Date Received: 2017-10-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Navy Federal Credit Union ( NFCU ) claims that I, the sole owner of real property in XXXX California, gave XXXX XXXX XXXX, aka XXXX XXXX and XXXX XXXX XXXX. an interest in my property. NFCU presented a Title signed by me in XX/XX/XXXXplacing XXXX XXXX on title. NFCU failed to inform me of my rights as to the loan NFCU held on my real estate property. NFCU lied about the terms of the loan and is now covering up the misdeeds of the Credit Union. NFCU has asserted that the title allows NFCU to provide a loan to XXXX XXXX solely in his name. NFCU acknowledges the real property solely belonged to me, XXXX XXXX. Although, NFCU supposedly has this title with XXXX XXXX 's name, NFCU has refused to show documents that allowed XXXX XXXX sole ownership of the loan, or has refused to show any documents where I, the sole owner of the property authorized XXXX XXXX to be the sole owner of the loan. My name is also on Title. NFCU violated Federal and State lending laws, laws that prevent predatory lending, laws that prevent gender and racial discrimination by refusing to allow me to pay the loan and prevent foreclosure of my home. NFCU denied me, XXXX XXXX, the sole property owner of XXXX XXXX XXXX, XXXX, CA to inform me of my rights and possibly conspired with XXXX XXXX XXXX to carry out an embezzlement scheme. NFCU allowed and/or participated with XXXX XXXX in stealing my property. NFCU along with XXXX XXXX has used this " title '' to foreclose on my property and provides no other document where I have waived my rights to pay the loan or have access to the entire folder of loan documents. NFCU feigns cooperation. NFCU is working with XXXX XXXX to intentionally delay providing loan documents as one of many tools and strategies for this crime to go undetected. NFCU has failed to show documents showing that I, the sole owner of the real property they foreclosed and sold, signed any waiver of my rights to pay the mortgage. Because NFCU repeatedly refuses any and all my requests for documents concerning the loan NFCU issued solely to XXXX XXXX, this is a request for any and all documents signed by me, XXXX XXXX waiving my right to pay the mortgage issued approximately in XXXX or XX/XX/XXXX on the XXXX, California property. Additionally, this is a request for the entire XX/XX/XXXXloan documents file, in addition to any documents that clearly show I waived my rights to pay the loan. I am also on Title. I also ask that any delay or continuance requests by NFCU are denied because they have the loan documents and file readily available and readily accessible. Thank you for your assistance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My credit card with XXXX federal stop me from making payment for return payments. I was a victim of fraud. XXXX was investigated I was unaware they stop all electronic transfers from my account ending in XXXX.my other account were fine. On XX/XX/XXXX - {$200.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$490.00} these were returned. But payment on XX/XX/XXXX {$340.00} was successful I contacted XXXX federal and conference call was made to verify funds. I made payment from my checking in account ending in XXXX. No payment was ever return from this account. Dates clear my bank for payment are XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX$ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX. $ XXXX,XX/XX/XXXX $ XXXX,XX/XX/XXXX{$220.00}. I was ever a new account number for the account the was compromised ending in XXXX. I made a payment of {$200.00} that cleared my bank on XX/XX/XXXX. I made this payment to cover the XX/XX/XXXX payment that did n't go through. I only had 3 payment that have n't clear but due to issues not in my control. Now I have no other way to make payments. I 'm being penalize I had 11 good successive transfer to this credit card versus the 3 returned and 1 of those I made the next day to cover it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2017-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-25
Issue: Vehicle was damaged or destroyed the vehicle
Subissue:
Consumer Complaint: My car was stolen and upon the theft that took place it was totaled, I had just lost my job so I than called Navy Federal Credit Union ( my loaner ) and informed them of the incident that took place, I than asked what my options where and was told about the payment protection plan, I was also informed that navy federal was no longer contracting with this company, I than asked about my Guaranteed Asset Protection insurance ( GAP ) and was told that navy federal has a phone recording of me calling in and cancelling the GAP insurance on XXXX XXXX which I disagreed with, at this point I left the situation alone because I had misplaced my contract which showed that I agreed to GAP insurance. On XXXX XXXX of XXXX I had been shreeding some old papers and came across my contract with navy federal I then called on XXXX XXXX, XXXX around XXXX and spoke with a representative to inform them of the differences in the dates of my susposidly cancellation and the signed contract, I told the representative that I was informed a few months ago that I cancelled my gap insurance which I did n't and that the date of the final signing of the contract was after the cancellation date in question and it would show that I agreed to have the gap insurance in place, so she then looked in to my account and agreed with the findings that the contract was signed after the susposidly cancellation of the gap insurance and said that navy federal would autimately go by the most recent signed contract, she than said that she needed to speak with a supervisor and put me on hold, upon her return to the conversation she infomed me that she had made a mistake and that I signed a letter stating that I cancelled the gap insurance which I did n't I than asked if she could email me this letter and she started to beat around the bush with me I got frustrated and hung up, upon calming myself down I then called navy federal back and spoke with another representative which I informed her what I was told in and earlier conversation, I also informed her that I had recieved XXXX seperate promissary notes and that the second one was sent because I did n't sign and initial the first one which at that point would have made the contract void without my signature so to asume that I agreed or