Date Received: 2023-05-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage loan will be satisfied completely XX/XX/XXXX. My payment for taxes and insurance are both due annually in XXXX. they were paid in XXXX and will be due again XXXX. I requested to stop escrow deductions and return balance in escrow. I was told by someone on the phone I can submit the request in writing and this will be done. I did so XXXX XXXX at the Branch on XXXX XXXX in zip code XXXX. The person stated that I have to wait until after loan is paid off and I will be refunded I think she said 7-10 days afterwards. I have made two more requests directly via my account. Last month I paid only principal but the bank took the escrow out of my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I am in the medical field as a XXXX and ever since XXXX, nothing has been right with my finances. It has been difficult and caught in a spiral. My income has been down and I am currently overwhelmed with debt.Yes, it would be easy to file bankruptcy and " charge off '' my debt, however I choose to try to work hard and make this work so that my debtors will not regret their trust in me. Even if it means that I eat less and help my child going thru college less. Because of this I still have 100 % on time payment history on my credit report. I have not yet let anyone down. That being said, I have explained this to Navy Federal over my credit card when I was hit worst back in XXXX of XXXX at that point they were getting XXXX a month from me and I simply could not do that anymore. We have agreed to close my account and they put me on a " lowered payment '' for a year. And said that we would " revisit this in another year '' ( In which I would have to apply for assistance again. I don't know who does this after an account is closed, but apparently they are the only ones who do. I have spoke to several Credit counselors and said they are unsure about this practice. Usually when someone closes their account the goal is to collect the principle ( maybe some interest ) and move on. Not Navy Federal. They put me on a " plan '' of $ XXXX since then. EVERY year at some point my payment baloons from $ XXXX to more than double! Like $ XXXX or more! I have called every year to explain that I can not make the payment in all honesty. This year they wont do anything about it. They " financial counselor '' chastised me. Made me feel like less than a person. Embarrassed me and at the end of the day refused to lower the payment. I have called and tried to speak with them since I recieved the bill. Basically a XXXX weeks ago. Every day trying to get in touch with that department. Spending hours on hold or talking to people that cant or wont help. No one will help or even talk to me at all. I asked for a manager in which they either claimed there was NOT one OR that they would call me back. Never did. Sice XX/XX/2021 I have paid $ XXXX on their lowered plan like clockwork. Never late, always on time. I have noticed that after every payment there is NO balance. Meaning its interest. I have been on a hamster wheel and balance is only going up even after all the payments. They can pull my payment history and see for themselves. I dont understand. If the account is closed and I tell you how much I can pay, why not take it and help me find a way that I can eventually pay this off even if it takes years instead of getting nowhere. I cant believe this is how they treat military families. I dont know what else to do besides not pay anything so that maybe someone will call me back to discuss this and help me to get this paid and not by a payment that I honestly can not afford that is XXXX more than I was paying on a CLOSED account. This really is taking advantage of people and predatory practice if they are doing this to other hard working and honest people.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX You are in Direct Violation of The Fair Credit Report Act ( ) has violated several of my rights. 15 U.S.C. 1681 section602 A. Clearly states that I have the right to privacy. 15 U.S.C.1681 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. 1666B : A creditor may not treat a payment on a credit card account under an open-ended consumer plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX XXXX I brought {$890.00} dollars cash to Navy Federal Branch XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Virginia XXXX. After giving the cash to the teller, he put the money into the bank teller cash counting machine. The machine counted the money. The money was deposited into my account and upon receiving my funds receipt the total amount deposited was {$590.00}. I brought it to the attention of the teller and bank manager. The bank manager completed an audit of the machine and said the machine did not make any counting error. I have not repercussion for the approximate XXXX dollars missing. I am not convinced the machine audit was done by a human and the counting machine is still making the same mistake.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 810XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Multiple deposits and withdrawals came from my account by the way of ATMs. I was not in the same state the deposits and withdrawals took place in. XXXX XXXX multiple deposits and withdrawals came from my account. I put in a fraud claim and they handled it and credit my account of {$2800.00}. XX/XX/XXXX the fraud people withdrew that credit of {$2800.00} leaving my account in the negative. XX/XX/XXXX a {$7800.00} check was deposited ( the bank agreed that was fraud, but {$8.00} worth of items were bought at a gas station that wasn't me. XX/XX/XXXX {$180.00} was withdrawal. In the documents attached you're going to see my whereabouts during all these transactions. Even an app called XXXX was tracking my movements for three days ( XXXX XXXX ) stating that I was in Florida. I have a XXXX delivery on XX/XX/XXXX and XX/XX/XXXX showing that I was home in Florida. I have grocery store runs ( XXXX XXXX XXXX ) during the dates of XX/XX/XXXX and XX/XX/XXXX being in Florida. I have video evidence of me going to a cafe on XX/XX/XXXX in Florida. I have XXXX XXXX on XX/XX/XXXX of me being in Florida all day. All of those transactions taken place in Georgia was not me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33881
