Date Received: 2022-02-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have not received my 1099 tax document for calendar year 2021 from Navy Federal Credit Union and they are refusing to send me a copy of my 1099 tax document via a method with a tracking number such as by XXXX, XXXX, or USPS certified mail. This same issue happened last year and this year Navy Federal Credit Union advised that they may close my accounts as a result of this dispute. Please advise what assistance you can provide.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I evaluated my XXXX Credit Report and noticed several inaccuraries related to reporting information. Specifically, Navy Federal is reporting several late payments that are not accurate. Below is a copy of transactions. NAVY FEDERAL CR UNION Closed 51 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XXXX XXXX, XXXX Credit Limit - {$1300.00} Payment Info Status Paid, was a charge-off Status date XXXX XXXX Past due amount - Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX View less XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO XXXX - - - - - - - - - - - On Time CO Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/2022 I contacted Navy Federal Credit Union she I ask if I paid the money I owed them from a previous account that had defaulted would I be able to establish a new account in good graces. I was told yes by XXXX different Navy Federal employees on a recorded line. I had also spoke to server Al Navy Federal employees previously about the same matter with the same response. Yes you could re-establish your account. So after making the payment I did just that I re-established my account with my debit card being on the way. I received a phone call this morning stating I was misinformed by the agents and I could not open my account back up. I also talked to XXXX XXXX a representative for Navy Federal and was told I was able to now open an account. I was offered a settlement account from them but was told if I wanted to re-establish I had to pay the amount in full. I spoke to the supervisor is morning and she stated there was nothing she could do but close the account that had already been backed open by their representative.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46342
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX XXXX : DXXXX XXXX XXXX XXXX : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX, was denied an extension of credit by Navy Federal Credit Union XXXX On XX/XX/2022, I applied for the Cash Rewards Visa. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Navy Federal Credit Union has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. Navy Federal Credit Union should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07103
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I had a credit card with Navy Federal Credit Union, currently closed but with a balance.. I have a written agreement for a reduced interest rate and lower payment ; for such agreement to be entered, I was required to close the credit card.. In XX/XX/XXXX, I called and spoke with a representative regarding inability to make that months payment ; he made exception arrangements and forebore that months payment. He indicated that it would still show up as late though, and gave me no additional information. Until this point, I had been making all of my payment obligations in full and timely manner. On XX/XX/XXXX, on my way to work as a substitute teacher for a low-income school, I stopped to purchase gas for my vehicle. I was in the middle of nowhere and my gas light was on. I had forgotten to stop the night before on my way home from the same school. My debit card declined at the pump and again in the store. I knew I had {$46.00}. in the account as I had checked the evening before. Upon logging into the app, I found my account balance to be zero and a pending transaction Transfer to Other 46.. It was still too early to call the credit union ; they werent open. I was stranded 20 miles from home and 20 miles from work with no gas and no money to buy gas. I called later in the day and I was told that the funds were transferred to satisfy the late payment on the credit card. It required the representative several minutes of research to find what the other meant on my account as there was no reference to why it was drafted. I referenced the agreement entered with the representative the prior week and I was told they dont have to honor any such agreement. They refused to give the funds back or return them to my account. They did it again the next day always keeping my bank account balance at zero, taking every penny. Same result : no notice, just garnished my money from the checking account. Again, they refused to return the funds. No notice. No email or letter whatsoever indicating they were going to or had the authorization to garnish my bank account. No court order nor appointment to give me a chance to dispute the process or find alternative means of meeting the debt obligation. I informed NFCU that they would never get a penny from me again on this credit card until they righted the wrong and returned the stolen funds from my account. On XX/XX/XXXX, I notified my current employer of the bank change. They canceled the XX/XX/XXXX direct deposit to Navy Federal, and once confirmed that they had received