disagreed to anything would be specilation at this point, she than said that the cancellation took place on the XXXX of XXXX of XXXX I than notified her that I did n't initialy sign the contract until after the XXXX of XXXX XXXX reason being I did n't recieve notice of this incomplete document until XXXX XXXX, XXXX which I have the original notice that was sent out, upon telling her the date in which I initially signed the contract and trying to get her to understand the dates of cancellation does n't add up she than asked me if I would not raise my voice which I was n't anyway, at that point I fell as thought she was unwilling to see the truth as it was and asked to speak with a supervisor, upon speaking with the supervisor I then told him what my disagreement was about and he then went on to try and explian to me that navy federal was going by the cancellation letter I than tried to explain in detail that I recieved the initial promissary note but because I did not sign my signature and initial it I recieved a letter in the mail along with a replacement promissary note from navy federal on XXXX XXXX, XXXX stating that I needed to sign and initial to indicate my voluntary selection of the payment protection Plan ( PPP ) and the Guaranteed Asset Protection ( GAP ) and because of this and me continuously stating that I did not cancell the gap insurance navy federal made a mistake, I was then told by the supervisor through out our continued conversation that navy federal does not go by the promissary note and that it ment nothing, I then informed the supervisor that I had no other choice at this point but to seek legal representation. P.S Upon the initial approval of the loan from navy federal I agreed to have Guaranteed Asset Protection ( GAP ) on the 1sXXXX promissary note I recieved I agreed to have GAP and on the initial signing of the replacement promissary note I agreed to have GAP, I never cancelled the Guaranteed Asset Protection ( GAP ) not by phone, mail, email, or in-person
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2017-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Around XXXX 2015 I could n't pay my auto loans and personal loans with Navy Federal due to having to give up my job due to a military move which I had paid for protection for to cover the costs but did not honor. They would call repeatedly threaten to garnish my wages, they blocked me out my checking and savings accounts. I went to cash a check they refused to give me the check back and made me make payments. I told them to pick up the car and they took a very long time to pick up the car. I had to call them about a year later because the car was still parked. After that it still took a few months to pick up. They sold the car which was in good condition for only XXXX when it was worth more than that. Leaving me with an XXXX balance on a 2015 car with no issues.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2017-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: I was told that I would receive compensation for an NFCU credit card account that I settled back in 2014. I contacted NFCU today and was advised by the representative to contact the CFPB in order to get that redressed check sent out to me. I 'm not sure why this was n't resolved in my previous dispute. However, it needs to be corrected ASAP. I received a redressed check for an unsecured personal loan that I settled back in XXXX 2014 for {$5600.00}, but not for the credit card which I should have received a redressed check for as well. I keep getting the run around from NFCU and nothing is being done and I keep getting rerouted back to the CFPB. The only thing I want is the money I paid to be refunded just like the other money was totaling in the amount of {$6300.00}. I 'm not sure why this matter was n't thoroughly investigated as it should have been. I will be contacting the attorney general office in regards to this unresolved issue. I had to call in about the redressed check totaling in the amount of {$5600.00} because they did n't have it in their systems saying I was supposed to receive a check. However, I did because I was supposed to just like I 'm supposed to receive that check for {$6300.00} for the other debt that was settled. I just think everything was overlooked again and should be looked through thoroughly without cutting any corners.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I discovered this derogatory account on my credit report. I have no knowledge of this account and never purchased a vehicle from this institution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2017-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Thursday, XX/XX/XXXX, my Navy Federal Credit Union Checking account, at XXXX CST showed an adjustment for - {$260.00}. No check had shown to be pending or posted. All that was shown was the negative adjustment. The next day, Friday, XX/XX/XXXX, my account showed a deposit made by my employer for {$270.00} before the very same adjustment of - {$260.00}. With the negative {$4.00} charge I had in my checking account the balance equaled {$0.00} on Friday, XX/XX/XXXX. I called Navy Federal to ask why they adjusted my account before the funds were even deposited into my account. After being very curt, dishonest, and rude, they said that the adjustment was n't made until overnight processing, early morning Friday, XX/XX/XXXX. This was not the case as I checked my Navy Federal account on Thursday and saw the adjustment made before overnight processing had begun and before funds were shown as posted. I requested today, Monday, XX/XX/XXXX to have an internal audit with time stamps showing each transaction as well as call logs and notations made to be given to me and they said I would have to subpoena them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32514
Submitted Via: Web
Date Sent: 2017-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-23