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX first application was for a VA loan 5 % XXXX my house in XXXX Ohio in VA loan with XXXX fell out of contract ( buyer had financing problems and cancelled ). so XX/XX/XXXX second application did joint Conventional to include daughters income so XXXX stay low with XXXX loan. Underwriters rejected saying dormer income. on XX/XX/XXXX talked with XXXX XXXX ( assigned Mortgage officer ) who went over rates and the lowest was on website 4.375 % with 10 % down on XXXX arm so I did 3rd application and went over all numbers with XXXX XXXX with XXXX ( 10 % ) down and we were waiting for appraisal. on Monday ( appraisal financing contingency expired, so seller granted me extension till XX/XX/XXXX on financing ). application resubmitted and denied " adverse information. XXXX XXXX would not followup and had the first application resubmitted as the amount was XXXX and 6 %! that is not the rate she told me and what was online. So I called her supervisor XXXX XXXX who would not return my calls. on Tuesday morning emailed XXXX XXXX XXXX the numbers incorrect and this is Lending discrimination. We were approved with the same income XX/XX/XXXX to purchase a house XXXX XXXX and all rents were used ( 75 % of XXXX ) and we had to submit tax returns, 3 months bank statements, and all 5 leases ( which were accepted income ). We also were given the correct rate on prior approved loans. NFCU has had lawsuits on underwriting discrimination and know we are victims. All of our savings is in Navy Federal Credit Union and it is over {$300000.00}. After finally talking to XXXX at XXXX on Tuesday ( after 4 emails begging to talk to her ) she says the file marked closed and rejected because of XXXX. the system shows XXXX loan and 5 % down and rate 6.1 %. She saw the rate online which I screenshot and emailed we can put upto 20 % down. We also just got the appraisal in at XXXX so now contract price has to be lowered. So she said there was nothing she could do and stated she could not get into the file. The rate is wrong being inputed by the UW, the amount is wrong, and the product is wrong. So I emailed XXXX XXXX ( ccd Corporate VPs found on XXXX XXXX XXXX and XXXX XXXX XXXX. The email listed all of our joint income is {$18000.00} a month, XXXX my Grandson ( if he needs to be added ) and all the expenses on each property. We have over {$300000.00} in NFCU savings, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( over XXXX min ), and 2 properties with no mortgage. NET worth about XXXX and this is extreme discrimination for a loan of only XXXX when we have that much in savings! our XXXX is XXXX and the cap on XXXX XXXX XXXX XXXX XXXXs XXXX. My daughter XXXX XXXX used to work for XXXX 28 years, she did the calculations and said NFCU is violating " The Fair Housing Act ( FHA ) 1. The Equal Credit Opportunity Act ( ECOA ) 2. The Community Reinvestment Act ( CRA ) 3. '' she told me that if they dont give us the loan to take all our moeny out and close accounts because this is Overt Discrimination, Disparate Treatment and Disparate Impact. Tuesday evening after cc Corporate VPs XXXX XXXX and XXXX XXXX, a liaison called XXXX XXXX. She pulled up denied application and stayed on the phone 90 minutes going over calculations and it did not make sense. the wrong rate was put in and the downpayment still showed 5 %. New information about the gap in rental income XXXX I had to email her Building plans and the 1 time Capital improvement, those costs were deducted from rental income. So the UW did not know that and I emailed XXXX as the file was closed not allowing us to upload new information. They were suppose to send us Conditional approval stating loan could be done if more down, or if pledge loan paid off or any information what to do to continue. They just closed the file and rejected us and they never did that before. it was an unwarranted and violation to us. my Grandfather was a member, my mother was a member, my daughter and grandchildren member so we dont understand the grounds of denial. I get 2 pensions directly from the government every month XXXX and my daughter SSD XXXX, I even offered the auto payment directly out of XXXX account is XXXX! We get XXXX every month regardless to rents so there is no risk! Wednesday afternoon me & XXXX went over all the numbers : XXXX pensions XXXX SSD XXXX ( suprvr UW approve 75 % of leases rent income XXXX XXXX ) XXXX income XXXX XXXX XXXX XXXX insurance taxes hoa XXXX XXXX XXXX XXXX ins hoa * NO MORTGAGE XXXXXXXX XXXX XXXX tax + ins * NO MORTGAGE SALE PRICE IS NOW XXXX 10 % XXXX LEAVES {$320000.00} YESTERDAYS RATE 4.625 % no discount points XXXX could not get UW to approve, they keep putting 6.1 % a higher rate ( which is usually done