Date Received: 2019-10-20
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/2019, I applied for a {$40000.00} auto loan. Due to starting a new job, I provided to Navy a copy of 1 check consisting of two week pay ( {$8800.00} ) and my offer letter detailing that my yearly salary is {$190000.00}. It is clear that I am able to afford a loan of this type. But according to Navy personal, because I am on a contract I do not qualify for a loan and was denied. After speaking with them, I requested to modify the loan terms to {$20000.00} and 1 year loan. That too was denied. This is America, therefore, not every job is guaranteed. I was told, due to the fact that there is an expiration date to my contract I would not qualify for a loan. As a part of that offer letter, it states the possibility of extension. For every contractor, work is based on a length of time. Navy Federal has discriminated against me. And, most federal jobs today are based on contract. Navy Federal is denying those with the ability to pay loans solely because they are on a contract. I would like to have the discrimination practices stop by Navy Federal Credit Union.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10037
Submitted Via: Web
Date Sent: 2019-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-20
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a {$23000.00} Credit Card from the Navy Federal Credit Union. I am trying to pay off my credit card balance but every time I pay down on my credit card and pay more than the minimum payment without using it for months my monthly payments increases. I have spoken to bank agent but I could not understand what he was saying about how the credit card fees is applied. All I do know is when someone is paying down there credit card debt and paying more than the minimum payments each month without using the credit card the monthly payments gets lower each month. In my case my monthly payments gets higher each month. Even if I don't use it and pay down my debt. I believe that there is something wrong with situation. Can You Help?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90810
Submitted Via: Web
Date Sent: 2019-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I informed the company that this account was the result of identity theft. The theft is a close family member of mine and I have chosen not to press charges against them for their crimes against me. Since I have elected not to press charges, I made this company an offer of settlement in exchange for the complete deletion of the tradeline. They advised they would not delete even if I paid.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Navy Federal changed the yield on an open certificate from 3.5 % to 2.08 %. The 3.5 % was part of a promotion where if you have a direct deposit set up on a checking account, you would receive this rate. I set this up through my employer, and had multiple payroll deposits directed to my checking account ( # XXXX ). See deposits on : XX/XX/2019 ACH Transaction - XXXX XXXX XXXX XX/XX/2019 ACH Transaction - XXXX XXXX XXXX Navy federal is telling me that they don't count because they are ACH. When asking them to correct this, they responded : " Thank you for using Navy Federal 's eMessaging Service, Mrs. XXXX. Please be advised that the DDNP must be a direct deposit. Our records indicate that the funds are being sent weekly via XXXX. The direct deposit would typically come from an employer as part of your paycheck. If we can be of further assistance, please let us know. We thank you for choosing Navy Federal and hope you enjoy your day. " " DDNP '' is an unclear, and misleading. What the XXXX does that actually mean? How can a payroll deposit, from an employer not be a direct deposit?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 276XX
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i have these unknown inquires I wish to have them removed, I have sent letter to XXXX, I have reached out to the creditor that made the inquiry still no help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I reviewed my XXXX credit report and I totally shocked that XXXX reinserted fraudulent accounts on my credit report from 2-4 years ago. XXXX has violated my rights and I have filed a complaint with Attorney General office, XXXX XXXX XXXX and Consumer Financial Protection Bureau. I am requesting for XXXX to delete and block these fraudulent accounts immediately : 1. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 2. NAVY FEDERAL CU | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 3. XXXX XXXX | XXXX Balance : {$1600.00} 4. XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX did not notify me within five business days before placing these old fraudulent accounts back on my credit report. XXXX has violated my rights and I will be consulting with a consumer attorney sue XXXX for its negligence.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: **I was led to believe from the Navy Federal CU mobile app that my credit card payment was not 30 days past due. **On Friday XX/XX/2019 the Navy Federal CU mobile app showed my account being 28 days past due. **I made the Payment on Saturday XX/XX/2019 and the NavyFederal mobile app now showed the account as being 31 days past due. **I have screenshots showing Friday XX/XX/XXXX 28 days past due & then Sat XX/XX/XXXX 31 days past due being displayed on their mobile app. -- - Both screenshots are attached to this complaint -- - **To make matters worse they did not even use my payment date but the posting date of the payment which ended up being XX/XX/XXXX because of the XXXX XXXX holiday. **Now when checking my credit reports I have a 30 day past do negative annotation on this credit account. **I then made several calls to Navy Federal credit Union and spoke to 2 separate managers in the credit card department. Both explained to me that there was nothing that could be done about the negative mark ( 30days past due ) that was placed on my credit report. **I have been a member of Navy Federal Credit Union for 25 years since my enlistment in the XXXX XXXX . I have never had an issue and have always been treated fairly. I have had the credit card for about 2 years and have never made a late payment. **I would very much appreciate if the negative mark on my credit reports was removed.
