Date Received: 2017-05-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I should have received a deposit from the IRS of {$6800.00} on XXXX XXXX , 2017 and the money was deposited into the wrong account. I have contacted the IRS and at this point I was given the conclusion that its up to Navy Federal bank an d XXXX XXXX XXXX XXXX to return the money since it was deposited to them. I have contacted both banks and the money is in an account with Navy Federal Credit Union. Navy Federal stated to me there is nothing that can be done and could not provide any service to me. The money is in an account with Navy Federal Credit Union where I also have an account with. I have been dealing with this situation for the past 3 months and would like to come to a solution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2017-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-19
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: Back a few years ago, a friend used my name and address to obtain credit in his name. I was listed as a co-signer / authorized user. The Visa Credit card account was finally closed with a balance. My friend and I agree since we both used the card, to pay off the card balance. Since the Visa Credit card was in his name and he paid half, I agree to pay the remaining balance. I moved out of state while to continue to pay the balance off. The statement was going to his home in XXXX and I asked Navy Federal Credit Union to send the statement to my new addr ess in XXXX . I never gave my friend my new address, but I started to get pre-approved credit offers in the mail. I aske d Navy Federal Credit about this and their response w as " Subject : Privac y, Navy Fe deral Response XXXX / XXXX / 2017 : Thank you for your messag e. Navy Federal protects the confidentiality of your personal financial information. We do not sell your information. We only share information with nonaffiliated third parties when necessary fo r Navy Federal business purposes. For example, we share information with consumer reporting agencies. We may also share information with others to process transactions, to offer products or services approved by Navy Federal, or to comply with laws. When we share your personal information with others, strict confidentiality agreements and laws assure that your information is pr otected. Navy Federal is fully committed to the privacy of your personal financial information. Your Message XXXX / XXXX / 2017 : I am join owner of a CLOSED Navy Federal Credit Card XXXX XXXX XXXX XXXX and I asked that you 'll send the paper bill to myself being that I was paying the bill. What I was n't expected is tha t Navy sha re this information thru some finanical system. I am now getting mail for XXXX XXXX at my current address. Can you stop sharing my information with his name attached to it or please give me some advice in order that I stop receiving his BAD m ail. Navy Federal Credit shared my a ddress with XXXX of their third party who activated something in the financial system to send his bad collection notices and pre-approved offers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2017-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Spoke with Navy Federal Credit Union pertaining to Fraudulent transaction that an ex roommate committed. Gave them his name and information for the claim, also provided the Federal Affidavit of identity theft, concluding the transactions were fraudulent. The Fraud Investigator stated that she approved the fraudulent transactions because nobody specified if the card was in my possession at the time of the use. I stated to her, that the first thing the person asked me was if the card was in my possession and I stated no it was not. My roommate gained access to my card. I stated to her as I told the previous representative, that he has XXXX XXXX issues, and has a problem with going into others belongings. I asked her to reopen the investigation and conduct a real investigation. She began to become very dry, and stated that she investigated the matter, and upon 10 times requesting a supervisor, she finally stated that the issue will be excalated to a supervisor and a supervisor will be calling me within 24 to 48 business hours. As stated, XXXX XXXX tomorrow morning would be the 48 hour cut off time, at which time I have received no call from any supervisor. I went to my account today, and all of my funds in XXXX were stolen, and they stated it was to satisfy the outstanding balance from the fraudulent charges. This bank has stolen my funds and sided with identity thieves which does not sound like or even began to look as though they are XXXX XXXX, and some other entity is doing this to my accounts, which would be illegal. I spoke to a number of people and advised them, that XXXX XXXX gives a written notice anytime, funds are being withdrawn without the consent of the customer. They give the date and the time, and allow for the customer to be informed. This is not good business practice as I was not given proper notice of them stealing my funds to compensate for fraudulent transactions. I spoke with XXXX who declined for me to speak to any supervisor. I called back and spoke with a person by the name of XXXX, and later found out her name was not XXXX, it was XXXX, whom transferred me to XXXX, who claimed she was a supervisor, and stated they will not be returning my funds to my account until the investigation is over, she claimed her supervisor was named XXXX, and would not be able to be reached, and there is nothing that anyone could do when they could have. They could have placed my funds back into my account, but chose not to. Called back and spoke with an individual named XXXX who transferred me to her supervisor named XXXX, XXXX stated that he could not return my funds back into my account either, and stated his supervisor was named XXXX, and could not be reached. I am demanding XXXX XXXX Return every fund into my account, immediately, and