Date Received: 2022-04-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have a checking and savings account with navy Federal Credit Union. I also have a car financed through them. They were not on the title and I didn't know that. The only way I found out is someone opened a checking account in my name at a different bank so I changed my account number with my bank. That's when I found out my account was flagged for this reason. The next day I went into the branch and filled out the necessary paperwork and waited, only for it to be kicked back, not once but twice because it was filled out incorrectly by the employees. I have gone back for the third time ( I filled it out myself ) so now I'm waiting again. I have asked for them to remove the flagged and give my overdraft back. They keep saying they are trying to get reconsideration for the flag to be removed. It should not be there! it is their fault why they're not on the title. No employee is being held accountable, just me. The one who has done everything right! I want this flag lifted immediately!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: My Navy Federal Credit Union account was overdrawn when the childcare tax credits were being issued earlier this year. Navy Federal took it upon themselves to add money to our account to make our balance positive before the credit was added. They were not given permission to do this, and in fact when they did this for an earlier stimulus check that was distributed, we contacted the bank and asked them to stop doing this. They refunded us for money that was deducted from our account to cover the cost of the money that had been added without our permission. After this first incident, our further requests to stop this " service '' were ignored and Navy Federal continued to do this every time that a child care credit was issued. Over the course of a few months, a total of {$2100.00} was added to our account without our permission. The bank was contacted on several occasions to request that the additional funds not be added. On XX/XX/2022, a lump sum of {$2100.00} was deducted from our checking account leaving us with a balance of - {$2300.00}. When I contacted Navy Federal to discuss this deduction, I was told that a letter was sent out letting us know that this would be happening. We never received a letter. I asked if the letter was sent certified mail and required a signature, and I was told that it did not. I question if this letter was ever sent out. If it was, I never received it. I also asked if they had any record of us requesting that the funds not be added to our account, and of course, there was no record. How convenient. Additionally, I asked if Navy Federal was asking permission before adding money to customer accounts and they said that this was a " favor '' that the bank was extending to its customers without first receiving permission. I was told by the representative that the only thing the bank could do was transfer the negative balance to our savings account and give us 60 days to repay the amount. I told them that it would not be possible and asked for an extension. They told me that this was not possible. When I asked to speak with upper management, I was denied. How is it legal for a bank to add and deduct money from a client 's account without first receiving permission? A document should have been sent out prior to the money being added asking costumers if they wanted to take advantage of this " favor '' from the bank. From what I understand, XXXX XXXX got into huge trouble for engaging in the same practice. In addition to filing this complaint, I have contacted the BBB, a lawyer and a local news affiliate. I do not believe that what they have done is legal. How this program was meant to benefit people is beyond my understanding. The reason that Navy Federal felt that they were justified in adding money to our account is because it was overdrawn - how do they possibly think that we would be able to repay the money in one lump sum and still manage to pay our other bills? We have an overdraft limit of {$500.00} - we have never been able to go beyond this amount, yet Navy Federal was able to overdraft our account by over {$2000.00}. It seems rather incongruous and quite frankly, illegal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23323
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On or around XX/XX/2022 I disputed some fraudulent unauthorized transactions with Navy Federal that was caused by XXXX XXXX XXXX XXXX. Navy federal reply was that they investigated my claim but was unable to process it in my favor because their Debit Card disclosure requires that I report my disputed transaction within 60 days. Knowing that there is no statute of limitations on fraud and if so ten-years ( 18 USC 3293 ). I request that Navy Federal restore any funds withdrawn from my account without my consent or authorization.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Went to Navy Federal Credit union ATM on XX/XX/22 XXXX XXXX XXXX XXXX XXXX Made A Large deposit of XXXX into my checking account the machine kicked back XXXX but did not give me credit for the XXXX receipt told me we encountered A problem returning your cash please contact my financial institution
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: navy federal credit union is destroying this veterans life and keeping him XXXX and XXXX. I'm a XXXX veteran XXXX with no money no income and no assets. Navy federal is falsely and illegally continuing to report a 10 year old credit card account which I DO NOT Acknowledge, DO NOT OWE, and have no knowledge of. THis ALLEGED account is OVER 10 YEARS OLD AND WILL BE REMOVED BY FEDERAL FCRA LAW. STOP DESTROYING A VETERANS LIFE THAT IS XXXX WITH NO MONEY OR ASSETS. I DO NOT OWE THIS ALLEGED DEBT NOR COULD I PAY IT IF I DID AS A XXXX XXXX NO INCOME VETERAN. NAVY FEDERAL IS ALSO GETTING AWAY WITH FALSE OLD AGED REPORTING BECAUSE MY CREDIT REPORT ONLY SHOWS A COUPLE YEARS OF ACCOUNT HISTORY, WHEN THE ACCOUNT IS OVER 10 YEARS OLD, AND ACCORDING TO FEDERAL LAW, NEEDS TO BE REMOVED IMMEDIATELY!! ARE YOU HAPPY NAVY FEDERAL? DO YOU ENJOY DESTROYING LIVES, LYING ON A CREDIT REPORT, AND VIOLATING