Date Received: 2019-04-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Saturday, XX/XX/2019 I had noticed an unauthorized charge in my checking account for {$900.00}. I immediately froze my debit card and went to the credit union to dispute it as fraud and be issued a new debit card. I was told I had to wait to file a " Fraud Claim '' til the amount posts to my account, " not pending ''. It cleared this morning XX/XX/2019, so I called and filed the claim. About 4 hours later I get an email saying " No error had occur ''. So now I'm going to have the funds they just placed back, taken out again for something I did not authorize to begin with. My debit card was not in my possession at the time this fraud occurred, so why am I being told otherwise? Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX 2018 I had a credit card with a limit of {$5000.00} dollars taken out under my account with Navy Federal Credit Union. I filed a police report and sent it out to all three major credit bureaus to resolve the issues and make progress to restore my credit in XXXX of this year. I also sent police report to Navy Federal but my claim was denied and I haven't received an answer to why. I have two other bank accounts that are open and didn't use my Navy Federal account which lead me to not have any knowledge of these fraudulent accounts for a while. Once I got the items removed from my credit report after about a month its showed back up on my reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2019-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a valid member of Navy Federal Credit Union, they have locked my account due to a fraudulent check which I e deposited. I have sent a Fraud Appeals 6 page letter about the fraudulent check ; however, Navy Federal Credit Union will not release my account so I can pay my Bill 's. I will gladly provide you with a copy of my NFCU fraud response. My telephone number is XXXX. My email address is XXXX. I look forward to either hearing or reading your response. Sincerely yours, XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27262
Submitted Via: Web
Date Sent: 2019-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, I applied for a mortgage with Navy Federal through the online application portal. I received an email confirming my application submission with a loan number XXXX and XXXX XXXX XXXX ( NMLS # XXXX ) as the loan officer assigned to my case. Ms. XXXX and I exchanged a few emails on XX/XX/XXXX and she asked me several questions that were redundant of information already provided within my application. She also asked me questions that I felt were inappropriate and insulting. Specifically, she asked : 1 ) are you full time or part time?, 2 ) hourly or salaried?, 3 ) what is your hourly rate or salaried amount?, 4 ) what is the physical work address you report daily?, and 5 ) what is the price range you are looking at? what is the lowest you would consider being approved for? Questions 1-3 are all answered within the online application, and in fact, any information that is missing when completing the online application prevents submission of the application for review at NFCU. Question 4 is not asked on the application, however the answers to the first 5 questions are all found within the application and supplemental documents that were uploaded to my account and/or emailed directly to Ms. XXXX. I also want to note that despite me informing Ms. XXXX that I had uploaded these documents ( W2, earning and leave statements, bank statements ) to the NFCU official portal, Ms. XXXX informed me that it would take longer for her to view them that way so I offered to email them. She did not warn me that email is not secure and that they should not be emailed, and instead, encouraged me to email them directly to her. On my application, I indicated that I was interested in a prequalification for {$380000.00}, so again, not sure why she asked the last two questions. Asking someone for the lowest amount that theyd consider is the opposite of what consumers seek for a prequalification, which is the maximum approved amount. Its also insulting to someone who makes more than {$120000.00} annually. My communications with Ms. XXXX were unpleasant. I felt she was rude to both me and my realtor and for that reason, we requested a different loan officer. She told me and my realtor that if the amount I needed was too high, her underwriters wouldnt even process the application, which made it seem that she simply did not wish to waster her time on my application at all. We sent an email asking to be reassigned to a different loan officer and as a result, her supervisor, XXXX XXXX ( NMLS # XXXX ), contacted me. Ms. XXXX informed me that she was reviewing my credit file and noticed that I had a short sale in XXXX, and that because of the short sale being within 3 years, I wouldnt qualify for NFCUs zero down payment loan. She went on to say that the requirement for zero money down loans with Navy Federal is four years from the date of the short sale. Ms. XXXX stated further that, anything within the 4 years required a 10 % down payment. Disappointed, I accepted the determination at that time and began looking at other options. Ms. XXXX canceled my application. The next day, however, I pulled my credit report and saw that Ms. XXXX, who stated she was looking at my credit report while we were speaking the previous day, was incorrect and that the date of my short sale was in XX/XX/XXXX, making it more than four years ago. I called her to tell her this and she then informed me that NFCU requires the short sale to be seven years prior. My realtor jumped into the conversation because at this point, we both felt as though she was making up reasons not to process my loan paperwork. I emailed Ms. XXXX