NAVY FEDERAL CREDIT UNION


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"Products" offered by NAVY FEDERAL CREDIT UNION with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Rental debt
Debt collection - Telecommunications debt
Debt or credit management - Debt settlement
Debt or credit management - Mortgage modification or foreclosure avoid
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - VA mortgage
Other financial service - Check cashing
Other financial service - Debt settlement
Other financial service - Traveler’s/Cashier’s checks
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Other advances of future income
Payday loan, title loan, personal loan, or advance loan - Payday loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - General-purpose prepaid card
Prepaid card - Gift card
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

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Complaint ID: 8126198

Date Received: 2024-01-08

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: We have banked with NFCU for over 40 years. We have 2 credit cards with NFCU. I am trying to pay off the balance in full via their own website from an outside account. I am not allowed to pay off the balance in full on the website. NFCU says is because of ach rules and limits. They stated that I can pay it off in {$10000.00} increments over several days. When I attempt to set this up on their website, I am not allowed after XXXX attempts - because only {$30000.00} can be sent in 5 days. The conflict comes in that they benefit financially from keeping me from paying off my debt. If I want to pay it all off today, I will have to wire the funds to a NFCU savings or checking account, incurring a wire fee. So, the banks all make money and the consumer stays in debt.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: FL

Zip: 33566

Submitted Via: Web

Date Sent: 2024-01-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8125817

Date Received: 2024-01-08

Issue: Problem with a company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: I recently discovered that NAVY FCU has reported inaccurate information to the credit reporting agencies. This erroneous reporting has not only damaged my credibility but has also caused significant financial and emotional distress. According to the regulations outlined in the XXXX XXXX XXXX XXXX, furnishing inaccurate information to consumer reporting agencies is strictly prohibited. NAVY FCU has a legal responsibility to ensure that the information they provide is accurate. However, they have failed in this duty. NAVY FCU has reported a debt as part of my credit history, which is inaccurate. As per the guidelines of the Internal Revenue Service ( IRS ), canceled debts should be reported as gross income on tax returns and not as debts on consumer reports. Therefore, the reporting of this account as a debt is incorrect and goes against the established regulations. As Defined by The IRS Even if you didn't receive a Form XXXX, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By XXXX XXXX IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. Furthermore, I have not received a Form XXXX from NAVY FCU XXXX which is required if the canceled debt exceeds {$600.00}, as per the IRS guidelines XXXX This form is crucial for accurately reporting taxable income. I am deeply disturbed by this incident and the impact it has had on my financial well-being. I am taking steps to rectify the situation and ensure that my credit report reflects accurate information.

Company Response:

State: TX

Zip: 77090

Submitted Via: Web

Date Sent: 2024-01-08

Company Response to Consumer: In progress

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8125635

Date Received: 2024-01-08

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: This matter was taken to court and on XX/XX/ a Motion to set aside default and Motion to dismiss on XX/XX/ was granted. So I want this matter off my record immediately please.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: CA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2024-01-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8124138

Date Received: 2024-01-08

Issue: Getting a credit card

Subissue: Application denied

Consumer Complaint: I recently provided Navy Federal with two promissory notes/ securities which gave Navy Federal value. According to Note 4 : Loan Sales and Continuing Involvement in Assets Transferred of Navy Federal annual report it states : " The XXXX and XXXX generally securitize loans into mortgage-backed securities that are sold to third-party investors in the secondary market or retained by Navy Federal for investment purpose . Seeing that the promissory note/securities for a Navy Federal Flagships Reward Credit Card & {$50000.00} personal loan gave Navy Federal value to exchange on the secondary market. In good faith I hereby demand Navy Federal Credit Unions Lending Team ( Fiduciary ) to approve both applications. If my applications can not be approved, Then I kindly instruct Navy Federal Credit Union to rescind my applications.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: NJ

Zip: 07307

Submitted Via: Web

Date Sent: 2024-01-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8123795

Date Received: 2024-01-08

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: THIRD PARTY- XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- NAVY FEDERAL CREDIT UNION is breaking the consumer law pertaining to : NAVY FEDERAL CREDIT UNION XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX : XXXX CARD HOLDER!

