Date Received: 2023-08-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Mailed out an Adverse Action Letter to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. VA XXXX Certified Mail Return Card Receipt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My wife and I both have an account with Navy Federal Credit Union with a car loan on each of our accounts. A 2017 XXXX XXXX and a XXXX XXXX XXXX respectively. When we requested a new loan for a different vehicle under my account to trade in the XXXX XXXX XXXXXXXX, we accidentally requested a loan trade in the XXXX XXXXXXXX XXXX and not the XXXX XXXXXXXX XXXX. We went to a dealership and purchased a different car with the new loan. We did not realize that the new loan had the XXXX as the trade in until the dealership called us and told us that they received the title for the XXXX and not the Forester. During the trade in, we had a check from NFCU in the amount of {$6000.00} to go towards the new loan. My wife called NFCU on XX/XX/XXXX and spoke to XXXX to discuss what needs to be done to rectify this issue. She took notes and said that she would note our account for the next steps. My wife called the next day, XX/XX/XXXX and spoke to XXXX XXXX not sure of the spelling ). She said that there were no notes and my wife had to describe our situation again. She said that she noted the account and requested a new loan to solve the problem and to call back for the next steps. My wife called on XX/XX/XXXX and spoke to XXXX. My wife had to describe our situation again since she is not permitted to speak to the same person. XXXX was on the phone for hours figuring out next steps. The problem was that the dealership cashed the {$6000.00} check and NFCU would not move forward with new loan until they received the {$6000.00} back from the dealership. The dealership wanted a letter stating that they would receive the {$6000.00} owed to them and would not send back the {$6000.00} or the XXXX title until they received the letter. NFCU rep said that a letter would be sent via email with that information. We did receive a letter, but it was not the information needed. My wife called back on XX/XX/XXXX and spoke to a representative ( not sure of her name but it could be XXXX ). This rep said that there were no notes in our account and that we needed to start from scratch. She told my wife that they were going to put a stop to our new loan and issue a different one. We needed to send back the blank {$6000.00} before anything else would be initiated. Once the blank {$6000.00} was sent back that we would see our XXXX back on my account so that we can make our payments. This did not occur. My wife called back and spoke to XXXX. he said he was going to put a stop cancelling the new loan and that we needed to get the {$6000.00} and title back from dealership. XXXX was able to get a letter to satisfy what the dealership wanted to secure their money etc. My wife called XXXX in the NFCU title department, she gave the addresses that the dealership needed to be sent back to. NFCU received both the {$6000.00} and the XXXX title on Monday, XX/XX/XXXX at around XXXX XXXX. My wife called NFCU on XX/XX/XXXX to get an update on what the next steps are going to be. She spoke to a male representative who stated that there were no notes and that my wife had to start from scratch on what our issue is. He transferred my wife to XXXX who is a supervisor. XXXX stated that NFCU never received the {$6000.00} nor the title from the dealership. My wife stated that she had the tracking numbers to which XXXX looked up and verified that yes, NFCU received both the title and the check from the dealership. My wife asked what the next steps will be. XXXX put her on hold and came back on stating that the check is missing and they are not sure where the check or the title are at this time. XXXX was to call my wife on XX/XX/XXXX which she has not. We need help. We have a vehicle in our possession that has a loan attached to it that is not valid, the dealership has a vehicle on their lot with no title and NFCU is giving us the run around and lost the check and title. Every time we call, we get a different person with a different answer and nothing is being done to correct this matter. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I got a call from someone with an accent saying that I needed to give him money because someone had gotten into my XXXX account and I needed to fix it. I went to navy Federal credit union and the person on the phone walked me through transferring money from my money market account to my checking. He then had me wire {$15000.00} to someone in Florida. My wife found out and called the credit union that day and tried to put a stop on it. They said wire transfers were like cash but they would try to get it back. They called the receiving bank and I guess it was up to them if they were able to stop this transfer. We also made a police report. We talked to the people from Navy Fed up to last week and have not heard from them, I assume they couldn't get the money back. The man with the accent called me and my wife continuously for days trying to get us to give him some confirmation number that the wire had gone through, but we didn't give him anything
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92129
