Date Received: 2020-06-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a XXXX XXXX XXXX XXXX and sole proprietor. NFCU denied my request to open a business banking. Due to being denied, I continued to get paid via ACH transactions. I qualified for PAyroll protection program through XXXX and in order to have a separate account to monitor the spending, I had the money to be sent to my checking account XX/XX/2020. A week later, they froze all of my accounts and credit cards and refuse to release my funds. In order to get forgiveness I needed to use the funding in 8 weeks on eligible expenses ... Im in week 4. Im submitted an appeal, called and sent messages and they have yet to unfreeze my account. Apparently, NFCU has done this to many of 1099 XXXX XXXX who do not have a business account with them. This isnt fair! I havent even been able to pay my monthly bills!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XXXX XXXX, my husband and I applied for a mortgage loan through Navy federal. After submitted the application, the following day I called to check the status. The agents advised me that is a long wait right now and she will try to get the person that are handling our applications to call us. Later that day I saw our application statuss changed from processing to sent to underwriting. Then it change again from underwriting to denied. I called to understand why! They advised me someone will reach out to me. Two day I received a call from someone who stated I was denied because we have delinquent and judgement on our account. I try to explain to her that I have paperwork showings its an error and we have identity fraud occurs on my husband account. They didnt care. Our credit payment history stated we pay on time 98 % this is the second time Navy Federal denied us for the same thing. We tried to increase our credit card and the only increase but {$300.00}. We email them asking why they didnt pull our credit report. they said because they didnt need to. We requested them to pull our report and mins later we was denied.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had a account with Navy Federal received my Child Supporr in the account the account was compromised and every deposit i received since XXXX they took it i need my Kids Money out that Account i want it closed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I checked my credit recently and saw charges from Navy Federal. I called the police they instructed me to file a report with them, then go to FTC.gov and file a identity theft report. I filed the report has instructed by the police. After I filed the report it was taken off my credit then I started receiving letters saying they investigated and reviewed its me. The address that was stated where the card was applied for was a address in have never gotten mail from.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a loan with NAVY FCU. I have always made my payments on time. For some reason, I realized that there are multiple late payments on my credit report. As you can see, I have always had a stellar payment record with this company. They failed me!! I tried contacting both NAVY FCU AND ALL THREE BUREAUS with no successful resolution. There was definitely an error on their part. You guys are reporting late payments DIFFERENTLY FOR EVERY month for each three credit bureaus which means it is INACCURATE and needs to be REMOVED IMMEDIATELY!!! You are trying to diminish my character and I am not happy about it! You have 120 days late XX/XX/XXXX on XXXX but then let 's go to XXXX and XXXX and you have 150 days late FOR THE SAME MONTH! Well, which one is it? I was never 120 days late XX/XX/XXXX! You have 60 days late XX/XX/XXXX on XXXX but then let 's go to XXXX and XXXX and you have 90 days late for the SAME MONTH! Well, which one is it? You have 30 days late XX/XX/XXXX on XXXX but then let 's go to XXXX and XXXX and you have 60 days late FOR THE SAME MONTH! Well, which one is it? You have me on time XX/XX/XXXX on XXXX but then let 's go to XXXX and XXXX and you have 30 days late FOR THE SAME MONTH! Well, which one is it? You have 30 days late XX/XX/XXXX on XXXX but then let 's go to XXXX and XXXX and you have on time. Well, which one is it? You have me on time XX/XX/XXXX on XXXX but then let 's go to XXXX and XXXX and you have 30 days late for THE SAME MONTH!! Well, which one is it? THIS NEEDS TO BE REMOVED IMMEDIATELY because you have failed to report accurate information and by the FCRA YOU ARE REQUIRED TO DO SO!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I bank with Navy Federal Credit Union. I had my EIDL SBA loan deposited there. They froze my account yesterday with no explanation and no request for information. They will not explain anything to me, they won't listen to me and I have no access to my Checking account, investment accounts, credit card or even my car loan account. I've been an account holder since XX/XX/2011. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
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: On XXXX XXXX, XXXX, I placed an order via telephone with XXXX XXXX XXXX ( dealer ) in XXXX, FL for an item. The amount was {$550.00}, charged to my Navy Federal Credit Union ( NFCU ) XXXX XXXX. I followed up on XXXX XXXX to learn that the dealer could not secure the item from their vendor. I requested a full refund of the amount. The dealer issued the refund and provided me documentation. However, I have yet to receive the refund. I checked with the vendor and they indicated I should have already received the refund. I kept checking with NFCU to determine the refund status ; however, was given no information or insight as to the status. I waited eight days before moving forward with a dispute with NFCU, and provided proof of refund documentation. NFCU now indicates the " investigation '' into the matter would take up to four months, and insist that I pay on the account the amount in question. I asked for a provisional credit while the matter is being investigated and they declined. At one point I was told by the NFCU rep that the department I was communicating with were merely " pencil pushers '' and had no further information for me. I asked to speak to the " investigator '' of the matter and was declined. I spoke with a supervisor and was told " there was nothing they could do. ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: Hello, I was a college student with a wonderful credit. I went to a car dealership ( XXXX XXXX ) to look at used cars and I didn't find any cars. One of the dealership employees showed me a car that he had outside of the dealership. That he was selling to me personally.I agreed to accepting that car and he continued to run my credit for Navy Federal Credit Union at the dealership on their computer. I was approved for about XXXX dollars. I was able to pick up the check from XXXX XXXX, pay the employee and accept the car. XX/XX/XXXX. Months later I received a notification stating that I wasn't a member of the credit union and that I needed to provide more information to the bank. I went into the bank, provided multiple proofs of resident information, ID, and more documents. They accepted it, made copies etc. Weeks later they're still asking me for information to verify that I am a member. They then told me that I couldn't refinance my car because I wasn't a member. They denied access to my entire profile. I was away at school in New York and couldn't even make payments online so I fell behind payments. I was only allowed to make payments physically. I spoke with a representative over the phone about the situation and they told me to write a letter. I wrote a letter and sent it to them. ( Dated : I stopped paying this institution because I feel like I was manipulated at a young age and it seems like it was an internal scam. Applying for the loan at the dealership, picking up a check days later, weeks later stating that I wasn't a member ) How was I not a member if I was approved for a loan? Please help me. I am now in my mid twenties and this is affecting my credit score very badly. I spoke with another representative today XX/XX/XXXX ( XXXX ) in the recovery department. He said I am a member and still need to provide identification? I do not want to be a member anymore. I would like for this loan to be deleted completely and sent to all of my credit bureaus for internal fraud. XXXX XXXX ( The car dealership ) XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Get Directions Highlights info row image ( XXXX ) XXXX Navy Federal Credit Union XXXX Vehicle ending in XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: During the XXXX financial crisis, I was unemployed for 6 months and this put me in debt. After getting a full time job, I applied for a loan modification with Navy Federal Credit Union ( NFCU ) and I was told by the rep that NFCU could not approve me because of my credit card debt. I told them I was working out payments with the creditors too, but the response was clear, if I didnt have those Credit card payments I will be approved the modification, so I told NFCU my house was more important and I stopped paying my credit cards and my temporarily loan modification was approved. Later, I got suit by my creditors and this pushed me into bankruptcy in XXXX. NFCU told my bankruptcy attorney that they will not do a reaffirmation agreement, but I continued to pay this loan for 2 more years, even though my debt to Navy Federal Credit Union ( NFCU ) was discharged in bankruptcy in XXXX. Because my property was underwater at the time of the bankruptcy, this junior lien should have been stripped from my property. This was the practice at that time, but for some reason the lien is still attached to my property. Because of this lien, I have not been able to take advantage of the low rates, like many Americans, and I have been forced to pay a high mortgage rate for my first mortgage. Now with Covid-19, Im facing financial hardship. My first mortgage has a high rate, but I can not refinance because of this junior lien from NFCU. I sent NFCU a letter this week asking them again to release the lien, so I can avoid the risk of loosing my home. I need your help to get them to release this lien. NFCU has charged off this debt already and I even paid them interest only on that loan for 2 years after the discharged but enough is enough.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22206
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I sent payment to a woman named XXXX XXXX, who had XXXX XXXX concert tickets listed for sale on XXXX. I messaged her and she stated the tickets were $ XXXX/each.We discussed payment method and delivery of tickets. I sent her a total of {$86.00} - {$80.00} for the two tickets plus {$6.00} fee for using XXXX. Transaction was done on XX/XX/2020. Immediately after getting payment she stated ticket prices she quoted to me were wrong and they were $ 400+/ticket. I told her I would not pay that. She went back and forth with me on settling for $ XXXX/ticket. Again, I declined, told her I either wanted my money back or the tickets. She stated she would send the tickets and never did. I immediately filed a dispute with XXXX who declined my request for a refund. I then filed a dispute with my bank, Navy Federal Credit Union who also declined my request for a refund. To date, I have not received tickets from XXXX XXXX, a refund from XXXX XXXX, XXXX or Navy Federal Credit Union. Both XXXX and Navy Federal Credit Union have both instructed me to reach out to the seller and get my money back that way., which is impossible because she is not responding to any of my emails and deleted her XXXX account so i am not able to reach out to her that way. When I researched the name on XXXX and the email address the name was different than it was on XXXX. I am 99.9 % certain it was a fake XXXX account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A