Company Response:
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: About a week ago, I received ten checks from XXXX XXXX because I filed a complaint against them with the U.S Department of Transportation. XXXX XXXX reimbursed some of the money that we paid for nine of us when we were on vacation which was majorly delayed along with unnecessary expenses caused by the delay. Now, on Friday, XX/XX/2019 at XXXX, I went to Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Nevada in order to deposit all ten checks. I waited in line for a good half hour when I was finally seen by a young lady. She looked at the checks, seen different names on them along with deposit only on the back. She then asked for the manager which was a XXXX, XXXX XXXX lady with XXXX. She said that the checks needs to be signed by each person before depositing unless she places them into each persons account. I said no because these funds are mine since we paid for the whole trip and XXXX XXXX was fully aware of this. I then stated that two of these people are minors and by law, do not need to sign these checks. I then took the checks back and contacted everyone to come over to our house to sign the checks so I can deposit them. On Tuesday XX/XX/2019 at XXXX, I went to Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX Nevada in order to deposit all ten checks into my account. The teller said that I needed to sign the checks. I said no, I didn't need to and asked for the manager. The manager came which was a XXXX XXXX XXXX woman. She asked if this company was out of the country and I said XXXX XXXX is from XXXX. She then stated that she can deposit just our checks only and not the other three checks for the other relatives. She then said that the checks would have third party fees because they would need to go to XXXX XXXX in order to get the funds and could take six weeks because these checks were from out of the country. I said why when I already had everyone sign the checks including our minor children! I then asked for the checks back and then went home. I then contacted Navy Federal Credit Union by phone on Tuesday XX/XX/2019 at XXXX and spoke with XXXX which was the supervisor. I explained that I purchased all the tickets for this trip, that I went to Navy Federal on XXXX XXXX on last Friday and what the manager told us. I had everyone sign the checks including the minor children, then went to Navy Federal at the XXXX XXXX location to find out that I could not deposit these checks into my account. The facts are ; these check are issues from a XXXX Branch location located in XXXX Delaware. All of these checks were signed by each person ( endorsed ) that was issued the check too, all the checks are in my possession along with each invoice receipt which reflects these checks were mail by XXXX XXXX to my home address and not to anyone else. Furthermore ; the employees at each branch should have notified me, the customer what the procedures are without wasting the customers time and money by driving around unnecessarily! Now, endorsing a check does not require the person that is giving the check to another person, that the endorser does not need to reflect that he or she is endorsing the check ( s ) to a certain person with there name on it but XXXX the supervisor said that it was a requirement. I notified him that I wanted to file a complaint against these managers that failed to give me the correct information, wasting my time and money and that I was going to file a complaint against Navy Federal with Federal and State agencies.
Company Response: Company believes complaint is the result of an isolated error
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the XXXXredit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity. I've had accounts with Navy Federal Credit Union for approximately 4 years. All activity throughout this period has been consistent and fully within the terms and conditions they provided me when I opened the accounts. Shortly after this, the credit union closed my credit card and refused to pay rewards I had earned on the account in accordance with their terms and conditions. The credit card agreement stated I would receive 2 % cash back for all purchases I made with the card. At the time the credit union decided to stop complying with their credit card contract with me, my account contained XXXX points, worth {$44.00} if redeemed for cash as described in the credit card terms and conditions. Had I known the credit union would violate their own contract by refusing to pay rewards I had earned, I would have used another bank 's credit card. Since the credit I would like to point out again, the credit union never provided me a reason for closing the account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2019 I discovered Navy Federal Credit Union restricted my access to my accounts at the credit union. They never provided me a reason for this. They only stated there was suspicious activity on the account. I reviewed my account and could not find any suspicious activity. I paid a {$49.00} annual fee for the card. Since the credit union closed the card, I am unable to use it, therefore they should return the fee I paid for the card.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A