Date Received: 2019-03-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: tRIED TO REFINANCE WITH CASH OUT WITH NAVY FEDERAL CREDIT UNION HAD TO JOIN TO APPPLY ( NO PROBLEM ) WENT THROUGH LOT OF CALLING ECT. FINALLY NAVY FEDERAL WANTED XXXX FOR APPRASIL FEE SO I GAVE THEM MY CREDIT CARD I BELIEVE IT WAS THE NEXT DAY CALLED AND TOLD THEM TO CANCELL I DECIDED I DIDNT WANT TO PAY THAT MUCH FOR A LOAN I WANTED TO GET OUT OF BEBT NOT INTO MORE DEBT AND TOLD THEM TO CANCELL THE XXXX FOR THE APPRASEL FEE. THEY TOOK IT OUT ANYWAY AND THEY SAID THEY WOULD SEND IT IN FOR A REFUND SENT SEVERAL EMAILS BUT NO ONE AT NAVY FEDERAL WILL RETURN MY EMAIL OR EXPLAIN WHEN ILL GET THE REFUND AS IAM PAYING INTEREST DAILY ON THE XXXX AND WOULD LIKE IT REFUNDED ASAP.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 629XX
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This is regarding my son 's Share Savings account. It was opened in XX/XX/XXXX by my now ex-husband. Note : Ex husband is NOT my sons biological father nor did he or does he have ANY legal custody or rights to my son. When my now ex was incarcerated in XX/XX/XXXX I filed for divorce. It was finalized in XX/XX/XXXX. Since then I have been trying to change my sons account to make me custodian over this account. I have spoke to Navy Federal local branch member XX/XX/XXXX, who told me there is no way I can change the account. I called NFCU on XX/XX/XXXX. Rep told me to send documentation and written letter to membership department requesting change due to recent unavoidable changes ( incarceration/divorce ) and request account change. Was told to include items such as my sons birth certificate showing my ex is NOT my sons father, as well as my first marriage ( sons father ) divorce and custody order and my current divorce decree showing my ex is in fact incarcerated. I was assured with this information my request would be approved. ESPECIALLY since my ex is NOT my sons father, NOT have any legal rights to him and was nothing more than the " XXXX XXXX account holder '' at NFCU and was the one who had to open the account. I submitted request on that date. On XX/XX/XXXX I received a response back on XX/XX/XXXX stating my request was denied. XXXX XXXX Account Holder/Custodian : XXXX XXXX XX/XX/XXXX XXXX XXXX Dependant : XXXX XXXX XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2019-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-28
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: I have a loan with NAVY FEDERAL CU. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and NAVY FEDERAL CU was no successful resolution. NAVY FEDERAL CU was reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2018 2018
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2019-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-28
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: I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FCU with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018 2018
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-28
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: Navy Federal Credit union advertises New or Used Auto Loans as low as 2.99 % on their website : https : //www.navyfederal.org/loans-cards/auto-loans. At the bottom of the page, theres a disclaimer section thats linked to the 2.99 % rate that states Credit and collateral subject to approval. Rates subject to change and are based on creditworthiness, so your rate may differ. New Vehicles : Year models XXXX, XXXX and XXXX with 7,499 miles or less. Minimum loan amount is {$30000.00} for terms of 85 to 96 months. Payment example : New auto loan of {$20000.00} for 36 months at 2.99 % APR will have a monthly payment of {$580.00}. Used Vehicles : XXXX and older model years or any model year with over 30,000 miles. Late Model Used Vehicles : Year models XXXX, XXXX and XXXX with 7,500 to 30,000 miles. When calling them this afternoon to refinance my vehicle, I was informed that the lowest rate for a Used Vehicle is 4.99 %, regardless of the term of the loan. I inquired about the 2.99 % rate and was told that the rate was for new cars only. After explaining that any reasonable person would receive the same impression that rates can be 2.99 % for used vehicles, a representative from Navy Federal seemed to agree that the 2.99 % wording could potentially be confusing, especially concerning the use of or and that theyd submit feedback to get this cleared up. This is deceptive. Because NFCU implies 2.99 % is available for new or used cars, they should be honoring this and have an option to get a vehicle financed at 2.99 %. Because they dont actually have this option, action needs to be taken. My concern is that Navy Federals rates are confusing and that they will not honor this advertised rate. This concern stems from a call I placed last year when I originally bought my car - during that call, I was told Id be able to refinance my car at a significantly better rate assuming my credit situation had improved. As of today, my credit situation has drastically improved and I should be eligible for a better rate, significantly lower than my current rate of 5.59 %. Given that Navy Federal has admitted that the lowest for a used vehicle is 4.99 %, Im concerned Navy Federal has likely executed numerous refinancing loans to people who thought 4.99 % was based on their credit - not because of the lowest refinancing rate available. Im also concerned that if I applied today, Navy Federal would not honor the mistake and would attempt to offer 4.99 % or 5.69 % ( based on term ) as the lowest possible rate, especially given they expressed this over the phone. I have put in an ask for Navy Federal to update their literature if its incorrect, and fairly honor the 2.99 % rate in a refinancing application. Its important to note that I was dissuaded from applying today after being told that their website was incorrect and that the rates and marketed materials were not correct for used vehicles.