Date Received: 2017-11-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XXXX XXXX a family member discovered that the home located at XXXX XXXX in XXXX, NC was not longer there. Through research I discovered that the city demolished the resident, but I was never notified. However Navy Federal Credit union was notified and never informed me. A employee at Navy Federal signed the return receipt and provided it back to the city, because I was never notified and did n't know problems existed, the property was demolished. The home was demolished at the beginning of 2017. After discovering this has taken place I spoke to the city inspector and after he looked further into the case that 's when I found out that Navy Federal was made aware and I was provided with a tracking number for the letter that was mailed to them. After discovering this I contacted XXXX XXXX and Navy Federal and told him everything that I have stated and I was told that I still owe the unpaid balance for the property even though it no longer exist and Navy Federal knew the property was going to be demolished and never told me. I also spoke to XXXX a supervisor and I was told the something. Additional information : Navy Federal charged this loan off, but is still showing that I own the property and states that I 'm still responsible for the unpaid loan balance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX,2017 Navy Federal Credit Union Transferred {$710.00} from my savings account to my home improvement loan with out my permission and refused to put it back even after I told them the money was for personal things given to me by my lawyer to live on until about the XXXX of XXXX when my settlement comes in and I intend to pay off my loans in full.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have a car loan with Navy Federal and honestly forgot to reach out to the bank after my loan was approved. Navy Federal advised me that I stated that I would go to the branch to pick up the loan after listening to the calls. Navy Federal let the loan sit at the bank for over 3 weeks and did not contact me about the loan. They stated that it is not their policy to reach out to consumers on their loans. It seems a very bad business practice to just not contact a consumer about a loan. Life happens and sometimes a consumer can forget. I am very upset that the blame is all on me and that Navy Federal considers this a normal business practice.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Out of the blue, Navy Federal Credit Union locked me out of my own accounts on XXXX XXXX, a week ago. There were problems with their XXXX, a Branch Teller and most recently, a company notifying me that duplicate payments that were deposited were sent in error. I have provided detailed information. They are claiming a {$1900.00} checking account overdraft. I should be able to view this account activity, but am unable. One of my loans is secured by my XXXX XXXX. I am a 17 year member and fail to see any harm in allowing me to view my accounts. ALL contact is by me calling them or generic email by their " Security '' dept.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been a member of navy federal for over 20 years and when a filed a fraud claim on my checking account last month, navy federal blocked my online access to ALL my accounts without even notifying me. I ca n't pay my bills because I ca n't transfer money online. When I complained repeatedly on social media I was just told to call and then my complaints were IGNORED. Completely unacceptable!! When I did call, I was victimized again by some woman with horrible English who said my checking account had to be closed and a new one opened. I 've had the same checking account number the entire time I 've been a member and I have it memorized. If the account needed to be closed and another one reopened why was n't that already done when I filed the fraud claim??? The rest of my accounts should NOT be blocked online though. I have no idea what 's happened to navy federal 's customer service but it 's definitely gotten a lot worse in the last several years. I 'm still waiting for the {$110.00} to be returned that they stole from me when I filed another fraud claim on my credit card in XX/XX/2016. Navy federal seems to be on the side of the identity thieves and not their longtime members. They have my money held hostage and I need access given back to me online IMMEDIATELY so I can pay my bills. I 'm seriously considering closing all my accounts and taking my business to another bank where my business will be valued. Clearly customer service, member loyalty and service to the country mean absolutely nothing to navy federal and they should not be responsible for other people 's money. I 'm tired of being IGNORED and having my money stolen from the institution that is supposed to be protecting it!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22153
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-11
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I purchased a used XXXX XXXX XXXX XXXX Boat on XXXX XXXX, XXXX, with a loan from Navy Federal Credit Union for the amount of {$42000.00}. I was told over the phone when doing the loan application by the representatives multiple times and by people in the branch that this was going to be a straight amortized loan over 15 year with a fixed rate of interest. I made the first three payments on time no problem then I decided to prepay the 4th payment. After that my account informed me that there was no payment due for almost 60 days. I have attached paperwork that shows all of this. When I went to check the balance of the loan it had gone up to {$42000.00}. The last payment was made on XXXX/XXXX/XXXX and no further payment was due until XXXX/XXXX/XXXX which was the date Navy Federal told me to make the payment. Over {$1600.00} has been paid on the loan but only {$15.00} has gone to principle. When I realized this I couldnt believe it, I