Date Received: 2017-07-12
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: XXXX sent an incomplete order, with no pants. I immediately called and requested the item or a return label. This was followed up with multiple emails, alm to no avail. I contacted my credit card issuer, Navy Federal Credit Union and sent them the information regarding the dispute. To this day, I have not received a credit, nor has my dispute been settled. I have still been charged for goods that were not what I ordered. Navy Federal Credit Union takes a very long time to respond to each request. Yet when I submitted documents as they request of me, I still do not receive timely response, if at all. I last contacted Navy Federal on X/X/17 and again today. I need my money credited back to me. This has been far too long.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39564
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit reports shows that I am 30+ plus days late on a credit card with Navy Federal Credit Union although this account/card was never activated and was closed because you could not verify my information. This account should n't show on my credit at all.
There is also no way for me to make a payment if my account access has been restricted due to closed account! Also no use is on this card.Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I received a letter on XX/XX/XXXX that my Navy Federal Credit Union payment was late and due. I had not used the card since I opened it, so I logged into my account and noticed that there was a {$49.00} annual fee due that I had forgotten about. I immediately put my checking account information in to resolve the problem and avoid negative information on my credit report. I called Navy Federal to make sure the payment went through. I was assured the payment went through and there were no problems with the transaction. On XX/XX/XXXX, I received another letter stating that my payment was now two payments past due, and I also received notifications from my credit monitoring service that negative information had been added to my credit report. It was very surprising since I was told that the payment had gone through. I checked my bank account and saw that there was no payment removed. I called Navy Federal again and asked why the payment did not go through since my bank account had plenty of money in to cover the payment. They did not know what went wrong, so we went through the motions of making the payment again. I gave them the checking account number, which they confirmed to be the exact number I had given them when I tried to make my original payment. At this point, I called my bank to ask why the payment would n't have gone through, and they stated that the account number I gave was missing a number. I immediately called Navy Federal back to provide the correct number and make the payment for the full {$49.00} annual fee. I have made numerous attempts to resolve this issue with Navy Federal, citing that this was miscommunication of both parties, without resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2017-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-11
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Navy Federal Credit Mortgage ( NFCU ) has been uncooperative from the beginning and is presently stonewalling my many requests for documents NFCU used to wrongfully foreclose on my home. NFCU states that I signed a " security interest '' in my home to my former spouse for him to take out a loan against my sole and separate real estate property, my home. NFCU wrongly foreclosed on my home and has repeatedly refused to provide to me any loan documents on my property as of XXXX 2017. I am a female veteran who NFCU has discriminated against. NFCU has also made misrepresentations that this supposed " security interest '' that NFCU claims I " signed '' exists. I went into the NFCU branch requesting a copy of the " signed security interest '' and NFCU stated " there was never a security interest document ''. NFCU could n't locate the document. NFCU also stated that they retain all documents for members mortgages. I 've asked NFCU repeatedly to put this information in a letter and they repeatedly refuse. It seems NFCU knows they wrongfully foreclosed on my home as well as participated in financial crimes against me with my former spouse, XXXX XXXX XXXX. They 're covering it up by lying to me and making misrepresentations to the CFPB. NFCU has no intention of assisting me nor providing any information on the illegal loan they gave to my former spouse. NFCU is using smoke, screens, and mirrors to assist XXXX XXXX in his mortgage fraud and real estate fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I am a XXXX who has been working with my clients for almost a year and a half. My clients are from XXXX and are retiring here in XXXX. I began this process with them inXX/XX/XXXXwhen we meet in XXXX XXXX XX/XX/XXXXto discuss their particular situation and when they were looking to move here. I knew that they would not be moving till spring/summerXX/XX/XXXX but would be coming to XXXX frequently to see homes that interested them. About 9 months into the process I received an email from my client that she had been working with Navy Federal Credit Union on their preapproval and wanted to know if I was affiliated with them. She states in her email ( attached here ) " We are considering pre-approval with Navy Federal Credit Union. We 've been told that we can get a reduced mortgage rate with a realtor associated with them '' I informed them that it is a RESPA violation and that is steering. Through the next 5 months my clients continued to work with me, making several trips to XXXX to look at homes. The last time they came back was the week ofXX/XX/XXXX at which point we were going to look at a bunch of homes and hopefully put an offer in on one. I advised that they bring their preapproval as we would need that to submit and offer. They viewed some rentals when in town because they were not sure they would find something and wanted to move back ASAP. Without me knowing they went to see a house and feel in love with it. After all the paperwork was done they emailed me to let me know they had found the one. I was a little taken back by this and emailed asking if I had done something wrong ( emailed attached ). I was advised that I had done nothing wrong and that they LOVED working with me ( email attached ). They wrote me a fantastic recommendation on XXXX and stated " Our final commitment to XXXX XXXX and the house that we 're buying was based on NFCU and their partner program, XXXX XXXX ''. ( Email attached ) So after a year and a half of working with my clients, they find a house and NFCU tells them to use one of their realtors affiliated with them to submit the offer and NFCU will give them a reduced mortgage rate. I do not believe this is legal and this is also steering.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2017-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Navy Federal Credit Union will not let me resolve issues via their telephone teller. This ahs prevented me from accessing my accounts and paying bills in a timely manner.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2017-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On the abpp it says I have problem with my bank information, and it 's just showing me a blue! under my account balance
