Date Received: 2023-06-18
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: I submitted verified and proper documents ( to NAVY FEDERAL CREDIT UNION ) fraud dept. The financial system my personal information is include into is a system i have no control of who can hget access to at any given point ( Black web, Data Breaches, and online credit card fraud just some examples ). So these issues alone by law ( FCRA act ) .constitutes that i should be by law made back whole before identity frraud occured. The documents submitted via IRS Form : 14039 identitty affidavit/ Nototrized Affidavit of identity FTC report # XXXX Copy of Data Breaches confirmation letter from XXXX and XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: A little over a month ago, I walked into the NFCU branch located on XXXX XXXX in XXXX XXXX, MD, and I waited to be seen by a Mortgage consultant or member service rep. I walked in her office and informed her that I wanted to apply for a mortgage loan. She asked me a few questions and I told her IMMEDIATELY that I'm a member of the HPAP program and I had my eligibility letter in hand to show her proof. She proceeded to immediately say " I don't need to see the paper, your lender will need that, I'm just doing the application with you. '' I said o ok, then she asked for my ID and then she left out the office. Once she came back she gave me my ID back and the said, " I'm sorry but I have a XXXX o'clock appointment and it's XXXX so I won't be able to help you. '' She said you can wait till I'm done which can take hours or come back ''. " She said nobody else there would be able to help me. '' I politely got up and left. But I was upset from her terrible customer service. How did she not know that she had an appointment? I went home and called NFCU to do a mortgage application over the phone the same day. The guy on the line was nice and patient and he told me that he wasn't aware of the HPAP program but will send the application anyway, and he did. The BIGGEST ISSUE I HAVE IS THAT NO ONE, OUT OF 2 PEOPLE HAVE SAID, WE DON'T ACCEPT HPAP, SO I WAITED FOR A MONTH FOR THE STATUS OF MY APPLICATION, I WAS PRE-APPROVED, AND LATER DENIED BECAUSE NFCU DOESN'T ACCEPT HPAP APPLICANTS. MY CREDIT WAS PULLED SO I LOST POINTS DUE THE THESE 2 REPS NEGLIGENCE AND XXXX XXXX AND XXXX XXXX ARE XXXX THEY SHOULD BE FIRED. ITS ABSOLUTELY NO REASON WHY I SHOULD HAVE WENT THRU THIS HEADACHE OF A PROCESS. 4 PEOPLE AT THIS BANK FAILED!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S Code 1681a - Definition ; rules of construction- Exclusions -- Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card or loan account under an open end consumer credit or loan plan as late for purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XXXX XX/XX/2023, I called Navy Federal Credit Union to complete a new home loan application over the phone, as my previous pre-approval expired within the last 30 days. Before moving forward with the application, I clarified to the individual helping me over the phone that I wanted to receive a loan estimate with the updated pre-approval letter. The individual processing my application thanked me for mentioning this early in the application process, as he would need to take different steps to generate this requested document. While completing this application, I provided my name, social security number, address, and income information, along with other items of personal information. When I attempted to provide the address to the home I would like to purchase with the pre-approval letter, the loan officer did not respond to the information being provided nor showed interest in obtaining the property address. I let the associate know the property was listed for XXXX and that I wanted to receive a pre-approval letter for XXXX and another for XXXX. During this process, I repeatedly asked to receive a loan estimate. Each time I requested this document, I was told I would need to submit a contract of an offer to purchase to Navy Federal Credit Union. I was told once Navy Federal received the offer to purchase, a loan estimate would be generated. This has been the same story I have received over and over from Navy Federal Credit Union employees of the mortgage lending department throughout the 8-plus months that I have been trying to work with Navy Federal Credit Union . Often, this has prevented me from submitting an offer to purchase or has urged me to withdraw an offer while under contract. In this one significant incident, I requested a loan estimate and unknowingly received a cost estimate where closing costs reflected approximately XXXX dollars. When I was under contract, near closing, the closing costs estimate jumped from XXXX to approximately XXXX. This encouraged me to withdraw my offer, losing nearly XXXX in closing cost expenses. This continued lack of insight into the actual cost of obtaining a VA home loan with Navy Federal Credit Union has hindered my confidence in purchasing a home. The only document loan officers of Navy Federal Credit Union ( except for XXXX and XXXX ) have been willing to provide freely are closing cost estimate sheets ( regardless of a request for an official loan estimate ). The closing cost estimate sheets provided grossly underestimate or overestimate costs associated with closing. In the past, I have expressed my concerns and frustration over not knowing the loan terms for which Navy Federal associates are requesting I submit a purchase contract. To understand the terms of the loan being offered, I would like to receive a loan estimate to compare offers and decide how best to move forward in my home-buying journey. When I completed the application process on XXXX XX/XX/2023, I did not receive a pre-approval letter or an official loan estimate as initially requested. Instead, I was told there was a glitch in the system that prevented a pre-approval letter from being generated and that I could be provided a cost estimate sheet till a contract for an offer to purchase was received. Only one cost estimate sheet ( processed as a pre-approval cost estimate ) for XXXX was generated and added to my home loan portal. My name is XXXX XXXX My Navy Federal Credit Union ID number is XXXX My phone number is XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20646
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a check deposit in the amount of {$600.00} at the NFCU atm in XXXX XXXX, CA on XX/XX/2023. After finishing making my deposit I checked my receipt and noticed that no funds became available, so when I checked my list of transactions, I didnt see my deposit showing as pending, so I contacted the bank twice and on the second time I spoke to a representative named XXXX XXXX who told me that my deposit will only process on XX/XX/2023, four days later. I asked her why my deposit was not showing even as pending, and she kept repeating that it will only process on Wednesday XX/XX/2023, but she would not tell me why it was nit showing pending or on my transactions records at all. This is the second time in the same week that NFCU does not post my deposits on my account and funds goes missing, becoming not a bank that I can trust with my finances. I am attaching screenshots of atm receipt as well list of transactions, but deposit does not show or reflect pending, and text confirmation of deposit received immediately after making deposit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: n accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX XXXX XXXX have violated my consumer rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) States I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( Section 604 A Section 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes ( they may only report crimes, not debts ) which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My navy federal credit union someone did unauthorized transactions on my account on XX/XX/XXXX I havent used that account in a while and the only way that I found out was because they emptied my moms account because hers is connected to mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX of this year I scheduled a payment with an external account. When I realized that I may have an issue with the external account covering the payment. I called to make the payment. I was told that everything was fine. And they I did not have to pay it again. Eventually I was charged the fee that I was misinformed about. NFCU has refused my request to listen to the recorded call. I was once sent a link to dispute the charge Now I am being told that it can't be disputed after I was sent a link to do. The representative do not directly respond to my questions. As if I can not inquire about my account and money when I was misinformed. Leaving me no other alternative but to file complaints.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I signed up for navy federal 1 week before I deposited a XXXX dollar check. Navy federal didnt restrict my account until I deposited my check into their bank. I visited them to deposit the check. I couldnt deposit it online so I had to go in. Then they closed my account down. Sent my check in the mail. Ive never experienced this before.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The company was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting. Please see the attachments to this comment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A