Date Received: 2018-05-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XX/XX/2014 I received an unsecured loan from Navy federal. I was currently XXXX XXXX XXXX at the time. Due to the XXXX interfering with my pay ( i.e collecting money that wasnt owed, missing paychecks ) I had trouble paying the loan off. It became a charge off but it is definitely PAID off now.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96786
Submitted Via: Web
Date Sent: 2018-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-03
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On or about XX/XX/XXXX, My concern is Loan & card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX through XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, POOR condition, as if overnight. Lacked Consideration refinancing current Loan and card credit line increase to provide for balance transfers to slow down the rate of pay-down. This would be achieved by reducing the minimum payment ratio from 10 % of the balance outstanding to 5 % for example or by offering payment holidays. The rate increased and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. Loan and Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. This behavior deprived me of ability to meet Hardships & Emergency financial needs during Family crisis at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek & qualify for Credit card Debt relief and/or Chapter XXXX Bankruptcy methods. Have been a long time customer in good standing since approximately year XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2018-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
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: On XX/XX/XXXX I contacted Navy Federal Credit Union to file a dispute on a transaction that was preauthorized on XX/XX/XXXX and cleared my account on XX/XX/XXXX in the amount of {$1500.00} to XXXX XXXX XXXX. On XX/XX/XXXX my claim was denied and was advised a letter would be sent out within 3 business days of decision. I contacted Navy Federal on XX/XX/XXXX and spoke with XXXX who I requested to speak with a Supervisor regarding the decision. I spoke with XXXX who stated that she was the supervisor. I inquired about the decision that was made and requested documentation of investigation outcome. I was advised that Navy Federal DOES NOT provide this information to their customers. After reviewing the User Agreement 606 it states that I may ask for copies of documents used in the investigation process. The resolve XXXX stated was that she would submit an appeal of the case and that I would have to provide additional documents to support the claim which I am in the process of doing. I reached out a second time and requested the fraud department and spoke with XXXX who advised me that typically they have to have all documents as per the XXXX agreement they have. I probed for additional information regarding documentation and XXXX advised that he does not have access to that information and that he would forward my request. I think spoke with XXXX who is a Supervisor in the Contact Center who advised me that because I am the owner of the vehicle that I would not be able to dispute the claim. In my original claim I advised that I had not received any documentation from the dealer to legally register my vehicle in the state of AZ which would require a title and registration. XXXX stated that since the vehicle was not purchased in full that it was not the responsibility of the party to provide title. I attempted to explain again that I have recently moved to another state and in order to legally drive a vehicle with said lien against that I would need the proper documents to register vehicle and drive legally. I also advised that XXXX XXXX XXXX stated that they were picking up the vehicle since the contract was not executed correctly. XXXX ignored all requests to provide any additional documentation during the dispute process and advised me that " If I continue talking to her like an XXXX that they will be unwilling to assist me in this process ''. After these comments were made I requested to speak with a Supervisor in the Fraud/Dispute department. I was then transferred to XXXX who stated that he was the Supervisor in the Resolution Department. XXXX was unhelpful in explaining why I was unable to receive documents that were requested although it is outlined in their User Agreement. XXXX implied that I'm complaining because I'm not getting what I want and refused to transfer me to the correct department that handles request and disconnected the call. I have advised Navy Federal Credit Union that I would provide documentation to support my claim as the response I received from them just states that " A dealership is not obligated to provide title unless paid in full '' and if contract is canceled that I would have to provide documentation outlined in said contract to process accordingly. At this point I believe that I have been discriminated against due to the status of my checking account currently. My checking account is in the negative and as of XX/XX/XXXX I received a call from the Collections department regarding my checking account. The dispute process states that it can take up to 45/90 days to resolve however my case was denied in less than two business days and I have not been provided the proper documentation regarding the investigation process. I attempted to reach out to XXXX directly which then transferred me right back to Navy Federal Credit Union. I have been a member since XX/XX/XXXX and have not had any issues with merchants with exception of one that inevitably was resolved in my favor.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85210
