Date Received: 2022-05-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX XXXX, 2022, I notified Navy Federal Credit Union of a missing refund from XXXX XXXX. This refund amount was to be for {$860.00} x 2 ( for two tickets ) on account number XXXX. I provided NFCU with a refund receipt from XXXX XXXX as well as an email they sent to me on or about XX/XX/2022. As of XXXX XXXX, 2022, the claim is not resolved and they are informing me that they will require beyond the 10 days necessary for the claim. Yet, they are not providing a provisional credit. It is my understanding under Regulation E this is required in the event of an error that is not able to be resolved within 10 business days. 12 CFR 1005.1
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Navy Federal Credit Union, Recently responded to a past complaint. In the Complaint I advised my bankruptcy was discharged and I would like to reestablish membership. The company advised I could reestablish membership if I was so eligible, and at that time I could reapply for credit when my profile meets the requirements of their lending guidelines, and If I have reestablished my credit. I was able to reestablish my membership but, It took me contacting the fraud department, and removing the cease and decist letter. After doing so I tried applying for a credit card, I was immediately declined. The application did not pull my credit, and when I sent in a message asking why Navy Federals response was that because my bankruptcy is discharged they are not trying to collect a debt but that I would NEVER be eligible for lending products going forward as that is against their lending criteria unless I pay back the debt. Which I will not be doing so because I am not obligated to pay the debt back as the circumstances of the bankruptcy was because of Identity Theft. Navy Federal also stated because I caused Navy Federal a loss underwriting guidelines do not ever allow for me to apply for new credit with the credit union. This is different then what I was previously sent in a letter on company letter head in the last complaint response, I would like to re establish my credit but Navy Federal still show 's these account 's in their system as Charged off, Bad debt. These account 's are NOT collectible. These are discharged account 's in the bankruptcy court. I feel like this is a bit of discrimination since, they are basically saying because I was a victim of ID Theft, and because of my bankruptcy I will never be lendable again according to Navy Federal and I will never be allowed to apply for products within th e c redit union. Lastly when I tried applying for something it showed an authorized user on my account I could add to the application? I don't know who that person is so that was pretty strange also. The previous share that was tied to these account 's discharged was also included in Bankruptcy and has been discharged so the cross collateralization of navy federal has been discharged. Therefore I am starting fresh and would like to be able to reestablish my credit fresh.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75087
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I sold my XXXX XXXX XX/XX/XXXX that I got a loan for from Navy Federal CREDIT UNION... I sold the car to a third-party company XXXX... they called over and got a {$23000.00} 14-day payoff from navy federal ... XXXX sent over that full amount and now navy federal is saying they gave XXXX a 14-day payoff amount of {$23000.00} but still released the title to them after XXXX sent over a check for {$23000.00} now its reporting to my credit that I owe money on the car.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19018
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with fair credit reporting act XXXX account # XXXX has violated my rights. 15 USC 1681 section 602 : states I have a right to privacy. 15 USC 1681 section 604 A section 2 : 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 a open end consumer credit plan as late for any purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I, XXXX XXXX, consumer, am submitting this communication to inform Navy Federal Credit Union that by law, you do not have the right to report inaccurate information knowingly or not without my consent, pursuant to 15 USC 1681b ( a ) ( 2 ). After viewing my credit report, it shows derogatory accounts that I question. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting for validation that you have proof of debt. In accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. I am requesting VALIDATION. Provide me with evidence that I am obligated to pay for the derogatory accounts listed above. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29461
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX had a data breach XX/XX/XXXX and in a letter to me they confirmed that my personal information was compromised. XX/XX/XXXX I received a welcome letter from Navy Federal Credit Union. Someone fraudulently opened up Savings and Checking accounts in my name online or over the phone. With a fake phone number and fake email. How is this possible in todays world of identity theft? Please make a federal law that requires a TRUE proof of identity when these accounts are opened remotely. It makes no sense that this should be the honor system!! Financial institution like Navy Fed should be held more responsible for this form of fraud. Please!! A federal law that requires TRUE proof of identity.
