Date Received: 2019-09-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I sent {$2500.00} from my Navy Federal checking account to another Navy Federal checking account for services that were never received. I filed a police report for fraud with my local district, opened an investigation with the FBI to which multiple cases have been opened against this individual before and filed a complaint with the FTC. All parties notified me that my bank would be able to simply freeze the account because they were both Navy Federal and investigate it further. I called my local branch in XXXX XXXX, NJ and they told me there was nothing they could do and that I should notify the FTC, who initially told me to contact them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: About 30 days ago, my wife put in for a refinance. I put up earnest money for another property because she is refinancing the statute home in her name. The property I am purchasing in my name can not be purchased until the title is clear out of my name. I was told 60 days was standard by Navy Federal, however that seems excessive. Also they cant even give me a hard date so that way I can set a closing days on my new property and Ive called four times and message three times. Please help. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80922
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I trusted Navy Federal Credit Union ( NFCU ), therefore I submitted a modification packet as I was advised by the representative rather than getting assistance from an attorney. However, NFCU delayed representative received my packet on XX/XX/XXXX @ XXXX, and I received a letter from the attorney XXXX XXXX XXXX XXXX XXXX XXXX , XXXX on XX/XX/XXXX stating over $ 11k could be paid to reinstate my mortgage, however I have no savings and did not have the money, however no sale date had been set. Instead the sale date was set for XX/XX/XXXX, after my hardship packet had been received. While I waited on assistance from NFCU it appears they had no intentions on assisting me and were simply stalling me as time went by. Ms. XXXX claimed a letter was sent on XX/XX/XXXX, XXXX statements were needed, which I never received ; however packet was submitted at beginning of XXXX so I sent XXXX, XXXX, XXXX. Once informed what was needed I emailed documents within 2 hours. Ms. XXXX called me on XX/XX/XXXX, stating nothing could be done, my home would be sold XXXX XXXX, XXXX. I asked about Deed in Lieu, short sale, more time to move out. She gave me foreclosure attorney number. I called and spoke with Mr. XXXX, he stated NFCU would have to give them permission to delay the sale of my property, so I could have more time. So I called and Ms. XXXX is suppose to call me back. I have requested assistance with no success, NFCU has collected money from me for 12 years for a mortgage that started out at $ XXXX, now I owe $ XXXX, so NFCU will come out a winner, by auctioning off my home. This is wrong, I have served my country and worked for the government all my life, only to be denied benefits I deserve. XXXX amongst veterans is not high merely because of XXXX, it is because of the injustice we are forced to endure after begging this country for assistance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2019-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy since XX/XX/XXXX has illegally put hold on {$9900.00} Checking and ( {$9800.00} in savings for no explanation Navy has illegally transferred {$9900.00} to payment of line of credit but is still holding the {$9800.00} in savings to date In the mean time they are reporting my payments late to the credit Bureaus If they can illegally take the checking {$9900.00} why are they holding the {$9800.00} savings They were both deposited on same day The funds obviously are good or they would not have illegally taken the {$9900.00} in the checking to pay the payment on the line of credit Navy has continued to lie to me as for a legit explanation Navy is a bunch of thieves
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Was told I had a charge off account with Navy federal for a mastercard platinum from XX/XX/XXXXfor about {$950.00} and will not let me withdraw my savings account or close it out until the debt is paid and when I asked for statements and ways to verify the debt they said they cant because it's a very old account I told them I will not pay for a debt that I cant even verify is mine and that they cant just hold my savings account funds indefinitely to cover that debt. I also found a letter dated from XX/XX/XXXX and it said I had to make a payment or they would contact my chain of command to force me into making a payment arrangement back then. I think Navy Federal has unethical collection tactics.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am a victim of identity fraud since 2017. Most recently I have had fraud charges show up multiple places. As a result we had overdraft charges and navy Federal is not refunding the account for 8 or 9 {$29.00} charges. Also I have been charged XXXX 5 times for a new debit card that they keep canceling without my knowledge. I am not sure if its a security feature due to my fraud alerts but the account should also be credited. I have on numerous occasions went to use my card and the card has been deleted. Between the overdraft charges and the debit card charges it is over {$300.00}. We are already in a terrible place because of the identity fraud and could really use some help understanding. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: HOW DO I OWE YOU {$890.00} DOLLARS ON A SECUDED CREDIT CARD? NFCU HAS NEVER EXPLAINED THIS. I DO NOT OWE YOU {$890.00}. DOLLARS JUST BECAUSE YOU SAY SO. I WILLSUE YOU IN SMALL CLAIMS COURT. THIS BANK IS FULL OF LIES. THE PRESIDENT OF THIS BANK CALLED ME A XXXX TO MY FACE ON XXXX XXXX IN VIRGINIA HE IS A XXXX. XXXX PHONE NUMBER XXXX IS BLOCKED BECAUSE I RECEIVED OVER 901 SPOOPHED CALLS FROM NFCU.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX a check an unauthorized user got into my account and deposited a check while I was in the hospital.I immediately informed the bank and the customer service rep stated someone tried to call and access my account by phone and was directed to gong to the branch because they did not have the proper identification to identify me.The credit union never took the time out to protect the customer i put in my complaint ask them go run the tape when the deposit was made heard to conflicting stories one was the check was deposited and funds were not available. Now im.hearing check was deposited funds were drawn out T the same time of deposit I sent in document showing I was in the hospital then I was sent a decision letter stating I owe XXXX dollars but then said on phone XXXX they never looked at the claim just focus on how they were going to get the money back when they allowed an unauthorized user to go into my about and want me to pay for it and then I discovered they closed my savings with no notice no phone call I would like justice with my account people koin this credit union for the o and honor of love ones who fought for our country none of this is taken in consideration they restrict your account on things that they allowed to happen when they ate suppose yo be protecting the customer
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2019-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We are under contract to buy a home and had been working with Navy Federal in the mortgage process. We received pre-approval in a relatively timely manner and a loan estimate via email after repeated phone calls and email attempts. When we decided to use Navy Federal as a lender, we began calling with questions for our loan officer. We called approximately 60-70 times and left at least a dozen messages for both her and her listed supervisor. We have still never spoken to her or her supervisor on the phone or received a call back, only sporadic emails ( maybe 5-6. ). Getting increasingly frustrated with the lack of contact, we called NFCU general phone number on two occasions. The first occasion resulted in the agent going in to speak with our loan officer ( XXXX XXXX ) then relaying information to me, namely that XXXX was too busy to talk and that we would receive a call back. We did not receive a call. XXXX business days later I called the general number once again and was told that XXXX was in the office but could not be reached. The call was escalated to a supervisor. The supervisor informed me that he would email XXXX and her direct supervisor but that no other action could be taken to assist us. When asked what a reasonable time frame in which we would be contacted, he stated that he was unable to predict the future. We inquired on both calls with the customer support about switching loan officers and both times we were informed we could apply for a new officer, but would not be able to get one within our closing window to avoid delaying closing date ( deadline of XX/XX/2019. )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WV
Zip: 252XX
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of identity theft and NAVY FEDERAL is refusing to remove these accounts from my credit report especially since their system is flawed and they have a low level screening process for membership.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2019-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A