Date Received: 2020-07-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a credit card with Navy Federal Credit Union for about XXXX, I got injured pretty bad in XXXX and was in the XXXX for about 14 months. I had a XXXX XXXX as well. When I around to my affairs, i was very delinquent on several banks. When I contacted NFCU, they seemed not to care. So in XXXX i was sent settlement offers and we finally settled the account. in XXXX, i went to log on to the website to check my accounts i could not. They eventually assisted me and i then I was told i owed them XXXX on my credit card. I pulled my credit report and i saw the account was charged off and closed. So my question, how do i still owe them if they wrote it off as a loss in XXXX or XXXX. It also is being reported badly on my credit reopen.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2020-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: NAVY FEDERAL CREDIT UNION CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFROM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT WHEN IT HAS NO AUTHORITY TO DO SO, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT IT COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE NAVY FEDERAL IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91739
Submitted Via: Web
Date Sent: 2020-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: NAVY FEDERAL CREDIT UNION CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFROM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT ID COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE NAVY FEDERAL IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2020-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-03
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: contacted company many times to fix the issue the just continue to lie about it. They continue to tell me they are sending it to corp office but I never get a call I've called multiple times but nothing has been resolved as of yet and they are attempting to resolve the issue I am the victim of identity theft. My ATM/Debit card was lost or stolen on. I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my ATM/Debit card in any way. I am notifying you, pursuant to the Electronic Fund Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my lost [ or stolen ] ATM/Debit Card [ or unauthorized transaction ]. See especially 12 C.F.R. 205.6, 205.11. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following : {$580.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have beena member of NFCU for over 5 years now. Building a relationship with your bank must not be a thing anymore. I applied for the XXXX card which promotes ESTABLISHING CREDIT & RE-BUILDING CREDIT. I am in the rebuilding process. Here is my issue, I have build this relationship with NFCU & I fir the qualifications for the secured card and I get denied. On average people use between $ XXXX {$500.00} as their deposit for a secured card I used {$2000.00}. So riddle me this how does be using {$2000.00} of my own money pose any riskto NFCU? And if it did who looses in the end if I default? I do. Marketing these cards to rebuild credit is extremely asinine due to the perplexed and flummoxed advertising of the card. I usually would like a review of my application, but in this situation I am ok. NFCU will never see a dime of my money again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45236
Submitted Via: Web
Date Sent: 2020-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-02
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: A company XXXX, TX charged me for items I didn't receive and don't have. - I complaint to my bank credit card, Navy Federal Credit Union. - They said they will do an investigation - The company sent my bank an invoice but the item was not sent to my address. I do not know this address. It is also the first time I've seen the invoice. I was never provided an invoice by the company. - The company sent my bank a delivery tracking number, but it is not me nor did I sign for it. - Apparently, my bank believes this company that has a P.O. Box for an address. My bank credit card thinks I will just pay for getting nothing. - The amount is {$93.00}. - Attached document bank provided to me that the company provided to them. I never received any of these documents before the bank provided.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2020-07-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navy Federal Credit Union is reporting inaccurate late notations on my credit report. I pay my bills online and did not get any notice that I was late. I only realized when I pulled my credit. The payments made online were always on time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Refinance of mortgage with interest rate originally at 2.75 %, closing disclosure docs sent had cash to borrower {$1200.00} higher than what we received ; this was after we asked the interest rate to be dropped to 2.5 %. The drop in interest rate should not have affected our closing costs or cash to borrower total, as we were told that we had the ability to request a rate decrease at any point during the application process. Since the increase in closing costs occurred after our request to reduce the rate, and this was not disclosed to us XXXX we did not receive the updated Closing Disclosure ) before closing, we feel NFCU was not forthright in disclosing the costs of the loan XX/XX/XXXX - email from processor stating closing was scheduled for XX/XX/XXXX. Closing docs were sent via on-line banking ; the closing disclosure showed {$58000.00} cash to borrower with closing costs of {$4400.00}. XX/XX/XXXX - I emailed processor asking rate to be changed to lower interest rate of 2.5 % XX/XX/XXXX - processor emailed stating rate had been lowered with same discount points and origination fee XX/XX/XXXX - Closing date scheduled for XX/XX/XXXX XX/XX/XXXX - I left voice mail and sent email to processor stating that updated closing docs had not been received and that our closing was scheduled for XX/XX/XXXX. XXXX was an email from processor stating she didn't know what I was referring to. This was over the weekend and our closing was scheduled for first thing Monday morning. XX/XX/XXXX - at closing, Closing Disclosure showed cash to borrower {$57000.00} with closing costs of {$5600.00}. The majority of the difference was found in the lender credits ( section J of Closing Disclosure ) ; disclosure sent XX/XX/XXXX showed credit of {$1200.00}, disclosure shown to us by attorney at closing on XX/XX/XXXX showed {$53.00}. At closing we contacted Navy Federal Credit Union for clarification, the processor could not explain the difference to our satisfaction. After speaking with a supervisor, she stated that this had been a system error on the disclosure that was sent to us on XX/XX/XXXX and she was not sure why we had not received the updated disclosure.