Date Received: 2017-06-07
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have been a member of Navy Federal Credit Union for well over 27 years. But in the last three years I have noticed a clear and distinct drop in service, care and overall concern for their members both new and old. Recently when I had a erroneous charge on my XXXX account, when I called to challenge the erroneous charge, I was given the run around and told to speak to a supervisor. When transferred to the supervisor I only got his voice mail. Despite repeated calls and voice mails to this supervisor, to date, I have never received a call or follow-up. And when I called their main office, I was actually told by the rep, " Oh well ... do n't know what to tell ya! '' When I asked to speak to her supervisor, I was disconnected. I have written, called and sent various emails and again no response or anything. So even with well over {$30000.00} dollars in funds of checking and savings and a member of over 27 years, there has been nothing in the way of service or assistance. I will now move my funds out and go elsewhere.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95355
Submitted Via: Web
Date Sent: 2017-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Navy Federal Credit Union has made unauthorized transactions from m y Checking and Savings account since XXXX XXXX of last year. The funds were sent to a closed credit card account ( it has been closed since XXXX XXXX ) a nd the following unauthorized transactions were posted to my account : XXXX XXXX XXXX - {$160.00} XXXX XXXX XXXX - {$170.00} XXXX XXXX XXXX - {$160.00} XXXX XXXX XXXX - {$160.00} XXXX XXXX XXXX - {$160.00} XXXX XXXX XXXX - {$160.00} XXXX XXXX XXXX - {$160.00} XXXX XXXX XXXX - {$100.00} XXXX XXXX XXXX - {$54.00} XXXX XXXX XXXX - {$510.00} ( sent to consolidation loan ) Both mentioned accounts are being negotiated by XXXX XXXX XXXX XXXX on my behalf. Power of Attorneys were sent to NFCU regarding the accounts, and they are fully aware. I have spoken with NFCU on several different occasions and unauthorized transactions have continued. Each representative I have spoken with all gave me the run around and proceeded to tell me they have the " authorization '' to pull available funds from my accounts if accounts become delinquent. How I have been with Navy Federal for 8+ year s and I have never encountered this issue nor have I read or signed any loan agreement consisting of this unlawful practice. I have gone into a branch located here in XXXX XXXX and a representative told me there was nothing she could do. I have exhausted all measures and this issue remains unresolved. The money stolen from my account has caused me to fall behind on other due bills.
Due to these reasons, I strongly advise any business or consumer to not conduct any business of any kind with Navy Federal Credit Union.Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2017-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I had XXXX credit cards wit h NavyFederal Credit Union that discharged ba ck in 2016 because I was not able to pay them. I recently started using my Savings Account at NavyFederal Credit Union and to my surprise, I log into my NavyFederal Credit Union Savings Account this morning and they have arbitrarily taken my money from my savings account and applied it to the discharged c redit cards. How can they take my money and apply to an old debt that has been written off?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33314
Submitted Via: Web
Date Sent: 2017-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX , XXXX Credit Bureaus ( XXXX / XXXX / XXXX ) To whom it may concern : I sent a certify letter back in XXXX of XXXX requesting documentation for the following late payments listed below that are reflecting incorrect data. This is my third attempt to rectify this issue. Please re - investigate and make the necessary adjustments to my credit file.
Navy Federal ( Signature Loan ) XXXX Verification of 13 late payment on : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX , XXXX , XXXX , XX/XX/XXXX , XXXX , XXXX Navy Federal ( Auto Loan ) XXXX Verification of 19 late payment on : XXXX XXXX , XXXX , XXXX , XXXX XX/XX/XXXX XXXX , XXXX , XXXX , XXXX , XXXX , XXXX Navy Federal ( XXXX ) XXXX Verification for 7 late payment on : XXXX , XXXX , XX/XX/XXXX XXXX , XXXX XX/XX/XXXX Navy Federal ( XXXX ) XXXX Verification for 7 late payment on : XX/XX/XXXX , XXXX , XXXX , XXXX XX/XX/XXXX Thank you XXXX XXXXCompany Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2017-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX XXXX , 2017 {$490.00} was transfered from my checking account to the checking line of credit. Because this transfer was made, my mortgage payment was returned resulting in a late fee. I spoke with a representative from the bank who told me the money would be returned, however as of XXXX XXXX , 2017 the funds have not been returned to the account. The line of credit was 11 days past due at the time of the transfer, however I was not notified in any form that this transaction was scheduled, and was not authorized on my part.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2017-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a visa credit card with Navy Federal Credit Union since XXXX .
