Date Received: 2019-04-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: on XX/XX/2015, my mother, XXXX XXXX XXXX, passed away and I inherited her home. the house had a mortgage in place from navy federal credit union. For the 1st year I tried weekly and at times daily to communicate with them to assume the loan. I provided the death certificate, the will and the title which has my name on it. they refused to communicate with me, refused to allow me to pay on the loan and refused any information about the status of the account to me. it went into foreclosure ( the notice of acceleration was sent to an address that does not exist and i was never notified in any way ) Once i discovered this i moved cross country from XXXX state to XXXX to make the home my primary residence and to handle the situation in person. that was over 2 and a half years ago. they have still refused to allow me to assume. they are attempting to refuse my assumption based upon my credit score witch according to the cfpb and numerous other laws and organizations does not apply. they have made me jump through every hoop imaginable. they have added so many legal fees that the house is almost under water when it had over XXXX in equity originally. they have not responded to my many notices of error, their attorneys have made numerous false allegations and used a large number of varying aggressive, predatory tactics of which I have evidence. I took them to mediation and they didnt even have a representative from the bank show up and then they refused to comply with the arrangements made during the mediation and instead filed for a summary judgement. I have tried for 5 years now to simply assume the loan for the home which my mother 's ashes are buried on. My wife and I have held steady income the entire time and have stated time and time again that we just want to assume the loan and pay it. We are stuck, lost, and in daily fear of losing our home. Please help us. Please. I just want to protect the home my mother left to me. I feel like they intentionally denied me assumption and used predatory tactics to foreclose upon the home to profit from the equity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-17
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: Navy Federal Credit Union has been reporting a 30-day late payment on my credit report with XXXX, XXXX, and XXXX. The payment made on the account was kicked back from my bank due to my account information being compromised. By this situation, it caused the payment to be treated as a 30-day late. This situation was beyond my control and I've phoned, written and disputed the item every way possible with NFCU requesting a goodwill adjustment and was told no every single time. I've got perfect payment history on all tradelines in my name and this is hurting my ability to obtain good financing no matter what the request might be.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45011
Submitted Via: Web
Date Sent: 2019-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Navy Federal Credit Union allowed an account to be opened in my name without my permission by someone who stole my information. The account was opened using my Access number and my correct personal information that was obtained as a result of identity theft. I have personally gone into a Navy Federal branch multiple times and explained that the account they are reporting against me and have now sent to a 3rd party collection agency was as a result of identity theft. I have also provided Navy Federal a written notification that I disputed the debt as fraud and told them that the account they are reporting against me is fraudulent, and I also provided them a recent police report. Even after dealing directly with Navy Federal they not only refused to remove the fraudulent account out of my name, they took the account and immediately sent it to a 3rd party collection agency when they plainly were told the account was fraud. This is not my account and I did not open the account and I did not provide my information to anyone else to open an account in my name, however Navy Federal refuses to act in a reasonable manner and have violated the FCRA by sending an account disputed directly with them as fraud to a 3rd party collection agency.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I opened a SECURED credit card account with Navy Federal around XX/XX/XXXX. They took {$500.00} out of my account as security to hold. Around a week later I received my card. Months later I lost my job and was unable to make payments on the card. I did not worry about this because Navy Federal had my security deposit. Shortly after this I started receiving calls that I owed them money that they already had. After many hours on the phone trying to straighten it out I was told the bank didn't know what happened that there was a " technical issue ''. At that time I asked why their technical issue was being reported on my credit reports. If there was a issue on the banks end they shouldn't be asking me to pay AGAIN. I filed a complaint and received a call. This time they partially blamed me. Telling me that the {$500.00} they deducted from my account for the secured card they for some unknown reason put back in my account. This makes no sense as the purpose of a secured card is once again