the funds back, deposited the paycheck into my new account at my new bank. Meanwhile, even as that direct deposit was on pending status in the navy federal checking account, Navy Federal garnished the entire balance of {$230.00} and transferred it to the credit card. On XX/XX/XXXX ; I received notice from my employer that Navy Federal accused me of spending that direct deposit and took it back from my employer. Now my employer is garnishing {$50.00} per paycheck to pay the balance. Some of my paychecks do not even cover that balance while the most I ever earn is {$500.00} ; that is more than any legal amount of garnishment allowed by any court system. I didnt spend that money, and Navy Federal had no legal right to garnish it. Navy Federal has not changed its debt collection practices as they were required to do so. They continue to harass and illegally garnish bank accounts of its members, even if they have a standing payment arrangement, with no notice, fair warning, or even that it could happen. Then they lied to my employer and took the money from them, forcing my employer to now garnish my paychecks at a balance above and beyond legally allowed as well, also without any court order. https : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In 2020, I opened a secured credit card account with Navy Federal Credit Union. One of the perks for the card, was to establish credit/repair ones credit. Provided the following is met : keep account in good standing, pay on time/ no late payments, have at least {$60.00} dollars on the card by 19th of the month, before account is reported to all ( XXXX ) three credit bureaus. And because I have XXXX checking accounts, I would transfer every ( XXXX ) weeks, money to my credit card from my checking account to pay my credit card. I have never been late I find it real strange, that its going on ( XXXX ) two years that Ive met ALL of these requirements. Plus, when I opened this account. I had No credit cards. Ive sense obtained ( XXXX ) XXXX credit cards, due to my good history with Navy Federal reporting to all ( XXXX ) three credit bureaus. Ive contacted Navy Federal, about this situation several times. They couldnt give me an answer. However, ( on one of my calls to customer service complaining about this problem ) one customer service person said, she had in countered such a problem like mines before. She said, the customer applied for a regular credit card and was approved. Why, should I do that?? I would like to cancel this account. But, it would get me a negative mark on my credit report. I hope you can help. XXXX XXXX XXXX, ( XXXX ) XXXX, XXXX. Thanks!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ND
Zip: 587XX
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I told Navy Federal that my card was lost and stolen and because there was fake checks deposited into my account. so we closed that account and opened a new account. So my check of XXXX was in the new account and they transferred it to the old account. Now they're saying that I'm the one that transferred it to the old account and since whoever got had my card when they deposit the checks they would draw {$220.00} and they said that it was me because they were still able to use the account after I closed i. And ever since I made a complaint against them they've been putting me on hold for a multiple times for multiple minutes and and they just called me too much pain and grief.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23669
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Navy federal was offering a service that would credit your account to a positive balance to allow the use of the child tax credit which any moneys owed would be withdrawn in XX/XX/2022. The bank sent a message out Im error of navy federal that provided the incorrect amount, I just received a new amount which is triple. They arent willing to offer any assistance or payment arrangement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06514
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Date : XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Ga XXXX CRA : NAVY FEDERAL CREDIT UNION ( Application Number XXXX ) CRA ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED ( XX/XX/2022 ) Recently, I, XXXX XXXX XXXX, was denied an extension of credit by NAVY FEDERAL CREDIT UNION On XX/XX/2022 I applied for NAVY FEDERAL CREDIT CARD limit {$16000.00} As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). NAVY FEDERAL CREDIT UNION has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter they sent me dated XX/XX/2022 is both a proof and evidence that I have been discriminated against, you are also criminally liable. NAVY FEDERAL CREDIT UNION should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: To whom it may concern, Re : XXXX XXXX XXXX XXXX Auto loan financed with Navy Federal Credit Union This is a formal complaint against Navy Federal Credit Unions Collateral Control dept. My husband and I had refinanced his truck through Navy Federal Credit Union XX/XX/XXXX from XXXX XXXX at a much lower interest rate. At this time, we agreed to the terms and conditions of presenting a new title to Navy Federal with them listed as the new lien holder. In order to complete this we had to pay off the present loan with XXXXXXXX XXXX and they would send us a lien release to