Date Received: 2019-01-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I co-signed for a mortgage loan through Navy Federal Credit Union in XXXX of XXXX. My parents have occupied the home. I have never lived there. In XXXX of XXXX I and my husband filed for Chapter XXXX bankruptcy. My lawyer had me sign an affidavit to remove my name off of the mortgage with Navy Federal Credit Union. It was granted by the court in Bankruptcy Court of XXXX Al. My mother continued to make payments ( which were 20-25 days late at time though ) but the Navy Federal Credit Union told her that no payments would be applied until my bankruptcy was XXXX. My mother missed the XXXX payment and my bankruptcy XXXX on XX/XX/XXXX. Since she has made several payments as of XX/XX/XXXX ( I believe {$1500.00} total, but the cost went over {$2500.00} in late fees per Navy Federal Mortgage department. They started sending threatening letter after letter to me ( which I'm by law no longer on the mortgage ) my husband XXXX XXXX XXXX ( who filed for bankruptcy jointly with me, but was NEVER on said mortgage and NEVER had any involvement with it, letters were sent to our home address which is in no relation to a loan or any form with Navy Federal. They have been sending threatening letters to my father XXXX XXXX XXXX who is also NOT and never has been on the mortgage. I have all of the letters but I need to know who my mother ( official person on the loan ) myself ( removed from the loan ) and my husband XXXX XXXX XXXX ( never affiliated on this loan ) need to contact? Navy Federal Credit Union told my mother today ( when she made yet another payment ) they can contact my husband over the life of the loan because he is my spouse and I am on the loan ( which I am not and haven't been since XX/XX/XXXX ). I have all letters from Navy Federal Credit Union and payment confirmations. XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2019-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have uploaded the FTC Identity theft affidavit, the police report, the utility bill and drivers license, copies of my social security card, and every other ridiculous document XXXX and XXXX have requested. Every time I upload something they tell me they need something else. In my previous dispute with CFPB, XXXX stated that they need the Identity theft affidavit from the FTC, and THAT is what they didn't remove the items. Yet that has been mailed, uploaded, and faxed to them at a minimum 3 times. This is getting absurd. My credit is extremely hurt due to identity theft, and I have taken EVERY step to rectify it only to have XXXX be the ONLY reporting agency to refuse to remove ANY of the necessary fraud items. XXXX had removed a few but keeps putting them BACK on my report. XXXX removed all these items, and is the only agency to do so. This is not right that these credit reporting agencies can do whatever they want with no accountability.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Navy Federal Cr Un debt collector didn't verify collection. No contract. No signature
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2019-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My wife got paid on XX/XX/2019. On XX/XX/2019 I was checking my bank account to see if the funds were available to buy my medication and food. After checking, I saw that {$610.00} was taken from the account without my permission, so I called Navy Federal to see why. Navy Federal told me that because I was 35 days late on my Navy Federal credit card they withdrew all the money from my account. I tried to explain to them that was all the money I had to to buy food and medication for my XXXX kids until I receive my VA XXXX pay on XX/XX/2019. Navy Federal told me they would only try and submit a partial return of {$300.00} if I agree to some type of promise and set up auto pay for my auto loan. My auto loan was due on XX/XX/2019 in the amount of I think {$310.00}. I have 6 months left before my auto loan is paid in full. As of today, XX/XX/2019 I'm 1 day late. Navy Federal told me because I was 1 day late, my auto loan was now in collection. As of XXXX XX/XX/2019 I only have a refund of {$300.00} back to my account. I have a wife and XXXX kids that I have to buy food, gas and other things. Talking to Navy Federal was useless. Navy Federal basically was forcing me to set up auto pay before they even think about issuing me a refund and said, if it went through they would only refund partial payment and iam out of luck.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2019-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I filed a police report and an FTC report to show that I was a victim of identity theft but navy federal credit refuses to look into this matter and they keep reporting Negative information to the credit bureaus
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AK
Zip: 99508
Submitted Via: Web
