Date Received: 2022-04-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: NAVY FEDERAL CREDIT UNION is sending notices stating that my mortage is delinquent. I have not missed a payment, last month I called to inquire why they sent the notice, and I was told to disregard and that it was a mistake, this month they sent the same notice via certified mail to myself and my wife. This is no mistake. This is harassment due to the fact that I exercised my legal right to refuse a credit card debt that NFCU has been unable to validate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XX/XX/2021 I had fraud on my account where XXXX tried to act my account over XXXX times on 2 separate occasion just 4 days apart. I was charged over XXXX in NSF fees by NFCU. After hours upon hours of trying to work this out, I was refunded those fees on XX/XX/2021 and my account was closed. I had a new checking and saving account opened and didnt hear anything about it until XX/XX/2021, when I had an IRS tax refund check deposited into my new checking account for {$5000.00}, and navy federal took every dollar of it to pay this charged off account. My statements show I was refunded the money and my account was closed. NFCU refuses to return the money even after its been proven by multiple representatives that work for NFCU, every time I get a different excuse and told someone will call me or there is nothing that can be done. They continue to lie and change story and hang up on me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76107
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been trying to get my report updated that I do not owe Navy Federal after we have settled the account. It is still reflecting on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been having all types of problems with Navy Fed for since XXXX. I first stated when my husband at the time stopped paying he mortgage in XX/XX/XXXX and I was not told until XX/XX/XXXX. I asked why did they not tell me he stopped paying and was told they had no information on me to contact me. I said I have another mortgage 3 checking and saving accounts and a credit card what do you mean you have no way to contact me. Then I called and asked could I have a mortgage if you had no way to contact me no personal information and was told no. So how was this mortgage still active if they had no info on me I signed that Mortgage just like my husband an They began taking money from my checking account without telling me and when I asked I was told that is in my mortgage contract that they can take money when it was old. I told them I can't pay for me rental property for you keep taking the money for this property and I was told I would have to figure something out I said like what. They stopped taking the money out of my account so I thought he had started paying but now they want to foreclose on me rental property. Ok now I'm going through lost mitigation. I turn in all the paper work and check to make sure they have everything because my father has XXXX and I had to go to CA. to check on him. I was told everything was good so I left. Now I'm in LA getting letters stating that they closed my case for missing infor. I call and they are miss infor on my health insurance, I go in to the branch and they call, I have 60 days to give all info so why did they close. No were are starting all over. The branch calls again stating we don't need heath insurance and you have 3 years of statements and it is clearly on the statements I can see it. No we go on and they stop again because they say the house is empty. We call again, they have a copy of lease agreement so how are you saying it is empty that is part of the information asked for as part of the application. Now they are saying they called me and I told them that. I said no ever called me and I did not tell anyone that. Tell me who called me and when. To this day no one has ever given me this information. No I file for bankruptcy and it is going good. I call Navy Federal every month to a cashiers check for my so I have proof that I am sending the money. In may I get a letter from the bankruptcy court saying that my case has been demised. I call my lawyer to. find out why and was told call the bank to make sure that they sent the payment. I did and they did not sent the check. I call and asked to send one amount and I changed the amount and was told y couldn't change it they had to make another one so he did. Well he canceled one and never made another so a check never got sent. I told them to call my lawyer and the bankruptcy court, the did but they did not reinstate it. No her we are going through lost mutation again. I put in 3 different applications XXXX, XXXX, XXXX. I kept asking why I'm having to keep putting in applications and was never told. I was told it would not be excepted because the house was empty I said I was staying there because my house was damaged by Florence again no one went out to check because if they did they would have seen. I was told to send a letter and I did. Now they are saying that {$1500.00} a month was not to pay {$400.00} a month rent. At the time I had about {$5000.00} in my checking account and was told that that money would be taken into consideration but is was not. I got a letter dated XX/XX/XXXX on the XXXX of XXXX saying I was not approved because the house was empty and I did not make enough. I took the letter in to Navy Federal and spoke with XXXX and sent sent a copy of the letter and proof that I got the letter on the 12 by the post mark. MY lawyer called me and told me don't worry you have a 10 period to appeal and XXXX told me that to so I did. I give it to XXXX to sent in and she did. well 10 days went by I heard nothing so I called and was told WHAT ARE YOU APPEALING WE SOLD YOUR PROPERTY. In my mind how can you see it before I'm allowed my 10 days to appeal since this is a law. No one has explained that to this day either. I keep bring all this up, the last time XXXX a manage in lost mutation said there were a lot of things going on that are not rules no Navy Fed that should not have happen and she needs to investigate. On person called me and she was the person that stopped it because she had no health insurance and the one that had my lease agreement, she told me it was her case. I call XXXX that she had to get someone else. That's the