Date Received: 2022-11-25
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: On today, XX/XX/XXXX at XXXX XXXX XXXX I contacted Navy Federal Credit Union about my current loan and credit card payment that is past due. I inquired about getting assistance, and I was told that they could not provide me with any assistance until they reviewed my account again on XX/XX/XXXX ( it was posted on their app that they could provide assistance if I had a hardship since I was behind on both of these payments ). The previous time that I called, which was earlier this month, they werent able to provide assistance either. I have also inquired about reducing my monthly payments as I had over a year ago, and they told me that there was nothing that could be done on their end, that I needed to find another part time job or contact my other creditors to see if they could help ( in which they wont ). The only assistance they have offered me was just an extension, which does not solve the problem at all. I have stressed to them months past about this situation because I am on a different income and I can not afford to pay the amounts that they are giving me to pay because it would interfere with other bills that I have to pay, but they dont care, and its causing me more stress than I need.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28304
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I attempted to use a Navy Federal Credit Union ATM in XXXX XXXX, Kentucky with my XXXX debit card. I put in the Navy Federal ATM {$1600.00} all in {$50.00} increments, so a total of XXXX {$50.00} bills. The ATM cancelled the transaction and read that it was unable to complete the transaction and that it was returning my money. The ATM then read that it was unable to return the funds and to contact my financial institution. I immediately went into Navy Federal to raise the issue. They stated that I needed to submit a dispute with XXXX ( my bank ) in order to get the money back. I have tried to do several disputes with XXXX but because the transaction was cancelled, they are unable to see the transaction and therefore can not the transaction. I have went to Navy Federal several times in attempts to get my money back, but each time I go, they tell me that XXXX has to dispute the transaction. Both financial institutions are telling me that I must go to the other to get the money back. Navy Federal verified that there was an overage at the ATM I attempted to use on XX/XX/XXXX. After multiple phone calls with a higher up manger in the Navy Federal Customer Department, she stated that their hands are tied and they can not release my money until XXXX sends something on my behalf.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I hear by putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that Your organization assumes a vital role as a result my livelihood has been adversely affected.There is no such law that States anything that needs to be reported to a consumer report agency therefore your organization is liable Your organization neither exercises its responsibilities with fairness and then partially nor protected my right to privacy. I request you to give me a piece of evidence that the information which is being reported has been properly investigated. It also provides the details of the system adopted by your organization to determine whether the transaction took place or not.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I had XXXX recently and could not pay my payment on time. Due to being sick and not answering the phone when they called I had a late payment. Not from being negligent but from being XXXX. I. I ask XXXX do they ever remove late payments. I was told no which I know is not true and I have documentation to prove it. I have worked really hard my credit and this one mishap from being sick wipes all my hard work away. Could you please consider removing the recent late payment. Thank you!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am very disappointed that Navy Federal is casting misleading mortgage loans regarding their military choice loan. My husband and I were pre-approved for a loan over the phone with Navy Federal Credit Union. We disclosed all of our information and the address of the perfect second home we found for ourselves in XXXX XXXX, Maryland. At first, my husband, XXXX, was only going to be on the loan because he had a higher credit score. The phone contact said XXXX, on his own qualified for the loan because his XXXX was low enough. We put the offer on the house and were accepted/under contract. Once we got assigned a loan officer, XXXX XXXX, XXXX # XXXX, told us that I would have to be added to the loan because his XXXX was too high for that type of loan. I was confused. At this point, XXXX had only talked to my husband. I called XXXX and tried to clarify why it would be any different since we disclosed everything on the phone. He made an excuse that it just got to his desk so that he couldnt process it yet. We were already pre-approved at this point. He told me he would send me the information to get added to the loan. I never received his email. I called him five days later and asked him where the email was. He said he sent it to me. I never received it. I asked him if XXXX could stay on loan without me getting added on there because of the credit score and asked him again to clarify why it was different. He said it was too late because he had already pulled my credit and added me to the loan. I said okay, well, what are the interest rates looking like, knowing that the interest rates would now go off of my credit score. He stated that interest rates dropped and were at 8.00 % now. I said great! Is there any way to lock in our rate now? He said yes, we could that we were locked in at 8.00 % and could go down to 7.5 % if it dropped again with the freedom lock. I then got a call two days later, and he said, btw, we are back up to the 8.6 % interest rate because rates went back up again. I said, how is that possible when we locked in the other day on the phone? He acted clueless and said we had to get the 8.6 % interest rate. I then went to his supervisor, and she claimed that XXXX said he never said that and that I misunderstood him. I told her to pull the tapes!!!! I know what he said and he is lying trying to cover up what he said. She said she never had any complaints with him so she was surprised about it. I told her it really didnt seem like he knew what he was doing and is calling me liar instead of admitting he made a mistake. I told her, I would give him another chance and move forward with him. We then get to underwriting and was told our loan was going to get denied because it was within XXXX of our primary home. At this point we paid for inspections and under contract for XXXX weeks. We also were never told there was a requirement of distance throughout the process. We were mislead. We needed the 2nd home to help with our crazy schedules and having family there. We wrote a letter of explanation and still was denied and said it was an investment property which is further from the truth and what I believe a cover up because XXXX and the Navy Federal team put out falsified information. When also trying to get information from XXXX about getting an answer from the underwriters after he told us that we were going to get denied because of the XXXX radius rule, he told us that he resubmitted our loan with the explanation letter we wrote and should have a turnaround time of Monday ( it was Friday XXXX 2022, and he said he submitted our documents on that Saturday XXXX 2022 ). Turns out, his back up, XXXX, told us that he never submitted it when he said he did and it was submitted by him on that Monday that I called her to find out what was going on. Another lie from XXXX. We are out of money from this. If the company was up front about there so call XXXX radius rule which is not stated on their website under the military choice requirements nor was it a pre-approval question, we wouldnt had spent money, have our credit pulled and credit score dropped, or get our hopes up about the property. We are also not able to get the second home that we need to support both my husband and I being in the military and trying to support family and keeping our dogs in a good place. I would like the company to review the voice transactions with XXXX that we had over his work cell phone number and also his work number to show that we were misled in this home-buying process. XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21403
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: As dated XX/XX/2022, I, XXXX XXXX, Consumer, am aware that Navy Federal Credit Union are taking funds out of my account. See attachment. However, Im aware that Navy Federal Credit Union has closed my account ending in XXXX due to an alleged debt of {$200.00}. However, I have a very simple question for Navy Federal Credit Union, ( 1 ) Does Navy Federal Credit Union comply with Generally Accepted Accounting Principles ( GAAP )? This is a very simple question. Yes or no, Thanks, sincerely. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Navy Federal Credit Union has restricted my user account, all because my latest credit card billing statement was due in the amount of {$250.00} on XX/XX/XXXX, and payment on the credit card wasn't until XX/XX/XXXX. This is predatory, malicious, and repetitive behavior from this institution. I have been a member for almost 5 years now. I know that they are not allowed to conduct business in such deceptive and incorrect ways. My entire user account is listed as being delinquent, however, I paid the Cash Rewards card and according to the message I received from Navy Federal, my payment on the XXXX XXXX is not due until XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened a checking account with Navy credit union in XXXX. I gave the teller all of my information and she claimed the machine that issue the debit card was not working, she gave me a card with a number to call the company that issues the card which I did. After a week of not receiving the card I went to the bank and got another card. I later found out the {$5000.00} dollars that I deposited was depleted in one day around the city of XXXX XXXX. The bank investigated and saw an older female using the card at ATMs. They questioned me as if l gave that person my ATM card, whom I did not know.The teller and I were the only people who knew the code # and my zip code. I also did not receive the card in the mail because it was already activated by the teller at the credit union. Even if I dont get my money back, I want others to be aware of employees at banks and giving them personal information to get into your accounts. This is my third attempt to retrieve my money, I also wrote an email to the CEO of the credit union. I have not heard anything back.Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My NFCU XXXX XXXX XXXX is a frozen state despite it showing on my credit report as an active charging card. I have made payments for YEARS and do not have access to any of these funds. NFCU is engaging in fraud. This is the same issue I have with my Checking Line of XXXX. NFCU keeps these dead accounts open on their balance sheets but don't allow consumers to access these funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A