Date Received: 2017-03-17
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I previously submitted a complaint on XX/XX/2017, case # XXXX against NFCU. The response is still pending. However I have been working with their Personal Finance Department, XXXX - XXXX. Now she has helped to put a few of our accounts on pymt plans, great. Problem is there are 2 accounts still outstanding that we continue to get collections calls from NFCU from daily reason being I am the secondary account holder on the accounts & my husband is the primary but he is XXXX military & currently XXXX. I have begged & pleaded with NFCU to just put these last 2 accounts on the pymt plan so we can move on with our lives.NFCU insists that they must speak with my husband, no matter how much I tell them I do n't know his schedule or specifically where he is. He has even emailed NFCU via NFCu account website begging them to please just talk to me & work with on a pymt plan on these last 2 accounts so we can get a solution & put an end to the constant collection phone calls. I myself have had some medical issues & was just sent home from the hospital today. All we want is a conclusion to our previous request in my 1st complaint dated XX/XX/2017, a lower payment plan for a period of time. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2017-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-16
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Last month my XXXX ordered google play for XXXX times. We did n't know his tablet will connect my paypal account with my husband 's debit card. After talking to XXXX from XXXX. They were able to refunded XXXX out of the XXXX orders a total of {$240.00} USD. However Navy Federal Credit Union refused to credit those refunded items after filing an unauthorized transaction form and charging {$29.00} for every single overdraw transactions since the account did not have enough money from the begining. Nfcu requested a letter from XXXX and paypal with the word FRAUD. google give us a letter of the issue. XXXX does n't because they were just in the middle of the mess. Our NFCU joint account was negative for more than XXXX. They suggested to closed account until clarified issue, but when i received a TAX REFUND in my personal account for more than XXXX they transfered that amount to the bad account without inform us. That tax $ was to pay bills and yes their credit card. However after several tries and the fax we sent NFCU Keep arguing they need to see the word FRAUD in the letters. Why XXXX understood the situation of my son with XXXX clicking without knowing and the bank wants to see the word XXXX? Why do the take our $ and transfered in to a now closed account and charged us XXXX overdraw fees for & lt ; XXXX times? When google refunded XXXX out of XXXX orders. Thanks!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92804
Submitted Via: Web
Date Sent: 2017-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-15
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: In association with complaint number XXXX the following court documents are submitted to update the record.
Company Response: Company believes it acted appropriately as authorized by contract or law
State:
Zip: 86326
Submitted Via: Web
Date Sent: 2017-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-13
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: My husband and I had separate checking and savings accounts with Navy Federal Credit Union. We also had one checking account together. My own separate checking account had fraudulent activity in the amount of over probably {$20000.00}. Navy Federal CU was great handling the fraud claim except for not receiving claim status details in the mail. They stated when asked that I could see any activity that was taken by them by simply looking at my online account. Customer service stated I could see the Provisional Credits by seeing the adjustments, etc. The fraudulent activity was verified to be true & correct. What happened was I was over paid in the amount of {$7900.00} they said because Visa verified or approved that is was valid claim. So all of a sudden on XX/XX/2015 my account showed a negative balance of that same dollar amount. I called them and they stated they send a regular letter by mail stating this would happen within the next two two weeks before the XX/XX/2015 I never received the piece of mail and stated that something that big and important be sent certified since it was going to have a huge bearing on my families lives. Anyway I said I understood the overpayment. Then to my surprise they confiscated all money that was both of my husbands and my account. They took ALL of his direct paycheck that was on an automatic deposit through the XXXX of the XXXX where my husband has worked for about 26 years. So they continue to take all of our money until the balance was paid in the amount of the {$7900.00}. I called them to say that I was sick and we only had one income coming in and it was my husbands. I told them how could they leave us without any money for food, groceries or anything. I told them numerous times that my husband and I were willing to work out a payment plan where they could deduct a certain agreed upon amount out of his paycheck until the debt was paid. I could not understand how that this was legal. It finally got to the point where my husband that to stop his direct deposits so that we could have money to pay our bills like the house payment, groceries, gas, utilities etc. They were so rude about this. I complained to a manager and they stated if there was something they could do that they would be in contact. They never did contact us. They also shut off my debit cards and closed our savings accounts without any warning. If this was legal what they did how come they handled this so poorly. I would n't this stress on any military family or anyone for that matter. Can you let me know if there practices where legal or not? We also incurred tons of overdraft fees because payments were denied.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91977