FCRA? REMOVE YOUR ACCOUNT IMMEDIATELY!! NOTHING SERVES YOU KEEPING A XXXX VETERAN XXXX AND LYING ON A CREDIT REPORT. NAVY FEDERAL HAS BEEN REPORTED TO THE NATIONAL CREDIT UNION ADMINISTRATION, THE XXXX ATTORNEY GENERAL, THE XXXX ATTORNEY GENERAL, THE CFPB, AND THE XXXX. I WILL OBTAIN A FIRST AMENDMENT LEGAL PERMIT TO PICKET YOUR LOCATIONS WITH A SIGN THAT READS " NAVY FEDERAL XXXX XXXX XXXX. '' I WILL CONTINUE TO FILE COMPLAINTS UNTIL THIS ALLEGED, OLD, AGED, FALSE ITEM IS REMOVED FROM MY CREDIT REPORT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I received a wire from the sale of a vehicle through my Navy Federal Savings Account. On XX/XX/XXXX I went into the branch to engage and use my money, upon meeting with a representative I find out my account has been frozen and I have to contact security, which is usually a two hour hold. I get in contact with security and they tell me theyre going to need verification from the other bank to confirm the wire was valid. Ive waiting more than 7 business days, and up to yet my funds havent been received. I contacted the other party to let them know and they said my bank is refusing to accept the wire and that theyve sent over everything they needed. This is unfair and unpractical.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 18944
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX is collecting on a debt that is XXXX XXXX XXXX! I defaulted on an auto loan that I signed for a family member who never paid. The car was repossessed, sent to auction and sold. The balance was XXXX and for a couple years I paid on it. After Financial struggles I couldnt pay it and now its more than 7 years old its 13-14 years old since repossessed and the account was closed. They left me a voicemail stating they were the Pre Legal department and that I needed to resolve this account for far to long and they wanted a statement. They call me XXXX times a day from different numbers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32034
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Navy Federal insisted on charging nonrefundable fees paid to third parties prior to the 3-day rescission period. The lender thereafter terminated the transaction and has not provided a refund of all fees including those paid to third parties in violation of Regulation-Z. Even though I explained to Navy Federal repeatedly that the seasoning application criteria being applied to me to secure the denial could not apply, I have been notified that the file has already been decisioned and I would need to file another application and take additional credit inquiry at additional cost. Because Navy Federal has not provided a refund of all fees for canceling the transaction, I believe Navy Federal is acting in bad faith. Causing applicants believe all fees are not refundable if the transaction is canceled by the lender or rescinded by the applicant within the 3-day period is not supported. Navy Federal repeatedly insisted on paying fees when it appears it had no intention of honoring the application. Also, Navy Federal made it appear that they wanted more information to further the current application on XX/XX/2022. Shortly thereafter it is clearly apparent that Navy Federal is merely gathering evidence in bad faith to better explain and justify itself before CFPB for complaints # XXXX and # XXXX involving this application. Navy Federal has also suddenly begun to divert the applicant away from his VA backed benefit and has suggested he to reapply or to make applications for other loan products less beneficial to XXXX veterans. NFCU to directed me to explain among many other things in bad faith, that I was no longer experiencing a hardship in a letter but used the fact that I received credit suppression protection as the sole reason to deny the application considering me as an undue credit risk applying seasoning improperly. I was led to believe verbally over the phone that I could provide further evidence or a letter from the current lender to overturn the underwriters denial decision on XX/XX/2022. After providing it the evidence is being misinterpreted in bad faith to preemptively justify the denial before the CFPB. Specifically, regularly scheduled contracted consecutive payments are being misidentified by the lender to add insult to injury. As of XX/XX/2022 the stance is that a decision has already been made and the evidence is being gathered to support some future application.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX, I sent Navy Federal remittance check registered and certified mail and it was signed for and received on XX/XX/XXXX. Payment due date was XX/XX/XXXX although I sent it in on time and it was accepted. Of course, I was charged a late fee and the charges and account was sent to Collections. My account was not updated to reflect payment for three weeks to a month and I did not hear from Navy Federal. Called them several times ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ) and was given the run around ( including speaking to several people from the Remittance Dept. ). Was told the original form of remittance I sent will not be accepted although they did not return it to me. Called today ( XX/XX/XXXX ) at approximately XXXX XXXX and spoke with XXXX and XXXX ( Collections Dept. ). XXXX, who tried his best to get some resolution however his Supervisor did not speak with me but gave several responses that did not make sense through XXXX. XXXX states the Mail Remittance Dept. was closed and she would get more details since someone she spoke with in Electronic Remittance states I would have to request the remittance check I submitted in writing. I explained to XXXX that this all makes completely no sense however I will wait for her call tomorrow. Navy Federal 's refusal to accept the remittance check is an impersonation of Congress, which is a VIOLATION under Article 1 Section 8 Clause 1 and 5, as well as 31 U.S. Code 5118 ( d ) ( 2 ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I tried to apply for a credit card with Navy Federal and was told I have a credit card under my social security number with a different name ( XXXX XXXX ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A