Date Received: 2019-11-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I spoke with my loan officer XXXX XXXX mls # XXXX after my appraisal came in. I requested that my appraisal be appealed and she sent me the forms to start that process. After I submitted the forms, weeks went by and I haven't heard anything from her. She sent my application up to underwriting without attaching the appeal letters, causing Navy Federal to deny my mortgage application. She informed me that I should apply again and hopefully get someone else to do my application. XXXX was very unprofessional about handling my business and she should be terminated from Navy Federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23434
Submitted Via: Web
Date Sent: 2019-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was a member of Navy Federal Credit Union from approximately XX/XX/XXXX until approximately XX/XX/XXXX, I believe. I am only guessing because I do not recall the exact dates of termination, but my best guess is by XX/XX/XXXX ... I was no longer a member of the Credit Union. I was a family member of a veteran, who'd applied for membership, first inquiring before they officially made the public announcement to serve Veterans. Once I had applied, the credit union had began ensuring " Security Policies '' under internal departments without any feedback or direct link to a point of contact regarding Member Security, until the application was approved for membership. I was approved for Membership with a Checking and Savings account at first. Around this time, I had still been receiving XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ... due to low-income and other conditions. Along the first six months, membership was working out so far. During the months of XX/XX/XXXX, trouble had began : I was almost broke, and my credit had began to tarnish. I remember there were suggestions by my local Payees about moving forward with services provided by the local DDD/DSHS governmental agencies, and how important it was to them that I remained on State & Federal Benefits. I also remember requesting and receiving a refund check from a web hosting provider, that had designed a basic website and a marketing plan for me. The amount of that refund was between $ XXXX {$2500.00}. Navy Federal Credit Union was consistently charging overdraft fees to my account. At times, they were a bit excessive, while claiming to protect me as a member. Anyways, on the brink of going into poverty, I decided ( upon the advice of Member Services at my local branch ) take about {$2000.00} of that, and invest in a Certificate of Deposit. The {$400.00} prior to that was deposited into my checking account to cover over {$200.00} of overdraft fees, and a little over {$120.00}, I asked to be disbursed to me as cash. I can't remember if I paid my credit card ( s ) that month, but I believe I may have paid one. At that time, it was a few days before a meeting with a former XXXX Case Manager. I remember not putting {$2000.00} directly into my checking account, because other parties like XXXX and my Payees were concerned about losing benefits. Taking these things into account, I decided to put the {$2000.00} into a CD. Almost a week later, the Social Security Administration became involved. Even though, I was receiving Supplemental Security Income, it was clear to me that they were pressuring my relatives ( who were/are also my payees ) that SSA didn't want me to make additional income ... contrary to the purpose of Supplemental Security Income now. Our local Social Security Administration office - located in XXXX, WA ... was quite famous for being infamous with their accommodations and willingness to help understand how people could manage at the time. The manager of the office decided to threaten one of my family members with a XXXX one day, towards the middle of XX/XX/XXXX ( right before my birthday ). I was on a grocery shopping trip, and I received several phone conversations about it ... I told them later that it was already deposited, and I couldn't release the funds. They didn't take it well, and by the next morning, they had filed legal proof of themselves as guardians/payees to the bank. As a result, not only did Navy Federal Credit Union breach my account security information, by allowing this action by fax and thereby closed all of my accounts without my consent ... but the Credit Union customer service members from then on, told me that they would only speak to the payees ( for consideration of re-instatement or account information ). According to my payees, ( which I do not know whether it was credible or not ), they had a check of my funds disbursed to them, as a result of the bank 's decision ... and they referenced several times that I had misused the funds. This was clearly a lie, because much later after they deposited the remaining funds of close to {$1800.00}, into a Special Needs Trust Account ( located at XXXX XXXX XXXX ), almost as a spiteful action after various arguments ... I confronted them about this over time, and their story had changed. I talked to them about why they deposited the money, and believing the reasons they had given me ( which was inexcusable to begin with ), the payees said they had other reasons for doing so ... which was never disclosed to me. The bottom line is besides Navy Federal Credit Union closing my accounts without my consent, they also did so in a way that breached my security. Additionally, it is my belief that the Social Security Administration influenced my relatives, and the bank to do so. Finally, when the funds were given to the payee ( if they ever were ), they were free to do with it what they wished ... I never saw neither my refund, nor the ability to communicate with XXXX XXXX since. However, I do know that since then, my poverty has became worse and what chances I had at income and/or credit opportunities were never the same. As it stands presently, I am barely getting by ... and as debts pile up, without so much as a credit card or sufficient income ( though I work far beyond OT still ), I am having to make a choice between 2 needed services : keeping my job as an XXXX, and paying for my XXXX XXXX bills.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98290
Submitted Via: Web
Date Sent: 2019-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-27
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: On XX/XX/19 at XXXX XXXX. - I was notified by my Employer that the original collections company has repeatedly contacted my place of Employment by calling the main phone number asking for me on multiple occasions, regularly 10+ times daily, for the past week or so. Repeatedly they were told that I will be in contact with them to discuss any matter but they keep calling. On XX/XX/19 at XXXX XXXX. - I called the original collections company and told the representative stop calling my place of employment. They told me that my phone number and all phone numbers associated with the account has been deleted. On XX/XX/19 at XXXX XXXX. - I called the original collections company again and spoke to a representative ( XXXX ) that has left me voice messages numerous times. I told her that they are not allowed to call my place of employment asking for me. They are putting my job in jeopardy. Representative told me that she has made a note to not call my Employer 's phone number and they will not call again. On XX/XX/19 at XXXX XXXX. - I was notified again that the original collections company called my Employers phone number again asking for me. The call was then transferred to me and I again repeated to them that they were not allowed to call my place of employment and that I will be filing a complaint about their harassing, unwanted phone calls. The representative ( XXXX ) said that no one ever noted in their system that the phone call is unwanted or on the do not call list but he is making a clear note regarding it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55110
