Date Received: 2019-11-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a refinancing mortgage with Navy Federal and received a loan estimate dated XX/XX/2019 with the rate locked through XX/XX/2019. I was charged {$620.00} for Navy Federal to conduct an appraisal of my home. After submitting additional paperwork it was submitted for final review. I received a call from the loan officer on XX/XX/2019 stating it was declined because they could not confirm my employment. My company 's HR department did not recall anyone from Navy Federal contacting them, and I emailed the Navy Federal loan officer cc'ing senior leaders in our HR department. The HR senior leaders confirmed my employment by email and requested that the loan officer call the company 's main line and ask for HR so they could confirm. The loan officer refused to confirm employment and flatly stated the application was denied. They refused to take any other corrective action on this matter, and now I have a loss of {$620.00} as well as the present value of higher interest payments since market interest rates have moved up in the meantime.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89511
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: NFCU has repeatedly given me the wrong information regarding my payments and late fees on my account to the point where I have incurred a ding on my credit report due to erroneous payment information given. I am unable to login into my account due to software issues on there system and this issue has been noted on my account. I continue to make my payments by phone so I rely on their customer service to give me the correct information. The latest being I paid {$200.00} in late fees only to find out that instead of them processing the payments on for the late fees they processed payment for principle balance. The promissory note states that if you are in default all charges, which includes late fees become due. They are being deceitful because they want me to continue paying interest on late fees that have already been paid.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My personal notebook was stolen by me in a public place with all my personal information. PIN # s. User ID, passwords. and that included my debit card from NFCU, ID. They went to withdraw money from the ATM/Bank. I called NFCU right away and they closed my accounts and opened new ones. I immediately changed all my passwords and put a lock with the 3 credit bureaus. All my other banks blocked the transactions except NFCU. The thiefs were able to go into my account and take all my money out. I have waited the appropriate time with NFCU to find a resolution. Everytime I call, there is no update on my case ...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Other transaction problem
Subissue:
Consumer Complaint: I contacted XXXX XXXX on XXXX initially in XX/XX/2019 to get a quote on fixing or replacing cracked tile in my shower as well as cleaning the stone floor. He came by to see the job in person and gave me a quote. I didnt have the money at the time so I told him I would keep him in mind. Fast forward to the beginning of XXXX, I reached out to him again on XXXX on XXXX to setup a time for him to come and complete the job. It took him a few days to respond as according to him, he was experiencing technical issues with XXXX. I didnt hear back from him until XXXX where I gave him my number to call me to setup a time. He was originally supposed to come on XXXX but due to fires he couldnt so we reschedule for XXXX. He came at XXXX XXXX with another gentlemen and started the work on the shower floor which was fixing cracks and cleaning/sealing. He told me it would take about XXXX hours for the sealant to dry and I had to leave to get my kids from school. He asked when he could come back to finish the job which was fixing the cracks in the tile on the wall and cleaning the grout and I told him I would be available on Tuesday, Thursday and Friday. We both agreed he would come back on Friday XXXX. Before he left he was supposed to provide me with the invoice to pay and he was again having technical issues. He left and later that night he emailed me the invoice and I paid via XXXX from my bank account with Navy Federal. Well Friday came and went and he never showed up even after I sent him a text message asking if he was gon na show up. He responded to me that Saturday XXXX saying he was dealing with fire restoration and asked if we could reschedule for the upcoming week. I Provided him with my availability and he never responded. I then reached out to XXXX who started an investigation. They reached out to him numerous times and he never responded so they suspended his account. I then received a message from him on XXXX saying his truck was stolen with his equipment and it would take a week or two to recover. By this time myself and my husband were already XXXX this guy never contacted us and didnt reach out until XXXX suspended his account. He then requested I reach out to XXXX and let them know he reached out to me so they can unsuspend his account. The rep with XXXX even expressed concern that he didnt reach out until his account was suspended. As of today ( XXXX ) the job has still NOT been completed and XXXX has XXXX not reached out to us for resolution. I filed a dispute with my bank who denied it saying because I used XXXX I can not get my money back and XXXX says they will not give me my money back since they completed the transfer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91350
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-03
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I received a loan for a new car from my bank Navy federal credit union. ( in which they claim not to have copies of my sale of contract ) My bank has reposed my vehicle when they werent supposed to I had till XX/XX/2019 to make a payment per my bank. They repossessed my vehicle before the date provided to me. They then provided me with a repo account stating I needed to pay passed due amount of XXXX and fees for towing and storage fees. I went to branch to make that payment which went to a repossession account. I was suppose to get word where my vehicle was. Later to find out I had to go to the tow yard and pay the exact fees to tow company. Two month later they lost a payment I made to my loan later to find out it was applied to another persons loan in which I had no affiliation with. My bank had been stealing money from me for my loan and I dont know where some of these payment I made went. Every time I try to resolve these problems I get the run around and am never able to speak with the department that is supposably responsible. Either the department is closed for the day or they start making up things to confuse me. I began a hardship program starting XX/XX/XXXX was supposed to be on this program for 4 months however they are still pulling funds from my account just to pay the interest on the vehicle and late fees. My vehicle is now a lemon and without the sale contract I am unable to get the vehicle bought back or replaced. The old dealer ship quality XXXX of XXXX got bought out by XXXX XXXX, I am unable to get the document from the new owner. Please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92065
Submitted Via: Web
Date Sent: 2019-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Beginning last XX/XX/XXXX, I began the process of looking into either a standard refinance or a partial cash out refinance with Navy Federal Credit Union. I used their portal, and after receiving the estimates of what payments and APR would be authorized and paid for a credit report. That began a nightmare odyssey for me and my wife. They have now had our credit reports done 4 separate times by them, the MLS agent responsible for us dissappeared for weeks or months with no returned phone calls. I had authorized them to have access to my accounts for verification purposes, but after over a month of no contact I wrote them and revoked in writing that access. Yet every day I am notified of them accessing my accounts including my government pension account from when I was a prosecutor. About a month ago I received a call from them, ( new agent ) saying that they had messed up one our social security numbers and needed to run credit again. I asked for what, he told he it was for a product that we were not even applying for. They have damaged my credit, they have and are continuing to, in violation of state law, invading my privacy by accessing my accounts. Then today I received a note from them that we were being denied credit from them for not providing information, yet we WERE NOT applying for a product and had told them multiple times to shut it down. There was a brief moment, after 7 documented un returned phone calls, 3 electronic reach outs, where we were able to connect with XXXX XXXX, NMLS # XXXX. She was supposed to righting the ship. However it nearly 7 weeks later when another agent called to offer us another product. XXXX then failed to return multiple phone calls. So to receive this letter and to continually see my accounts being accessed, feels very wrong and I am asking for help. Navy Federal 's response to me has been they are inidated with a large amount of applicants. That's not an excuse. Please help. Thank you-
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85018
Submitted Via: Web
Date Sent: 2019-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-02
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVY FEDERAL CU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2019-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: NAVY FEDERAL CR UNION reported on my credit report. I realized that this account is not mine. I tried contacting both XXXX, XXXX and XXXX. NAVY FEDERAL CR UNION with no successful resolution. XXXX. There was definitely an error on their part. I have never applied for this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A