Date Received: 2020-04-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Navy Federal is reporting a closed credit card account on my XXXX Credit Report that I was an Authorized User on. I've already contacted Navy Federal to have the account removed from my credit file as I was not responsible or liable for this credit card. I also removed myself as an AU from this credit card before the amount went negative so I do not understand why the history past XX/XX/2017 is showing on my credit profile. I received notification from Navy Federal that the account would be removed immediately from my credit profile however it is still showing on my file and negatively impacting me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: NAVY FEDERAL CU has not provided any debt validation, a copy of a contract or anything to that affect to properly report onto the credit bureaus. I have asked them repeatedly for some kind of debt validation, a copy of a contact and they are unable to provide that information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have 2 accounts with the credit cards both of them close I don't understand why still not sure.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On my closing day XX/XX/2019 my loan officer lied throughout the day via phone & email to myself, my realtor, & seller ( builder ) about my rights to change my rate. I believe the initial closing disclosure was fixed to sway me to make a decision my loan officer knew I would make. After making the decision the loan officer knew I would make, the final disclosure came back totally differently & I inquired on switching back my rate within the acceptable parameters. My loan officer stated the rule I pointed out to him no longer applies because of fluctuating market. He almost cost me $ XXXX dollars at closing. My loan officer also tried to scare me in pushing back my closing date & couldve cost me {$600.00} & three extra days to wait. I caught my loan officer lying to the seller explaining that I was outside the acceptable rate change parameters, which was lie. I have to believe my loan officer lied throughout my loan process as I asked about a XXXX ARM that is broadcasted on the company website and he told me they no longer do that loan. That ARM is still on their site & the rates were much better. I feel my loan officer set me up to get the most financial gain with lies. 30 mins before I was suppose to close on XX/XX/XXXX, my loan officer stop picking up the phone & couldnt be found. I had to have an agent get ahold of his supervisor who understood what I was trying to do & got it done within an hour. I had to push my closing back a few hours & luckily the law firm had an opening. It cost a lot of hardship on a day that is suppose to be happy. Weeks after closing, I receive an email from that Loan Officer congratulating me, couldnt believe it. I left a bad survey with company & requested to be contacted but no one has reached out to me. Leads me to believe that it is acceptable in this company. I really feel I couldve potentially had a better loan product & closing day if my loan officer didnt lie. There is no telling how much this has cost me financially, the prices I put are just what I know about. Along with the stress on closing day.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Due to the pandemic, cover, i request assistance from NFCU. And i was advise that in order for a 3 month deferment which i requested and provided my reason as they requested must first be one day past due on all my accounts. When my accounts ( 2crefit cards and one signature loan ) become one day late. When one of my credit card was one day late I then requested for the 3 month deferment. NFCU appears to be giving me much hardship with my request. Please e message thread below from NFCU. I had to reopen my request again with them and had to start all over. I got an email sent to me telling me that I am now delinquent. I have been requesting this deferment for awhile and to this date they do not. It appears they are giving me more hardship for just applying for a 3 month deferment. Why do I need to wait when all my accounts become delinquent? Why can all my account be deferred one time. I been having hardship due to this pandemic as I am now the sole income in my household and I have had to be on a budget just to make ends meet. Please assist me. If it was for this pandemic cover, I would not be asking for this deferment. I have always made my payments on time. e message below. Navy Federal Response XX/XX/XXXX : We can confirm that would be correct. However, your credit cards are revolving debt and will not reflect a past due status until after your statement cycles and your next due amount generates. For your Visa XXXX XXXX XXXX that would be after XX/XX/XXXX and for your XXXX MasterCard after XX/XX/XXXX. If you have further questions, please let us know. Your Message XX/XX/XXXX : Just a follow up on my request and your response regarding your recent statement regarding deferment ; You mentioned that inorder to avail of a 3 month deferment, I must first be one day past due my due date. Does that mean that for each of my accounts, I must first wait one day after my due date and then request for deferment each time. That means I must submit 3 individual request at different days of the month, one for my credit card due XX/XX/XXXX, then another due on XX/XX/XXXX and the last one due on XX/XX/XXXX. Please advise. Thank you. XXXX XXXX Your Message XX/XX/XXXX : Please advise whether I can avail of this below. Thank you. Navy Federal Response XX/XX/XXXX : We can confirm your accounts would have to be in a delinquent status to be able to change your loan due date from XX/XX/XXXX to XX/XX/XXXX and your Visa XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and your XXXX MasterCard from XX/XX/XXXX to XX/XX/XXXX. As the accounts would only need to reflect as one day past due there would be no negative impact on your accounts. We again are offering two month payment extensions to all our impacted membership. Therefore, please provide us more information on which law you are referencing that states a 90 day 3 month extension is being provided by all Credit Unions. We look forward to hearing from you as soon as possible. Your Message XX/XX/XXXX : Please advise whether I can avail of this below. Thank you. Navy Federal Response XX/XX/XXXX : We can confirm your accounts would have to be in a delinquent status to be able to change your loan due date from XX/XX/XXXX to XX/XX/XXXX and your Visa XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and your XXXX MasterCard from XX/XX/XXXX to XX/XX/XXXX. As the accounts would only need to reflect as one day past due there would be no negative impact on your accounts. We again are offering two month payment extensions to all our impacted membership. Therefore, please provide us more information on which law you are referencing that states a 90 day 3 month extension is being provided by all Credit Unions. We look forward to hearing from you as soon as possible
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GU
