Date Received: 2020-01-09
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XXXX Navy Federal Credit Union repoed my vehicle. I was past due on the loan. Unfortunately, I took the loan for my Mom who defaulted and it was a hard lesson learned having it on my credit. They sold it at auction and my remaining balance is a little more than XXXX. For a while I was able to pay on it but I fell on hard times after and wasnt able to pay. After a few years it fell off my credit report and it hasnt affected me. Recently, I looked into re- establishing my membership there. My now fianc is in the navy and it makes things much easier to have an account there. I applied, and I got a response about my name being different than what they had on file. I explained I was once married however I was divorced but I NEVER legally changed my name. They explained I could complete a form to show my name was never XXXX and to show my divorce papers, and government issues ID and I could re establish my membership. I went into the bank to have a temporary check printed and Im told they are closing my account. The representative said the account is being closed because of a repossession you had with us. I explained it was back in XXXX and its now XXXX, Its 13 years old! They are wanting me to pay this loan after they have written it off, received a tax write off from the IRS! Now FDCPA. Law in Florida is 5 years and federal is 7 and we are at 13. They can not legally collect on this debt any longer. They are trying to do so!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32034
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I pulled a detailed report of my credit recently and found several fraudulent accounts including credit cards, auto and student loans. I have disputed the items with the three credit bureaus as of XX/XX/2019. Some of the items stopped reporting on my credit but there are still quite a few that are and shouldn't be. Student loans totaling almost {$24000.00} from a XXXX XXXX XXXX. {$52000.00} in auto loans in default. These accounts have been disputed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are accounts the do not belong to me posting on my credit report. it is causing me damages and distress. I am being denied credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91911
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-04
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I will start with the back story. In XXXX to XXXX, I owned two properties and due to limited income no renters and damage to both properties and retiring from the XXXX was causing hardship until evaluation of my current status of being XXXX XXXX XXXX by the VA. I had to make a choice keep the mortgage on the house I was selling or the house I was in, so when attempting to work with XXXX and being late, they started to put residency in foreclosure. I told them I would have the money in 2 weeks and they said too late. My choice at that time was to start Chapter XXXX proceedings but, with the intensions of dismissing. On XX/XX/XXXX I filed Chapter XXXX with XXXX XXXX, XXXX, and no other creditors. On XX/XX/XXXX I contacted my bank Navy Federal Credit Union ( NFCU ) and explained the issue to them. I was told at the time my credit card account would be frozen, owing XXXX, and to let the bank know of the dismissal. I notified was dismissed and was told accounts would be returned to normal. During the time I continued to make my card payments and vehicle payments without delay ( XXXX for vehicle a month ). On the XX/XX/XXXX, I was in a car accident that totaled my vehicle. My 1st bi monthly payment was taken out and asked a delay until XX/XX/XXXX due to the vehicle being paid off. The vehicles was paid off middle just before XXXX Holidays. Since the amount owed of XXXX, it has been paid down to XXXX and my vehicle note has been paid off and payments were made or if not paid a late fee when but was caught up within 15 days. My credit report shows no late dues to NFCU. I have already have a holding of XXXX on a vehicle and trying to get a XXXX loan. I was told I was denied due to late house payments and a revoked credit card. I told them I didn't have a revoked card, they told me it was NFCU credit card. I was transferred to representative from the credit card section, who told me it was closed around the same time of the Chapter XXXX that as the grantor decided not to continue my card, which I was told frozen and reopened at dismissal on XX/XX/XXXX. I was further told the account could not be reopened because it was closed. Their own bank is using an account they closed and I have been on time with the payments against me for a vehicle loan but also plummeted me negative showing it a closed account for XXXX still owing like I am a bad person for any institution to loan make a loan to and limit because it is not a revolving debt to get hired within the government system.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31763
Submitted Via: Web
