Date Received: 2023-08-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My husband is XXXX XXXX military, retiring form the XXXX, and we were applying for a VA home loan at Navy Federal Credit Union. We received a pre-approval letter by them and started looking for a property. We put several offers on multiple properties and finally were able to get one under contract after a lot of work. Navy Federal Credit Union asked for fianancial documents and we submitted them. We really wanted this property after the long road to find it. Along the way the bank told us that underwritting declined our loan. I asked why and they said that they only taking into account my husbands retirement income and not his XXXX XXXX income ( he has more than 12 months left and other loan officers had said he could use his XXXX XXXX income ). Also because our high debt to income ( DTI ). Since we were desperate at this point I inquired about other loan products and my loan officer said he could not help me. He did not care. I asked him if we don't qualify for the XXXX XXXX loan we were asking for, then what is the amount that we are allowed? We could have searched for a smaller property? He said he did not know. He just wanted to brush us off. Also along the process, they ran our credit score twice. Once at the beginning and once toward the end. Their sevice is limited and only respond during certain times. There is no customer service or empathy. We lost the deal and are extremely dissappointed with the outcome of our experience.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 and XX/XX/2023 I contacted XXXX via correspondence by mail to remove XXXX XXXX, XXXX and Navy federal Credit Union off my Credit Report. I have contacted each company twice by a formal letter and over 10 times for each company via phone. I was a victim of identity theft and also provided all documents each company requested ; including the identity theft reports. I have provided the burden of proof numerous times and nothing has been done. As a result, I was released from my job do to these reporting on my credit and have been denied for 2 jobs. I am a XXXX in the XXXX XXXX. I have been denied for 3 homes for my family and myself. Law.states : As per the Fair Credit Reporting Act, Section 609 ( a1 ) ( A ), it is required by federal law to physically verify the original signed consumer contract for any accounts posted on a credit report This verification process is essential to prevent fraudulent accounts from being included in the reports. especially since individuals pay for these reporting services I have demanded multiple times to see verifiable proof ( i.e. : an original consumer contract with my signature on it ). Not one of these companies have complied and sent proof. This is my last attempt to demand these accounts are removed. If not, I will be suing each company and each credit bureau seeking maximum damages.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
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: Good Afternoon, I had filed a fraud claim with Navy Federal Credit Union for transaction on XX/XX/23 for {$340.00} with XXXX. We had reserved the vehicle picked it up XXXX, VA, however due to MAJOR issue with the vehicle that jeopardies the safety of my family we had to change while driving in XXXX, KY. When we arrived to KY airport they gave us way smaller vehicle. I had provided all document to navy federal the report that was made all the paperwork receipt agreement and they did nothing. No proof of attempt to collect the amount, charge back request nothing all I got was we are sorry. As a consumer they did not provide any protection or even assistance. I had called NFCU several times to asked if there is any addition docs need and they and they stated all is good, until it was not and said that they are unable to assist and the claim is decline.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was given, what I believe was, a predatory auto loan by XXXX XXXX in early XXXX while on XXXX XXXX. When I was XXXX from the Navy early, I let Navy Federal know that I was as unemployed. I was unaware of my rights in XXXX. I defaulted on the loan and my last communication with Navy Federal about this loan was in XXXX. The car was repossessed in XXXX. While on unemployment in the summer of XXXX, I asked my sister to cash an unemployment check against her Navy Federal checking account on base at XXXX XXXX in XXXX XXXX. I was approached by the manager to discuss the loan, to which I said I didnt wish to do so. She refused to release my check and I had to call base pd for help. I was unaware that this wasnt something they were allowed to do but this is the last contact I had with Navy Federal about the auto loan. On XX/XX/XXXX and XX/XX/XXXX I received calls from someone stating that they had information to give me about a civil lawsuit being brought against me. I called the number on XX/XX/XXXX and was told by a representative that Navy Federal is in the process of filing a civil claims suit against. I said that I did not wish to discuss this with the representative and that they are not allowed to harass me and claim suit for a loan this hold. The representative said I was wrong and disconnected the call. I believe that this threatening behavior goes against my rights as a consumer as their window to file a civil claim has passed ( the loan originated in California and the last conversation about the loan was XXXX. I have lived in Nevada since XXXX but have not had any sort of conversation with Navy Federal during this time ). I have had decades of harassment from Navy Federal and would like this addressed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act this creditor has violated my rights 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604a section 2 states that a consumer reporting agency can not furnish an account without my written instructions 15 usc 1666b states that a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75181
