Date Received: 2023-08-03
Issue: Getting a line of credit
Subissue:
Consumer Complaint: On XX/XX/2023, I applied online through XXXX after speaking with them about a personal line of credit. Navy Federal immediately denied an extension of my credit. This is two violations of ECOA/Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06450
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have spoke with the company maybe twice a few months ago and let them know that I will go into the branch and make a payment once i get a chance. Since then, i have gotten repeater calls from different agents and within a weeks time, my voicemail has been filled up with over 30 voicemails. This has happen over the last few weeks.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2023, I submitted a fraudulent claim with Navy Federal Credit Union ( Confirmation Number : XXXX ). As of XX/XX/2023, no progress has been made from Navy Federal investigation and it has been over 90 days without a resolution. Their records will show that I spoke with the fraud department on XX/XX/2023 and XX/XX/2023. XX/XX/2023, the rep submitted a request to expedite the process.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2023 I had XXXX in my savings account around XXXX at night I transferred money out of my account and transfer money back into my back so I had funds in my account. On XX/XX/2023 i assets an over draft fee of {$20.00} when I had money in my account. I called the bank and wanted the {$20.00} back because all I did was move XXXX around and I had money in my savings to cover anything that came out I just moved money from one bank to navy federal. Im explaining this to the manager and she going to say if I keep speaking to her in a demanding way. I am explaining what happened and she is claiming Im demanding her absolutely ridiculous didnt use not one curse word didnt call her names nothing. Navy federal is charging illegal fees and refuse to give me my money back
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
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: Subject : Appeal for Debit Card Dispute - XXXX XXXX XXXXXXXX Dear Navy Federal Customer Support , I hope this message finds you well. I am writing to appeal a recent decision regarding a disputed debit card transaction made through my Navy Federal account. The transaction in question is related to a charge from XXXX XXXX XXXX in the amount of {$540.00}. To provide you with an overview, I filed a claim against this transaction as I never received my router that I ordered from XXXX. However, I recently received notification that my claim has been denied. The reason provided was that no error was found, and Navy Federal is unable to process the claim in my favor. The response also suggested seeking resolution directly with the merchant. While I understand the outcome of the investigation, I firmly believe that there has been a misunderstanding or oversight in this case. I have made multiple attempts to resolve the issue directly with the merchant, but unfortunately, I have not received a satisfactory response or resolution. I kindly request your assistance in reevaluating my case and reconsidering the denial of my claim. I have attached all relevant documentation, including proof of purchase, communication attempts with the merchant, and any other supporting evidence that may aid in the investigation. As a valued customer of Navy Federal, I have always trusted in the integrity and fairness of your dispute resolution process. I kindly request that you review my case once again, taking into consideration the evidence provided. I believe that a thorough reevaluation will reveal the validity of my claim and the need for further action. I understand that Navy Federal is committed to providing excellent customer service and ensuring customer satisfaction. I have been a loyal customer for a significant period of time, and I trust that you will give due consideration to my appeal. I kindly request that you initiate a comprehensive review of this matter and take appropriate action to overturn the previous decision. This may involve revisiting the evidence provided, contacting the merchant on my behalf, or any other necessary steps to ensure a fair and just resolution. I appreciate your attention to this matter and your prompt response. Please do not hesitate to reach out to me if you require any further information or clarification. I look forward to a favorable resolution to this dispute. Thank you for your understanding and assistance. Sincerely,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Approximately 18-24 months ago we started receiving letters from Navy Federal Credit Union ( NFCU ) about the vehicle title to our XXXX XXXX XXXX . The letters had stated that they have not received our title from the Florida DMV and that we needed to call the DMV to request that it be sent to NFCU showing they were the first lienholder. We called the DMV on numerous occasions and were told that the title states that they are, in fact, first lienholder ( which we have known since purchasing the vehicle ) and that it is an electronic title and NFCU has the ability to pull that information from their database and they will not release the title to myself and my husband. When I called to notify NFCU about this ( on numerous back - and - forth phone calls over the course of 6-8 months ) each time we were told it would be handled but months would pass and we'd receive another letter. The most recent letter we received in XXXX stated that if we did not resolve this issue of the title, they would transfer this loan into a personal loan with a rate of XXXX % ( up from our 2.5 % ). This prompted us to call AGAIN and we sat on the phone for over 2 hours