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I have been trying for sometime now to open an account with this bank. I apparently have a membership but for some reason a verification process is still pending years in a row. I have called Navy Federal and Im getting no where. I would like to be able to open my account. What is the hold up.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: In XX/XX/XXXX, I initially applied for an account with Navy Federal. They denied me with no explanation or letter as to why I was denied. Ive applied XXXX XXXX. In XX/XX/XXXX, I reapplied. They confirmation stated I needed to hand in verifying documents for my identity. When I went into the branch a week later, XXXX, a rep at XXXX XXXX XXXX XXXX said she check me in and I would be next. XXXX minutes went by and in that time XXXX other customers walked in and needed to speak to a representative. I waited over an hour before I walked out. within that time, there was no communication and XXXX saw the other customers before me. I called the customer service line but not XXXX person addressed my concerns. I decided to go into the branch again on XX/XX/XXXX to speak with the branch manager. I spoke with XXXX and he stated they use a outside agency named XXXX and they denied me. I called XXXX, the Agent could not find me in his system and asked me for my information to build a profile I refused. I called XXXX XXXX ( branch manager ) back and now he stated the back office just needs my identity and mailing address confirmed. I handed him my ss card, VA ID, DL, proof of residency, up to this day, I have not received any notification as to opening my account. Ive called the customer service line, they blame the branch, I go into the branch, they treat me as if Im not worthy to branch at a bank that was build for me. I have emails, records, recorded calls, numerous supervisors names and this is now the second time Ive handed Navy federal my personal information and it is exposed to them for them to not deal with me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85014
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Money from my stepson account XXXX XXXX XXXX was removed and alledgely transferred to my account but no transfer was ever received. The money that was originally sent to XXXX XXXX in the amount {$3000.00}, XXXX XXXX {$3000.00} and XXXX XXXX XXXX my step son {$4500.00} member to member transfers were authorized XX/XX/XXXX. After bank account was unfrozen we had cashiers check to close checking account. We didnt want any big money inside Navy Federal . The only readon we agreed to have monies from their accounts to be sent back to my account so I can send back to them. I dont understand why those funds needed to XXXX sent back to my account. We're currently under litigation concerning the auto loan that was lost due to Navy Federal freezing my bank account. None of those funds should be used for any debt we're currently in litigation. We paid XXXX XXXX his XXXX in person so the new member to member transfers are to XXXX XXXX in the amount of {$3000.00} and to my step son {$7500.00}. Those funds no longer belong to me and we were forced to receive them when I didnt understand why they just didnt unfreeze funds and live them with the recipients. I'm starting believe because I'm in prison my fudiciary Navy Federal just dont care about my requests. I been fighting since XX/XX/XXXX. Please help me. These complaints will help you understand plus this long recording. CFPB previous complaints XXXX XXXX XXXX audio from XX/XX/XXXX XXXX XXXX XXXX attached is the proof of the money being taken out of XXXX XXXX account & XXXX XXXX XXXX XXXX but no alerts were sent to my email stating the money was received. XXXX money was taken XX/XX/XXXX but where did it go? XXXX XXXX was taken XX/XX/XXXX but whete did it go? I emailed a request to have funds transferred but not sure they were actually sent to my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: The Loan, Account Number And all Related Debts And Credits Related to XXXX XXXX XXXX XXXX XXXX Account # XXXX Have Been Transferred To XXXX XXXX XXXX XXXX XXXX! I no longer own this debt or its credits, The XXXX XXXX XXXX XXXX XXXX Owns : Navy Federal CR Union Acc # XXXX Via XXXX Filing # XXXX Through New York On Public Record In XXXX XXXX!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32504
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Please see attached file. Attached is the appeal letter sent to navy Federal. XXXX funds show available but they still will not release my funds to me. I have contacted the security department 5 times to no avail.each time they have hung up on me and would not allow me to speak to a supervisor. This has been going on for a month. How is this possible? I look forward to hearing from you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navy Federal credit Union offers a dashboard for members to view their credit report via XXXX. The dashboard is called XXXX XXXX confidence.XXXX XXXX confidence is not providing accurate information or credit score ratings that reflects XXXX information on my credit report. I reached out to Navy Federal no one has knowledge of how to fix the problem. I spoke with XXXX and they have all updated information. Navy Federal is using fraudulent data and not updating information causing credit scores to appear low and not removing account that have been paid off to prevent people from having qualified applications.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was assessed late fees even though I did not receive statements. After 9 months with a Navy Federal Credit Union HELOC, I enrolled in electronic delivery of my statement. Unbeknownst to me, this halted statements. I did not receive them via email, text or through the USPS. According to the Mortgage Servicing Agent I spoke to on XX/XX/2023, once I selected electronic delivery, I would only receive a notification when I logged into the NFCU App. That's no more useful than a doorbell that only rings when the door is opened. NFCU 's system did send a text after the bill was part due and a late fee was assessed. I've brought the mortgage current and disputed the late fees. I write now because others may be simularly harmed. NFCU should be forced to change their system so that it at least offers the option to receive texts or emails when the bill is due
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60193
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A