to applicants with bad credit ) **THIS IS ONE OF THE PROBLEMS THE UW PLUGGING IN WRONG NUMBERS ON PURPOSE SO WE GET HIGHER PAYMENT AND DTI WRONG THE PAYMENT SHOULD BE {$1100.00}. THEN XXXX XXXX {$1300.00} ( WHICH WILL BE SOLD IN XXXX AND WE WILL PAYOFF THIS LOAN OR JUST REFI INTO A VA LOAN IN 6 MONTHS THIS WILL BE PAID OFF ) DEBT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- XXXX debt to income {$15000.00} x XXXX XXXX {$4400.00} NFCU must re-underwrite the last application since there is new information and this extenuating circumstance is present. Lending discrimination occurs when a credit decision is based on factors other than the applicant 's creditworthiness. THIS FEELS LIKE LENDER DISCRIMINATION. THE AMOUNT WE ARE ASKING FOR IS IN OUR SAVINGS. WE DID NOT WANT TO PAY CASH AND HAVE NO SAVINGS. IF HEAD UW APPROVES RATE 10 % DOWN AT 4.625 % THE LOAN SHOULD BE APPROVED TODAY. IF NFCU refuses to re work the application, then NFCU will get fines and penalties, litigation, and reputational harm to the lender. I will consult with a lawyer if this decision is not reversed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is regarding unauthorize charges on my checking account access number XXXX that started XX/XX/2023 of XXXX with out my express written consent on XX/XX/XXXX I contacted navy federal credit union which has XXXX XXXX dollars in assets on the books and It is the largest credit union in the world has ignored the banking laws 12 USC 144,15 USC 1692 and regarding unauthorized withdrawl on my account i was informed that they would call me back two days later XX/XX/2023, consumer called and wasf told that there was nothing consumer could do about the unauthorize charge of XXXX. Consumer called again to navy federal credit uion and tried to get a resolution, they stated that it was already posted and moneys was already taken. This was done without notice. or due process, The Consumer is seeking remedy in the fact that consumer is an asset on the books, The the full amount XXXX should be return to the account access number XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 744XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: It would have been my preference to share this story directly with NFCU 's XXXX XXXX, however, they do not publish contact information for that committee and customer service declines to share it with me. I have had issues with payments to my XXXX XXXX from XXXX XXXX being delivered late by NFCU 's bill payment vendor, XXXX. When scheduled, those payments indicate electronic delivery. For reasons nobody at NFCU, XXXX XXXX, or XXXX can explain, approximately five days prior to the date I schedule, the payment is converted to a check and sent via XXXX. These conversions have caused my last two payments to arrive late, which has cost me hundreds of dollars in finance charges I would not have otherwise paid, and subjected my XXXX XXXX account to other adverse action. NFCU disclaimers ownership of this problem and sends me to XXXX. XXXX is aggressively unhelpful, they can not tell me why the payments are converted, and they refuse to do make me whole on the finance charges I have paid. They cap their damages at {$50.00} and my losses ( direct and indirect ) are greater than that. In addition, when the payment is converted, I receive an e-mail saying the funds can be withdrawn from my account prior to the date I originally authorized. I believe this is a probable Regulation E violation, to pull money from a consumer 's account earlier than they authorize, but I can not find anyone at NFCU willing to listen to this concern much less act on it. I am willing to share these e-mails with XXXX and CFPB if that is helpful. Most of these issues are with XXXX, my complaint here regarding NFCU is that they are unwilling to meaningfully help with an issue that is directly attributable to a vendor they selected. I did not select XXXX, they did, and I'm not XXXX 's customer, NFCU is. In my only prior occasion where I had issue with a bill payment vendor my financial institution at the time handled it for me, they did not pass the buck to the outside vendor. NFCU is further unwilling to provide me with contact information for the XXXX XXXX, with whom I would like to share this story, including the possible Regulation E violations, in hopes that they could address them at a higher level with XXXX and failing success from that find another bill payment vendor for the XXXX XXXX 's membership.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I'm filing a complaint on Navy Federal Credit Union for continuing to report the following accounts. Accounts ending in the following numbers XXXX XXXX XXXX XXXX were mailed and cashed by Navy Federal Union that stated ACCOUNT PAID IN FULL. Navy Federal Credit Union accepted the terms and cashed the checks.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21801
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I submitted a personal loan request through Navy Federal Credit Union ( NFCU ). Undenounced to me, I had already met the unknown and unpublished loan threshold at Navy Federal Credit Union and was later denied credit. Had I known or had any transparency from NFCU I wouldve never requested a personal loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a personal loan. I'm willing to bring in legal counsel to aid in this resolution if necessary. Remove hard credit pull from all three credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32927
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A