Date Received: 2020-04-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2020 my wallet was stolen. I originally thought I lost it home, but it had been stolen, and I had not realized it until on the XX/XX/XXXX I was notified of a charge from XXXX of {$250.00} through a XXXX transaction. I immediately notified my bank, the car was frozen, and I was given a provisional credit. About a month later the provisional credit was returned to my bank and I was notified that the case was closed. On the XX/XX/XXXX I appealed the claim, but it was denied by my bank. I contacted my bank on the XX/XX/2020 and was told that it was not a fraudulent charge due to my unique spending habits, but I rebuked by saying that I had never even heard of the merchant. It was concluded that they could do nothing further and that I had to contact XXXX or that merchant, but it was not done through my XXXX, and I have had little luck finding the merchant.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75160
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My access number is XXXX. My loan number is XXXX according to your document delivery service. I have been with NFCU for decades. I have applied for a VA home loan with your institution and am very upset. I am relocating to change my environment to keep for committing XXXX. All I get is lies and deceit and shady practices.I am currently out of a home, was to close on XX/XX/XXXX, and now I am incurring extra dept due to someones incompetence and inability to properly do their jobs. I am speaking of, on my loan, someone forgot to order an appraisal on my new home. after several days of trying to speak to someone about it, it seems almost impossible. Where is your complaint dept or does the mind set, if we don't answer it will go away. Does you're financial Institution, something to hide? When I was able to speak with someone it took over thirty minutes each time to get results. Even a supervisor named XXXX or XXXX, she is supposed to be one of XXXX 's supervisor. still to this day has never returned my calls. When spoken to, I was lied to and lead to believe it was the appraisers fault. I was told by a supervisor by the name of XXXX, that a new appraiser was found and and an expedited appraisal was ordered. When according to the VA in XXXX on XX/XX/XXXX, that the original appraisal was ordered on XX/XX/XXXX, my closing was not in XXXX nor XXXX but XX/XX/XXXX. How can this happen you think, well someone was negligent in their duties. I ask if someone would pay for my expenses since it was not in my control. I was told you ( NFCU ) will not, but we will wave the expedited appraisal fee. How generous. My loan processor XXXX, was asked if I needed to stick around or could I go back home ( 300 miles away, 5 hours ) at least I could fish, talk to a friend and have some normalcy in my life in stead of waiting in a parking lot for someone to enlighten me on the progress. I was told to stay something might happen knowing good and well would happen. Well nothing happened. Wasted weekend. Yet I still do business with this haphazard style of doing business. Maybe I need to rethink whom I do business with in the future. XXXX or XXXX come to mind. Can you see what this does to someone who suffers from severe XXXX. Of course not, the company doesn't care. I want to cuss and raise cane, but I'll refrain for now. I thought of taking you ( NFCU ) to small claims court or something anything because you ( NFCU ) just took me into a dark place. Thanks a lot! I am tried of businesses XXXX on me. It seems that it is ok to lie, cheat, steal, anything to take from others and fatten you wallets. How big do you ( NFCU ) have to be to not care about your customers. All I wanted is to cover my expenses and for XX/XX/XXXX me up even more, just when I had a ray of hope. If anyone would have just came out and said hey weXX/XX/XXXX up royally. I would have been more palatable than the lies I was told. Where is your lender responsibility 's to your customers. No wait, you don't have responsibility to customers, only to businesses. Yes I am upset again it is hard to write when you have other thoughts. I Will Submit any Documents if Required, receipts are still coming in, but you ( NFCU ) should have all the paper work and maybe audio of my calls. My point of contact information is up to date if you ( NFCU ) would care to respond to this openly. They say truth is stranger than fiction, I could not have made this @ # $ % up. XXXX XXXX in North Carolina
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28613
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: 1. On XX/XX/XXXX i applied for a loan for XXXX dollars at navy federal credit union and offered a truck i owned they claimed worth XXXX dollars as collateral. 2. The loan was denied and nfcu loan committe claimed because i had cost them money when i had not cost them any money. 3. They were refering to my enforcing rights regarding misconduct by one of n.f.c.u. 's agents who violated a contractual mortgage agreement years ago, wherein it was a takeout mortgage from v.a. and they agreed to payoff my credit card and other loan i used to build on this house. days before the mortage was suppose to close they failed to close and refuse to state the detailed facts of their wrong doing causing violation of the agreement. I stopped paying on the credit card thereafter after they refused to correct the problem they caused through their agent cited in the mortgage agreement and credit card payoff at 3.25 percent aprox. after they fabricated my credit no good because credit card was almost maxed due to their wrong doing and refused the next mortgage loan they told me to refile because of the screwup by them ( a scam ). 4. when i attempted to sue nfcu to make a record they refused to and a nfcu employee was paid off to comit perjury regarding her being served by a process server XXXX XXXX who i saw serve the branch manager of nfcu XXXX ill. This was done with a judge was was apparently paid off too and to date conceals audio recordings of me with this manager admiting she was served and more. this is criminal conduct to conceal facts herein related and directed by nfcu through attorneys they participate with and this perjury was done to thwart a required default judgment against nfcu because they refused to answer after served by XXXX XXXX on the branch manager in front of me in XXXX. 5. on XXXX XXXX I filed an objection and claimed the loan committe did make false statement as to reason for denial as i did not cost them anymoney as described above regarding the mortgage loan connected to the credit card they closed after refusing to correct there agents own wrong doing. 