Date Received: 2022-02-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I tried logging into my account during work and could not log in. I called into Navy Federal to see what was going on with my account and why I could not log in. I was advised that my account had been compromised online and that there was a mobile deposit made to my checking account which raised the suspicion of the XXXX Department at Navy Federal. I was told I could not bank with Navy Federal again until the issue is resolved which is against the law since I am truly a victim of identity theft. I can not be denied an account that I did not commit fraud on, which again is against the law. I will be getting my lawyer involved if this issue is not resolved. I have been a member with Navy Federal since 2018 and have never committed any fraud or missed any payments/deposited suspicious funds into my checking account. I highly believe my information may have been hacked somehow. I would like this resolved immediately please.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91505
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Release hold on credit cards and accounts. XXXX WAS SUPER RUDE, and could not provide federal documents to verify after 2 months of the account opening now you asking for this and military orders. I HATE THAT THIS NAVY FEDERAL CREDIT UNION IS ASSOCIATED W/ MILITARY AND BEING TREATED LESS THAN. AS A XXXX XXXX XXXX, I CAN BET MY WHITE counter partners WAS GOT SPOKEN TO, LET ALONE TREATED IN THIS MATTER. Thanks
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Tuesday, XX/XX/2022, I received an email through my XXXX University student email of a prospective employer seeking employees. I replied to the email address, XXXX, to inquire further. I was then answered by an individual calling themselves XXXX XXXX XXXX who was employed with the Department of Disability Health and Human Services. He claimed he was a XXXX with XXXX University. He then provided me with a letter of employment and XXXX paper check for deposit. XXXX for {$8200.00} and {$4.00}, XXXX. I was told to deposit the {$4300.00} in my back account and wait for the deposit to clear. {$220.00} was cleared, he then requested for {$200.00} to be sent to XXXX XXXX XXXX via XXXX. In addition, I was then told to send {$400.00} via zelle to XXXX and XXXX. My bank, Navy Federal Credit Union has denied responsibility and has forced me to relinquish my accounts without full recovery of my funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32536
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: ON XX/XX/XXXX, AS I NORMALLY DI, I WITHDREW 500 FROM MY PEOPLE DRIVEN CREDIT UNION AND DEPOSSITED 440.00 INTO MY NAVY FED ACCOUNT. I SOMETIMES EITHER DO A TRANSFER, ELECTRONIALLY, BUT 90 % OF THE TIME, I DO CASH DEPSOSITS. I CONTACTED NAVY FEDERAL ON XX/XX/XXXX BECAUSE I NOTICED THAT MY DEPOSIT WAS NOT IN MY ACCOUNT. I SPOKE XXXX IN ACCOUNTING WHO TOLD ME THAT HE SAW THE CASH DEPOSIT AND THAT IT WAS ON HOLD. I ASKED HIM WHEN DID CASH DEPOSITS START BEING ON HOLD, HE SAID THAT THE NORMALLY ARE NOT. HE PLACED ME ON HOLD AND COMES BACK TO THE PHONE AND ASK DID I HAVE A RECEIPT SHOWING MY WIHDRAWAL. I SCREENSHOT THE WITHDRAWAL FROM MY ACCOUNT AND EMAILED IT TO THEM, HE PLACES ME ON HOLD AND THEN A LADY, WHO INTRODUCED HERSELF AS A SUPSERIVOR BY THE NAME OF XXXX, THAT COULD BE SPEELED INCORRECTLY, BUT SHE SAYS THAT THERE IS NO WAY THAT THEY CAN CONFIRM IF IT WAS A CASH DEPOSIT. I ASKED HER WHAT ELSE CAN YOU TAKE OUT OF AN ATM. THE SCREENSHOT SHOWED THE AMOUNT AS WELL THE ATM, TIME AND DATE. SHE REFUSED TO RELEASE MY FUNDS. I AHVE NEVER GIVEN NAVY FEDERAL A DEPOSIT. MY PATTERN HAS BEEN THE SAME SINCE I JOINED THE CREDIT UNION.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Problem with a fee reflecting on a day after purchase as a singular fee when I have a record of the specific transaction reflecting all transactions for that day including the purchase I got an extra fee for.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21223
