Date Received: 2022-03-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a secured credit union with Naval federal credit union and I closed the account and the XXXX dollars that I put up against it was not returned to me and they have not furnish the proof to me that it was and I contacted them and they are doing nothing about it and I drove over one hour to the branch and I was told there that they dont see were it was returned to me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This complaint is about Navy Federal Credit Union and it's lack of willingness to assist it's military family members correctly. I'm a senior with multiple health issues and was just released from the XXXXl for XXXX and is XXXX XXXX and XXXX. As a favor to me my sister is a caretaker for our family she deposited money into my NFCU account but the deposit and transaction didn't complete the location of NFCU is solely an ATM location the ATM machine didn't process my deposit and show that it went into my account. It was a drive thru ATM in the outside. So it didn't return my money either it says for us to contact NFCU this location also has a inside ATMs so she goes inside to try and get my money back but the ATM wouldn't return my money. I immediately contacted NFCU to file a claim and told them what happened. NFCU did an investigation and then credited my account for {$450.00} dollars. But the weeks later unknown to me they overdrew my account saying I owe them the {$450.00} back to NFCU my own money. They're claiming they didn't find any money. No letter no phone call nothing and they also took a small check that was deposited from my part job that sends a check via direct deposit. Leaving my checking account overdrawn {$320.00} claiming I owe NFCU money. But one fraud prevention agent suggested that NFCU may have looked at the wrong ATM machine but I requested another appeal this my own money that they're coming after me for all because the investigation was not conducted properly this NFCU ATM location has ATMs drive thru where my money originally was deposited but not processed into my account and they have inside ATMs my money is there. But now these people are treating like I'm a criminal and I'm XXXX XXXX just having been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, there was someone that hacked into my Navy Federal Credit Union online account, by using stolen credentials. Somehow the intruder was able to gain full access to the account without my knowledge and was able to send themselves a fraudulent wire transfer of {$1500.00} of my money. This money was sent to an account banking with XXXX XXXX, based in XXXX. I have tried to reach out to XXXX XXXX and they are not answering their phones. Navy Federal states that there is nothing that they can do except try and contact XXXX XXXX via mail, but by law, XXXX is not required to return the money, nor respond to their requests. Meanwhile, I am now experiencing financial hardship due to this and Navy Federal is not willing to return the money even though this was a security breach and complete security failure on their end!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23601
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
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: On XX/XX/XXXX I submitted a complaint to the CFPB complaint # ( XXXX ) to advise of a Navy Federal charge off thats reporting on incorrectly my credit report. The following account was charged off as of XX/XX/XXXX since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this is also falsely manipulates the statue of limitations. Navy Federal responded back to the complaint stating on XX/XX/XXXX Navy federal noted a discrepancy in the payment history and the date of last delinquency And have sent a request to the credit agencies to update the information correctly and they also advise the update could take up to XXXX. Today I reached out to XXXX and spoke with XXXX the supervisor in the dispute department and she advised there was not a request sent by Navy Federal or any other company for an update.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dates- Every month they report on a closed account. Sent letters to all XXXX credit bureaus and the company is still reporting on this closed account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: IRT CFPB Complaint # XXXX. CONTINUED DISCRIMINATION & BIAS. On Thursday XX/XX/2022 and again on SATURDAY XX/XX/2022 at approximately XXXX PM, I received notification that Navy Federal sent concerning revised loan documents that required my signature. These documents and the message was sent from my new loan officer, XXXX XXXX. These documents also contained some information that has never been discussed with or between myself, XXXX XXXX, or even the former loan officer XXXX. Additionally, I have no idea who Ms.Biles is, I have never spoken to her, I have never been told to expect a phone call or an email from her, and I have no idea why Navy Federal is deciding to forward yet again 100+ pages of documents to me without having anyone contact me to at least explain what it is theyre sending or include what has been discussed in the documents. Under no circumstances should Navy Federal be filling out documents on my behalf without first speaking to me. But what struck me as most interesting, is that these documents had an increased rate ( that is not advertised anywhere on the Navy Federal Credit Union site ) for the loan itself. In an effort to continue to cover up their previous perceived discrimination, it appears NCFU is applying a rate increase to my application. Again, THEY filled out the application without discussing or disclosing with me ANYTHING to include a rate increase prior to forwarding to me to sign. We could try to attribute this increase due to the conference held by the Federal Reserve, but with these rates being very different than what is advertised on their website, yet the previous rate was not, I find this to be another only highly suspicious but a continuation of previous biases. Again, I do not accept that a company of this size, that has outstanding customer service in so many other areas, continues to have subpar customer service in this one department and it reaches the span of almost every employee. As NFCU continues to look into this matter, hopefully we can gain insight as to what happened here and why customers, namely me, are attempted to be gouged and penalized for a mistake THEY made if this is truly not a continuation of discrimination. Lastly, in an effort to actually be done with this situation, one way or another, XXXX XXXX was forwarded the same resolution standards previously sent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23505
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NAVY FEDERAL CREDIT UNION and their registered agent XXXX XXXX XXXX are violating fcra and FDCPA Laws pertaining to my credit report. I do not have the account number as the credit reporting is extremely inaccurate and inconsistent, but the alleged account in reference was a credit card with a limit of {$13000.00}. Incorrect and inconsistent Account # Incorrect and inconsistent Date Opened Incorrect and inconsistent Date Last Reported Incorrect and inconsistent Date Last Active Incorrect and inconsistent Date of Last Payment Incorrect and inconsistent Payment History
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
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: My credit card account from Navy Federal credit union is not reported to XXXX and XXXX credit bureau as XXXX is reported. I am still waiting on this account record to be updated to reflect accurately on my credit report. Please Help! I notified Navy Federal on letter dated XX/XX/XXXX. I notified XXXX and XXXX on certified letter dated XX/XX/XXXX. I have enclosed documentation and my authorization to investigate this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account is Closed but still reporting a monthly payment on my credit reports
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Navy Federal again refused to accept a payment on my account and it appears that they are denying the payment for now several payment attempts dating back since XX/XX/XXXX in order that they can access late payment penalties. An attempt to pay on my account in this latest effort came on XX/XX/XXXX which was not processed. A follow up attempt was made by calling in to one of their CSR 's in which that payment attempt also was not processed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 47331
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A