Date Received: 2017-05-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To whom it may concern ; I am writing in regard to the referenced accounts and transactions. This vehicle was repossessed by NFCU in the State of F lorida on or about, XXXX , and resold on or about XX/XX/2014 . Under the laws of the State of ( State of Repo ) UCC 9.506 and State XXXX and XXXX 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 available State and Federal s tatutes 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
Date Received: 2017-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Navy Federal Credit i s reporting a $ XXXX {$150000.00} charge-off on my credit reports for an equity loan which was foreclosed on in XXXX . I 've sent them a letter on XXXX XXXX , XXXX ( received by them on XXXX XXXX ) seeking substantiation of this debt of which I 've not received a response. Navy Federal c ontinued to pursue foreclosure of our home in XXXX despite several attempts by us for a loan modificationthroughout XXXX and XXXX . We then hired an attorney which Navy Federal chose to ignore and not respond. In a final effort to alleviate foreclosure, my husband tried to file for bankruptcy, but was dismissed by the court because the only debt issue was the home mortgages which the judge said should be handled directly with our lender ( Navy Federal ). We 've never received any notification by Navy Federal that this debt is owed, nor have we received any deficiency judgements against us for this debt. In fact, Navy Federal even filed a XXXX for a forgiveness of this debt to the IRS. Your efforts to have Navy Federal subst antiate this debt are most appreciated. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20136
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 enough information to verify debt
Consumer Complaint: Reported failure to pay after account closure date. Account high balance is incorrect and over limit. They refuse to provide all information to validate saying it 's unnecessary. They have repeatedly harassed for years wi th 5-6 rob ot calls a day after being told to cease and desist.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 325XX
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: Trouble during payment process
Subissue:
Consumer Complaint: Dear Sir or Madam, We have a conventional 30 year fixed conventional mortgage loan with Navy Federal Credit Union. We recently received a New Mortgage payment notice letter from them stating that our monthly payment is going up 27 %, and the monthly escrow increase went up 170 %. This has placed a tremendous financial hardship on my family and I. In addition my closing documents stated that our payments should not increase more than the original monthly payment. We feel at a minimum this is a violation of Truth in Lending Act and RESPA and general ethical mortgage practices I had with Navy Federal. Wh en we were in the process of closing the loan the Navy Federal Loan broker XXXX XXXX stated that after the loan closes we are eligible for a one time no obligation interest rate modification if the rates drop. The rates did drop and we contacted Navy Federal se veral time to get a mortgage rate modification and the Customer Service department stated that we would have to wait a lot longer in our term for a potential rate modification. Completely opposite of what our broker stated while we were in the process of obtaining and closing the loan. Primary this huge monthly increase of 27 % and 170 % escrow increase has placed a huge financial hardship and burden on us. In addition the fact we pa y two annual property tax payments ourselves and they are increasing our monthly payment significantly we need your assistance to bring our payment manageable and bring Navy Federal int o compliance on this pressing matters. Thanks for your attention in this matter. Sincerely, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92596
Submitted Via: Web
Date Sent: 2017-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-13
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: ISSUE : Request assistance in getting refunded {$420.00} of the full purchase price of $ XXXX for Web Order Number : XXXX XXXX WATCH XXXX XXXX XXXX XXXX XXXX XXXX XXXX Part Number : XXXX . Attempted to resolve issue directly with XXXX on multiple occasions from XXXX XXXX XXXX . Then sought resolution by submitting request to open an investigation XXXX XXXX XXXX with credit card issue r ( See Attached FILE XXXX ). Credit Card issuer applied a temporary credit back to my account on XXXX XXXX XXXX . Below is the last reply to credit card issuer in response to correspondence informing of action from response from XXXX ( See Attached FILE XXXX ). NAVY FEDERAL CREDIT UNION Credit Card Chargeback and Resolution XXXX XXXX XXXX XXXX , VA XXXX RE : NFCU Correspondence Cre dit Card Dispute with XXXX Online dated XXXX XXXX , XXXX Request an extension to suspense to reply to keep case open stated o n NFCU correspondence referenced on subject line. I have returned from a trip to Florida and today opened the NFCU correspondence with a suspense t o respond by XXXX XXXX , XXXX . Based on the evidence provided and NFCU correspondence dated XXXX XXXX , XXXX , I had no expectation of receiving any other action regarding this case and quite surprised o f NFCU r esponse to remove the temporary credit. XXXX Response : Dated XXXX XXXX , XXXX , states The customer also received credit in the amount of {$50.00} for the XXXX + for the original watch to the original form of tender. Also stated There is no record of the customer returning the XXXX Watch XXXX XXXX XXXX XXXX XXXX XXXX Ny. Rebuttal : Evidence presented is self-evident clearly showing that both of these statements are false. I have provided invoice evidence that I have paid twice for the same XXXX XXXX XXXX Watch. Simple question for XXXX is to show where I have been reimbursed for the remainder of the Online Credit {$470.00} minus the {$50.00} ( which was refunded correctly to original tender ) of {$420.00}. The evidence provided shows clear and unmistakable error by XXXX for non-refund of a returned XXXX product in accordance with XXXX Sales and Refund Terms and Conditions listed under XXXX tandard Return Policy XXXX Watch Returns. My expectation is for NFCU t o fairly act, based on the preponderance of facts provided, to make temporary credit final to fully reimburse my account for the returned XXXX product. If this action is not resolved based on the evidence provided I will seek resolution from the Consumer Finance Protection Bureau ( CFPB ). Your assist ance in this matter is greatly appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23185