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I spoke with several representatives on XX/XX/XXXX regarding my credit card because they recognized possible fraud on my card. They blocked my card and sent out a new card. In the interim, the male rep also informed me that he would me emailing me a card that I could use right away that could be added to my digital wallet. He asked me if I was familiar with that and I told him that I wasnt very skilled but that I would figure it out because my vehicle was being repaired and I needed access to my credit card ASAP. Later that day when I tried to add the digital card to my digital wallet, it wouldnt work and I had to call back and I spoke with a femal rep and I remember her name because it is same as my daughter, XXXX. Their phones were so busy that it gave me the options to call me back when a rep became available and I took that option. The call came in at XXXX XXXX, PST and I explained to her that I was having problems adding the card to my digital wallet. She began troubleshooting and the total call duration was XXXX minutes and XXXX seconds. After some considerable amount of holding and troubleshooting, she was able to get the card added to my XXXX wallet. I also asked her if my mechanic wouldn't accept the XXXX wallet, would I be able to go into a local Navy FCU branch and do a cash advance and if so, would there be a fee involved. She said that she wasn't sure, and she placed me on hold. She returned to the call and told me that there would not be a fee involved and our call concluded. I went into the branch on Saturday, XX/XX/XXXX and I did a cash advance because my mechanic did not accept the XXXX wallet and I ran into multiple issues at the branch. I ended up leaving the first branch because they weren't telling me what I had discussed with the rep the night before even though I had asked for the branch manager. I went to a second location and finally got the cash advance so I could get my vehicle from the repair shop. Today is, Friday, XX/XX/XXXX, and I logged into the Navy FCU app, and I noticed an interest fee in the amount of {$50.00} so I called, and they advised me that it was for the cash advance, and I was obviously not pleased. I spoke with a supervisor, and she said that another supervisor named XXXX said that she listened to a call on XX/XX/XXXX ( that never took place for the record ) and that I was never told anything about a cash advance fee and of course not because that is not when the call happened. It is so sad that Navy FCU is documenting such outrageous lies to cover up for the fees that they are charging me after the fact. Please investigate this travesty so that banks stop this kind of illegal behavior.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2023 Navy Federal Credit Union XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, VA ZIP Code Re : ; {$17000.00} I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is a contractual obligation that is binding on me to pay this debt. I disputed this debt because I don't recognize this debt. I made an agreement to settle for XXXX and paid in full to the NFCU representative over 7 months. I requested confirmation and have yet to receive confirmation of debt resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been writing letters and sending in documentation to the creditors and also the credit bureaus, showing that the attached debts were apart of identity theft. I have provided police reports, ftc filing reports, documentation to prove these debts do not belong to me. I have been doing this for the past 2 years and the only bureau that has updated the information is XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/XXXX, I was denied a loan opportunity. This denial that is adverse to me as the consumer and business owner. Im inquiring on what exactly is delinquent and what account has a high utilization.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36575
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: An unauthorized debit by XXXX XXXX was made. XX/XX/23 I called XX/XX/23 tothe bank before the money was debited. I told them the purchase was unauthorized for {$420.00}. I was told it had to be processed ; eventhough, I told them it was fraud. I was told to call back once the money was taken from my account. I called back filed a fraud claim XX/XX/23. However, i filed a second fraud claim as another debit occurred unauthorized, which money ( {$50.00} ) was taken from my son 's account, which was refunded. My claim was denied 2 times and they will not give reason. And has taken XXXX almost 6 months to give reason. I asked for documents and have been denied that as to reasons why I got denial information that is insufficient and a denied request as of XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93277
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A