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2020-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My husband and I are/were in the process of selling our first home and purchasing a new home to better accommodate our family ( both using a VA loan ). We applied for the new mortgage and provided necessary documentation to the bank in XXXX of 2020. We notified the lender 's agent that we had previously been working with on XX/XX/2020, of the property that we identified. An executed Purchase and Sale Agreement was provided to the bank on or about XX/XX/ 2020. At this same time, we provided the bank with requested documents such as my husband 's DD-214 and copy of our earnest money check and receipt. During telephonic communications with the bank we discussed Closing timelines. During those recorded calls with Navy Federal it was made clear, and affirmatively acknowledged by the bank that we had accepted an offer on our home based on closing representations from them. That, because they made a number of representations that all fell through, that our family ( including XXXX toddlers ) would then be displaced. Between that date and XX/XX/XXXX communication attempts to the bank and our particular agents were largely unsuccessful. We provided tax return documents, W-2s, credit information, daycare verification, employment verification, etc. All requested documents were provided to the bank by XX/XX/XXXX. I made an attempt to confirm receipt by email on the XXXX, XXXX, and XXXX with no response. On XX/XX/XXXX we received an email indicating that the bank was trying to close by the end of that week. The agent stated that in order to move forward and be able to get the. file to. underwriting and ultimately close they needed my husband 's DD-214 and our W-2s. These are both documents that we've sent multiple times, to multiple Navy Federal Credit Union reps since XX/XX/XXXX. For a month and a half our documents were just sitting somewhere and no one was processing them despite knowing our situation and attempts to close. Between XX/XX/XXXX and XX/XX/XXXX we received no response to emails or voice messages. Calling and/or cc'ing supervisors throughout this process has had absolutely no effect. We have been forced to pay 2 months of rent in addition to a number of other costs associated with that due to misrepresentations by the bank and their absolute lack of willingness to communicate. Emails have been exchanged addressing the nonsensical disorganized disaster this process has been. Clearly, we did not close by the end of the week of XX/XX/XXXX. XXXX on XX/XX/XXXX we were asked by the bank if they could run yet another credit check because so much time had lapsed. We gave immediate approval. We were told that the goal then would be to close " by the end of the month [ of XXXX ] if not sooner. '' Countless emails and phone calls have gone unanswered. Emails to our supposed " representative ( s ) '' even just to confirm that emails and attachments have been received, have gone unanswered. While the closing date on the original Purchase and Sale Agreement is " on or before XX/XX/XXXX '' all parties have been aware that the purchase was trying to be completed as soon as possible. Understanding that Navy Federal 's phone calls are recorded, a number of phone calls can be pulled confirming, reiterating, and being assured by Navy Federal that a closing far earlier was possible. On XX/XX/XXXX a representative of the bank asked us for a copy of the Final Settlement documentation from the sale of our previous home, a sale that had been finalized well over a month previously with the same institution. We were again asked to provide that same information on XX/XX/XXXX. Despite the utter lack of contact from Navy Federal, our realtor reached out to us on XX/XX/XXXX. A Closing Addendum was executed on XX/XX/XXXX with a new closing date of XX/XX/2020. Those documents were provided to Navy Federal. As of XX/XX/XXXX, the day before a Holiday weekend starts and not a single representative of Navy Federal will communicate with myself, nor either parties realtor agent regarding what is going on. Again, I've banked here my entire life. As soon as some financial obligations are met, my husband and I will be ending our banking relationship with Navy Federal and we will NEVER utilize this banking institution for mortgages, any other loans in the future, etc. We are beyond disappointed and this bank has cost our family a substantial amount of money based on the representations of their agents. There is absolutely an agency relationship and the bank doesn't seem to understand that. If a representative of the bank, or multiple representatives of the bank make representations to a consumer, it as if that representation came from the bank itself. Navy Federal is responsible for the unprofessional and harmful way in which our file has been handled. Navy Federal is responsible for the misrepresentations of their agents/employees. We understand that COVID-19 has slowed things down across all realms. However, all of these representations have been made during the height of the Pandemic. If the bank were to use this as an excuse, this would be a disingenuous excuse that would be made in bad faith.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98370
Submitted Via: Web
Date Sent: 2020-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2017 my monthly current bills did not go through auto-bill. I reached out to the company and they said they saw the payment in the system but the bank rejected it. I was never notified, and the rejection caused me to get late payments. I contact the card holder and explained what happen, and I will pay the balance if they would remove the derogatory item. I can not get a mortgage because of this unfair situation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A