Date Received: 2018-03-27
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: XX/XX/2016 I missed a payments. I had moved due to job relocation out of state. I contacted XXXX XXXX XXXX XX/XX/XXXX and has yet to receive an email conformation back in regards to my situation. I have been a loyal customer for 9 years and never had any issues with Navy Fed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My Credit report is stating that I have 2 vehicle auto loans when I only have one auto loan for XXXX per month with a 2012 XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30224
Submitted Via: Web
Date Sent: 2018-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, I have a NFCU credit card ending in XXXX and said company has reported to all three credit bureaus 7 ( 30-Day ) late marks. However became very ill wasn't able to work. I accumulated very high medical bills and was unable to maintain internet access to view my accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32258
Submitted Via: Web
Date Sent: 2018-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Also I wanted to supply all information they have been given numerous times about my checking being used fraudulently. If this would have been taken care of like they say. They fight for you on identity theft accounts. I feel their lack of help and making bill pays on a closed account shows how much they don't care. It is being cleared up with every fraudulant account accept navy federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2018-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2018, Navy Federal Credit Union pulled my Credit without my knowledge of it going against my credit as an affect against my score. I didnt know opening a account would affect my credit
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2018-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-25
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I notified Navy federal in earlyXX/XX/XXXXthat I was a victim of Identity theft. First starting with my sister filing taxes under my name and social to get a refund. I had an ftc and police report done then. I next was a victim of 2 data breaches one inXX/XX/XXXX and the XXXX breach in XXXX. When I notified them immediately that there was a problem with my account, they started an investigation, and sent me a letter telling me my card was closed and what I needed to provide. Which I did and this was about 2 years ago. They still didn't fix my account. The second time I marked every transaction that wasn't mine, for their review still nothing.. I stayed on top of this. I spoke to many people from customer service to fraud. I was not paying a balance I didn't owe. My account was closed in XX/XX/XXXX. But they still kept paying ebills, and charging more fees, When an account is closed nothing more should be happening with it. They made that mistake. They need to bring the account current, get it out of collections. and take it off of my credit report. It was due to the fraud the account was out of control and they wouldn't do anything to stop it, except make it worse. I am attaching all cases and their results. Every answer they have provided has not even sounded like they have tried to do anything, I will take this to the attorney general a second time. and the ftc again, they just allow Navy Federal to get away with this and it isn't fair, When it says they take this kind of thing seriously, I have no idea who they mean, because they are even willing to take money from their own soldiers which the CFPB did get them for. So it is obvious they don't care about their customers, just putting is in dept and leaving us there.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2018-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-25
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/XXXX via the credit unions website I applied and received and acknowledgment as to receipt of my application for checking & savings account. a few minutes later I received a notification that my account services had been opened. I would receive my welcome package in 7-10 days. I was also told that my debit visa card was unable to be processed for the initial deposit. I reached out to my other bank and there was sufficient funds and not issue with the card itself. I called navy f.c.u. to have the card processed again to be told that my account was now under review without any further explanation. On XX/XX/XXXX I called to follow up regarding the status of my account and after 20-30 minutes of being told let me check the status of your application, to let me