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: On XX/XX/2020, Navy Federal seized an IRS refund deposit of {$2300.00} and applied it to a charged off XXXX account that had not received payment in almost 24 months. Navy Federal can not enforce a pseudo-debtor prison scenario by forcing me to pay on a closed charged off account by seizing money from a pending deposit and applying it to the balance of the charged off account - which is exactly what they did. After I filed a CFPB complaint detailing that action ( XXXX ), Navy Federal decided to honor a 23 month-old request to close all of my banking products ; but not before issuing me a cashier 's check for the pending IRS stimulus deposit. Navy Federal returned the 2nd IRS deposit, but not the 1st one from XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The Navy Federal credit Union entered into am extortion conspiracy with the XXXX police, and president trump who is paying the off the XXXXPD to stalk me aNd my daughters and help him steal all my money. The fbi recently put in my account XXXX XXXX only to be immediately stolen by Trump.. this credit union also has the XXXX police stealing half my social security money monthly and there is no court order that's legal to do so. They're calling it child support but it's not. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX il vacated all child support m XXXX. This was started by a nonlicensed attorney for bribes In XXXX and former XXXX county states attorney XXXX XXXX. He was in jail per fbi but I believe yrump pardoned him because trp loved criminals. Every bank I go to does the de for bribes. Account noXXXX, rting no. XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I work for XXXX XXXX XXXX XXXX ( XXXX ) in XXXX, MD. On XX/XX/XXXX, using my XXXX issued laptop, I opened a checking account online with Navy Federal Credit Union, and subsequently applied for a {$30000.00} personal loan for the purpose of debt consolidation. It's important to note the purpose because it was required on the application. I was approved right away, and the account was immediately funded with the proceeds from that loan. On XX/XX/XXXX or XX/XX/XXXX, I made transactions from the Navy Fed account, to pay my mortgage, 1st Trust, ( XXXX XXXX ) which was in the rear several months. That was done over the phone with an agent of XXXX XXXX. One was online ( 2nd Trust ) with the same mortgage company. The 1st Trust transaction went through. The 2nd Trust was blocked, I'd find that out later though. I also paid off a XXXX XXXX loan via my XXXX XXXX mobile app, using the proceeds from the Navy Fed Debt Consolidation loan. On XX/XX/XXXX I downloaded the Navy Fed mobile app to my XXXX XXXX. On XX/XX/XXXX My account was restricted. I could no longer access my Navy Fed account from computer or mobile device. When I called, XXXX in Navy Fed 's security team said " There has been a device used to access your account, that has been flagged as a fraudulent device used in the past to attempt to defraud Navy Federal ''. He asked me to confirm a few of the transactions. I did. Then he asked about the XXXX device I used ... if it was mine. I confirmed. He then continued that " It's that XXXX device that has been flagged as a fraudulent device ''. He went on to include that my laptop I used to open the account was a " flagged fraudulent device '' as well. He concluded saying " You can no longer do business with Navy Federal since you confirmed that bot devices are yours. '' He denied my request to speak to a manager/supervisor. He advised me to submit an appeal via their appeals process. I immediately did. It's extremely important to note here that this is Navy Fed 's initial reason for restricting my account. The reasoning changes twice as I pursue answers to my questions. In the appeal, I sited that the XXXX laptop was issued to me in early XXXX, and I purchased the XXXX around the same time in XXXX, and both devices have been in my possession since. I provided a receipt from XXXX. I went to the XXXX, MD Navy Fed Branch office to speak to someone in authority. Instead I spoke to a rep named XXXX who got more information. He said he spoke to the Security Team and they gave him more detail. This time they said it WAS NOT my phone that was the issue, but rather " The hardware ID of my computer used to access the account is a known device that has been used in the past to attempt to defraud Navy Federal ''. He went on to say that while the account was restricted and the appeal was under investigation, I would not be able to access the account, nor the funds of the loan because " it's not like it's your money anyway ''. Two weeks into the investigation, I received an email from Navy Fed 's Security Appeals Team stating " In view of the unsatisfactory manner in which you maintained your previous account ( s ), we are unable to remove the restriction at this time ''. That's their 3rd explanation ... .not my XXXX ( 1 ), not my PC ( 2 ), not even fraud, but now unsatisfactory management of my previous accounts ( 3 ). I've never had any previous accounts with Navy Federal. Navy Federal has my FICO Score, Credit History/Report, Social Security Number, Residence History of over 20 years, Work History of the same length of time, yet they're accusing me of something I have no knowledge of. In conclusion, Navy Fed is in violation of my loan agreement. I have a loan on my credit report now that I no longer have access to the funds, nor can I make payments on, for reasons that have not been made transparent to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Issues : 1. Navy Federal Credit Union is not complying with my request for a 180 mortgage deferment. I made the request because I am experiencing financial hardship brought on by the COVID state of emergency. 2. I was offered a 90 day foreberance and told once it expires I'll need to request another 90 day foreberance which will be reviewed by NFCU. When asked what the review process entails and what qualifies/disqualifies a person for a 90 day extension the customer service manager would not answer. 3. NFCU would not commit to any terms or options at the end of the foreberance period to repair the loan. I was told by the customer service manager that we can not talk about those details until the foreberance period is near expiration. Date of call/s : XXXX XXXX, 2020, XXXX. Customer Service manager : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33703
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I investigated incorrect information on my credit file with XXXX. XXXX allowed XXXX XXXX and Navy Federal to change the date of the last payment that was received. I requested for XXXX to investigate to date of last payment received. I'm still waiting on a repley. I received report in the mail on yesterday where both company change the date of 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. date of XXXX delinquency was XX/XX/XXXX. 2.Navy Federal Credit Union XXXX XXXX XXXX XXXX XX/XX/XXXX date of XXXX delinquency was XX/XX/XXXX both company would like to keep this on my file longer than 7 years by changing the dates.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A