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I admitted to debt for value received, then presented offer to settle or cure any debt with Navy Federal Credit Union by providing a legally binding Promissory Note with Orders via notary presentment to discharge any debt. I also demanded proof that Navy Federal Credit Union ( or any of its affiliated agents, parent companies, proxies, etc. ) actually suffered a loss ( Full copy of the actual accounting ), that Navy Federal Credit Union provide proof that they had filed my action with the Internal Revenue Service, and provide me with a cash recoupment receipt as an offset in accounting for my records to include lien free title to property. Over the past two months I have been harassed by repeated phone calls and letters attempting to get me to enter into a Adhesion Contract. A tow truck came to repossess the vehicle. Affidavit of Facts I, purchased a vehicle from a XXXX dealer on XX/XX/XXXX - Representatives of NAVY FEDERAL CREDIT UNION provide loan to purchase the car in the amount of XXXX XXXX on XX/XX/XXXX and I contacted same to obtain a signed copy of the original contract and other related documents on XX/XX/XXXX which were not sent. XX/XX/XXXX, I requested a fully certified disclosure of contract containing my original wet ink signature and sign by a living person representing their organization. XX/XX/XXXX I received by regular mail from XXXX d/b/a Manager, Consumer Loan Processing of NAVY FEDERAL CREDIT UNION a letter requesting my signature on a updated Corrected/Duplicate contract. XX/XX/XXXX, I sent XXXX. d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION the letter and contract back with a letter stating the unsigned contract was unacceptable ( Non Acceptance of a Bi-lateral contact ), rescinding of my signature on all loan documents including previous loan and another request for full disclosure of loan contract. XX/XX/XXXX, I sent XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION a letter of instruction and, according to HJR 192, provided legal tender to discharge debt ( Exhibit F ) On XX/XX/XXXX, the notary, sent a letter, certified mail to XXXX XXXX XXXX. d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION the initial Cover Letter of Acceptance and Notice of Non-Response to correct any and all account records since their organization kept the settlement document. XX/XX/XXXX, the notary, sent a letter, certified mail to XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION a second presentment of Cover Letter of Acceptance and Notice of Non-Response to correct any and all account records since their organization kept the settlement document. XX/XX/XXXX, the notary, sent by certified mail to XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION a third presentment Declaration by Affidavit to state his non-response to any previous letters or notices. XX/XX/XXXX a tow truck attempted to take the vehicle from my premises without any contact from XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION in an attempt to make a adhesion contract later that day. XX/XX/XXXX Collection Department d/b/a NAVY FEDERAL CREDIT UNION sent a letter stating NAVY FEDERAL for the above referenced account has been terminated due to non-compliance with agreed upon terms. All payments received have been applied to the existing balance but collection activities on this account will continue until you re-establish arrangements to resolve your account XX/XX/XXXX XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION was sent a No Contact Contract reiterating the note, requests and letters previously sent. XX/XX/XXXX I filed a Civil Action against XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: ( 1 ) Filed for Modification for Mortgage Loan with Navy Federal Credit Union on XX/XX/XXXX ; ( 2 ) Contacted Navy Federal Credit Union about Modification. Faxed additional documents ; ( 3 ) XX/XX/XXXX faxed letter to Navy Federal Credit Union regarding status. No Response. ( 4 ) XX/XX/XXXX faxed letter to Navy Federal Credit Union regarding status and requested written response. No Response. ( 5 ) Telephoned Navy Federal Credit Union and was advised that a Representative would contact me regarding Modification. No Contact. ( 6 ) Faxed letter on XX/XX/XXXX to Navy Federal Credit Union regarding Modification Package. No Response.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39401
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navy Federal Credit Union continuous to report account to XXXX with wrong account numbers also account was included in BK still showing balance owed and past dues.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2018-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In late XX/XX/XXXX I had my wife removed as an authorized user from my Navy Federal credit products. Navy Federal is still reporting that account with late payments from XX/XX/XXXX to my wife 's credit. No response has been received from Navy Federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2018-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