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: To whom it may concern, I submitted a complaint to Navy Federal on XXXX/XXXX/XXXX regarding their practice of automatically transferring funds from a joint savings account that I am on with my husband to pay for a Navy Federal credit card that my husband is on individually. I am including a copy of the original complaint with this submission to the CFPB. My concerns are that funds that are jointly owned by me are being taken by Navy Federal when : I am not a joint obligor or authorized user of my husbands credit card ; I am not sure when the credit card account was opened ; I do not have access to payment information ( including due dates, balances, payment arrangements, etc. ) on the credit card and am not aware of any alleged delinquency until the funds have already been taken by Navy Federal ; My husband told me that he has the payments for his credit card scheduled to come out of his Navy Federal checking account and that the payments have been made every month, yet Navy Federal continues to take payments from our joint account ; Since I am not an obligor on the credit card, Navy Federal will not discuss the credit card account with me or allow me to dispute the transfers. I therefore, have no recourse although I have rights to the joint account from which they took funds ; I was not made aware at any time, in account opening disclosures or otherwise, by Navy Federal that funds placed in a joint account can be pledged as security with the consent of only one joint account holder, for repayment of their individual credit ; It is unclear if they have exhausted all efforts to collect from my husband and his individual accounts before pulling the funds from our joint account ; Thus far, Navy Federal has not sufficiently addressed my concerns. Navy Federal responded on XXXX/XXXX/XXXX with the following : " Thank you for using Navy Federal 's eMessaging Service, XXXX XXXX. If the minimum payment is not received by the due date and a payment arrangement has not been communicated to our Collections Department, funds up to the full past due amount can be transferred to cover the amount owed. The funds are transferred in accordance with the Credit Card Application Disclosure statement, in which he pledged security interest in any share or joint account ( excluding IRA accounts ) should the credit card fall past due. Should you require further assistance or have any additional questions, please contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX and weekends from XXXX XXXX to XXXX XXXX, Eastern time. We look forward to hearing from you. '' The above response from Navy Federal indicates that my husband pledged a security interest in our joint account in accordance with the Credit Card Application Disclosure statement, which Navy Federal has not provided me a copy of, because I do not have a credit card with Navy Federal. I do not live in a community property state and did not live in a community property state at the time that I opened an account at Navy Federal, nor does my husband have power of attorney to act on my behalf in pledging assets owned or partially owned by me as security for anything. To date, Navy Federal has not addressed my concerns in phone conversations with representatives or provided an adequate response to my written complaint. Please review my initial complaint. Your assistance is appreciated in resolving this matter. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96786
Submitted Via: Web
Date Sent: 2017-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-21
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: During month of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX members account were transferred to Navy Federal Credit Union XXXX XXXX XXXX. Both XXXX informed us ( members of XXXX ) this is a transfer, informed accounts would be transferred to XXXX. I had loans with XXXX that were transferred : car purchased in XXXX XXXX and personal loan beginning on or about XXXX XXXX, both loan interest stated the same. BUT under XXXX biweekly Car loan {$210.00} ; personal loan {$160.00}. Under account transferred to XXXX car loan {$250.00} and personal loan {$190.00}. I asked why, I was informed that XXXX do not do biweekly payments, they only do monthly payments. Therefore, I could pay biweekly but my amounts will be higher. Well, my monthly under XXXX for car is {$500.00} and personal is {$380.00}. We former XXXX do not understand why, I do not understand why {$160.00} XXXX $ XXXX total ) and {$210.00} XXXX {$420.00} XXXX can increase if the interest stayed the same and the accounts were transferred. All I was informed through written ( and verbal, after I questioned the increase is that the accounts would be transferred XXXX. XXXX explanation is that they do not do biweekly payments. But they merged with and accepted members who signed contracts and accepted loans based upon the loan agreement at/for a certain amount. When I informed XXXX that to me, the name of the company I am paying changed but not the amount of the payments ... similar to a mortgage that is transferred. I was told no, it 's not the same. I am asking for someone to explain how account payments signed and in progress can be increased because the company do n't do biweekly payments. Should n't this have been discussed prior to their merger and transfer of accounts? Should n't we/I have been informed so that I could have tried to find a credit union with similar terms? Most of all, is this legal? Now, XXXX is sending me promissory letters/contracts with their new amounts requesting I sign. I have the amount in savings because I do not want to default on the loans ( the payment is due XXXX XXXX ) ; but I disagree with the $ XXXX that XXXX is asking XXXX to pay. I informed XXXX that I would be filing a complaint with this Agency seeking an investigation into what they are doing to the former members of XXXX. Under XXXX in my loan agreements my final/last payment for car is {$170.00} and personal loan is {$120.00}. Can provide contract loan agreements to your XXXX. It is not just me, there are a lot of us " former XXXX members whose loan payments have now changed since this transfer to XXXX. I really want you to publish my information because every person/consumer need to know and learn what can or might happen with a XXXX XXXX transfer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2017-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Wife & I called XXXX XXXX, ( XXXX XXXX XXXX - XXXX, VA XXXX ( XXXX ) XXXX ), couple of months ago about a hard inquiry, which we of course understand that it was because of accounts we opened through them. however as it should drop our XXXX XXXX " a few points '', mine, through XXXX dropped a whopping XXXX POINTS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39648
Submitted Via: Web
Date Sent: 2017-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A