that the bank holds onto the security deposit in case of default. This account has now been reporting negatively for 3 years and in violation of federal law. The bank is knowingly reporting negative information for a problem that they have acknowledged is their fault. I called on XXXX and tried to settle the account because it is stopping me from purchasing a house and was basically told this is not only my problem but even if I do pay it they will not remove the negative history associated with the account by XXXX ( F ) phone number XXXX at extension XXXX. I spoke to her manager Mr. XXXX at extension XXXX and he also refused to help me fix the problem. Now after dealing with this for 3 years and having my finances and life ruined I am seeking legal recourse in accordance with the Fair Credit Reporting Act. There will be no more phone calls or me trying to fix their mistake. The information being reported is not accurate, due to negligence and negatively impacting my reputation causing much mental anguish. I need all of this documented because if there are other people being conned like myself I'm sure there will be another class action lawsuit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-15
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I filed a credit card billing dispute through Navy Federal Credit Union 's ( NFCU ) billing dispute system on XX/XX/2019. I submitted documents related to the dispute on the same day through secure messaging on their website and also by fax. I received a secure message from NFCU on XX/XX/2019 confirming that they had " received '' and are " reviewing '' the documents. I subsequently received a letter through regular mail from them, asking me to contact them to answer whether or not I attempted to resolve the dispute with the merchant prior to filing the dispute with NFCU. I called NFCU the same day, and I confirmed to the representative I spoke with that I did indeed attempt to resolve the dispute with the merchant prior to filing the claim. She then told me to disregard the mailed letter and to expect a follow-up letter containing the results of my dispute. After receiving no such letter, I called NFCU and asked for the dispute results. The representative told me that my billing correction request was denied without offering an explanation. I then asked to speak with a supervisor. After a lengthy hold, I spoke with the supervisor. She denied that NFCU had received the dispute-documents. After explaining to her that I had received written communication that the documents I submitted were properly received, she asked me to send them again. I sent them again by secure messaging through NFCU 's website. She then said that she did not receive them. I sent the documents again, and again she denied receiving them. I sent them another time. This time, she confirmed receipt but immediately claimed that I had no right to recover the payment. She assumed that I was saying I was unhappy with the results of the Mediation, and that is why I want my money back. I said no such thing, nor did I intimate anything like that. I want my money back because the attorney violated the retainer agreement : ( 1 ) She refused to continue work on the Mediation without extra payments from me despite our written and verbal agreement of a {$2000.00} fixed fee for the Mediation. ( 2 ) She refused to file the petition that was offered and accepted during the Mediation unless paid more money. ( 3 ) She ceased work immediately without providing the 10-day notice required by the terms of the retainer agreement/contract. I explained this to the NFCU supervisor but I don't think she understood the situation. I told her that I would be sending a formal Fair Credit Billing Act letter. I mailed the letter to the " Billing Inquiries '' address through the United States Postal Service on XX/XX/2019. After more than 30 days had passed without NFCU confirming receipt of the letter, I sent NFCU a secure message through their website on XX/XX/2019. As of XX/XX/2019, they have not replied to my secure message, nor have them confirmed receipt of my Fair Credit Billing Act letter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2019-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/19 on a Saturday afternoon. I went on a mission to buy a bed frame but when I realized I wasn't given what I wanted I returned it the same day. The lady who was there told me no she wouldn't do it because her card machine was broken but was so quick to take my money. So I called my bank to dispute it after I looked online on how to do it. I read over what my options were and put it as a dispute of fraud. My bank said that is my fault if I can't get a hold of the store owner. I have written a letter t the store because there are limited options to get a hold of the owner. I feel as no one is taking me seriously because I am an adult. Even my own bank won't help but instead sending letters back to back saying I must pay this now. When I WENT SPOKE TO SOMEONE FOR ADVICE JUST FOR NAVY FEDERAL TO SAY NO WE CAN'T DO ANYTHING FOR YOU.