last thing done and that was 3 years ago. I called XXXX many times she could never take my calls so I started calling her boss and the first time she was on the phone and would call me back and that never happened so I kept calling her and noting. Now this the main house I got put on a program in XXXX but because of the pandemic everything got put on hold. XXXX XXXX put out all this new guide lines no foreclose no late payments and so. Navy fed was still sending me letters telling me I was in default so I called and was told they miss be a mistake I'm good. time is going by I'm not hearing anything. now I'm suppose to get a check from my insurance but they are saying I can't have the check because I'm in foreclosure I'm sayin I'm not on on the lost mitigation put me on a program. I Call lost mitigation and was told I'm on the forbearance program and I should be getting letter. I said I have not been getting any letters and she said I'm sorry you are on the pandemic program and everything is good. She call the mortgage department got everything straight and I got my check. That was the last time I heard form any one. No has given me a state date for payment or contacted me telling I'm late nothing. Again the mortgage is sending letters telling me I need to apply for a forbearance program with lost meditation so I sent them a copy of the letter stating on a program and the letters stopped. No there lawyers are sending letters telling prices of forecloses. I just don't know what to do no one is giving me instruction. I called XXXX XXXX and was told that they should be sending information regarding me on the program and they can not take me off without telling me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I've disputed a late payment with the 3 credit bureau 's and contacted Navy Federal asking for an accommodation because of the CARES Act signed into law in XX/XX/2020. I have 1 late payment in XX/XX/2020 due to the Coronavirus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Navy Federal Credit Union has been harassing me by sending me debt collection notices on just about a monthly basis since XXXX of XXXX. They have harm my reputation by reporting negative information about my account to the credit reporting agencies. In these letters they keep sending me they allege I owe them different amounts. According to my XXXX credit report the account was charged off XXXX of XXXX. On XX/XX/XXXX I finally had enough of Navy Federal 's abuse of accusing me of owing a debt and their constant harassment of sending me collection notices in the mail. So, I sent them a cease and desist notice via certified mail. They received the notice on the XXXX of XXXX. Navy Federal Credit Union sent a response to my cease and desist notice dated XX/XX/XXXX stating they had receive my notice and that they will cease and desist all communication with me for all accounts. However, they completely ignored my demands for remedy for the violation I cited in my notice to them. I pointed out 4 Fair Debt Collection Practices Act ( FDCPA ) violations they never addressed in their response. I also sent them an invoice for the amount they owe me for the violations they committed. In their response they did not dispute the validity of my invoice. They have 30 days from the date they receive the invoice to dispute it. On the XXXX of XXXX the debt for my invoice will be validated. I called the debt collection department at Navy Federal today at XXXX XXXX and spoke to someone who identified herself as XXXX XXXX. She would not provide me with her ID #. I called to get a status on the demands in my cease and desist notice. She asked what did I want a update on. I told her I wanted to know had you contacted the credit reporting agencies to remove the Navy Federal account off my report. She told me, " no because the account is verified that you owe the debt ''. She also told they could not remove an account off my report. I told her that is not true and that if you can create an account you can remove it. I also asked her about the file I requested. She told me I needed to send them another notice to remove the cease and desist before they could send me my account information. I know what she was telling me was not true. At the beginning of the call she informed me that the call was being recorded. So, there should a recording of her giving me false information. I had attached a my notice and their response to this complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20706
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I received a refund from Navy Federal Credit Union for my mortgage overpayment. The refund was intially sent in the form of a check. My mail was delayed because I was in the process of relocating. I contacted Navy Federal Credit Union and asked them to cancel the check and deposit the amount in my savings account instead. The refund amount of {$370.00} was deposited into my savings account on XX/XX/2022. On XX/XX/2022 Navy Federal Credit transferred this amount to their debt collections department. I never received notification and was never contacted by their debt collection department. I contacted Navy Federal Credit Union this evening to find out why the refund for my mortgage overpayment was transferred from my savings account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: on XX/XX/22, Navy FCU improperly gave me a inquiry on my report which is detrimental to my livelihood and i want it to be removed off my report immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 116XX
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email from navy federal credit union indicating that an ach transfer confirmation was complete. I called the credit union and confirmed that an account was open but not by me. I was transferred to the fraud department where I opened a claim.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Navy federal is in violation of the FCRA they continue to furnish inaccurate information to my consumer report. I have sent over an FTC report and a police report and navy federal continues to report inaccurate information to the consumer reporting agencies. Not following the rules under the FCRA for furnishers. They have been reporting this inaccurate information for over 120 days on my consumer report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A