Submitted Via: Web
Date Sent: 2019-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-27
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 30 days late payment. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2019-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: Filing bankruptcy Keep getting calls every single day even 2 times a day from them. I explained before I have no way to pay
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NE
Zip: 68123
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I have not received NFCU client/member payment as stipulated by CFPB Consent Order ( XXXX XXXX ). Has NFCU filed a successful appeal to the CFPB Consent Order ( XXXX ) XX/XX/XXXX decision. I experienced 99.9 % of the negative actions you penalized NFCU for. My name is surely on the list of NFCU victims, additionally NFCU and I both have submitted documentation that comports my NFCU membership before, during and after the ( XXXX ) criminal period. Their NFCU spokeswomans written prevarication to CFPB denies your allegations that they havent attacked me in said manner, but please be advised that my NFCU account is still frozen and they are still promulgating fraudulent writs about my account in their corporate records. Any pecuniary deposits that come in to accounts in my name, they immediately confiscate those funds and purport to be blameless. I am requesting that you enforce your NFCU Consent Order and force them to pay me my portion of the payout as they were ordered to do. /r/ XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85395
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2019 my checking account with Navy Federal was compromised and an ACH transfer in the amount of {$2500.00} was completed without my knowledge or authorization. As soon as i was aware of this i reported this to my bank and created a claim which was submitted on XX/XX/2019. I was informed that within 10 business days i would be contacted by an investigator who is working on the case. It has since been 13 business days and i have not been contacted by anyone from the organization. After following multiple times and again today XX/XX/2019 i was told that they are just backed up and no one will be able to give me any updates or a time frame of when my case will be completed. They've acknowledge that it is past the time that an update should've been provided but can't give me one. I was told that i will not hear from anyone until this is completely resolved, i still have bills and financial obligations and not knowing when to expect this to be resolved is causing lot of grief and stress to my family. I need to have an update or to be sure that the case is being worked. The funds were transferred to a XXXX XXXX account and they have the information. I don't know what else they are waiting for. I'm unable to speak to manager when i request one so this is my next step to ensure that something is being done to resolve this. I'm not having a XX/XX/XXXX this year but hopefully this can be resolved soon so my family can at least have a XX/XX/XXXX and avoid eviction.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a account up with this branch on XX/XX/2019 and XX/XX/XXXX i logged into my account and it told me to contact security dept. I called and they told me that they are permanetely closing my account due to insufficient documents and unable to verify me and they told me to go to my local branch. I drove 2 hrs to my local branch on XX/XX/2019 and spoke with XXXX and she told me to speak with someone else name XXXX XXXX. because they were unable to withdraw my funds from my account. she called security and they and stated that they needed i.d to release funds. i provided that documentation an she said they need legal documents stating my name change. I provided that and she told me that i needed to go to the social security office or the court house to get legal documents showing my name changed. I sent those documents in along time ago and they stated that it was not called for. so when i told XXXX, she stated she does not see it on file. and she also stated that if my marriage license pertained my maiden name it is not sufficient because my identification is showing my married name and that my married name is not on my marriage licenses. i told her that when you get married they will ask you for documents showing you are married and i gave it to them at the social security office and that how i got my married name. I showed all documents needed to verify i am who i say i am. all legal documents and all. They are failing to give me my funds out my account and they closed my account because i used my real name .This is a form of discrimination for closing my account for no reason even when i gave sufficient documents and they are failing to release my hard worked money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
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: I originally disputed this account on XX/XX/19. I Did not go on the cruise and the cruise company offered a cruise credit. I contacted the company I booked the cruise through and did not receive my credit and also disputed with NFCU. Navy fed denied my dispute I did not receive my money back or get a cruise credit in which the told me I would. I prefer to receive the money back in the same way I paid. How can they just RIP me off without rendering the service.such a scam
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2019-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: The only service any of the three credit reporting companies offer is the opportunity to dispute information in the credit report, but this complaint is about how the credit score is actually generated. Its a programming issue inasmuch as all three companies apparently use the same or similar key factors ( Att 1 p. 1 & 2 ), but in my case those key factors do not track with my credit reports, " Your credit score ... reflects the number in your consumer report '' notwithstanding ( Att 1 p. 2 : X'ed block ). For examples, factor 00011/01 : Amount owed on ( Revolving ) accounts is too high is a report Debt-to-Credit ratio of 4 %, 028 Number of Established Accounts is 03 Too Few Bank/National Revolving Accounts IS MY CHOICE, 10/010 : Proportion of Balances to credit limits is a variant of 00011, and 014 length of time accounts have been established is reported as a 21 year average in a 30 year credit history. " Know how to get rich? Spend less than you make. ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 508XX
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A