Company Response: Company believes it acted appropriately as authorized by contract or law

State: TX

Zip: 77004

Submitted Via: Web

Date Sent: 2024-01-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8122644

Date Received: 2024-01-08

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: THIS COMPLAINT IS TO PUT THE CFPB ON NOTICE OF MY BILLING ERROR NOTICE TO NAVY FEDERAL IN WHICH THEY FAILED TO RESPOND TO ACCRODINGLY AS STATED IN THE LAW FOR RECORD PURPOSES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -NAVY FEDERAL YOU HAVE BEEN PUT ON NOTICE UNDER A BILLING ERROR ON MY CREDIT ACCOUNT WITH SPECIFIC LAWS THAT GOVERN YOUR OBLIGATION TO PERFORM. YOU HAVE RESPONDED WITH MARKING MY CREDIT PAST DUE AND DOUBLING THE AMOUNT DUE. THE LAW ESPICIFICALLY STATES ONCE A BILLING ERRE DISPUTE IS EXPRESSED COLLECTION ON THE ACCOUNT SHALL CEASE UNTIL THE ISSUE IS RESOLVED. IF YOU FRIVILOUSLY SHUT MY ACCOU T DOWN DESPITE RECEIVING NOTICE OF A BILLING ERROR AND NOT RESPONDING TO IT ACCORDINGLY YOU WILL LIABLE FOR STATUTORY DAMAGES AND WILL RISK FORFITURE OF COLLECTING ANY RECEIVEABLES. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -IF THE PERSON ADDRESSING THIS COMPLAINT HAS NO KNOWLEDGE OF THE LAW PLEASE FORWARD THE COMPLAINT TO " XXXX XXXX XXXX WHO DOES BECAUSE IGNORANCE OF THE LAW IS NO EXCUSE TO VIOLATE IT AND CAN RESULT IN MATTERS ESCALTING. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PLEASE ADDRESS THIS MATTER PROPERLY WITH NO BOGEZ LETTERS NOR MINIMUL EFFORT. THANK YOU KINDLY.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: CT

Zip: XXXXX

Submitted Via: Web

Date Sent: 2024-01-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8122240

Date Received: 2024-01-08

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: I received a credit monitoring alert as to two inquiries furnished on my credit profile which was done so without my written or verbal consent. Per 15 USC 1681 I have the right to privacy and also fair and accurate reporting to my consumer credit profile and in this case my consumer rights were violated.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: FL

