Date Received: 2018-07-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This Navy Federal account # XXXX or account # XXXX has been paid-in-full. Navy Federal was contacted directly on XX/XX/XXXX and again on XX/XX/XXXX. It is not " Derogatory '' or in a " Payment Plan ''. It should be listed as " closed ''.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Dear Sir or Madam, We have a conventional thirty year fixed mortgage loan with Navy Federal Credit Union that closed approximately two years ago. We recently received a New Mortgage payment notice letter from Navy Federal stating that our monthly payment is going up thirteen percent effective immediately. This is the second mortgage increase that we received in last than two years. Our original payment we started out including taxes and escrow was {$2400.00} per month. And it has ballooned to over {$3100.00} per month on a thirty year conventional loan. In less than two years our monthly payment has risen a whooping thirty percent. This is predatory lending at its worse. This has placed a tremendous financial hardship on us, which places us in risk of making the new payment. Our closing documents stated that our payments should not increase more than the original monthly payment. We feel at a minimum this is a violation of Truth in Lending Act and RESPA and unethical mortgage practices that Navy Federal has exercised. When we were in the process of closing the loan the Navy Federal Loan broker XXXX XXXX stated that after the loan closes we are eligible for a one time no obligation interest rate modification if the rates drop since our interest rate was higher than the market at the time. The rates did drop and we contacted Navy Federal customer services numerous times to get a mortgage rate modification and the Customer Service department stated that we could not get the rate interest modification we were misled. The broker mislead us to sale the loan. Doing the closing process XXXX reiterated that we would have the rate modification option, since our rate was significantly higher that market rates. Overall this is a huge monthly increase of thirty percent since the close of the loan, in less than two years. This has placed a huge financial hardship and burden on us We need your assistance to bring our payment manageable and bring Navy Federal into regulatory compliance from numerous and egregious predatory lending practices on this loan. Thanks for your attention in this matter. Sincerely, XXXX XXXX and XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92596
Submitted Via: Web
Date Sent: 2018-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Three years ago we began receiving debt collection phone calls to our new landline, XXXX. We finally learned, about a year ago, from repeat caller ( s ) debt was ( is ) owed by XXXX XXXX or XXXX ( unsure of spelling ) to Navy Federal Credit Union ( NFCU ). I am a long-time NFCU member in good standing. I contacted NFCU customer service XXXX and XXXX XXXX XXXX CEO of NFCU via corporate email requesting the debt collection harassment cease. I was told by customer service, XXXX XXXX had read my email, the debt collection attempts were made 'in house ' and that they would stop. We receive two calls a day from XXXX for XXXX XXXX or ( XXXX ). My spouse has repeatedly explained they have the wrong number. I have stated I would file complaints against the caller. The Debt Collector 's caller refuses to name the company they represent or provide any information supporting the legitimacy of their claim. On XX/XX/2018 I, again contacted XXXX XXXX XXXX CEO of NFCU using my email account. I, again contacted NFCU Customer Service. I answered the Debt Collector 's call and demanded details for his call including the name of the company he was representing. He stated he would not divulge any information and that 'we ' dialed the wrong number and would remove our number from his list. We've heard all this before ; as in over the past three years! I want the name of that debt collection company. I want monetary compensation for my time, aggravation and continued harassment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2018-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
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: There is a purchase on my credit card where I never received any merchandise. There is a tracking that shows it was left at my door, allegedly. XXXX $ + worth of merchandise left at the door? Doesn't sound real to me. I would like Navy Federal DISPUTES team to look into this. Not the useless " Fraud '' team. XX/XX/2018 XX/XX/2018 XXXX XXXX CA XXXX - {$2100.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
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 was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Greetings, on XX/XX/XXXX I filed a fraud claim with my banking institution in regards to my phone and credit cards stolen and they have responded that my claim is not fraud, now mind you I file the incident on the XXXX of XXXX and they responded to me back on the XXXX of XXXX without even contacting me to find out if I am ok or to find out what really happened to me as a customer. I had XXXX on the XXXX. of XXXX and I've been under XXXX XXXX to help alleviate my suffering. I will attached all documents and dates so you can see that I have been in and out of the hospital and also, I caa n't even XXXX because I have been diagnosed with XXXX XXXXXXXX XXXX of the XXXX and it is in both ( XXXX ), now, I can't move the only place I have gone is only the hospital for XXXX, removing XXXX, more XXXX and tests and so on. Navy Federal is so unjust, I filed also another claim for {$42.00} for a store purchase that sold a damage item and I return it back to the store the following day and I made sure to call Navy Federal the same time and instead of them fighting for me they are putting through pain like I am the crook, they don't fight for us military and our families, they are only interested in making money from us and that is all that is important to them. How can you say you are here to serve the XXXX XXXX and yet you are the one that is allowing for others to mistreat us and take our hard working benefits. I have my direct deposits going to Navy Federal every months and it is above XXXX dollars where they are benefiting from interest from evereyone 's benefits and earnings. So Navy Federal be fair and just and don't treat us like the criminals, I know you have a lot of power you're a big company but it is not the reason to step on the little people. I don't need to make any stories I am an honest individual which is why I am attaching all the documents.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Navy Federal Credit Union never gave me money I reported stolen. They waited til I closed the account to issue me the letter but never gave me the money. They are stealing the money I reported stolen. I attached a photo of the notice dated XX/XX/2018. I reported over 500.00 stolen and they stole it. Recently they sent this letter that XXXX was refund or credited back AFTER I closed the account and did not receive any checks.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a loan with NAVY FEDERAL CR UNION. 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 ( Bureau ) and NAVY FEDERAL CR UNION with no successful resolution. ( Bureau ) was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have already contacted Navy Federal Bank several times via secured message as well as phone calls on throughout the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Sometimes numerous of times trying to get this resolve. I have several inquiries on my accounts within days apart or within one week apart. Some stem from one auto loan request that the representative claiming my credit would not be ran or impacted because it is all within one month. And these were simply appeals and they other ones were not authorized by me at all. I have inquiries that were not authorized for XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Navy Federal must report accurate information. My credit report is reporting that my XXXX and XXXX payment is 30 behind and as of today is XX/XX/2018 Im. It 30 days late. Navy Federal needs a better system to repos accurate delinquency. I reported to Navy federal that I have a medical emergency and I cant afford my payments. I need their assistance to reduce these Payments. I mailed in my XXXX payment to see if the company would get that faster but it still didnt report. I am so grateful for getting a credit card with this company but they arent reporting accurate information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2018-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A