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2019-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am writing to request assistance in an unresolved matter with the Navy Federal Credit Union ( NFCU ), XXXX. XXXX XXXX, XXXX, VA XXXX regarding a fraudulent transaction. On XX/XX/2019, the enclosed check was deposited in my sons account in the amount of {$900.00}. NFCU was notified us that the check was deposited via mobile app ; my son does not do online banking, let alone mobile, and he reported the transactions as fraud. During this transaction, {$900.00} deposited and {$200.00} was withdrawn on the account which in turn the account was overdrawn and my checking account was debited {$210.00} for insufficient funds in that savings account. I do not believe that a thorough investigation could be completed in 1 day and it appears that NFCU automatically believe that my son made the fraudulent transaction. In reviewing the enclosed check ; his account number, nor is that his handwriting ( signature ) does not appear on the check, only the bank routing number, a phone number with an area code ( XXXX ), his phone number is a ( XXXX ) area code. Ive also tried to locate the persons to whom the check belongs to. I opened this account when he was a child, making me a custodial account holder ; when my son reached legal age, he was the primary owner, I never signed any documents to be a joint owner, in which NFCU claimed that I was a joint owner on the account. If I was a joint owner, there has been several occasions when I made inquiries into the savings account, but was told I was not the owner, and need primary owners permission, but Im being held responsible for fraudulent transaction on this account. I am asking for your assistance in getting a resolution in this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2019-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: I sold my home on XX/XX/2019, The check to XXXX XXXX for the balance of my mortgage was fraudulently deposited into NFCU despite the check being made out to XXXX XXXX. Currently, XXXX XXXX is trying to collect the Mortgage from me as they still have me listed as the Home Owner and it is now affecting my credit report. I have a copy of the check proving this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Navy Federal on XX/XX/XXXX Took XXXX from my checking account for a credit card that they had claimed a loss on in XX/XX/XXXX and are telling me that it's part of their practice and i have to go to the bank to get a copy of the signed agreement for the credit card. I called them and they were not helpful and kept talking about the credit card that was in collections and how i signed a document stating that they can just take the money out of my account without my approval or knowledge.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2019-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX navy Federal was taking money out of my account to pay my primary mortgage they did this many times which left me with no money to pay my others property. I went to loss mitigation for help I filled all paperwork and had to Leave town my father hat stage XXXX XXXX I checked to see if they had everything before I left and was told they did. My renters told me the got foreclosure paperwork Im like what Im in loss mitigation i get back home calling no one will talk to me waiting for a supervisor to never called. I was told they stopped because paperwork was missing I say I was told you had everything but the didnt have my health insurance proff of payment. Well they had one year bank statements from all my accounts so they did have it and the paperwork said I had 60 days to get all info in so a rep brought this to there attention and I had to resend everything and I did now they are telling no because the property was empty well the had my lease on file cause I had to send it in as part of my paperwork. Now in XX/XX/XXXX and then Im told they dont need insurance paperwork and dont know why I was asked to send it in and XXXX told me she was the one handling this and she called the bank and they called me to ask if someone live there and I said no. This never happened why would I say no when you have my lease and she read it to me. XXXX XXXX the supervisor told me they dont call about the property they have a team thats goes out to the property. I told her since yo record all calls tell me who called and when. Still waiting to hear. Been calling since XX/XX/XXXX and get nothing but answer machines all ways in meetings when I call left many messages with the loan department to nothing. I had to file for bankruptcy to save my property it was going