Date Sent: 2020-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I requested my account to be closed in early XX/XX/2019 and Navy Federal did not close my account which one of the representatives said was due to processing time. By the account being left open according to the information given by the representatives they stated the account accrued multiple overdraft charges which resulted in multiple overdraft fees which I found highly unfair and poor practice. Furthermore, my account has been satisfactory without overdraft issues for a very long time, however, my wife overdrawn her account which is separate than mine and according to Navy Federal it was set up at the time at the branch for me to have the ability to transfer funds into her account if need be. Navy Federal instead of using my account as overdraft protection allowed her account to overdraw and charged her overdraft fees and when she decided that was unfair and not to use the account any longer Navy Federal waited almost two weeks then transferred money out of my account without notice and the result was my account went low and caused overdraft fees. I asked is " joined '' to her account why wouldn't it overdraft protect her account if I am responsible for it or why wouldn't someone inform me that money is going to be taken out of a separate account and no one could have a clear answer as to why this occurred. I think its a crime to say my account can overdraft protect an account but then don't overdraft the account which caused overdraft fees on both accounts. I want to explore all my options in regards to how this scheme takes advantage of individuals.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2020-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: CREDIT CARD WAS OPEN IN MY NAME I HAVE STATED THIS TO NAVY FEDERAL MANY TIMES
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2020-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have requested my escrow account t be analyzed again as my property had been fully accessed for value and taxes after being built as a new home. I submitted a copy of my homeowners insurance and the tax bill from the XXXX XXXX XXXX showing yearly amount. NFCU has said that is not accurate and out a stop and hold on any further escrow analysis until XX/XX/2021. This is not accurate as Im overpaying substantially. The escrow amount should be {$280.00} per month and not {$400.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85212
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: In XX/XX/2019 my checking account at Navy Federal Credit Union was closed due to charge off, the XXXX dollars I owe is primarily due to bank fees from Navy Federal. The multiple {$29.00} charges were due to XXXX trying to process payments on my account. The funds were not available, but XXXX never received the money they were attempting to collect, and Navy Federal never issued them payment. So I was not over drafted. That was until Navy Federal started processing fees for ebays attempts. Then I stated to receive overdraft fees on top of the fees for the attempted account debits. Navy federal kept my savings account open and I was using it to deposit and cash checks that I receive. Well with out any warning or notice they decided to keep my last check deposit to collect for their fees. I have no access to the details because they have locked my account online and through the app. So I can not even see what I owe in total for exactly! Since I had been allowed to cash checks since the closed checking account I had no idea they would keep all of it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 87112
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I DO NOT OWE THEM ANYTHING. I WILL NEVER PAY YOU ANYTHING. OVER MY DEAD BODY. I DO NOT WISH YOU WELL. THIS BANK IS EVIL.. IM SICK AND TIRED OF THIS HARASSMENT. THEY WILL NOT HAVE A GOOD END. THIS IS WHY PEOPLE DO DESPERATE THINGS. THIS WAS A SECURED CREDIT CARD. WHAT IS THE {$890.00}? THEY HAVE NOT TOLD ME IN ANY TERMS WHAT IS THE {$890.00}. I WANT THEM TO TELL ME IN NO UNCERTAIN TERMS WHAT IS THE {$890.00} PERIOD. IS IT INTEREST CHARGES, SERVICES, FEES, OR PENALTIES? THIS IS NOT A HARD QUESTION TO ANSWER. CONTACT ME THROUGH THIS SYSTEM DO NOT CALL OR SEND ME ANY CORRESPONDENCE THROUGH THE MAIL. I DETEST THIS BANK THEY ARE ALL RACISTS. THEY CALLED ME A XXXX NUMEROUS TIMES. I WILL CALL THE POLICE FILE CHARGES AND FILE A CIVIL PROTECTION ORDER. I WILL CONTINUE TO COMPLAIN UNTIL THEY TELL ME WHAT IS THE {$890.00}. YOU WILL EXPLAIN TO ME IN WRITING IN NO UNCERTAIN TERMS. ALL I WANT TO KNOW IS WHAT ARE THE CHARGES COMPOSED OFF. THATS IT. YOU DONT WANT TO SAY BECAUSE YOU ARE A FRAUD. THEY CALL MY SUPERVISOR AT WORK AND MY NCO AT XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The auto loan with NFCU that appears on the credit is open, paid, due to pendancy of pre-approved mortgage modification application.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2020-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A