Zip: 329XX

Submitted Via: Web

Date Sent: 2024-01-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8121628

Date Received: 2024-01-08

Issue: Applying for a mortgage or refinancing an existing mortgage

Subissue: Application denials

Consumer Complaint: On XX/XX/XXXX, my XXXX ( XXXX XXXX, XXXX ) & I applied for a mortgage online on their website. The loan number assigned was # XXXX. We received an automated email & later received an email from XXXX XXXX explaining the process. During our application process, I uploaded letters explaining our situation regarding jobs, child support, etc. XXXX never said anything about what I uploaded. She simply referred our application to underwriting. I don't even think she read any of the attachments or I am sure she would've asked for clarification before sending to UW as a prudent worker would. I was then shocked to receive 2 denial package emails on XX/XX/XXXX @ XXXX XXXX and XXXX XXXX saying the wrong denial reasons for me. This complaint is only about my part of the application because I can't speak for XXXX 's credit. The denial letters indicate the 2 principal reasons for my denial as : 1. Delinquent past or present obligations & 2. Excessive obligations in relation to income. This is why I am complaining. # 1 - My credit is excellent. I do NOT have a single delinquency, judgment, or collection on my credit reports. So, they are clearly referring to someone else. That reason does no refer to my credit profile at all. I have almost an XXXX credit score. What delinquency are they thinking they are seeing? I only use 2 % of my credit limit on top of that. So, this is a complete lie! # 2 - I do not have excessive obligations in relation to my income. The only debt I have is student loan debt which normally my monthly obligation is {$0.00} per month on the Income Based Repayment Plan but now it is around {$110.00} mo ( they should be using what my loan servicer requires me to pay ; not some made up amount that they come up with based upon the balance of my student loans when I will eventually be using the XXXX XXXX XXXX XXXX program ), a personal loan with XXXX with a payment of {$1200.00} mo., a XXXX XXXX car loan for XXXX mo, & a small balance on my XXXX credit card. I was never told my options should I pay off my credit card and car. They just denied me using someone else 's credit profile. I thought underwriting would normally give a customer their options before just kicking them to the curb, but I guess not. I could see if my credit was as they indicated, but it is the polar opposite which is why this is so disturbing to me. # 3 - On their denial notice, they listed my credit score as XXXX, which was even lower than my XXXX app showed when I applied. They listed that the reason my score was this amount was because of : Too Many Accounts with Balances ( untrue ), Too Many Inquiries Last 12 Months ( untrue ), Too Many Accounts Recently Opened ( untrue - literally only have 1 or 2 new accounts which are the personal and auto loan. The auto loan is almost paid off. ), Ratio of Balance To Limit On Bank Revolving Or Other Rev Accounts Too High ( untrue - My balances are EXTREMELY low on my revolving accounts. I use about 2 % of my available credit. So, I do not understand this! ) I have worked so hard to have excellent credit & to have XXXX XXXX deny me for reasons that don't apply to my credit profile is very disturbing. I pay all of my debt on time, and I shouldn't be penalized for anyone else 's credit issues. # 4 - The last issue that I have is when I went through their application process online, it never said that they'd be pulling my credit from multiple credit report agencies. I only applied for a prequalification to see where we stood in attempting to purchase a home together. I just found out that they pulled my credit with XXXX AND XXXX. The 2 denial notices they emailed me on XX/XX/XXXX indicated that they only pulled XXXX. I didn't give them permission to pull from everywhere just for them to still get my credit score wrong & deny me for a reason that doesn't apply to what they are even looking at for me. They need to delete that XXXX inquiry! The documents I reviewed and electronically signed did not say that they would be pulling from multiple companies. They are not transparent & this is unethical. This entire process has been a nightmare because they get you to go through the entire process, pull your credit, and THEN require you to pay almost {$45.00} to continue going through the process. Had I known they were going to use someone else 's credit report information after pulling mine twice and still deny me, I would've never paid them. Then to send me 2 emails at XXXX XXXX & XXXX XXXX makes me believe that someone was working the overnight shift and was tired which caused them to make that huge mistake on our application. When I decide to go through this process again, I will definitely not go through NFCU.

Company Response: Company believes it acted appropriately as authorized by contract or law

State: NC

Zip: 27545

Submitted Via: Web

Date Sent: 2024-01-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8121536

Date Received: 2024-01-08

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: XXXX * CORRECT MY NAME ( XXXX XXXX XXXX XXXX ) * DELETE PREVIOUSLY EMPLOYERS * ADD THE CORRECT EMPLOYER ( XXXX XXXX ). PLEASE DELETED ALL ACCOUNT THAT ARE ATTACHED TO THIS NAME, CURRENT AND PREVIOUSLY CURRENT ADDRESS AS WELL AS EMPLOYER. XXXX * CORRECT MY NAME ( XXXX XXXX XXXX XXXX ) * PLEASE CORRECT MY DATE OF BIRTH ( XX/XX/XXXX ) * PLEASE DELETED CURRENT ADDRESS ADD ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) * PLEASE ADD MY EMPLOYER ( XXXX XXXX ). PLEASE DELETED ALL ACCOUNT THAT ARE ATTACHED TO THIS NAME, CURRENT AND PREVIOUSLY CURRENT ADDRESS AS WELL AS EMPLOYER. XXXX * CORRECT MY NAME ( XXXX XXXX XXXX XXXX ) * DATE PREVIOUSLY ADDRESS * ADD MY CURRENT EMPLOYER ( XXXX XXXX ) PLEASE DELETED ALL ACCOUNT THAT ARE ATTACHED TO THIS NAME, CURRENT AND PREVIOUSLY CURRENT ADDRESS AS WELL AS EMPLOYER. PLEASE SEE ATTACHMENT!!!

Company Response: Company believes it acted appropriately as authorized by contract or law

State: FL

Zip: XXXXX

Submitted Via: Web

Date Sent: 2024-01-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8121074

Date Received: 2024-01-08

Issue: Getting a credit card

Subissue: Card opened without my consent or knowledge

Consumer Complaint: An account was opened in XXXX of 2017 and it was not authorized by me and it is currently closed. I have been trying to get the situation resolved since then

Company Response:

State: MS

Zip: 386XX

Submitted Via: Web

Date Sent: 2024-01-08

Company Response to Consumer: In progress

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.