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: On XX/XX/XXXX, I used two different credit cards at check out to pay for my room and the room for the Fire Captain assigned to escort my husband 's body back to the U.S. When I checked online banking records on XX/XX/XXXX, I discovered that the XXXX XXXX XXXX had used card XXXX for both rooms while also using the correct second card XXXX for the Captain 's room. I filed an online dispute with Navy Federal on XX/XX/XXXX. After providing NFCU with multiple proofs of the duplicate charge ( the separate folio payment records from the hotel ), NFCU sent me a letter dated XX/XX/XXXX that advised they found no error and they were recharging the account. Included with the letter was proof that the second card ending in XXXX had indeed been charged for the second room. Despite this, NFCU posted a THIRD charge to card XXXX. I have attached a screenshot of all transactions concerning the XXXX XXXX on card XXXX showing the three room charges for transactions on XX/XX/XXXX ( check-out from the two rooms ) with two posted on XX/XX/XXXX and one posted on XX/XX/XXXX. ( Please disregard the smaller charge of XXXX. This was for drycleaning. ) Therefore, Navy Federal refuses to acknowledge that they have now facilitated/honored FOUR charges to the XXXX XXXX for the two room charges on XX/XX/XXXX : three on card XXXX and one on card XXXX. By the hotel 's own legal VAT invoices ( attached ) for these overnight stays, only two charges are legitimate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36532
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Subject : Request For Refinancing of House mortgage with Navy Federal Credit Union ( NFCU ) Application number XXXX for VA limit of {$450000.00} Loan official : XXXX XXXX XXXX ext XXXX Florida XX/XX/XXXX I applied to refinance my VA Loan with Navy Federal Credit Union ( NFCU ) at 3.85 % no points. NFCU denied my loan request based on insufficient. income and excessive Obligations. MY credit score is XXXX and have over {$900000.00} in XXXX and Federal Thrift Saving Plan ( TSP ) stocks, bonds, and mutual funds and TSP. Also XXXX XXXX of .999 pure gold in safe deposit box. Of the $ XXXX I have approx. $ 6000/every mo automatically withdrawn from XXXX every month to NFCU and XXXX XXXX XXXX XXXX XXXX ( XXXX ). In addition, I also have SS, XXXX XXXX pension, XXXX XXXX XXXX and $ XXXX/mo. VA XXXX for XXXX war. totaling XXXX/yr I sent them Tax returns, all documentation required. $ XXXX +XXXX = XXXX Income that should be counted towards obligations Plus I still have the XXXX in my assets. XXXX XXXX 's Supervisor advised me she will not even explain to me what standards they use to determine who they loan money. Just to resubmit a loan application at a much high interest rate 4.25 % vs 3.8 % when I applied. Supervisor also said they may have made a mistake but could not disclose. I suspect they made an error because when I spoke with XXXX XXXX 's Supervisor, she told me she will not disclose anything about the evaluation process to me, what standards they use. Example : she said she don't know the guidelines and I am not allowed to talk to the underwriter to ask any questions So I have no choice but to get you involved. I asked her Is 30 % the standard for loans? 40 % for total debt? She refused to even discuss anything about the process and my time for appeal has expired ( I had a death in the family and had to go to Tenn. to take care of matters ) she passed away suddenly. 3 pack a day smoker ) she said there is no extensions or waiver for a loved ones death. Original 100 % loan amount $ XXXX XX/XX/XXXX ( VA appraisal was {$410.00} XXXX ) Real estate agent said in XX/XX/XXXX MINIMUM sale price should be XXXX and a fair market value of XXXX is very realistic Many upgrades completed such as new real hardwood floors, new carpet, new paint, landscaping, and much much more so make XXXX should be no problem There are many data points indicating 1-Does n't sound like they know what they are doing, not fully competent for their job. 2- They are discriminating against me because I am XXXX yrs old, 3- just trying to increase my interest rate. It appears maybe 4- Maybe they didn't count my XXXX yr automatic withdrawals for my retirement and non-retirement accounts Again she would not even explain that. Almost like she was hiding something I have documented enough money in accounts everywhere totaling $ XXXX. 5- When I asked how is it I was approved for in XX/XX/XXXX for XXXX but not XXXX with upgrades? Again the supervisor refused to even discuss this. 6- The only obligations I have is my house payment and car loan $ XXXX I owe about XXXX and retail value is about XXXX. XXXX XXXX XXXX Best contact is XXXX XXXX at XXXX ext XXXX he is suppose to be the loan official
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Reference Complaint No. XXXX ( Navy Federal Credit Union ) Navy Federal Credit Union sent me an amortization schedule for my loan which was not my request. As there is a $ 1,999+ balance on my loan although all the scheduled payments have been made and the loan has matured, I requested the following information : 1 ) The " late charge '' total represented in the remaining balance 2 ) The total amount of interested represented in the remaining balance 3 ) Whether NFCU has charged me interest on their late charges 4 ) Whether NFCU has reported the late charges ( their profit ) to the credit bureaus as late payments I think I have a right to get this information and the amortization schedule they sent does not list items 1-3. XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A