pay for any damages this may have caused. I payed my vehicle payment, before they took these funds without notice, and without my authorization. People should be able to trust their bank, to uphold integrity, and look for the best interest of their customers. This credit union conducted itself as a sleezy bank such as XXXX, or XXXX XXXX XXXX, and has completely lost all of my trust. I am requesting all individuals involved be terminated, and that XXXX XXXX begin to be customer oriented as they once were, looking for the best interest of its customers, and giving excellent customer service, and not robbing its customers of peace of mind that their funds will be in their account at all times, without someone tampering with it. If someone commits fraud, for them to be there for their customers, without hesitation or question, and help their customer in that most violated time. Not to assist the identity thieves, and make the customer pay for something they did not do. I want my funds immediately, and all to be terminated and banished from reviewing my account in any form. And yes, to conduct a thorough investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77079
Submitted Via: Web
Date Sent: 2017-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: NAVY FED ERAL- steering. I am a XXXX XXXX XXXX with XXXX XXXX . My client who our firm has been working with to find their new home, is a veteran. We have toured various properties and have assi sted XXXX XXXX XXXX in finding this home. He is ready to submit an offer on the property that we are the procuring cause of placement. My client calle d NAVY FEDERAL to obtain a loan. Navy Federal procee ded to tell my clients if they stop using our firm, they could refer my clients to a XXXX XXXX agent ( Navy fede rals referral company ). TO HAVE XXXX XXXX WRITE THE CONTRACT ON THE HOME WE FOUND THEM!!! It was so bad tha t Navy Federal three wa y called the agent to set an appt with them to WRITE THE CONTRACT ON THE HOME!!!!! THIS IS DOWN RIGHT UNETHICAL! and I am hoping you will investigate this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: ON XXXX XXXX XXXX , I OPENED AN ACCOUNT WITH NAVY FCU WHILE I WAS IN XXXX XXXX XXXX ( XXXX ) AT VIRGINIA. I RECEIVED THE CARD AND USED THE CARD AND PROBABLY CHARGED NO MORE THAN {$300.00}. EVERY TWO WE EKS I GOT PAID AND I SUBMITTED PAYMENTS ONLINE AND EVENTUALLY PAID THIS BALANCE. WHILE AT XXXX , MY DAD RECEIVED A LETTER ADDRESSED TO ME. THE LETTER EXPLAINED THAT I WAS NEAR MY CREDIT LIMIT. I WAS CONFUSED BECAUSE I HAD NOT MADE ANY CHARGES. WHEN I CALLE D NAVY FEDERAL I WAS TOLD I WAS LIABLE FOR THE CHARGES BECAUSE I COULD NOT PROVE THAT THE CHARGES WERE FRAUDULENT. THE BALANCE REFLECTS CASH WITHDRAWALS, FOREIGN TRANSACTIONS, NONE OF WHICH I MADE. CURRENTLY THE BALANCE IS {$7000.00}. THE AMOUNT WAS HIGHER AS I RECENTLY MADE A PAYMENT. AFTER TALKING TO A LEGAL ASSISTANCE ATTORNEY AND MY LEADERSHIP, I STOPPED MAKING PAYMENTS BECAUSE THE DEBT IS NOT MINE AS I DID NOT AUTHORIZED THOSE CHARGES. I PAID BECAUSE I WAS AFRAID OF WAGE GARNISHMENTS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My XXXX XXXX XXXX XXXX account ( ending in XXXX ) was closed on XXXX XXXX 2017 due to late payments. I received a call from a Navy Federal Credit Union Representative at XXXX ext. XXXX . The representative informed my that although my account was closed, I had 60 days to bring the account back to current status in order for the company to entertain reopening my account. I had the representative confirm the 60days statement on multiple occasion all in which he confirmed. I spoke with the representative consistently under his assurance, I made payments of {$340.00} on XX/XX/2017 ; {$880.00} on XX/XX/2017 ; {$740.00} on XX/XX/2017 and {$360.00} on XX/XX/2017 . The frequency of my payments were possible from me borrowing money from others as I believed and was under the impression that the representative was telling me the truth about the 60days policy. I spoke with the representative on the date of my payment on XX/XX/2017 ( this was the payment that brought my account in current status thus satisfying what I was informed by the representative ) to again confirm that the 60days policy was true and that it was n't a 30days policy to which he confirmed to the 60days policy yet again. I went ahead and walked a few miles to the closest Navy Federal site at the XXXX XXXX XXXX in XXXX , XXXX . once the payment was made, I called the representative ecstatic because I was able to fulfill my end of the deal and satisfy the requirements to my knowledge. The representative ensured me that he will submit the request to have my account reopened. about a week later on XXXX XXXX 2017 , I called the representative again to check on the status and he told me that " Unfortunately the request was denied due to a policy change ''. Feeling disappointed, I asked him if he could explain the policy change and when it was made. He informed me that the policy change " was just made this week '' and that the account needed to be brought to current standing 30days from account closure. I felt heartbroken and betrayed because I believed this was not the truth and that he knowingly manipulated me into making such payments. I asked how and why the policy change impacted my decision if I met/satisfied the policy in place when my request was submitted and he did not provide me with an answer. On XXXX XXXX 2017 I contacted the representative at ext. XXXX again hoping that it was all a dream but unfortunately he reiterated his previous statement citing the policy change. I asked to speak with his supervisor and he transferred me to Mr. XXXX at XXXX who also confirmed the policy change. The entire ordeal seemed surreal and falsified only for me to make the payments. I do believe that the representative at XXXX did in fact knowingly lie, manipulate and mislead me into making such payments and I believe that I was taken advantage of during my vulnerable s tat e.