a screenshot of my credit report from XXXX XXXX as well as the recording in which she clearly stated that the requirement is FOUR years and only then, did she agree to process my file. During our discussion on XX/XX/XXXX, Ms. XXXX stated that my credit report showed the disposition of the short sale in XXXX, which is incorrect. She also changed the entire guidelines that she explained the previous day, leading me to believe that she was making things up the entire time. My realtor requested that she send me the guidelines she was quoting and she sent an alleged excerpt of them, copied here : On Wednesday,XX/XX/XXXX XXXX XXXX MST, XXXX XXXX wrote : Hi Ms. XXXX, I am not able to provide copy Navy Federal guidelines ; however, this is Navy Federal Guideline for a Foreclosures : 7 years from the disbursement date, if the LTV/CLTV is greater than 90 % 4 years from the disbursement date, if the LTV/CLTV is 90 % or below 2 years from the disbursement date with extenuating circumstances and the LTV/CLTV is 90 % or below It is concerning that the guidelines provided by Ms. XXXX are for FORECLOSURES, not short sales. She also contacted me on XX/XX/XXXX and told me that my application was denied due to the seasoning of my foreclosure. I did not have a foreclosure and am concerned that she is using arbitrary guidelines to deny me credit. I record all my phone calls and have evidence to support everything within this complaint. I have also contacted Ms. XXXX supervisor, XXXX XXXX, who is supposedly unavailable today. I believe NFCU is discriminating against me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85340
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
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 on the dates XX/XX/2017. 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: XXXXX
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I ORIGINALLY DISPUTED THIS ITEM WITH XXXX XX/XX/XXXX FOR NAVY FEDERAL CREDIT UNION IN THE AMOUNT {$19000.00} STATING THAT THIS WAS A FRAUDULENT ACCOUNT. I INCLUDED A COPY OF MY IDENTITY THEFT REPORT THAT WAS FILED WITH THE FEDERAL TRADE COMMISSION LISTING THE ABOVE MENTION ACCOUNT, DRIVERS LICENSE, AND SOCIAL SECURITY CARD. XXXX DID REMOVED THIS ACCOUNT FROM MY CREDIT REPORT XX/XX/XXXX. IN XX/XX/XXXX THIS ACCOUNT REAPPEARED BACK ON MY CREDIT. I DISPUTED THE ACCOUNT AGAIN XX/XX/XXXX FOR XXXX TO RESPOND WITH THE ITEM REMAINS ON MY CREDIT. PER SECTIONS 605B, 615 ( f ) AND 623 ( a ) ( 6 ) OF THE FCRA THIS ACCOUNT SHOULD HAVE BEEN DELETED AND BLOCKED.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am filing a complaint because Navy Federal CU has ignored my request to provide me with documents that their company has on file that was used to verify the account I have disputed. Being that they have gone past the 30 day mark and can not verify this account, under Section 611 ( 5 ) ( A ) of the FCRA, Navy Federal CU is required to promptly delete all information which can not be verified, that I have been disputing since 2018. Please resolve this matter as soon as possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received an escrow annual analysis dated XXXX XX/XX/XXXX. My property taxes have DECREASED since last year by {$9.00} my insurance has DECREASED by {$10.00} yet my escrow has increased by {$33.00}. Every year since XXXX this institution has been steadily increasing my payments. Im an unemployed XXXX XXXX veteran on a fixed income. This is absolutely not right!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 81004
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: When I logged into my bank account this morning, I noticed that XXXX had been debited out of my account. It said, XX/XX/XXXX Adjustment - XXXX XXXX - {$180.00}. When I called Navy Federal I was told it was for an account that was overdrawn, however, neither of my checking accounts were. I came to realize that they were referring to an old account, 4 or 5 years old to be exact, that had been discharged in my bankruptcy that was discharged XX/XX/XXXX. The lady connected me to the bankruptcy department and I explained to the gentleman over the phone that this is against the law and that I had contacted my bankruptcy attorneys office and was awaiting a return call. This is not the first time I have had to fight with these people over unethical practices where my bankruptcy is concerned.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Good morning, Positive this is review is without bias and or inclusion, I would like an explanation why my voluntary child support and my child support is not being considered. My son turns XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. Attached you will find a copy of my sons state ID. I have submitted my concerns to the CFPB, just to make sure I receive that your policy is inclusive and there are no bias based on protected class. You repeated the payments must continue for three years, but confirmed the income would not be considered bc he will be XXXX in less than 3 years. Not to mention, his father confirmed he resides in the property and will continue to the household beyond the threshold quoted. 36 months o There are 36 months from XX/XX/XXXX to XX/XX/XXXX According to the mortgee document below it states : https : //www.fha.com/fha_article? id=883 How are voluntary payment arrangements for alimony or child support documented? The Mortgagee must document the voluntary payment agreement with 12 months of canceled checks, deposit slips, or tax returns. The Mortgagee must provide evidence that the claimed income will continue for at least three years. The Mortgagee may use the front and pertinent pages of the divorce decree/settlement agreement and/or court order showing the financial details.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A