Date Received: 2022-09-09
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I paid off a vehicle consolidation loan with Navy Federal Credit Union. Once the vehicle loan was paid I requested the title I made this request in XXXX of XXXX. I have called NFCU 10 different times requesting the title and I have not received it as of XX/XX/2022. They emailed me documentation which I signed and mailed back to NFCU and I still have not received the title. They damaged our credit due to this loan, now when its time for them to send the title I am getting the run around. I would like the vehicle loan mailed to me with in 7 days.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I opened a checking and savings account and was later denied due to something on a consumer credit report. I provided adverse action letter via certified mail and no response
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Navy federal credit union Please tie this to my husbands complaint XXXX with your agency his name is XXXX XXXX Navy feferal heloc was part of a 2012 foreclosure and should be removed they have retailiated and placed their account twice on my credit report and shown as open. I will file a complaint with the attorney generals officem Also there are 3 hard inquries i teqieated to be removed or send me a copy of a signed application for each. A photo pf both issues attached.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76021
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX, I did 3 transfers from my Navy Federal Credit Union XXXX XXXX XXXX XXXX for {$2.00}, {$3600.00} and {$5000.00} to later find out I was being scammed. I was under the impression I was getting a turn key XXXX. Once I found out that it was a scam I spoke with the bank and explained to the representative what was going on and to try an have my money returned back to me. I was told that I would need to get a lawyer because it was a civil matter. I spoke with several lawyers who reviewed the info I received from XXXX XXXX XXXX and said it was a scam better known as crowd funding and to speak back to my bank to try to get my money back. I spoke back with Navy Federal Credit Union explaining to the representative that my money was sent to a scammer business account there with them but was told its not anything that could be done because I sent the money peer to peer and once I hit submit the money was gone. I was told nothing could be done because it was just like when you send money on cash app or XXXX. I explained to rep I know something could be done because I have sent money to wrong account on XXXX XXXX and was able to dispute it to get my money back. However, my bank is helping XXXX XXXX XXXX steal money from me and numerous of other people. I just want my money back i paid to XXXX XXXX XXXX for a fake XXXX. All, I got was signed contract.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76513
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are hard inquiries on my credit report that I do not recognize. A few months ago a hard inquiry from XXXX XXXX was mistakenly placed on my credit report. I strongly believe the inquiries are on my report without my consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a home mortgage loan through navy federal with a company they have on their portal, XXXX XXXX or something like that around XX/XX/XXXX. I was pre-approved on XX/XX/XXXX, which I then proceeded to find a home. Mind you, at this time no one still has reached out, I had to call NavyFederal myself and ask them what steps needed to be taken to put my pre-approval to use. I told them the name of my loan officer at the bottom, and requested to speak with her, I was then informed that she does not speak with me until I am in contract. Cool, I then proceed to call back and request another representative because again, this is my first time going through this process. I then get a very nice young lady on the phone who told me to find a home and show my pre-approval to my realtor, at this time I did not even know where to locate this letter because I never got an email. However, the same day my Pre-Approval came through, I was charged {$20.00} from NavyFederal for a CBR Fee. Still no response from my Loan Officer at this time. I finally found a home on XX/XX/XXXX thanks to my realtor XXXX XXXX, we placed an offer that same day. However, our offer was not the only one, so we therefore sent a revised offer on XX/XX/XXXX and we were approved. That same day, I called back to NavyFederal and they informed me that the loan officer who was assigned to my case was on vacation. I was then tossed to XXXX XXXX, who was very biased from the beginning of our conversation. I informed her that I found a home, and we placed an offer, and our offer was approved. She then proceed to congratulate me but never offered any information. When I asked her what next steps needed to be taken to work my pre-approval, she asked me how much of a down payment did I want. I told her my offer was for {$3000.00} down, she then informed me that my application was for {$20000.00} but I could do a {$0.00} downpayment. I was very confused and she informed me the difference in monthly payments, with no down payment being {$50.00} more than {$20000.00} downpayment. She ok 'd everything, asked me a few questions, and told me she would be sending over a request for a few documents. I said cool no