discussing this issue and how to resolve it as there is absolutely NOTHING further we are able to do on our end. They said it looks like there was a " coding '' issue and notes were taken down on our account. I even sent over proof they were listed as first lienholder with documentation from the DMV ( not a physical title ) showing them as first and only lienholder. I was assured numerous times during the end of this call that she had managers on board with this, everyone was aware and that they would take care of this and to not worry and we hung up. We stopped receiving letters and figured this was fixed ; as we were assured ... We logged into our mobile banking app to discover they had jacked up our rate and transferred it to a personal loan. We called again last week or two ago to discuss fixing it but the title department was closed and we were told, yet again, this would be fixed and that she didn't have access to fix these issues. Now we have STILL not heard back after being assured she was contacting the title department. This has been ongoing for so long and we have been very patient, as we do truly love Navy Federal as an organization. They have always had phenomenal customer service and treated us very well and we would love to continue to bank with them. However, this particular issue and the lack of urgency and follow-up is concerning to me. I have never been delinquent on any loan or payment, I have provided the proof they asked for and have always been understanding with them on the phone but this is just going on for too long and we have no where to turn for a resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: REF : Property at XXXX XXXX XXXX XXXX, XXXX Florida XXXX. Appraised at {$720000.00} Subject : Urgent Matter Regarding Navy Federal Credit Union 's Failure to Disclose Home Purchase Loan Requirements and Harm Caused to a XXXX Veteran Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health and spirits. I am writing to bring to your attention a distressing matter involving Navy Federal Credit Union ( NFCU ) and the difficulties I have faced in securing a home purchase loan as a XXXX veteran. As a veteran with a XXXX % XXXX, I have always been proud to have served my country and equally grateful for the benefits that have been provided to support my well-being. Having recently decided to purchase a home, I believed that obtaining a home purchase loan from Navy Federal Credit Union, an institution widely recognized for its commitment to veterans, would be the most suitable option. My experience with Navy Federal Credit Union began with enthusiasm, but unfortunately, it took a frustrating turn due to their failure to disclose all the necessary requirements for the home purchase loan in a timely fashion. During the loan application process, I was not fully informed of specific documentation and other critical that were required for funding approval. As a result, the loan process was unnecessarily delayed, causing severe harm and distress. The undue delay in funding my home purchase had several significant adverse consequences : 1. Emotional Distress : The constant uncertainty and XXXX caused by the delayed loan approval severely impacted my emotional well-being, exacerbating the challenges faced due to my XXXX. 2. Financial Strain : The delay in funding disrupted the entire home buying process and led to additional costs, including extension fees for the closing period and increased interest rates, which further strained my financial resources. 3. Lost Opportunities : Due to the delay, I missed out on other potential home purchase opportunities and experienced further financial and emotional distress trying to identify new suitable properties. 4. Impact on Family : My family 's living situation was adversely affected due to the prolonged uncertainty, leading to increased stress and instability. Sincerely, XXXX XXXX XXXX XXXX XXXX. Email : XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Attached is a copy of a check from NFCU/Navy Federal Credit Union bearing my alleged signature. Also, attached is a promissory note ( a copy ) unsigned bearing no signature, just alleged loan information i.e. amounts and my personal information. The promissory Note has lined titled " Applicant ( Member ) '' notice it has no signature. NFCU, this is my 18th request of Debt Validation pursuant 15 USC 1692g of the Fair Debt Collection Practices Act. I am asking for a signed original ( bearing my wet signature ) copy of the Promissory Note, Security Agreement and Disclosure loan # XXXX in the amount of {$48000.00}. I am not asking for a copy check ( addressed NAVY FEDERAL CREDIT UNION ) that has xeroxed front and back bearing what is to be my alleged signature. I am asking for the Promissory Note. NFCU is reporting information that it knows is incorrect, false and wrong. According to the 15 USC1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I HAVE INFORMED NFCU 18 TIMES OF THIS ERROR! Yet you report information that is wrong without out proof or investigation. Remove yourselves from my consumer report immediately
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: Navy FederaXXXX has been having my funds on hold for over XXXX weeks today, without any trace of the money or progress thats happening. They initially had {$30000.00} on hold claiming they are waiting on a response from another financial institution. They sent {$6700.00} of it back and still have the remaining balance on hold. They have been unable to resolve this matter within a reasonable amount of time. Its been confirmed theres no fraudulent activity happening and they dont give me a response other than we cant give you a time frame when this will be resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A