speak to the review department, to let me speak with the back office, team membership specialist : XXXX XXXX I was now being told that I had to submit via fax a copy of my government issued identification along with a current bill showing the mailing address. A financial institution that isn't honest a forthcoming with the truth as to why they are selectively discriminating against the opening of my account. What algorithm of database are they using which probably contains false, erroneous information to justify discriminating against individuals. I asked the customer service rep. I spoke to that I wanted there request be sent to me in writing and they said they would not do that which makes me SUSPICIOUS of the tactics of NAVY FEDERAL CREDIT UNION!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2018-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I HAD A CREDIT CARD THAT I USED WITH NAVY FEDERAL CREDIT UNION. ALWAYS PAID ON TIME UNTIL I LOST MY JOB AND HAD TO HOLD OFF ON PAYING SOME BILLS IN ORDER TO SUPPORT MY FAMILY. THIS CREDIT CARD BEING ONE OF THEM. ONCE I GOT A JOB AND STARTED PAYING BILLS AGAIN AND GOT BACK TO THIS ACCOUNT, I CALLED IN TO NAVY FEDERAL CREDIT UNION TO PAY OFF THE REMAINING BALANCE ON THE CARD WHICH AT THAT POINT WAS 30+ DAYS LATE. SO THEY TOOK MY NEW BANK ACCOUNT INFORMATION TO PROCESS PAYMENT AND PROVIDED ME WITH AN EMAIL CONTAINING CONFIRMATION OF PAYMENT AND NEW REMAINING BALANCE OF {$0.00}. ALL THAT WAS DONE ON THURSDAY XX/XX/XXXX. A FEW DAYS LATER THEY STILL REPORTED THE PAYMENT NOW 60 DAYS LATE. I CONTACTED THEM AND SAID THAT THEY RECEIVED THE PAYMENT INFORMATION FROM ME ON THAT THURSDAY XX/XX/XXXX BUT THAT DUE TO THE PROCESSING TIMES THEY HAVE AND WEEKEND AHEAD THAT THEY DID NOT RECEIVE THE FUNDS UNTIL THE FOLLOWING TUESDAY THATS THE REASON WHY IT STILL SHOWED LATE. I DID SPEAK WITH A REPRESENTATIVE AND SAID THAT THEY WILL APPROVE TO REMOVE THAT LATE PAYMENT NOTICE BUT THAT IT WILL TAKE ME CALLING THE BUREAUS AND HAVE THEM CONTACT NAVY FEDERAL DIRECTLY. TODAY IS FRIDAY XX/XX/XXXX AND STILL NOTHING HAS BEEN RESOLVED.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2018-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Navy Federal Credit Union is who complaint is against. XXXX ( loan officer ) I was denied mortgage lending by Navy Federal Credit Union based on discriminatory practices. When I challenged Navy Federal about the decision I was told it was due to a collection item on my report for {$120.00} that turned out to be an error. I had been approved by 2 other banks using same credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35124
Submitted Via: Web
Date Sent: 2018-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX is a retail store that uses XXXX to process its credit cards. All of the money from sales that are made by credit cards in XXXX XXXX 's store are received by XXXX who transfers it to XXXX XXXX who is then to deposit them into XXXX XXXX 's bank account. Beginning on XX/XX/XXXX XXXX began to deposit XXXX XXXX 's funds into four different bank accounts. Can did not authenticate the four different bank change forms that XXXX received nor did they authenticate that the new accounts were owned by XXXX XXXX.The first bank account involved was XXXX XXXX routing number XXXX account # XXXX The deposits made to XXXX XXXX are XX/XX/XXXX {$8700.00} ; XX/XX/XXXX {$7300.00} ; XX/XX/XXXX $ {$7000.00}. The second account was Navy Federal Credit Union routing # XXXX account # XXXX The deposits in this account are XX/XX/XXXX {$10000.00} ; XX/XX/XXXX {$36000.00} ; XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$25000.00} ; XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$17000.00}. The third account was XXXX XXXX routing # XXXX account # XXXX The deposits this XXXX are on XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$21000.00} ; XXXX {$8000.00} ; XX/XX/XXXX {$9200.00} ; XX/XX/XXXX {$8600.00}. The fourth bank is XXXX XXXX XXXX XXXX routing # XXXX account # XXXX. The amounts are XX/XX/XXXX {$7900.00} ; XX/XX/XXXX {$7000.00} ; XX/XX/XXXX {$21000.00}. ; XX/XX/XXXX {$10000.00}. ; XX/XX/XXXX {$8800.00} ; XX/XX/XXXX {$7000.00} ; XX/XX/XXXX {$7100.00} ; XX/XX/XXXX {$8400.00} ; XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$12000.00}. XXXX XXXX sent letters of indemnification to all the banks except XXXX XXXX to request the return of XXXX XXXX funds. XXXX returned approximately {$59000.00}. and approximately {$75000.00}. was returned by either XXXX XXXX or XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2018-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A