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. The credit later closed my XXXX credit card. I paid an annual fee of {$49.00} for the card. This should be refunded since I no longer have use of the card, and the credit union closed the account without consulting me.
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a credit card with Navy Federal Credit Union. My credit card went bad because I was financially unable to maintain the payments. Due to me being a XXXX veterans I was limited as to what I could do for employment. I was employed as a XXXX XXXX but had many limitations. Due to my XXXX I wasn't able to do the XXXX XXXX XXXX therefore I ended up losing my job. This caused my inability to continue making my scheduled payments. In the beginning NFCU tried working with me eventually closing the credit card. In 2017 NFCU charged off the account. I have no disputes with their protocol. After the charge off NFCU continued to call me daily and harass me about paying the credit card. I asked them to stop with the calls but they continued to call with harassment. I sought legal aid in which they sued NFCU winning a judgement against NFCU for violation of Penal Code 653m. Almost 2 1/2 years later NFCU changed my credit report status from charge off to FP ( failure to pay ). NFCU did this out of spite to negatively impact my credit score, harass me into paying, tarnish my character and to negatively effect my credit worthiness. They waited 2 1/2 years after the charge off was completed to assult my credit and character. I strongly believe all of this was done by NFCU as a form of retaliation against me. I have the proof to support my accusations and claim against NFCU.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am a victim of a catfish scam and my information was compromised after I opened a photo that was sent to me, which contained a virus that copied information off my cell phone. This information was used to open a credit card account in my name with Navy FCU on XX/XX/2019. The credit with a {$25000.00} credit limit was maxed out with one month with purchases and cash advances. I contacted the Navy FCU to dispute the fraudulent account. They conducted their investigation and told me that I am liable for the charges because I gave authorization to a romantic partner. I explained that I did not give authorization to anyone and that my information was compromised due to malicious software. Navy FCU refuses to disclose to me the process the account was established and documentation showing how the account was established. I am frustrated and I am feeling victimized all over again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 87112
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: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: The mortgage processor from Navy Federal Credit Union assigned after online application and upload of requested information withdrew our loan application and hung up the phone during a phone call on XX/XX/2019. The loan officer was unavailable and did not communicate for 5 days. The process was broken with confusing document requests electronic and otherwise. Refused to accept digital signatures for 4586-T forms requiring printing and mailing. Was unprofessional. Damaged our credit by pulling a hard credit pull.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I applied for car loan in XX/XX/2019, my report shows serious delinquency from XXXX. Also my credit monitor on navy federal credit union also shows serious delinquency on XXXX. I have not been delinquent in any of my loans and no company has called my or sent any letter that i am delinquent. My XXXX fax does not show any delinquency and i wonder why that report is in my account why i do a credit check
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I initiated an international wire transfer with Navy Federal Credit Union on XX/XX/2019. To this day, the recipient has not received the funds. The last notification I received was via email stating my transfer was successfully sent to the Federal Reserve. I called Navy Federal Credit Union and they say they cant help me, but only try to get ahold the Federal Reserve, which I am sure they did not. They told me this is out of their hands and that if I get no response from them, that means my funds are lost. First of all, what kind of bank says this to their customer??? Second, I was charged a high exchange rate and paid {$25.00} for this transaction so they are fully obligated to cough up the money if this gets lost, since I did everything on my part correctly. The three American entities involved are Navy Federal Credit Union, the Federal Reserve, and XXXX XXXX ( which is the bank that Navy Federal uses for currency exchange ). This will turn into a lawsuit against all three companies if this is not fixed, very soon. I need to know where the wire is, if thats not possible, for some reason, even with the secure technology the banks use, one institution will need to cough up the money and place it back in my account WITH NO FEES OR DEDUCTIONS. This payment was made to pay my rent, but of course, the banks mess it up and they dont even care. This is why I am asking you, the government, to step in.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have a credit card with Navy Federal Credit Union ( NFCU ). I have not received a regular monthly billing credit card statement in over a eight months. I have called NFCU several times about this issue to inform them I am not receiving monthly statements. I have called in the past to have old statements emailed and mailed to me and they are able to do that, but they will not send me periodic statement for my credit card account. I called again today XX/XX/XXXX and informed a representative of the same issue of not receiving monthly statements. I verified my address, which in correct in their system. The representative placed me on hold and stated she spoke with four different departments and the conclusion is my monthly statements are suppressed and I have a security alert on my account and that's why I have not been receiving monthly statements. I asked the rep " so how do I know how much to pay every month and whats my balance. '' The rep told me I had to call in every month and get the information, just like I am doing now. I told the representative that was illegal not to send me a monthly billing statement and she told me is not illegal because I have a security alert on my profile. I asked to be transferred to a supervisor. I informed the supervisor of what the representative told me about not being able to receive a monthly billing statement and of course the supervisor, whom was trying to cover up for their illegal actions stated that was incorrect and I should be receiving a monthly statement. The supervisor placed me on hold again for several minutes and spoke to different departments. Now that they know, I am aware of the law and I should be receiving a monthly credit card billing statement, their conclusion changed. The supervisor told me the statements were not suppressed and they have been mailing out statements every month. I informed the supervisor that is incorrect, I have not received a monthly statement via mail or electronic means. The supervisor told me to check with the post office because they have been sent XXXX I have absolutely no problem receiving mail from any other person or entity and the post office is not to blame for NFCU illegally actions XXXX. I know for a fact what the supervisor told me was incorrect, because when I called a few months ago another representative told me the statements were not being mailed out. The Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of XXXX is very clear. Navy Federal Credit Union is not adhering to the law, under the CARD Act, TITLE ICONSUMER PROTECTION, SEC. 163 ( a ). TIMING OF PAYMENTS, where in which it states : to ensure that each periodic statement including the information required by section 127 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. Navy Federal Credit Union has not mailed or delivered a periodic statement, which is in direct violation of federal law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
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 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 to 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: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: During the time frame of XXXX and XXXX there was 2 credit cards opened ( ending XXXX and XXXX ) with XXXX XXXX without my authorization. There was 3 credit card accounts opened without authorization from Navy Federal. When I moved back in my primary residence, this is when I found out about the accounts by letters that was being sent. I disputed the information with the credit bureaus and sent along a police report. I did received another letter stating no fraud was found and basically that was it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Navy Federal Credit Union ( NFCU ) forcing me to borrow money for insurance when I do no need to borrow. I searched for,, squired, and paid for a mortgage insurance before closing on my mortgage, the loan processor insisted that I am doing it wrong, that the insurance is usually added to my monthly mortgage payment, then, paid the said amount into my account and added it to amount financed. Is this legal? to force me to finance the insurance
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A