Company Response: Company believes complaint is the result of an isolated error
State: MD
Zip: 20708
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: NAVY FEDERAL CREDIT UNION continues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have XXXX accounts reporting without an account number.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have previously submitted compliant XXXX about NAVY FEDERAL CREDIT UNION with respect to their unfair business practices and desire to overcharge discount points contrary to their own guidelines. In an act of retaliation and bullying Navy Federal Credit Union cancelled my closing on X/XX/2017 without ever providing me with notice. I had informed the Credit Union th at no one was authorized to receive communications on my behalf ( enclosed email-notice ) but they still enticed their own attorney to commit Mal-practice by directing them to contact an unauthorized third party about the case and state the following : " '' Per the lender this is where we are at with closing : " If he would like to close with the terms we currently have in place we can reschedule closing. The earliest date we can close would be Monday. We will need him acknowledgement on the CD with no change in the terms. '' As you can see Navy is not going to be changing any of the final terms of the CD. I will need to confirm a closing, if he still wants to close with Navy, ASAP and will just need to update the CD for the new close date and then have him acknowledge it by the end of the day tomorrow. Please let me know if your client would like to close on Monday XXXX or after. If adjustment amounts will change please provide new adjustments to me ASAP so I can send over a new dr aft CD today. " D emonstrating NFCU 's resolution to violate its instructions by refusing to communicate with its own borrower for ov er 48 hours and to even provide the courtesy to inform them that closing had been cancelled as a re sult of its failure to due its due diligence with respect to communications with all parties. It also communicated through its attorneys its attempts to utterly dismiss complaint XXXX and that it would hold on to its desire to violate section C of its Commitment Expiration Policy on the Mortgage Loan Price Commitment Agreement by raising the price for discount points above what was on the document and the prevailing rate of the day ( See attached agreement. Furthermore, it was discovered on XX/XX/2017 Navy Federal Credit Union did not properly disclose to the appropriate party the names of the individuals to take Title to the property to be recorded on the deed of trust further causing delays. On the closing disclosure issued XX/XX/2017 in order to close on XX/XX/2017 Navy Federal attempted to charge the buyer for delays it caused and demonstrated its intent to add additional fees by issuing a new commitment agreement on XX/XX/2017 with higher rates than it advertised despite the fact that the current agreement would not expire until XX/XX/2017 .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2017-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-15
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On or about XXXX / XXXX / XXXX XXXX XXXX was instructed to lock a mortgage rate of 3.375 with 0 Discount points and one percent origination. She chose to ignore instructions and instead placed a phone call after hours asking for clarification. When rates went up and it was communicated to her that she should have locked it and I wanted the rate locked on those terms, she locked the rate without clarifying terms and conditions on the date of the communication after the rates had gone up. Addition ally, Navy Federal re fuses to honor the language of Section C of its price Commitment and insists on charging an additional XXXX dollars to close the loan in violation of the language in it 's own documentation. I vehemently protested XXXX XXXX 's locking of the rates without clear instructions to XXXX and XXXX but even though they both admitted to not being attorneys and refusing to have counsel review the documents they interpreted the emails and documents in their favor. I specifically told Navy Federal Credit Union I would not pay for XXXX 's Mistake and rather than inform me they would not change the rates they waited until closing in an attempt to bully me to accept their higher terms. Furthermore, the Credit Union refused to provide the commitment letter in order to timely process the loan to my agent stating that they needed additional documentation on or about XXXX XXXX XXXX when they had already published the letter. Navy Federal Credit Union also waited until the business day scheduled before closing to verify employment information and ascertain child care costs, ensuring it would cause delays and profit from higher rates.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2017-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This vehicle was repossessed b y NFCU in t he State of F lorida on or about, X/XX/2014 , a nd resold on or about XX/XX/2014 . Under the laws of the State of ( State of Repo ) U CC 9.506 and Sta te RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all availabl e State and Federal statutes and UCC 9 remedies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A