good until navy fed did not send my {$1700.00} cashiers check that I order so my Bankruptcy was dismisse in XX/XX/XXXX I ordered it XX/XX/XXXX. Now the had not got a payment for XX/XX/XXXXand XX/XX/XXXX I refile loss mitigation in XX/XX/XXXX Had to give the app again in XX/XX/XXXX and then again in XX/XX/XXXX XX/XX/XXXX I got a letter stating they could not help me because my hardship letter did not meet the criteria Don Know why I said i was recently divorced and had no job. Then i was told my {$1000.00} and I had {$180.00}. Retirement Was not enough but I also had {$5000.00} between my account which I guess was not taken into consideration I called and asked why on the app they asked how much money on had and in the bank and was told to be taken into consideration however it wasnt Then they said the property was empty I told they over the phone and in writing that I was living there because my house was destroyed by XXXX. My house went into foreclosure in XX/XX/XXXXwhy was i not told in XX/XX/XXXX when I started the loss mitigation I couldve paid the two months back rent and been fine I did not find out until XX/XX/XXXX I spoke the there attorney And was told all info went to the property because by law thats the way they do it i was sent something in XX/XX/XXXX but didnt get I got what they sent in XX/XX/XXXX. I got a letter dated XX/XX/XXXX on XX/XX/XXXX telling all the reasons I was decline And I could stop the foreclosure if I pay back payments by XX/XX/XXXX well my property was sold at XXXX XX/XX/XXXX how could I have paid by XX/XX/XXXX if I got the letter on XX/XX/XXXX. The the letter said I had until XX/XX/XXXX to appeal and I did to this day no one has responded and when I called i was told what are you appealing you property was sold on XX/XX/XXXX. Well I know that but they told me I could appeal so I did. I believe they wanted to sell my property since XX/XX/XXXX and my Bank Repsie stop them and not sending my check to the trustee put a stop to that so now they can try again and denying all my good paperwork telling me it did not meet standards and it taking 9 days for me to get the letter stopped any changes of me getting my property. Now with my primary park with the same games remember I said i was told if the payment was not made they would take it out of the account well my x stopped making payments and I did not know no one told me but I had the money in the bank my father died and his Insurace money was in the back about 15,000 But they never took anything nor did they make me aware he was not making payments I found out when I got a letter in XX/XX/XXXX telling me how far we were behind. I called asking why no one told me and I was told they did not have my info. Im like what do you mean you did not have my info you mailed this to me. They have in my file that they did not contact me. Now they want to foreclose. This is another game navy fed is playing by law they are to tell me everything that is going on with the mortgage both are names are on it and if you dont have my info thats there fault but they did they sent that letter. I spoke to them lawyer about the rental property and was told the could have changed or pulled the sell date since I was in lost mitigation and still done foreclosure and she was writing them about the timing of the letter again they were going to sell my property thats why things were done the way they were. I spoke to many attorneys And was told this is a common practice. Well im not going to let them get away with it my lawyer now says they will do what they can do and what they cant do they will find someone that can They went against their own rules to sell my property tell me I need health insurance information which I did not telling the property was empty twice and they had Proof both times in writing that it was not saying not enough money when its there bank they can see how much money is in my accounts and my bank statements we faxed to them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I checked my credit and saw the Navy federal balance of {$580.00} that's reporting negative from a credit building card to help me since i'm a young student. I would like to pay the balance and reopen the account. I was facing student hardship and was in between jobs. I am young and trying to be a responsible spender but its hard when you have limited job skills because college doesn't teach you skills to get a job you a job during and/or after ; it keeps you unemployed more often than not. In trying to better myself by attending college while i was barely making do, I had to miss meals as well to make sure my light bill and rent was paid, resulting in being delinquent on my credit card. However, I have since gotten a new job with better pay. I want to right my wrongs, and i would like Navy Federal to reconsider and understand. Im sure everyone who is in a deciding position remembers being the hungry student in college trying to make do with your PT job and financial aide. If i don't take care of this now, it will affect me negatively for years and i won't be able to get a job within my major, which was Finance. You can not have bad credit when trying to work in a banking environment. Im also currently enrolled to get my XXXX XXXX XXXX so that i can advance into XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A