Submitted Via: Web
Date Sent: 2017-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: The credit union stop paying bills and I was not notified about fraud active or why they did n't pay my bills as scheduled, been set up for mouths and had been paid I want to know to mouth the fraud started I was told it was not normal to stop bill pay, the credit was asked to send letters to the reporting agency 's and they agreed they would and did n't, they sent me a email stating my copy was coming by mail, it never showed up and reason was the they sent it to the CFPB I never got the letters They sent me letters to send copy 's to the company 's claiming the did n't have the correct address how would know that how me the returned letters the address in the system is correct. They mess up my credit and no remorse are desire to help resolve the matter The money left the account so where did my money go I want to know where it went if bills was not paid They now paying bills prior to the due date after being told many times not and then when my money run the charge me fees without failed the credit union bill pay is out of control, with no caring to correct it they only about the bottom line. I want someone to tell me ; where my ; money went since it left my account for about five mouths, why and did they stop making payments and why was I locked out of my account, where did my money go and why was n't I notified what mouth did this start
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23455
Submitted Via: Web
Date Sent: 2017-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-11
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: During the dates of XXXX / XXXX / 2014 and until present, Navy Federal Credit Union have violated multiple debt collection laws to try and collect money from me on owed debt. Navy Federal Credit Union used multiple different deceptive practices to try and obtain money from myself, which include falsely threatening legal action and wage garnishment, contacted third parties and threatened my job and security clearance, misrepresented credit consequences of falling behind on loan and credit card payments, and illegally froze access to my accounts. All of these deceptive practices are a direct violation of Dodd-Frank Act, and consequently Navy Federal ha s been issued a consent order for the violations I have listed above.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2017-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My name is XXXX XXXX , SSN XXXX DOB XXXX / XXXX / XXXX I used to have XXXX credit cards with NFCU back in XXXX , long story short, I ended up in the hospital and unable to make payments, account went charged off, I contacted NFCU because the amounts just do n't add up to me, I asked NFCU for a full account audit including contracts signed between NFCU an d me showing my signature as well as a FULL account statement showing why my account is that balance in both of the credit cards by law, if they can not provide with these items, they MUST REMOVE the records from my credit report and they have failed to do so. Also, they have XXXX account showing twice in my credit report, so instead of it being XXXX accounts it shows XXXX accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2017-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Almost two months ago I attempted to open a Navy Federal checking + savings account. I went through the entire online process without issue and was not notified of any problems. I deposited at that time {$95.00} into a checking account, {$5.00} as required into their savings. Approximately two weeks went by and after receiving no email contact, phone calls, or snail mail, I called in. I was told that they needed to verify ID and proof of address. I said, great, not a problem, got the ID number XXXX, a fax number, and sent the required items over. Again another week or two went by, zero communication, zero notification of any problems. I called in yet again. This time I was told my ID did n't come through OK. I told the woman I spoke to, fine, I 'll email it directly to the pertinent department. On XX/XX/XXXX, I sent a scanned, high resolution copy of my license, along with access code XXXX to XXXX. No response. Crickets. No mail, no phone, no anything. Yet again I call in to get a status update. Apparently that email, despite going to the precise email address provided - and despite having CONFIRMATION that the email was sent, apparently went into an abyss. I told THAT woman that either this gets resolved on the phone today ( at this time, late XX/XX/XXXX, more than a month after attempting to open the account ) or the account is closed today. The relevant department did not find the email and did not provide a convenient means to provide that information for a third time, thus I immediately demanded closure of the account. Closure was GUARANTEED. REfer to the XXXX recording that you supposedly keep. And a check in the mail was to be sent. And yet on XX/XX/XXXX I receive a letter in the mail requesting ID and proof of address to be sent. Which btw, was quite literally the first communication from Navy Federal to me at any point in this two month process. All other communication was me having to get in touch with Navy Federal And on this call, I 'm told that I need to show up at a bank location to close the account and get my XXXX money back. I 've wasted multiple hours and now I 'm being told a simple closure process that gets me my XXXX money back requires wasting MORE time as you are n't around the XXXX corner. I WANT MY XXXX MONEY BACK AND I WANT YOU TO LOSE ANY AND ALL OF MY INFORMATION If that does n't happen, I 'm taking everything viral. I have consumer 's list of 100k that I will put this story in front of and I will incentivize it going viral if need be.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08080
Submitted Via: Web
Date Sent: 2017-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I apply for a refinace with navy federal. I paid {$500.00} for the appraisal. when the result of the appraisal came back. The appraisal had old pictures of my house and no one ever came to my house to do the appraisal. it look like they just used the old pictures from when i bought the house in XXXX the house was approached for XXXX but a house seemlier to my house in the XXXX XXXX sold for XXXX i tried call to explain to navy that the XXXX used and old picture and no one never came to my house. but i did n't get anywhere. pls i need your help with this {$500.00} is a lot of money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2017-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A