6. further it is undeniable nfcu was notified of prior to the mortgage agreement and after admissions by 3 credit bureaus of faking 25 counts of bad credit for years prior ; this notice made nfcu and bureaus liable to me for the excessive interest charged me by nfcu based on the fake credit reports by the 3 bureau 's. 7. recently 2 of these bureau 's offered me XXXX dollars or there abouts to settle and they would correct the records but they did not correct the credit record other than there prior origingal admitssions to the 25 that i never had an agreement to pay anything the credit bureaus fabricated since XXXX aproximately and after notices same fake. 8. nfcu is complicit in the over charging interest on loans including the credit card and others and owes me for the same as their agents the bureau 's did not pay, this amounts to thousands of dollars too owed me nfcu is in pertinent part liable for. 9. in the past nfcu through its attorney that they refused me the name of refused to correct my name over a year until the v.a. said they had to or they could not receive the direct deposit to me because my name was XXXX XXXX XXXX the name in which they sent the money to them. this does not exhaust my knowledge and nfcu and attorney agents conceal the detailed facts surounding the retaliatory denial of the collaterally backed loan applied for herein as revenge against me its member.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Dear President Trump. As a follow up to my complaint against Navy Federal Credit Union, they sent me a note telling me that under the circumstances the only thing they are willing to do is to extend the credit card note two extra months but also warned me that I would pay increased interest and fees. I am asking that as a direct result, you permanently deny Navy Federal Credit Union any relief under the stimulus package because they are taking money under false pretenses. They are not providing equal relief to the customers and in many cases, like mine, are increasing the amount due significantly based on the 27 % interest they are charging. I do not think this was your intent. It has been my experience that the Navy Federal Credit Union and their leadership are corrupt exploitive and have no truth in them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2020-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had a list of fraudulent charges on my account I submitted every documentation that the bank asked for with no reveal i was then told the bank will not handle this to take action to recoup the 17 year old which is my daughter who was arrested for this matter. I also had another dispute in for a transaction that had nothing to do with my daughter who I found a recent police report It was also denied but I was told that they didnt have to give an explanation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Our Navy Federal Credit Union Mortgage Loan Processor has maintained absolutely no forms of communication during our mortgage loan process. We have had to chase our Loan Processor for updates and to see if anything is needed. We kept a log as well as Navy 's mortgage phone team employees noted our account every time we called. Just like the complaint made to the XXXX on XX/XX/19 by another member, we too experience Navy Federal Credit Union 's employees ' inability to meet dates that were verbal or written ( email ). After several attempts to reach our Loan Processor, we contact the phone team who was able to get our Loan Processor on the call with us on XX/XX/XXXX. Our Loan Processor assured us that every looked good and we were on track for XX/XX/XXXX close date. On Monday, XX/XX/XXXX we called our Loan Processor to see when we can expect our clear to close because our closing attorney had scheduled our closing appointment for this Friday, XX/XX/XXXX XXXX. That is when our Loan Processor decided to kill our joy by telling us that we have an underwriting issue. As my heart drop and I brace to hear what the issue was, she tells us that our DTI is too low and they can't use my husband 's overtime because he hasn't been on his job exactly 2 years but will be in 4 weeks. Wait, excuse me. Our DTI was where it currently is during the first time Navy Federal Credit Union hard pulled our credit reports XX/XX/XXXX for a pre-approval then did another hard pull on our credit reports less than 24 hours later on XX/XX/XXXX. Furthermore, our DTI was the same on XX/XX/XXXX when they did a soft pull on our credit reports. Originally, we were set to close on a different house XX/XX/XXXX but the Seller refuse to took care of the requested repairs so that contract was void. By grace, we found another home way cheaper that we loved and went into contract a few days later. Everything was moving smoothly, communication was good until our paperwork was handed to our Loan Processor. Now here we are 3 days before closing and being told we have a problem that should have been brought up weeks ago. EVERYTHING that was requested was provided weeks ago ; even our appraisal was completed and approved by XX/XX/XXXX. I contacted my student loan provider who corrected my repayment plan to the level plan payment which takes 3 days or so for letter to be generated to my email, which would have been done weeks ago if this was brought to our attention in a timely manner. I spoke with a manager at XXXX XXXX who tried calling our Loan Processor on conference so she could verify my correct payment plan info with our Loan Processor/underwriter while waiting for the letter to generated. Of course, when we call, we got no answer. Our daughter keeps asking about colors her dad can paint her new bedroom this weekend and we choke trying to give a hopefully response. At this point we have no idea what to expect from the last communication was with Navy Federal Credit Union 's mortgage phone team member XXXX who emailed our Loan Processor to advise we're once again unable to reach her. She advised the gentleman to tell us our paperwork will be forwarded back to our Loan Officer who will contact us tomorrow. SERIOUSLY! In my over 10 years in banking I have NEVER pass the buck on any of my customers. I have ALWAYS taken ownership of whatever challenges placed on my desk. This is truly a nightmare. This Friday is supposed to be our closing date and it doesn't appear we will meet it because of our mortgage lender. Our lease is up this month and the new tenant is due to move into the house we're renting XX/XX/XXXX. Not only must we continue to be concerned about protecting our children during the Covid-19 pandemic, we now have to be concerned about rather or not we will have a home for our children. This isn't an isolated issue. We're learning the reviews and XXXX complaints are true for we are currently living those same nightmares.