was literally getting XXXX and was beside myself. Based on their numbers there should have been a principle reduction of {$570.00}. This is not the case and at this point the loan appears to have grown because now there is more interest to pay down.. What I was told was this loan has a per diem interest of around {$9.00}, and if you prepay the loan the bank holds the money for the interest anyway so basically it can not be prepaid. Also they told me that if I wanted to Prepay that I had to do it right after the monthly payment was made. This was never disclosed to me and sounds like extortion with a prepayment penalty in disguise. This appears to be predatory lending practices, nowhere is it mentioned or was this mentioned to me. Navy Federal told me not to make a payment but went ahead and still charged me interest of around {$9.00} per day for almost 60 days. I found this out after I checked the balance of the loan. I called them and spoke to many different people because no one knew what they were talking about and kept telling me that this was a fixed straight amortized loan for 15 years. Finally someone told me that the loan was a " Consumer loan '' whatever that means, it was my first time hearing about that type of loan. Also no one at the branch in XXXX XXXX XXXX XXXX told me about that when I signed loan docs and picked up the check. The first time I heard about this was on XXXX/XXXX/XXXX. I called back on XXXX/XXXX/XXXX and spoke with a XXXX or supervisor after being stonewalled by everyone else I had talked to and again no one really knew what were saying or what they were talking about either. After explaining everything to the XXXX again about how no one had informed me about any of these terms she said she was So sorry and would talk to the her employees. Is this an admission of guilt? Just like that oh sorry we didnt tell you about the loan and were had been charging you interest daily.. Because when I asked her if there was anything that could be done she said Oh no, Im sorry but nothing can be done so again no help from anyone and being stonewalled again, she started to get a little snippy and get an attitude with me when I started to press her on these questions about the loan because she couldnt answer or give me a straight answers and many of her answers were Ums, sorry and silence. Talking with the bank has gotten me no where and is a waste of time, this is why Im turning to you for help because believe me if I had known about this I would have never picked up the checks and would have immediately canceled the loan. This is really ridiculous and is not stated in the note, which again is attached. The name Navy Federal Credit Union really fooled me, I thought they would be helping out people from the armed services but are really taking advantage of these people because many of them lack the proper knowledge about lending. I personally know military people who have these types of loans who are really being taken advantage of. This needs to stop right now.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2017-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have received multiple voice messages from Navy Federal Credit Union ( NFCU ) on my work phone line, presumably regarding a debt owed by someone who was previously assigned my number but no longer working at my company. I called NFCU twice, once on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX and explained my situation to their customer service representative. I gave them my phone number and requested it be removed from their system. This is a direct line used by no-one other than myself, and I am not, nor have I ever been, a NFCU customer. The first time the representative said my number was associated with multiple accounts, and he was unable to remove the number unless I was able to provide a name associated with one of those accounts. I have no idea who those people are, and he was unable to further help me with the situation. When I called the second time, the second representative was unable to find my number in their system and told me to wait until I was called again. My number : XXXX Incoming phone number as listed on caller ID : XXXX Call-back phone number in NFCU voicemail : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21403
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is an accoun from this NAVY FEDERAL that only take military affiliated individuals. I have not nor do i intend on joining the service. I have made several attempt to have them Verify the debt in which they are not able to but still reporting. I have no knowledge of this account nor bank brand. They sent the cards to a address in XXXX TX and still holding me liable I want them to remove this from my report its {$7200.00} reported as closed and is mentally draining me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card ending in XXXX - was fraudulently used overseas to withdraw funds on 5 different occasions. Totally more than {$2400.00}. I filed a dispute with Navy Federal and the same day my claim was denied because they found no error due to my account activity? I believe my debit card was skimmed when I attempted to withdraw funds when I was in XXXX XXXX but the machine could not read my card and spat out my debit card. Now I am out more than XXXX $
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Im a veteran of the united states XXXX and when i departed from the XXXX I left $ in the credit union. I had 2 accounts. I thought maybe it would draw interest. Well when i tried to access it no info found I even had a loan through them and they got me in trouble I lost my SECURITY clearance and was sent to detention. Extra duty they took my money 4 45days and took all i had. This was navy federal credit union. Then in XX/XX/XXXX or XX/XX/XXXX I opened another account to access my old account they took my taxes and cancelled the account access and closed my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A