Date Received: 2022-06-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: DENIAL OF GUARANTEED VA LOAN TO COMBAT XXXX VETERAN : I wish to report that I was denied my request for a guaranteed home loan on XXXX XX/XX/2022 by navy federal cu. I was approved and then disapproved ( as stated by the underwriters ) that I was not qualified. Reasons provided were income debt to ratio and failure to meet occupancy. I am not certain how a barrower can " Fail '' the occupancy test without actually moving into the property. Secondly, the bank loan officer continued to ask personal questions regarding my purchase. I requested validity to the questions ( in writing ), but neither the loan officer or the underwriters responded to my request. The loan officer repeatedly called me and would NOT respond to my questions in writing. This event ( denial ) occurred exactly one week before closing on the home. I am sure that this matter is a violation under the Fair Housing Act. I will be submitting this memorandum to my Congressman and Senator. Additionally, I am seeking Counsel and will be filing like complaints with the VA and HUD. I eagerly look forward to hearing from your office. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX )XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity was stolen 2 years ago and several accounts where open in my name I have no knowledge of the accounts. All fraud navy federal account is fraud, XXXX XXXX account is fraud. XXXX account is fraud and there are several others I have no credit card or debt. My score was originally XXXX now is XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX I deposited a check that found out later to be a fraudulent check, that I received for a job that I applied for on XXXX and was told to cash the money once the funds were available and that happened on XX/XX/XXXX and deposit that cash into a Bitcoin ATM, on XX/XX/XXXX in the morning the check was returned and funds were talking out my own money, I contacted the bank Navy federal Credit Union and was told by them that they cant help me out and that I have to pay the negative balance that I now have.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Again the Credit Idiots are screwing me once again. My BRAIN told me to refinance my mortgage. I didnt know I was going to get XXXX in the Process and be stalked to get it accomplished. My brain then planned to get my retirement vehicle. Nope that would be to easy. I had XXXX in debt in XXXX and had a XXXX score that you show to the me the consumer but you the Lender get a different score. What's Fair About that? So anyway that doesn't work so I just decide to get my automobile. Boy that was so much fun because of the irrelevant data the bureaus use to calculate their scores that then then go and sell to the Creditors who then in turn to determine who you slept with to get a loan. In my case I had gotten a loan a year ago with a XXXX per interest rate and a XXXX per month payment. I was approved for XXXX. I traded a car and only used XXXX so I just started paying XXXX per month even. After much aggravation with the mortgage loan I decided to just go for my retirement car anyway. I asked the credit union for XXXX and they approved me XXXX. I was looking at a car that cost XXXX. With the new approved car loan now I have a XXXX and a XXXX car payment. That totals {$1200.00}. To me, if I can qualify for 2 car payments why cant I just have one car note of {$1200.00}. The way they did the loan it cost me {$13000.00} more cash than I would have had to spend. I got 4 different rates with final being XXXX I wish I could have compared all three credit unions before I had to choose. What's Fair About that? Now to the Mortgages, The same credit union that aproved my auto loan turrned me down due to misinformation at the credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of identity thief in the year 2015. I Have been receiving reports for credit cards I do not have and I never opened these accounts. There is a navy federal account balance {$4700.00} There is XXXX XXXX Balance {$1200.00} and there is XXXX XXXX with a balance {$3400.00} I never opened any of these accounts. There was also a police report filed. I have filed disputes and these accounts keep appearing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I started XX/XX/2022 to open an account with Navy Federal Credit Union. While opening the account my internet hiccupped and reset the online account process. In doing this the system created 2 different accounts at once under my name using my social security number and one that was 1 number different. Since this happened both accounts were marked as fraud. I was told when I found this out that to verify and properly set up my account I needed to submit a copy of my license and proof of residence. It has now been a month and a week later being XX/XX/2022 and I was just informed that the previous for weeks of calling and going into branch offices to get my documents verified were for nothing as I was apparently also supposed to turn in a Security Appeal for that was notated on the account from the start but that not one single member till today noticed and notified me about. In this like I shall continue forward to try and solve my problem but this has me severely worried about the safety of my funds being handle should I have a real problem by such incompetency.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Hello I didnt authorize a credit card to be open my Navy Federal . I had a checking account and savings open only. My house was broken into in my information and belongs was stolen. Charges where made and a credit card was open in my name that I didnt authorize In Navy Federal . I called them and let them know also sent a police report starting the same thing and they havent fix it. Now my credit has a XXXX and its affecting my credit score. I tried filing a dispute still nothing.Im not sure when it was open but it was in 2020 around XXXX in the amount of XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act. The list below has Below has violated my Federal Protected consumer rights To privacy and confidentiality under 15 USC 1681 rights. XXXX : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX finance XX/XX/XXXX, 15.U.S.C 1681 section states i have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : states. Its also states consumer reporting agencies can not furnish account without my written instructions. 15 U.S.C 1681c [ a } [ 5 } Second states no consumer report agency may make any consumer reporting containing any of the following items of information any other adverse items of important. Any other items of information. Other than records of convictions of crimes 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 a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Other service problem
Subissue:
Consumer Complaint: On XX/XX/2022 I attempted to send a wire from my Navy Federal Savings account via the prescribed method of sending an emessage thru their online system. On XX/XX/2022 the wire has still not processed and I attempted to call the bank, at which time I am told it can take anywhere from 24-48 hours to process such wire, even though it is time sensitive. This is unacceptable as I should not have to wait this long to access my funds, and I feel it is a way of unfortunately holding my money hostage and in violation of the regulating act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied to refinance my grandmothers mortgage at the end of XX/XX/XXXX because she has a reverse mortgage that is eating away at her homes equity. I applied online with Navy Federal as her POA. When the loan officer, XXXX, was assigned, I called her directly and left her a detailed message about who I was and why I was applying. She called my phone on XX/XX/XXXX @ XXXX pm asking for my grandmother to call her back. I called her back immediately & she didnt answer. Again, she didnt call me back. Even though she never responded to me, I could still see the progress of the loan that she pushed forward. Every time I got an email asking for something, I immediately uploaded it or responded to it. It just got sent to underwriting a few days ago & today I received a denial package stating that they couldnt verify her identity, credit info, and that her application is incomplete. I am completely confused because no one has called me at all asking for info or trying to verify anything. XXXX only called once & she never responded back to my requests to call/email me back. I placed a credit freeze on my grandmothers credit reports to keep others from being able to open anything in her name. It was lifted when I first applied and for a week afterwards. They were able to pull her credit at least once!!! So, when I got the denial info today, I emailed XXXX and attached the POA that Navy Federal already has on file, my grandmothers ID, and my ID. I also lifted the freeze again for them for a week. They are denying her due to age. Her credit is perfect because I handle her bills, and their mortgage staff does not seem to recognize the powers I hold from being her POA. I gave them everything they needed & they have not communicated with me outside of sending things that needed signature through the portal. No phone calls or direct emails. I asked XXXX how to appeal this denial and, again, no response. I gave her all day to reply before filing this complaint. My grandmother has XXXX and can not handle her own affairs, so they will need to speak to me. I am not accepting the reasons listed for the denial because they were able to verify her ID ( identity already verified before by Navy Federal ), her credit info ( they pulled her credit already & I even had to pay a fee for them to do so ), and incomplete application ( nothing at all was showing in the tasks because I complete them as soon as I get the email alert ). They are making up reasons to deny her when the only issue is her age. I dont even live in VA XXXX so I dont know why me handling this for my grandmother is causing an issue. I handle everything for her. They are simply discriminating & choosing not to honor the POA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A