Company Response:
State: CA
Zip: 91942
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: After we had signed the closing documents at XXXX XXXX XXXX. We where informed days later that we had to pay an additional {$1800.00}. Ive never heard of owing money outside of close. The realtor also said that they had never heard of owing money outside of close in the 20+ years of selling real estate. If close is not a close on real estate how can I be sure that I suddenly wont have more fees to pay? I dont think I should have to pay fees outside of close, its totally lost my trust in the real estate closing process.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34476
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I FIRST APPLIED FOR A MORTGAGE WITH NAVY FEDERAL CREDIT UNION ON LINE IN XXXX OF XXXX.I COMPLETED ALL THE ON LINE PAPERWORK AND WAS GIVEN A PRE APPROVAL LETTER AND WAS ASSIGNED A REAL ESTATE AGENT BY NF. UNFORTUNATELY I LOOKED FOR THE PERFECT HOME FOR MONTHS. SINCE IT WAS DURING THE PANDEMIC IT WAS HARD. I KEPT GETTING OUT BIDDED OUT PRICED AND ONE DAY THE HOUSE WAS THERE THE NEXT IT WAS GONE ... LOOKD HOPELESS I FINALLY FOUND A HOME IN THE EARLY PART OF XXXX BUT TO MY SURPRISE I HAD TO REDO THE LOAN I WAS JUST HAPPY TO SOON BE A HOME OWNER AGAIN SO I DID THE PROCESS BEGAN VERY SMOOTH UNTIL IT APPEARED THAT MY LOAN OFFICER XXXX XXXX APPEARED TO BE UNCOMFORTABLE WITH ME BUYING A {$450000.00} DOLLAR HOUSE. I KNEW THIS BECAUSE SHE REPEATED IT TO ME AS IF I DIDNT KNOW THE ASKING PRICE BUT I IGNORED IT THE NEXT WEIRD THING WAS AFTER GIVING AND SIGNING ALL THE DOCUMENTS SHE ASK FOR SHE THEN BEGAN TO QUOTE HOW MUCH I WOULD PAY IN TAXES FIRST QUOTE WAS XXXX XXXX DAYS LATER IT CHANGED TO XXXX AND AGAIN XXXX I KNEW THAT IT WAS SOMETHING INCORRECT ABOUT THIS BUT SHE WAS THE PROFESSIONAL SHE THEN NEEDED VERF OF INCOME FROM EMPLOYER AFTER SPEAKING TO SOME ONE SHE STATED THAT I DIDN'T WORK THERE XXXX XXXX HAD CALL SOME RANDOM PERSON SHE CLAIMED THAT TOLD HER THAT. BUT NEVER CALLED MY DIRECT SUPERVISOR WHO CONTACTED HER STATING THAT THE CALL DIDN'T COME TO HER AND XXXX ( XXXX XXXX XXXX XXXX CAN NOT GIVE OUT ANY INFO ON A STAFF WITHOUT CONSENT MY RECRUITER STATED THAT NO ONE CALLED HER BUT MY BOSS STATED THAT THEY WILL EMAIL HER MY JOB VERF ASAP BUT XXXX XXXX SUBMITTED IT TO UNDERWRITERS ANYWAY. NO TO MENTION THE CONSUMER PAYS TO PLACE AND APPLICATION TO DATE I HAVE PAID NF {$100.00} DOLLARS AT 20 FOR 1 PERSON 40 FOR TWO. WHICH APPEARED TO BE A SCAM BECAUSE. DURING THE PROCESS ARE NOW COUNSELED IN THE IN 'S AND OUT 'S AND NEVER WALKED ME INTO THE HOME BUYING PR1CESS SHE LATER TOLD ME THAT I HAD TO REAPPLY SHE DIDN'T EVEN HAVE THE APPLICATION A WEEK NOW I HAVE TO PAY AGAIN AND SHE PULLED MY CREDIT AGAIN MY DENIAL LETTER CAME AND I WAS DENIAL FOR THE INCOME VERF AND INCOMPLETE APP BUT HOW IF I FINISHED IT AND THEY CHARGED ME. XXXX XXXX HAD STATED THAT ALL I NEEDED