take to the local agency to apply for the new title. I waited over a month for this to come in the mail and it never showed up. I called XXXX XXXX to follow up on the status of this. Their title department advised me they sent this to the corporate branch for Navy federal in Virginia. I was sent a letter and received a phone call from Navy Federal to bring a copy of our title up to the branch to have them scan into their system. At this time, I took off of work to go into the bank and have them scan the title. The title we had still name XXXX XXXX as the lien holder which I explained to the lady at the XXXX XXXX OK branch, what was going on. She said thats okay if they have the lien, they are able to file for the new title on our behalf for a small fee. I okayed them to charge me the fee so that I wouldnt have to take more time off of work to get this completed. Another month went by I receive another letter from Navy saying they needed the new title. I took off of work again and drove to the bank in XXXX XXXX and called the customer service number to speak with someone in the title dept at Navy Federal who said she was noting the account really well of all our efforts and could see my prior calls that we are trying to resolve this matter and someone would call me back. I never received a returned call. When I got the Navy Federal, they lady said they didnt have a copy of the title. I explained once again what was going on, she apologized and asked that I give her the title to scan into the system again. She assured me this would be taken care of and she could see in the file they did have the lien release from XXXXXXXX XXXX Almost 2 more months went by I heard nothing until I receive an email and call from Navy Federal ( see email attached ) This email is advising me our loan interest rate will change if we do not take care of the issue. At this time, I called Navy federal again spoke with someone in title dept who said it may be best that I go up to branch to resolve this matter. I took off of work again, drove to XXXX XXXX Ok ( 40 mins away ) sat down with a branch representative who advised the lien release they have on file from XXXX XXXX was never signed therefore it was not valid. I asked her to call XXXX XXXX with me in the branch, she did ; I spoke with the XXXX XXXX title rep gave permission for them to speak with Navy Federal. At this time the Navy federal rep explained to them the copy they sent was not signed they need a new copy mailed out. She told them the send the copy to XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Attn : XXXX. She assured me they were going to send a new signed lien release out right away. Navy Federal may ask me to authorize them request the new title once they receive the new lien release. I left and went back to work ( see attached letter ). Yesterday XX/XX/XXXX I receive a letter from the collateral Control dept at Navy Federal stating my loan no longer qualifies for a collateral loan and has been converted to an unsecured loan with an increased interest rate of over 11 % more than our current auto loan at 3.99 %. This new rate increased my payment by more than {$100.00} which at this point I have incurred financial damages and want someone held accountable. This is unacceptable business practice. I immediately called Navy Federal and requested an escalation to a manager to fix this. They advised me they would have to call me back within 24 hours and that they have put in a request to hold the account, but I may still be charged, and they would not refund me any excess monies. This request can take 3-5 days to process. At this time, they were made aware my next move would be to put in a formal complaint to the CFPB. The next business day XX/XX/XXXX I receive a voicemail from Navy Federal, but my phone does not ring. They leave a message dont say their name or reason for the call. They provided me a generic callback number of XXXX. I call right away and get the customer service rep on the phone verify who I am, she says she sees who called me and why, but would not give me her direct number or name and put me on hold to see if she could get her on the line. After two attempts she comes back saying the lady is not available and put in a escalation request to have her call me right back. I should get a call back in about 30 minutes to 1 hour. This was at XXXX the time is not XXXX on XX/XX/XXXX I still have not received a returned phone call. I called XXXXXXXX XXXX request to speak with a manager in their titling dept and explained the reason for my call. Was transferred XXXX who advised me they sent a second copy of the lien release ( signed ) on XX/XX/XXXX to Navy Federal the address they requested to the Attention of XXXX. In XXXX XXXX XXXX XXXX advised me she could send another copy overnight certified with tracking needing a signature if I could tell her a physical address for Navy Federal and a persons name to make it attention to. This information I do not have. I have requested XXXX XXXX send the copy to my address, however Im not sure they will do that. I advised them I would take the release up to Navy Federal Branch in XXXX XXXX myself and handle this. I would appreciate your prompt resolution of this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73099
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A