Date Received: 2022-03-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I lost my job due to the pandemic. I was forced to file for bankruptcy because schools closed, and I could not work. Navy Federal did not take the time to talk to me or look at the entire picture before denying my loan application. I applied for a mortgage loan with Navy Federal Credit Union. Per my bankruptcy, I had to file for my credit card. However, before the pandemic, I had outstanding credit, and I never missed a payment with Navy Credit Union. In their denial letter, Navy Federal states the principal reason for my denial is " poor credit performance with Navy federal. '' They never mentioned my bankruptcy or poor payment history with any other creditor. I had a 100 percent perfect payment history for over ten years. I believe I'm being discriminated against because of my material status, and my income derives from a federal assistance program. I believe I qualify because I have a full-time job, my bankruptcy will be two years old on XX/XX/XXXX, and I've been preapproved by other companies. Also, this is a VA-backed loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I Consumer, XXXX XXXX extended credit to Navy Federal Credit Union ( NFCU ) entering into a consumer credit transaction through the extension of credit in accordance with the Truth in Lending Act. Upon review of my right and reports I submitted a dispute to the credit bureaus requesting the Navy Federal account listed on my consumer report that I provided in the attachments be removed in accordance with 15 USC 1681a ( 2 ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided. Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out. There is no law that states that anything has to be reported on my consumer report but there are multiple laws that state that the consumer has a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Continued noncompliance and suspicious activity from Navy Federal Credit Union Mortgage Department. Please reference CFPB complaints XXXX and XXXX. After receiving the continuous emails from NFCU concerning a revised disclosure after my last complaint, I noticed a change in the loan officer assigned to my account. Not understanding, I reached out, and ask this person who they were and why are they now on my account. The response I received was that she was here to help with the complaints. That did not occur and its not occurring at all. Although she is very nice, her goal of trying to get me to use Navy Federal as my lender, in my belief to put suspicion on these complaints ( e.g. if I use them as a lender then how could they have done the things that Im accusing them of doing ), had nothing to do with resolving the complaints themselves. In fact, I was provided new and INCORRECT documentation in the form of loan estimates where a rate lock was applied because she had mentioned that it was something she could take care of. New documents were sent and they attempted to charge me for a lock but neglected to mark the correct boxes stating so. Also points were applied but no discount or viable explanation was given as to why I would be paying a higher rate, for a lock, that is not indicated on the loan estimate sheet. When I brought this to her attention, she eventually provided a loan estimate sheet that appears to be filled out properly, however it continues to support my belief of nefarious practices within NFCU. IF these are your best people and these are the people you have assigned to try to rectify any of the issues we have, then why are you still trying to price gouge me by applying a rate much higher than what I was quoted before, stating that because I did not lock at the time that any interest rate that increased is my responsibility to pay but neglect to note the reasons why such as your inability to explain what these rates are in a level where I can understand, and the bigger issue of your discriminatory practices! Then NFCU still presents their negligence and unwillingness to properly resolve any issues in the form of sending improperly filled out paperwork. NFCU should be required to explain why they are STILL sending improperly filled out documentation where for obvious reasons they are attempting to charge me for points and rate locks that they cant seem to figure out on their own in-house sheets. We can pretend, and keep calling these mistakes, but at what point are we going to call it what it is? Especially when Im being told these are your people to help resolve the issue so I must assume that they are the best people you can find to contact me. In their thinly veiled attempt to silence my complaints, Navy Federal is STILL trying to charge extra money one way or the other. Their actions continue to support my original complaint that there is something nefarious going on within their mortgage department and they have no desire or possibly ability to correct.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23505
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: This complaint is being submitted in reference to incident XXXX On XX/XX/2022 my employment check entered my account. Which gave me a running balance of XXXX The only amount that came out my account during this week... is XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. Giving a total of XXXX! At this time I made to XXXX dollars XXXX tranfer XXXX to XXXX XXXX and another to XXXX. Giving me a new balance of XXXX. My wife took XXXX from my account using a XXXX XXXX XXXX atm, it cost me a XXXX dollar fee. She also went to XXXX costing XXXX. I got gas from krogers this morning for XXXX. Bring my balance to XXXX This showing the XXXX XXXX dollars XXXX transfer never reentered my account. If it did my account balance would show XXXX! I want my money! Someone changed my transaction... Because if we add all of the deposit together with the XXXX zelle transfer. Add them back to the account and taken all the transaction amounts away from that running balance. I would have to had to over draft or my balance would only be XXXX. Not XXXX so somewhere someone is getting over. And i just want my money A XXXX deposit which makes the balance XXXX. The XXXX XXXX dollars XXXX transfer, XXXX autozone deposit, and a mobile deposit for XXXX. Giving me an amount of XXXX. According to the new transaction history. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX making my balance XXXX! Please help me understand how is this so... if I currently have XXXX in my account. This second transaction history is someone trying to cover up there tracks for stealing my money. Please look at everything and return my money This same incident happened to me about a month ago and nothing was done to correct my problem. Want this incident fixed as well please. And my money return to my account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Navy Federal uses the wrong info on the XXXX report. NFCU HAS MY CREDIT ACCOUNT SCORE AT XXXX.MY XXXX SCORE IS XXXX. I JUST ASKED FOR A NEW LOAN SO I CAN GET A LOWER INTREST RATE ON MY LOAN. THE SAME THING HAPPENED TO ME WITH NFCU ON A PREVIOUS LOAN. I WAS DENIED A LOAN BASED ON INACCURATE INFORMATION WHICH I HAD TO PERSONALLY CORRECT BY OBTAINING THE CORRECT INFORMATION ON MY OWN. THE LOAN I ASKED XXXX WAS BASICALLY THE SAME AMOUNT THAT I OWE ON A HOME IMPROVEMENT LOAN. I HAVE READ THAT NFCU MAKES IT DIFFICULT FOR PEOPLE IF COLOR TO OBTAIN LOANS, AND IF THAT IS VALID. I FALL INTO THIS CATERGORY.I HAVE A FLAWLESS REPAYMENT HISTORY WITH NFCU & 30 YEARS AS A MEMBER. I DO NOT UNDERSTAND WHY I WAS TURNED DOWN FOR A LOAN THAT IS ALMOST FOR THE AMOUNT I CURRENTLY HAVE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Problem with customer service
Subissue:
Consumer Complaint: I called into NAVY FEDERAL XX/XX/XXXX XXXX was transferred to a supervisor by the name of " XXXX XXXX, XXXX refused to start a investigation for me concerning the return of ( 4 ) remittance / coupon payments. Each payment was received BY NAVY FEDERAL XXXX XXXX XXXX XXXX VA XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX They have not been rejected, dishonored or returned, NAVY federal has kept my form of payment way past conditional acceptance time period. I have called NAVY FEDERAL several times & have been met with nothing but rude, inappropriate customer service reps. They used their personal experiences & personal reasons as for reasons they will not open a case for my missing payments. this is a VIOLATION of my rights as a consumer with NAVY FEDERAL. I have been disregarded and giving no information on where to send remittances. I have done research on my own to find the correct location for my private payments with no help from NAVY FEDERAL.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46815
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: My ATTEMPTS have reoccurring with with XXXX XXXX XXXX XXXX concerning refunds to watch XXXX XXXX XXXX total of {$400.00} that were claimed to be fixed mis spells my name to host an discrimination or retaliation reprisal from claiming no records on file the watch was purchase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas your assistance in this matter for corrective action refund an audit my credit card account to fix this issue now there's another issue Prentice simultaneously Navy Federal Credit Union credit card my monthly balance should have never show {$200.00} over and I'm not used to card link to prejudice and he didn't paperwork documents sent and claimed they never received I got proof it was accepted the new corrective action made
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
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 had a credit card with Navy Federal credit union that started XX/XX/2015 the account was unsuccessful and the company wrote it off the action taken by navy federal along with the fact that the incident is more than seven years old qualifies the account to be removed from my credit report however during a recent review of my credit report i found that the same information is still there on XXXX, XXXX XXXX and XXXX I am requesting your assistance in getting my credit report updated thereby relieving me of any further damage to my credit history
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Navy federal states " We apologize for the inconvenience,. Check deposits can not be made by eMessage, and this item is not negotiable for deposit at NFCU. So, in order to fully assist me in understanding and resolving the inconvenience, I request that NFCU provide me with a full disclosure of what NFCU negotiable instruments are because prior to the agreement/contract that we entered into, along with a representative of NFCU saying it was " too late '' because I signed the agreement as if I was bound to the document, but as I fully understand that we have duties and responsibilities to uphold prior to the agreement, as well as the statement made - Navy Federal is authorized to supply any endorsement for the company And any seen the story on any chick or other instruments tendered for the account ( s ). And that statement doesn't say what instruments they are, as if I should know what the other instruments are and if they qualify as instruments. Prior to previous phone conversations, including one that lasted XXXX at XXXX on XX/XX/2020, during which a representative by the name of XXXX was receiving information from a source named XXXX, and also my visit to the branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NFCU has never disclosed what instruments were negotiable and non-negotiable prior to the statements made by NFCU agents and the statements in the agreement any check or other instrument And I fully understand Commercial paper is a type of negotiable instrument, where the legal rights and obligations of involved parties are governed by Articles Three and Four of the Uniform Commercial Code
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 I applied my credit for a loan online through Navy Federal Credit UNION. I was immediately denied for whatever reason. I called XXXXXXXX XXXX,2022 and spoke with a spokesperson asking why I was denied my own credit. She said that its an overall review of my credit ( which I have good credit, 100 percent payment history etc ). But what law states that Im subjected to a score? Under the U.S. Code law, the powers and duties of banks are Borrowers and I should never be denied my own credit. Banks take my information and sell it without my consent. No consent is identity theft! I am the original creditor because I am the only one who can extend credit. Again, I am the original creditor!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48089
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A