problem, at the end of our conversation she then procced to ask me which account ( business or personal ) would I be drafting my {$3000.00} downpayment from ( which was used as due diligence ). I informed her I would be drafting the money from my business account via Cashiers check that following morning, which I did. MIND YOU AT THIS TIME SHE HAD NO OTHER DOCUMENTS FROM ME BUT MY PRE-APPROVAL. Why would she request that I spend my hard earned {$3000.00} if I didn't have an APPROVAL only a pre. Nonetheless, I proceeded with the process and sent over my documents. After about a week of going back in forth about documents, and her NEVER CALLING ON THE PHONE. XXXX calls on XX/XX/XXXX and asked me questions about my child support situation with my sons mother. Basically calling me a XXXX, claiming I could not want bills and how do I want a house if I can not even pay for my child. On XX/XX/XXXX XXXX calls to say that " due to my debt to ratio '' I would not be able to use NavyFederal XXXX for financing with my home that I had already started Closing on. She based this opinion based off looking at my information herself, she admitted that she never sent it up the finance team, PLEASE LISTEN TO THE CALL. Nothing I could do at the time but just say okay... I then proceed to ask if my Fianc would be able to cosign on the application, she said YES INSTANTLY. She did not ask any financial questions about my fianc, only to put her name on the application so she could get the credit. My fianc sent up the application that SAME NIGHT, all documents that were requested and everything. My fianc spent the entire next day XX/XX/XXXX calling and emailing XXXX requesting an update on our application, wondering if she needed anything from us. ( Because at this time we are almost at the table to complete our closing, timing is of the essence, especially since they have my {$3000.00} and I THOUGHT I had an approval. ) XXXX proceeds to tell my fianc that she will not be able to use her information on the application due to the length of her employment. We told her we understood and asked about receiving a refund for our {$3000.00} she told us that she will send a denial letter in the mail and we can use that to get our money back from the buyers. And basically just blows us off, she does not call to follow up afterwards or anything... We did not receive a denial letter until 3 weeks later. The application did not close until 4 weeks after she told us we were denied. This later told me to pay the buyer {$3000.00} out of my account before she even ran my approval. She did not try to get me an approval, she based everything off her PERSONAL KNOWLEDGE, which she has NO RIGHT TO DO! She also never reached out to me as the consumer, I also had to call first and get an update. XXXX XXXX was terrible at her 1 Job and I pray that none else has to use her as their loan officer. I am requesting my full {$3000.00} back from NavyFederal due to their negligence, and I also plan to push this issue to the highest extent. There should never be a biased woman such as herself dictating someone's future. I actually am glad I did not approve, I would HATE to be stuck with a company who accepts those type of workers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My card was FRAUDULENTLY charged {$37000.00} by someone and used on XXXX. I never authorized or made this purchase on my account or ANY account. My card was on file with the merchant XXXX but I never made a purchase or authorized a purchase of {$37000.00}. I have filed and have an active FBI Complaint against the company and person I suspect involved as I was the victim of a financial scam that Ive informed NAVY FEDERAL about. My debit card was not in my possession at the time this charge of {$37000.00} was made on XXXX NAVY FEDERAL denied my CHARGEBACK claim for the {$37000.00} and did NOT THROUGHLY INVESTIGATE who made this UNAUTHORIZED and FRAUDULENT charge from XXXX on my debit card. NAVY FEDERAL gave unsubstantiated reasons why they didnt honor the claim, but I was supposed to be covered by their ZERO LIABILITY POLICY and they were supposed to PROVIDE a PROVISIONAL CREDIT and never did that also. I NEVER participated, Authorized, or Approved any charge in the amount of {$37000.00} from XXXX or any other retailer. PLEASE HELP ME and tell NAVY FEDERAL to chargeback this FRAUDULENT and UNAUTHORIZED charge of {$37000.00}. Me and my family are in the process of filing BANKRUPTCY now because of this DEVASTATING FRAUDULENT CHARGE. We are in a lot of DEBT now with multiple CREDITORS. PLEASE return whats rightfully ours.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77803
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # 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 USC 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. 10.6
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 396XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
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: Reopening case # XXXX because attempted at least once a day for the past 3 weeks, but was unable to contact XXXX XXXX at XXXX. It keeps promoting me the message of " You have reached a non-working number at Navy Federal Credit Union ''. Called the number on the back of the card but was unable to locate the person XXXX XXXX in any way, shape, or form.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A