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2019-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had a charged off account ending in XXXX in XX/XX/XXXX. I went to the XXXX Tx branch in XX/XX/XXXX to open a minor account but was told I could not until {$300.00} was paid from my charged off account. I made the payment and opened my new account. On XX/XX/XXXX I went into the The XXXX branch to open another minor account which the representative XXXX told me that I owed XXXX. He then did further investigation and stated there was an alert that the balance was paid in full but there wasn't any notes. After consulting with his assistant branch manager they opened one checking and three minor accounts. I made a deposit of {$320.00} in account ending XXXX. Later that day {$300.00} was taken from my account. I went to the branch XX/XX/XXXX and the branch called the back office where we spoke with XX/XX/XXXX, which was very rude and continue to talk over me. XX/XX/XXXX stated it was a error on my end and there wasn't anything she could do. I asked for a supervisor XX/XX/XXXXstated the supervisor wasn't available and they was going to tell me the same thing she told me. I did not authorized this transaction nor was I advised it was being taken. I haven't gotten anywhere with this
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75075
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Navy Federal Credit Union XXXX XXXX and XXXX XXXX cancelled my settlement, which was to occur on XX/XX/2018, on XX/XX/2018. This was because of an allegation that I was unable to satisy a statement of deposit of funds in my XXXX Account. We worked together for 2 hours with XXXX and Ms. XXXX joint on phone trying to get something acceptable to their underwriters but the settlement was cancelled arbitrarily at XXXX shortly after the documentation was given saying was inadequate time for the underwriters to clear it. ( their work hours was until XXXX according to Ms. XXXX. I was sent the " temporary '' closing disclosures at XXXX on XX/XX/2018 and esigned it immediately. My wife was not sent the document so we assumed it wasn't needed. The new settlement date was set XXXX. on XX/XX/2018 we were sent a " Mortgage Production '' message at XXXX, I signed in at XXXX, my wife was sent a letter to call XXXX XXXX to ok the closing disclosure. My wife called and XXXX returned the call at XXXX. XXXX was asked if she had seen the statement " Closing Disclosure '' and did she agree with it or have any questions and my wife answered no. Three business days from this notification on XX/XX/2018 would be the XXXX of XXXX. Settlement was allowed to occur on the XXXX of XXXX. This was a violation of the Truth-in ' -Lending Act. My observation is the following : When the documentation was " almost late '' a decision was made to cancel the real estate transaction because the law required a 3 day notice. This caused us much stress and change of plans and money as we had to cancel several appointment which we had applied a deposit. This XX/XX/18 settlement date had been in place for over a month. When NFCU employees make a mistake of not including my wife in the sign off of the closing disclosure and its consumer protections, it was ok to break the law and let the settlement stand so that they would not be embarrassed. Don't believe the law was intended to be one way, to discriminate against buyers whenever something occurs but " bend '' the rules when it works the other way. Thank you for listening to my complaint. I desire no monetary damages from NFCU but would expect a letter of apololgy and a violation of the Truth in Lending Act. XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a auto loan with Navy Federal credit union. There is a late payment for XX/XX/XXXX. I never recieve a bill statement for the month of XX/XX/XXXX, nor the month of XX/XX/XXXX. this is the reason I didnt know it was due. According the Fair Credit Billing Act, if I do not recieve a monthly statement for the bill. I am not responsible for the payment for that month. therefore I can not recieve a 30 day late payment. I take my credit History very seriously. I also have no late payments on my credit report.I always pays my bills on time. the only reason It was not paid was I didnt recieve a bill. therefore, according to the fair credit billing act. I need that late payment remove from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75217
Submitted Via: Web
Date Sent: 2019-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am a XXXX veteran that maintains limited account usage with Navy Federal Credit Union. I keep funds from my XXXX payments in my Navy Federal account. During some hard times 4 years ago I had a small credit card become past do with them. Last week Navy Federal wiped out my account of all my Federally protected funds to cover the credit card. These funds are Federally protected and are absolutely untouchable. However, that didn't stop Navy Federal from robbing me blind. On XX/XX/2019 they removed my last {$200.00}. They say they are here for the military community but then treat us like garbage when we need the help the most. I shudder to think of all the XXXX veterans who depend on their XXXX payments, are robbed by Navy Federal, and end up homeless and starving as a result. I contacted Navy Federal the same day and was told too bad so sad. Ok, not those words but the result is the same.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92021
Submitted Via: Web
Date Sent: 2019-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A