Date Received: 2018-05-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a notification that someone had checked my credit report. When i logged into XXXX, I saw that Navy Federal Bank pulled my credit report without my permission. When I phoned them to ask why, they said they routinely check to see if customers are eligible for additional account services. I did not give them permission to run my credit at all.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Submitted paperwork to navy federal credit union of my military status of the SCRA, which caps intrest rates at 6 %. Navy federal has had over a year to fix my accounts which at one time became deliquent due to navy federal restricting access to my account, restristed online access to make payments for payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2018-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have set up payments for an auto loan with Nfcu, in the amount of {$500.00} each month. I cancelled the reoccurring payment in order to make an earlier payment, this was on XX/XX/XXXX. Since XX/XX/XXXX Nfcu continues to debit my account for {$500.00} any chance they get and no one can explain why its happening. It is causing me to become over drawn, checks bouncing, over draft fees and my finances are in a scramble right now. Every time I see the debit for {$500.00} I call and they some way or another reverse it but they literally just shift money around through all my accounts to make it work. This is very frustrating, and it is debilitating having to deal with this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2018-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-30
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Also refer to pending CFPB Complaint # XXXX. After the death of my spouse in XX/XX/XXXX, I discovered that Navy Federal had blocked me from any access to mortgage information. Their justification was that since the initial mortgage processor, XXXX XXXX, deleted my name from the account because it was my husband 's VA guaranty certification that was being used ( not mine. ) I continued to research the issue, including determining that a previous VA-related mortgage with Navy Federal under the same circumstances maintained my status as a co-borrower. I recently located the loan documents for the current loan that Navy Federal personnel have blocked me from and which Navy Federal has refused to include in my credit report for on-time payments since XX/XX/XXXX. The certified/recorded loan documents, including the loan, Deed in Trust and VA addendum all contain my initials, my typed name and my signature in addition to my signature as attorney-in-fact for my husband. Navy Federal personnel for four months have refused to acknowledge or repair the damage from their failure to process or service the mortgage documents properly, including credit reporting on my file and providing online and all other access to the current mortgage. Over these months, not one of fourteen online and branch employees-including the 'Survivor Relations Counselor ' could be bothered to even research the documents that clearly illustrated Navy Federal 's error. It was easier for all personnel, especially mortgage supervisors, to threaten and pressure me to apply for a new mortgage instead of the VA-directed correction of a surviving spouse assumption. There is no excuse for such systemic, corporate-approved deliberate negligence and misfeasance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/2012 I was made the POA for my elderly father. My father had credit cards with XXXX and Navy Federal Credit Union. I contacted them and provided them with copies of the POA documentation and asked that I be added to his accounts in the capacity of POA since he was no longer able to pay his bills and make decisions. I had complete signing and decision making for all of his affairs. In essence I was basically him. I was unaware that prior to coming to live with me my father had taken out a student loan in California that he defaulted on and they began to garnish his pension. As a result he was unable to continue to make payments on his credit cards because they were taking a considerable amount to repay the federal student loan. So XXXX and Navy Federal decided to add me as a joint owner and on after me and my assets for repayment. I was never a joint owner I never signed to be a joint owner or gave my permission. The cards are now charged off and they have added these to my credit profile. I have tried to dispute through the credit bureaus and I am unable to get these removed. They are preventing me from purchasing a house and I have tried to resolve with no success. I need assistance in getting them to remove items that should have never been placed on my credit profile. Can you please assist me with this. I have included a copy of the POA. I also found the email from them acknowledging the POA and they also made us fill out their form and get it notarized
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2018-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Good morning, Im contacting you to assist me with obtaining a lower interest rate, Im a member of Navy Federal for 4 years now, I have been a loyal and consistent customer, However, I really feel discriminated against on the rates I receive, I obtained a Mortgage XX/XX/2017, my score at the time was a high XXXX low XXXX, rates were great at that time, however, I received a 4.875 rate, which is insane, I recently applied for auto loan, was offered 14 percent apr, got 6.8 from XXXX XXXX, applied for auto refi, offered 10,69 rate, last, I have a credit card with out standing balance, in 3 years never late, they will not offer me a lower rate, my current score is XXXX, whats bad about that score? Nothing, they realize that Im trying to maintain my credit for future home refi and there just being very unprofessional with the feel of discrimination and it herts, because I work hard to do right by them and my credit standings
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2018-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Navy Federal made a serious error that they submitted to XXXX XXXX my name social security number, with my zip code, and phone number. This makes my identify compromised for identify theft. This is of huge concern as I have already experienced such a situation and it cost me money time, and impacted my credit in a negative manner. I had to deal with attorneys and to this date I have attorneys that I dealt with that tried to collect money from me that was not mine. I still have an address that I never lived at and it took me a long time to get corrected. This is all being done by Navy Federal Credit Union. They want to make this my problem to monitor and manage this event though this was 100 % their fault and has a chance that the black web or anyone else could harm me.
Company Response: Company believes complaint is the result of an isolated error
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/2018 Navy Federal applied an adjustment subtracting {$780.00} from my checking account without my approval or communications. This account is used to receive my VA XXXX XXXX XXXX funds that are deposited every month. I called after realizing this deduction at XXXXXXXX XXXX EST and was told that even though it was done internally, they refused to correct the issue.
Company Response: Company believes complaint is the result of an isolated error
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Navy Federal Credit Union has employees stealing thousands of my money everytime I spend it. They are making banking errors denying my claims and then reversing the denial and stealing the money. XXXX XXXX XXXX ( XXXX and XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) and and XXXX refunded me money and they keep trying to keep the money and not credit it back on top of trying to take money by fraudulently claiming false fees when I am not making credit but debit purchases. They also stole money from me when I reported my credit card information was stolen while in jail and while at the airport. They denied my claims and plan on keeping the money after closing my account. They cooperated with corrupt police officers in XXXX/XXXX area and fraternized with them and stole money from my account trying to change the status of my case. On top of all of this they did not report all of my transactions on the documents given to me. They intercepted my calls as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2018-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am providing by request from navy federal. On the XX/XX/XXXX the transactions that need to be addressed. I did this in XX/XX/XXXX XX/XX/XXXX and 2 times this year. I cant see credits from navy federal anywhere on here. The only deposits made to bring account positive were my deposits. They paid Bill 's when I asked them not too. And they tried each bill 2xs with fees and no refunds. By doing this they made a horrible situation worse. And took account to XXXX dollars. There were no credits for the fraud or checking account checks due to them. My mom XXXX XXXX XXXX was a joint owner on this account. I have provided death certificate twice. This fraud attacked her and I. Since she was a joint owner this account should have been taken to XXXX balance and taken off all reports. Please look at uploaded material and notes I've made for you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A