Date Received: 2018-09-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: When I left the service I struggled finding employment. I found a job at the XXXX XXXX XXXX and started in XXXX. During the duration of the time I was unemployed I fell behind on two payments of my mortgage along with other bills. I called Navy Federal and asked if I could move my two missed payments to the end of my mortgage and they said no. I told them I had just started working and I was struggling to keep up. They said that I have X amount of money coming in so I shouldn't be struggling. I went to pull the dates and amounts of everything but Navy Federal Restricted my access to that information. In XXXX I submitted a payment around the XXXX. On the XX/XX/XXXX they took another payment. I called and told them I am expecting money from my work do to OJT that the VA will pay me. So once I get that I will get caught up and could they please give me my money that they took back. They said in order for me to get the money back I have to give them a date I will pay by or they won't give me my money back. I said the end of XXXX and they said thats too late. So I said the XXXX. The girl also told me that they will not reserve any future payments that they take. Fast forward to today. Navy federal took XXXX out of my account leaving me with exactly {$27.00}. I called and asked them to refund the money and that I had submitted a hardship package prior to this. They said that the hardship package is just an application and doesn't mean anything, They also said they are no reversing the money. I then asked for a loan to get me through the two weeks and they denied that. How can a bank leave a family of XXXX with XXXX dollars for two weeks? Especially because I have been trying to work with them. They are making getting back on my feet a nightmare.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01020
Submitted Via: Web
Date Sent: 2018-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have Received my credit report showing multiple inquiries from Navy Federal.I was not aware that my account will be hit multiple times. It is affecting my credit tremendously when applying for loans or credit cards. I in a process of purchasing a home and with the multiple inquiries is not good a look for my credit. The Credit Inquiries are inaccurate, misleading, or incomplete, & may have violated federal law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2018-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2018 I received an email containing a username and password to access a loan document exchange portal with my bank. At the time, I used a family member 's WiFi to login into my account. 3-4 hours later when I came home and tried to login to the portal my password and security questions were changed. I then contacted my bank to have them reset the password. On XX/XX/2018 I received an email about an attempt to login to my email.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2018-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX I was contacted via email by a scammer who presented himself as an employee of XXXX XXXX XXXX. He received my resume from XXXX and wanted me to work as his assistant and accounts receivable manager. Once hired I received my first payment on XX/XX/XXXX and I deposited the funds. They were on hold for 2 days and once navy federal cleared them I went to the branch. At the branch before my withdrawal I asked the teller please make sure the funds have cleared all the way on the other banks end ( XXXX XXXX XXXX ). She came back after 30-40 mins and stated the check was good and cleared with the bank. I withdraw the funds and head over to XXXX XXXX to deposit the funds into a XXXX XXXX account. I thought I was paying for my training and equipment.. 2 days later I'm slapped with a {$3400.00} balance from this bad check I was told was good. Navy federal refuses to provide me with a HOLD HARMLESS to settle the balance although I have a police report number and complaints with the FBI, XXXX XXXX, etc. I have provided them with the police number etc. They should be protecting me. I'm a victim. I contacted the XXXX XXXX ( XXXX ) and they said their is a open investigation in the company because this guy is moving around the United States scamming people. He's been in XXXX, XXXX etc. NAVY FEDERAL needs to help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2018-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-18
Issue: Getting the loan
Subissue:
Consumer Complaint: On XX/XX/XXXX, I received an email regarding assistance for NFCU customers affected by Hurricane Florence. I visited the website and read the ad. Since we lost everything in the Hurricane, I called. We have insurance but we don't know how long it will take to get funds. For the time being we are staying with family and hotel rooms. The rep takes me through the loan process and then asks which account to deposit the money into. Next she informs me of the interest rate and monthly payment. I began to very hopeful. Next she tells me I am denied due to my credit. Why would they take someone through that process who is already distraught. Their ad seemed to be a humanitarian effort. However, it is a marketing ploy for monetary gains. Making money on someone else 's misery. Humanitarians are those who get down in the trenches and help. They rebuild the community by starting with people who were affected by the tragedy. Because they know that without the community their business will fail. So they build the community up not only for monetary gains but so that they can say we were there in that moment not just for our customers but for the community.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28546
Submitted Via: Web
Date Sent: 2018-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: RE-OPEN PREVIOUS CASES added to CFPB member account. The Navy Federal Credit Union stated : " that your ( my ) savings account is NOT protected from garnishments '' The Navy Federal Credit Union also stated : " that ONLY your ( me ) veterans compensation in your ( my ) checking account is protected from garnishments '' However, according to federal law 31 CFR 212.3, member 's bank " account '' means an " account, '' including a " master account '' or " sub account, '' at a financial institution and to which an electronic payment may be directly routed. As a result, the Navy Federal Credit Union fraudulently allowed a third party garnish my federally protected veterans benefits compensation of {$65000.00}. References : Title 38, Section 5301 ( 1 ) ( a ) Veterans Benefits and 31 CFR 212.3, Definitions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I've contact the company regarding the late payment that was incorrectly reported and the update was supposed to be taken care to remove late fee status to current, but hasn't been resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2018-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a cash deposit at a XXXX XXXX XXXX XXXX and navy federal refuses to release funds. This is theft and their should not be a five business day hold on cash deposits. When I inquired I was told it was because of XXXX holdings of the funds and of course XXXX states it is navy federals policy. Basically they are blaming each other and their is no way to reverse the transaction so, now I just have to wait. I know nothing will come from this complaint but it makes me feel better.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2018-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im the victim of identity theft. I purchased a credit card with Navy Federal Credit Union in XX/XX/2015 and made on time payments through XX/XX/XXXX. In XX/XX/XXXX my wallet was stolen at the XXXX XXXX bus terminal where my valuable items were inside ( Social, debit card, credit card, ID ). I was on my way to an interview when this happened.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent a letter on XX/XX/18 requesting Navy Federal Credit Union to validate charge off of {$8600.00} and of another amount of {$5700.00} with similar situation. Never received a letter in regards to validation. A copy of the letter is attached.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2018-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A