I rarely used the card, but paid interest on the balanc e ( card limit was {$1000.00}, and the balance was around {$200.00} ) . I paid off the balance last week, and suddenly, the account was closed. When I inquired what happened to the account, I was told that the account was closed in XXXX . I was not notified of this, and had continued paying interest on the account, thinking that it was still opened. I sent them a letter requesting that the account be reopened, since I paid interest all of this time, but they insist I apply for a new card. I feel like if they closed the account without my knowledge, and I 've paid regular credit card interest on the balance for the last 3 years, they either should reopen the account as per the previous terms, or they should refund all of my interest payments since XXXX .Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-31
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: DISCRIMINATION Plaintiff : Company : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX, Al XXXX Phone : ( XXXX ) XXXX Defendant : Navy Federal Credit Union General Correspondence XXXX XXXX XXXX, XXXX, VA XXXX My name is XXXX XXXX the claims stated are true and accurate. ( 1 ) Customer : XXXX XXXX received a Bill of Sale from XXXX XXXX XXXX XXXX Bill of Sale attached ( 2 ) XXXX XXXX presented the Bill of Sale to Navy Federal Credit Union. XXXX XXXX was given a draft and instructed to presented to the company she was purchasing the vehicle from. Draft attached with Pre-approval Draft Endorsement Instruction Sheet ( 3 ) XXXX XXXX presented the check to XXXX XXXX in which a deposit was made into XXXX XXXX XXXX XXXX account with XXXX XXXX XX/XX/XXXX. ( 4 ) Around the hour of XXXX -XXXX XX/XX/XXXX I XXXX XXXX received a call from Navy FCU. Agent XXXX. He requests for me XXXX XXXX to forward him a copy of the Business License. I honored his request with the State, City Business License and Designated Agent Certificated. Copies Attached ( 5 ) After producing the business license. Received and email from Navy FCU : Subject ( Consumer loan letter of conditional approval ). Email copy attached I I contact Navy FCU with questions about the letter of condition. I spoke with Navy FCU agent XXXX who stated that he was with the Security Dept. for Navy FCU. He requests that XXXX XXXX XXXX XXXX produce copy of the front and back of the title. Copy of title attached I took the copies of the front and back of title to : Navy FCU. XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone XXXX. Met with Assit. Mgr. Branch office-MLO XXXX XXXX. Presented copies of the front and back of the title. After reviewing her monitor she stated that she could only forward the documents and she could not offer me any assistance. I would have to take this up with security. Did not provide me with a direct number or a contact person. ( 6 ) I XXXX XXXX return home. Contacted the XXXX number. I was directed to XXXX. He spoke with his supervisor. XXXX message was they had received the copy of the front and back of the title but that was not sufficient. The supervisor request. The only way Navy would fund this transaction is for the company name to be on the front of the title. XXXX XXXX received a statement from Navy FCU with instruction on what documents she would need from XXXX XXXX XXXX XXXX before they would release the funds. Attached Form from Navy FCU ( 7 ) My response. As a Designated agent for XXXX XXXX XXXX XXXX with over 30ty years experience, I have never in counted behavior such as this. Procedures for transferring of title or self-explanatory for people in the business of auto sales and finance companies. I request a copy of Navy FCU policys when it comes to title for the institution. As of this day have not received them. ( 8 ) XXXX XXXX faith in the company stood fast. I XXXX XXXX contact XXXX XXXX. Spoke with a gentleman by the name of XXXX XXXX. Request his assistance. I negotiated a deal for his company to sale a vehicle to XXXX XXXX. He agreed. I assisted XXXX XXXX to XXXX XXXX location in which I participated in the negotiations. ( 9 ) XXXX XXXX fax Navy FCU a Bill of Sale for XXXX XXXX to Navy FCU. Navy FCU was issued a Draft for the vehicle. XXXX XXXX and I drove away with the vehicle. In a casual conversation with XXXX. They have friends that work with Navy FCU. Moral of the story. Policies are designed to be applied when a company does not want to do business with a License Business with no blemishes. Attached you will find XXXX XXXX XXXX XXXX Sales package with front and back of title and Sales package of XXXX XXXX. Please examine the front of the title. XXXX XXXX XXXX XXXX Title Registered Owner : XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- -- -- - XXXX XXXX Title Registered Owner : XXXX XXXX XXXX XXXX . LIEN HOLDER FOR BOTH TITLES : XXXX XXXX XXXX XXXX XXXX Title is not in the name of the dealership as well as XXXX XXXX did not sign the back of the title of vehicle purchase. She sign an open title of transfer for a notary to complete that was not present. Copy of form attached. Summary : Navy FCU ( 1 ) blat tiny discriminate against XXXX XXXX XXXX XXXX. ( 2 ) Damage the credibility of the company ( 3 ) Cause undue stress ( 4 ) Tarnish the company name ( 5 ) Loss of business XXXX XXXX XXXX XXXX has experience : prejudice, bias, bigotry, intolerance, narrow-mindedness, unfairness, inequity, favoritism, one-sidelines, partisanship
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I 'm on worker 's comp with my job and ask for a loan modification due to my financial hardship and the Navy Federal Credit Union kept on requesting information andI kept on supplying everything they requested. Then they denied me a loan modification because they said they did not get it in time. I 'm only 6 months behind and a want to keep and stay in my home. I 've never been late on my mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened a loan with navy federal credit union bank for {$24000.00}. I noticed because i got alerts from all three credit bureaus. i opened a case with the police as well. United states postal office. I have no knowledge of this account. I have never received any information on this account to my home.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2017-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: myself, my wife and XXXX XXXX XXXX son checked into the XXXX XXXX XXXX in XXXX Kentucky on the first of XX/XX/XXXX and stayed until the morning of the XX/XX/XXXX. during our stay the maids would n't clean our room due to our son being in the room. one evening I went down stairs to get trash bags and I did n't let my room door slam because my son was sleeping, when I came back to the room I discovered that the door did n't latch although it looks if so it was. The morning of the XX/XX/XXXX at XXXX XXXX myself and my family checked out at the front desk and turned in out room keys. my wife did n't let the door slam to be respectful to the neighbors sleeping. after checking out my wife drove back home to South Carolina and I had to travel to XXXX for work. at XXXX XXXX I received a call from the Hotel saying I destroyed my room and that they have already charged my card {$900.00} for the TV in the room. I told them their 's no way I done that and to check the security cameras of me leaving and of the floor I was on. and they said that their was no camera on that floor and that they checked the room key logs of when the room was accessed and that it was n't accessed until the maids accessed it a XXXX or so. and they said TWO maids found it like that and that as soon as they found it they came and got the manager. the manager hung up on me and said he does n't care and if I want I can dispute it. and after I called back he said he knows how MY KIND are AKA the MILITARY, he said we always party and destroy rooms and that this is n't the first time its happened. he acted as if my wife and I partied with my XXXX XXXX XXXX son. but when I requested for the video footage of the room and of the security cameras of me checking out and of the room key log they said the manager would send it to me. I never received it and I contacted cooperate and they asked the hotel to give me what I requested but they still did n't. after returning from XXXX I went into the hotel and asked for the documentation again and the manager I spoke with said the GM is n't there and he 's the only one that can access that info. but when I first spoke with them on the phone the GM was n't there and they said that Two managers pulled the key log and everything. but they lied and did n't realize id be back and every time I 've talked to them their story is different. I seen the video of the room because it was on the managers computer and their was only ONE maid that was there and the trash and towels were still stacked up like we had left it and their was NO LIQUOR bottles or anything in my room. the beds had been pushed for the box spring and the tv was scratched. I asked him why would I stack my trash and towels if I was going to do that. he had no answer and said the GM would n't be back for a week or so. so I 've went and talked to a Lawyer and am trying to get this resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 409XX
Submitted Via: Web
Date Sent: 2017-05-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A