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2017-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I XXXX for a company called XXXX XXXX. I received an email from a person calling herself XXXX XXXX, stating that her boss wanted her to make an order with the company. She asked what the total would be, and I told her {$320.00}. She said that a check would be in the mail for me and that she would let me know when it was shipped. On Wednesday, XX/XX/XXXX, I received the check, but it was in the amount of {$2200.00}. I was told by XXXX that her boss had accidentally sent me the total for XXXX 's paycheck instead of just the amount for the order. She wanted me to deposit the check, make the order, and then send her the remainder of the money for her to take care of her bills, kids, and mother. I deposited the check that same day. The amount of the check showed up in my transactions, but had n't shown up in my balance until Saturday. That indicated to me that the funds were available and the check had cleared, so made the online order and then I sent the rest to her. Yesterday,XX/XX/XXXX, I noticed the check had bounced. I spoke with the bank about it immediately and they did n't refer me to the fraud department initially. The lady I spoke with told me that there was nothing they could do, and to contact Wal-mart and the police department. I called today and spoke with the fraud department, and I was told that there is a difference between funds availability and the check clearing. Today, I also drove an hour to the Navy Federal branch, where I posed the question " how would I distinguish funds availability from a check clearing '', and I was met with a response of " the account would not look any different in either instance ''. What I 'm left not understanding is why were the funds shown available if the funds were not truly available? I was also told at the branch today that the funds were shown available because the bank trusted that I knew where the check had come from based on my relationship with the bank. Ultimately, it seems that the bank was just as trusting in me as I was in the person who sent this check asking for products specifically from the company for which I XX/XX/XXXX, so why am I the one being held liable for this negative account balance?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29150
Submitted Via: Web
Date Sent: 2017-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Some opened an account in My name Even though it was {$5.00} still Navy Federal Credit Union is asking Me to pay
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 18704
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX while out for XXXX 'XXXX XXXX I attempted to use my new credit card to make a purchase and it was declined. I knew something was n't right being that my account was maybe 2 weeks old. I called navy Federal to figure out what was going on and they told me my account had been restricted due to my consumer report with XXXX XXXX XXXX, I asked what that was and they gave me a number to call which I did and found out I had to order a report that takes 30 days to get. So being that all of my accounts including my kids accounts and husbands account were all frozen we followed the necessary steps, waited the 30 days to receive the XXXX report and took care of the items that were on there as I was once scammed and information was stolen, police did nothing, long story short I paid everything off and that banking institution updated that information immediately to reflect that. The items were 2 years old at this point so whatever they needed I took care of in hopes to regain access to my accounts. Well week after week of calling between Navy federal and XXXX I get different responses from the multiple reps with both companies on how things are handled and it has become really frustrating. When you go through so much to get things back in order and start new just to get knocked back again and to get the continued run around between each agency is by far the worst headache. Now today, XX/XX/XXXX well over a month since the accounts were frozen I got a call from Early Warning after leaving a message with the supervisor I which they stated a new process was in place and that Navy Federal should be able to run a new report and see the updates on my consumer file. Other than that they do n't fax anything to a particular department or person anymore as they changed their policy. So I reiterated this information to Navy Federal once the call was done and they stated that XXXX could fax them information and that until they did the accounts would still be frozen. Now I have a checking, savings, credit card, and kids savings for XXXX of my kids at this bank and a checking and saving for my husband ; an opportunity we are afforded for my dads XXXX years served in the XXXX. If this is a vetting system Navy Federal uses why was n't this done prior to approving me for the accounts. I have found in my research that this is something that has happened to hundreds of people. Luckily I had n't depositing my money into these accounts yet as I would have no access. navy federal has not helped me at all in this process but give me a run around as well as XXXX and its frustrating when I have done everything I 'm suppose to do. I received a letter about 2 days ago dated XX/XX/XXXX that my credit card privileges were temporarily suspended due to a late payment that I never knew the due date nor the minimum payment amount for because once again I have no access to my accounts and finally after weeks of calling since XX/XX/XXXX, the rep I spoke with today in regards to the delinquency if I would be charged a late fee, she never answered that but after further looking into the matter she found out that the statements are blocked due to the restrictions. I just want this resolved to get access back to my accounts and I feel like it is never going to happen with both agencies not giving me straightforward answers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2017-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A