Submitted Via: Web
Date Sent: 2017-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-13
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Opened a checking/ savings account with Navy Federal Credit Union on XX/XX/2017. I have monthly credit monitoring and received an alert that Navy Federal Credit Union had pulled my credit report. I did not apply for credit card or a loan and did not give permission to Navy Fed to pull my credit. Called Navy Fed on XX/XX/2017 to ask why my credit was pulled. Customer service representative first said she was not sure why since there was not any credit or loan applications in my account. She put me on hold to further investigate, and when she returned, she told me that it was supposed to be read to me, it was on the disclosure agreement ( opened the account over the phone ), and Navy Federal was pulling credit reports to have the reports in their file if I apply for credit or loan in the future. No one informed that my credit was going to be pulled when I opened savings and checking account! I have closed my account with Navy Fed. Please investigate! Thank you!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2017-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-09
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Good morning, I have had an account with Navy Federal Credit Union ( NFCU ) since XXXX. During the past 10 years I have experiences unethical and unprofessional business practices by all " customer support '' representatives affiliated with NFCU to include but not limited to, Debiting debt Payments from a youth savings account without permission or notification, allowing loans and credit cards to be opened without my consent or knowledge, especially XXXX which was specifically granted during a XXXX when they were required to reduce interest rates for pre-Mobilization debt, Harassment of my Family, and friends to strong arm me into paying debts and now crediting debt to prevent me from closing my accounts and formally ending my affiliation with NFCU. I have spent several years repaying debts to NFCU properly and responsibly as to be a good citizen and not declare bankruptcy as I have seen others do to avoid paying their debts. However, today when I have no reported debts remaining on either my credit report or in any statement for the last 3 years, NFCU has informed me there is an outstanding debt of {$58.00} on my Share-Savings account from XXXX which I have never received a bill or can find any proof of in either online or paper statements. I only have a message from NFCU, via their website, stating the account has a debt, which also does not show on the site. I have attempted to proceed honorably with NFCU ; however it seems they are unwilling to let me sever my relationship with them without taking another pound of flesh. I have decided to fight this claim as a line in the sand that I will go no further. I 'm hoping this will help build a case against NFCU 's unethical and unprofessional business practices and prevent them from doing this to others. XXXX ( XXXX ), XXXX, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2017-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-08
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I am not getting updates, file requirements/needs or accurate disclosures. I feel as if there is file discussions going on while I am not being informed timely or being informed of what I need to prove or show to get a clear to close. The last email from the credit union that was not prompted by me requesting a status update was XXXX XXXX and today is XXXX/XXXX/17. XXXX If I need a certain figure in my checking account maintained for a certain period I need to know this. My payment is still estimated over what it should be and I have no clue how anything is going with my file.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Other
Subissue:
Consumer Complaint: navy federal is reporting acct as mine. after i asked to remove from acct because shows i am authorized on acct. will not give me acct details but says i am authorized user.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-07
Issue: Delinquent account
Subissue:
Consumer Complaint: I applied for a NFCU credit card.. I was approved and fell behind on my payments. Well the agreement was XXXX per month, however they take funds out of your account without consent nor notification they do this at least three times a month even with the set rate agreement and the agreed upon date that it is supposed to be taken out.. When you call and complain they bully you into saying they can do that and that's their right! They need to be fined and stopped! IMMEDIATELY!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-01
Issue: Other transaction issues
Subissue:
Consumer Complaint: Using the Navy Federal Credit Union App, I accidentally transferred {$570.00} to the wrong member. The Credit Union has made attempts to contact the member, but has not returned my money. I would like to have the funds returned.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2017-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No