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a saving, checking, and credit card account with Navy Federal Credit Union in XXXX XXXX. I had received birthday money as well as XXXX money from family members and two were returned NSF. I brought the account current and since then they have frozen me out of ALL of my accounts online, even to pay my credit card bill. when attempting to access my account i receive this message " We are unable to process your request. For assistance, please call us toll-free at XXXX. For calls from within the Washington DC area, or outside the US, please call XXXX '' SO I called the customer service number on Friday, XX/XX/XXXX and i was told that they have closed and restricted me from all of my accounts. I asked how I was supposed to pay my credit card bill and they told me that since my membership was terminated I would not have account access nor could the except a payment over the phone from a restricted account. My only option, i was told, that i would need to go into a branch, and the closes branch is XXXX miles away from my home. This is my first credit card and now i am unable to make my XXXX 's payment since my account was frozen and I do not live near a branch. I'm XXXX years old and recently lost my part-time job due to them closing because of COVID 19, so my mother has been helping me and was also recently furloughed until the coronavirus pandemic is over. I will still make my payments but my hands are tied. I am doing everything possible to pay my obligations, but this will ruin my credit before I can even start to build credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: NAVY FEDERAL HAS PUSHED THIS FILE TO THE XXXX XXXX XXXX WHO HAS KNOW FIRST HAND KNOWLEDGE OF THE THEFT I HAVE REACHED OUT TO THE XXXX XXXX XXXX BUT THEY ONLY SEND PAPERWORK OF BILLS THAT DO NOT BELONG TO ME I AM ABOUT TO FILE IRS FORM XXXX AND REPORT THEM TO THE IRS FOR COMMERCIAL FRAUD.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Dear President Trump. My complaint is with Navy Federal Credit Union and the incredible interest they are charging me and my family on a credit card that was closed because we got behind on our payments. My husband is a XXXX veteran, having served honorably in the XXXX XXXX, the XXXX XXXX, and XXXX XXXX. We are paying Navy Federal Credit Union $ XXXX/month, of which @ $ XXXX/month is an interest fee. I have contacted NFCU numerous times to request a reduction in interest consistent with their lower rate credit cards given the fact the underlying interest rates have been reduced by the fed and the continued hardship of paying 27 % interest. I was told the interest they charge is based upon the fed rate and my credit score but to contact them the next time my bill comes due and they will see what they can do for us. Mr. President, the NFCU takes for granted the veterans it claims to serve and has done so for some time. They are happy to take all the positive publicity predicated on their claims to support the veteran community, but get in trouble and get behind on a payment, and it is the XXXX with you. I pleaded with NFCU to allow me to consolidate my credit card debt under a personal loan before it became an issue, but they refused and summarily cut the card off and simultaneously increased my interest rate to the userous rate I am currently paying. In the past 12 months, NFCU has charged me over {$1000.00} in interest on a {$4800.00} credit card debt and card which I can not even use. Mr. President, I am sending this letter to the Consumer Financial Protection Bureau and the CEO of Navy Federal Credit Union. I am sorry I have to trouble you with my problem but when I last spoke with the customer service department at NFCU, I was ridiculed, laughed at and told it was not NFCU 's fault I found myself in this situation. Thank you for your time Mr. President.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-06
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I got an email from navy federal credit union advertising that they are willing to help there customers in this time of need with the coronavirus epidemic and navy federal credit union says there here to help with a loan for its customers but its false advertising to customers who believe that they would help, its the same qualifications as a regular loan not to try to help or say they want to help thats giving false hope, I called and spoke with a loan rep he even made me aware of the same thing I dont understand even myself Mr.XXXX, even my girlfriend which Im the one that brought her to navy federal says the same thing, why give false information if your going to help out help out not, say your going to do something but truly lie to a customer I dont need to have anyone explain it, I like navy federal but thats going to far, were here to help our customers through this coronavirus epidemic and wanted to help our customers with a loan to help, I want what the website says not be lie to and denied a loan when it actually is false advertising to all customers all my friends in the military say the same thing it doesnt make since, I want this resolved but dont want someone to think Im stupid, no bank of any financial institution needs to take advantage of any customer in a time of need and hope and help thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30141
Submitted Via: Web
Date Sent: 2020-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A