Date Sent: 2019-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My online account was compromised, Navy federal credit union gave me a call to warn me of compromise and the fraud that was placed on the account I sent in documents to verify I was b XXXX for XXXX XXXX : XXXX XXXX with XXXX, XXXX, XXXX and XXXX XXXX. I also sent in the statement of forgery to eliviate the problem they stated they never received it. The account is negative XXXX and i dont have access to any money. my VA check is XXXX and they have to mail paper checks because of the issues with the account, I have not been paid in 3 months the VA 's system will take 2-3 weeks for each check to be printed and mailed I am late on bills, and childcare because of this. the bank will not approve me for a loan because of the negative balance and they're stating i have to pay to be eligible for anything. This has caused a repossession and late bills and the bank is not doing anything whatsoever to resolve the matter I've banked with Navy Federal for 5 years and they have lost a customer. Claims were for XXXX, XXXX, XXXX, and XXXX on XX/XX/XXXX. The compromise department called to inform me of the hacking and locked my account completely, i went to withdrawal funds and the withdrawal was declined. the funds that were put into the account and reversed back out no money was used besides the OOPS overdraft coverage. The only claim I filed was for XXXX the bank representative was on the phone with me and XXXX on a 3-way call and XXXX verified they did not receive the payment after 1 month and 13 days they issued the credit and took it back. this has created a bind and financial issues for myself and my family.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2019-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Some use my credit cards without my permission and made charges. I agreed to pay what I charge and the company agreed to remove all negative information for my credit report.But after paying the accounts. The company didnt keep its agreement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2019-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/2018 I was scammed using XXXX. I used XXXX because I thought it was safe. It was apart of my Navy Federal CU app. I tried to get tickets for my son and I for a basketball game. I paid the alleged ticket holder {$260.00} for two tickets and never received anything. Right after the transfer I was immediately blocked from calling the scammer. I called my CU they then told me to file a claim, and come into the CU to get a new card. I did, only to find out a week later that my claim was denied and I was out of XXXX dollars. The CU said nothing could be done and not to use XXXX. Yet its offered on their mobile app. ( WOW ) Im a single mom who tried to get her son tickets to a game for his birthday. I was a victim of scam.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77086
Submitted Via: Web
Date Sent: 2019-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Navy Federal Credit Union refuses to accept the fact that my wife closed her account with them 40 years ago. This is despite the fact that there is no account balance either debit or credit, and there has been NO ACTIVITY on the account for +/- 40 years. When my wife recently responded to one their advertisements and tried to create an account, they insisted on using the 40 year old account, and would not use her current legal name. It seems that NFCU refuses to understand that a woman may get married and change her last name. Because of this refusal to use current information that my wife cancelled the account creation process, and has tried several times to get them to quit reporting that She/We have non-existent accounts with them. I never opened any account with them, and they keep reporting that I do have a a credit card account with them. They refuse to talk to me and keep insisting that they can only speak to my wife because the 40 year old totally inactive closed account was in her name, despite being told by her that they can talk to me and THEY ARE REPORTING THAT I HAVE A CREDIT CARD ACCOUNT. If I " have an account with them, I should be able to talk to them about their reporting to the credit bureaus in a manner that affects my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I paid the amount of {$890.00} to XXXX XXXX regarding a student loan debt for my mother XXXX XXXX XXXX they advised that once I paid the money of {$890.00} her loan she would not owe a dime any more and the loan would be a XXXX balance. This was not the case a year after she signed the paperwork and I paid the amount of {$890.00} which the paperwork they said showed but the student loan XXXX XXXX advised this was fraud and that my mother still owed the debt. They also advised that every year she would need to recertify which XXXX XXXX never told me when they were getting my money. I am requesting a refund based on FRAUD false misleading documents received XXXX took money from me on false pretense and sent paperwork FRAUDULENT DOCUMENTS to the consumer. I advised Navy Federal Credit Union of the FRAUD immediately and ask for a refund to be credited back to my debit card. As of today 's date after filing this with Navy Federal on XX/XX/XXXX I have not received a refund for the FRAUDULENT TRANSACTION. This company is sending out FRAUD DOCUMENTS making the consumer believe they are debt free from the debt when they are not. Acting on behalf of the Federal Government in order to receive money that they are not entitled too.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2019-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A