WAS MY OFFER LETTER FOR MY NEW JOB. TO WHICH SHE WANTED MY NAME ON IT THE DATE OF HIRE AND THE RATE OF PAY. THE LETTER SHE WAS EMAILED BY MY BOSS WAS A LETTER ADDRESSING ALL BUT BECAUSE I WORK IN TRANSPORTATION THE LETTER ADDRESSED THE CITY SIDE AND SUBURBAN SIDE AND HAD 2 RATES BECAUSE WE HAVE DIFFERENT UNIONS AND PAY RATES AND REFUSED THE LETTER ALSO THE LETTER HAD A CONTINGENCY THAT CLEARLY STATED THAT IF WE DIDN'T TAKE THE XXXX PREP COURSE AND PASS THE XXXX PERMIT WITHIN 3 WEEKS THAT WE COULD BE DROPPED FROM THE PROGRAM THE LETTER WAS DATED XX/XX/XXXX SHE GOT THE LETTER IN LATE XXXX EARLY XXXX SO I SUBMITTED YET ANOTHER APP AGAINST MY BETTER JUDGEMENT BUT THINKING AS SOON AS I GET HER ANOTHER LETTER THE LOAN WILL BE APPROVED BUT NOW XXXX XXXX WAS SAYING IT MONEY WAS OVER ABOUT XXXX AND I NEEDED TO PAY OFF MY CAR AND MY SON 'S CAR AND PUT DOWN XXXX REASON MY CREDIT SCORE WENT DOWN ( BUT IT SEEMED LIKE WHEN YOU SAW WHAT I HAD IN MY ACCOUNT YOU CAME UP WITH THIS AND YES BECAUSE YOUR PULLING HARD INQUIRES. THE IN AND IT SEEMED LIKE SHE WAS DOING IT ON PURPOSE TO MESS UP MY CREDIT. THIS LADY MADE ME SO CONFUSED. I CONTACTED HER BOSS WHO ONLY MOCKED AND YELLED AT ME THE ALSO CONTACTED MY AGENT AND GAVE THEM INFO THAT I REQUEST NOT TO BE SHARED AS SHE CLAIMED SHE HAD TO KEEP CONFIDENTIAL. SHE ONLY SENT IT TO ANOTHER XXXX STAFF MEMBER THAT SEN IT HORRIBLE AND WORST EXPERIENCE IN THE WORLD I WILL NEVER RECOMMEND THEM TO ANYONE NOTE THEY DENIED ME AGAING THIS TIME TOO MY INQUIRES ' MOST IF NOT ALL BELONG TO NF
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Me and my wife XXXX XXXX had lost are card and someone stole are info and been using are accounts with navy federaXXXX and they wont let me close it or use my money in my account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a mortgage with Navy Federal Credit Union. I was informed by the loan officer if I could not get the full amount I wanted Navy Federal Credit Union would counter with a lower amount. This did not happen, I have XXXX credit score of XXXX and the key factors that supposedly adversely affected my credit score was : 1. Level of delinquency on accounts. 2. Time since most recent acc ount opening is too short. and 3. Too many consumer finance company accounts, too many inquiries in the last 12 months. The last time I opened an account was in 2017. I am not delinquent on any of my accounts and I only have had one inquire in 12 months. You can tell all this just by my credit score. The highest you can get is XXXX. I also have a savings account with over {$10000.00}. I also had a Pre-Approval letter last year for {$160000.00}. and nothing has changed except for the fact that I own two properties and I was selling the one with the mortgage left on it and still am. So, I do not understand why I was completely denied. I am a single female.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A