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2022, at XXXX am, I consumer XXXX XXXX, contacted NAVY FEDERAL to obtain the form so I may exercise my right to rescind. XXXX, a supervisor at NAVY FEDERAL, whom failed to provide his employee id, failed to provide me with the form, in accordance with regulations of the Bureau. Pursuant to 15 USC 1635, it states we have the right of recession in the case of ANY consumer credit transaction.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Navy Federal Credit Union Rate Lock Issue XX/XX/XXXX - lengthy email received from XXXX XXXX including an itemized list of action items ; buried in the rest of the text is a notification that my rate isn't locked in XX/XX/XXXX - follow up response email from XXXX XXXX re : itemized list of action items ; bottom of the email in a smaller, different font is same notification that rate is not locked in XX/XX/XXXX - XXXX sent a short email to XXXX XXXX asking if there was anything else I needed to do in this process with me failing to remember what had and had not yet been done up to this point ; she responded no there was not XX/XX/XXXX- I sent another short email to XXXX XXXX asking if there was anything else I needed to do ; she again responded there was nothing else and that the application had moved to processing XX/XX/XXXX- I receive a call from my processor saying the rate was never locked and has now increased from 2.625 % to 3.125 % Upon speaking with XXXX XXXX and her supervisor, XXXX XXXX, they have clung to the original two emails as adequate notifications and have disregarded my two follow up requests where XXXX XXXX either missed that requirement or intentionally did not mention it. Either way, based on how she has responded and is unwilling to correct this situation, it seems as though it either rises to gross negligence or outright deception.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32547
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: NFCU has abused my intelligence along with my access and use of checking account, the whole time Ive had this account they never reported my excellence of banking. But I did receive a no access warning while out shopping and to call them and was not able view my account over 6 months ago. I called their fraud department and spoke XXXX and whom talked to with very condescending threats about me receiving a cash app deposit as if he was implying that I was money laundering and he sent me an affidavit to file out and complete and since this Ive havent heard anything. But I fo know all these banks that have closed my accounts are in legal trouble and laws suits themselves and Im suffering behind their fraudulent and the federal reserve needs to do something about this. Its ridiculous cause filing these complaints gets it nowhere okay XXXX you have NFCU listed in a mayor lawsuit for intentionally closing accounts no reason Im including myself as part of this abuse in this pending case.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76126
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX We applied and was pre-approved for a home loan with Navy Federal Credit Union. We decided to build with XXXX XXXX and also signed a contract to start building in XX/XX/XXXX as well. From that point to near the end of construction we kept in close contact with our loan office XXXX XXXX at Navy Federal. We expected for our home to be completed in XXXX. Unfortunately, is was not completed until XX/XX/XXXX. Throughout this time I ( XXXX XXXX ) have been working full time, had not changed my job at all. Unfortunately I had to take a leave of absence due to some health issues that was causing me difficulty to work and the care of my mom that was on hospice at the time ( she has since passed on in XX/XX/XXXX ). Again everything that the lender needed including bank statements and paystubs. Initially we had a closing date of XX/XX/XXXX. Everything seemed to be OK until our file was sent to underwriting. They had issues with the fact that I had a second home in my name. They ( Navy Federal ) was fully aware that I had this property and loan with XXXX Mortgage since the beginning of the loan process. The property is actually being rented out and a copy of the two-year signed lease was provided. With the loan at XXXXXXXX XXXX the loan payment was recorded incorrectly on my credit report. I provided an new mortgage statement, highlighted bank statements that the mortgage was paid out of with the amount that U said it was, a screenshot of my account page as well as an email from the mortgage team backing up everything that I said to them. This was STILL not good enough and they continually asked for this information. They ended up contacting someone from XXXX XXXX to again get this information without both my knowledge and approval. How can someone that is not associated with my account freely ask for information that I did not approve for them to do. Why was the documents already provided not good enough for them to proceed with the loan? Another issue that was brought up was the fact that I was on XXXX XXXX XXXX. Even though my paystubs that had my short-term disability pay are on the SAME employer checks that the rest of my full time pay is on they had a problem with that. My pay stayed my normal pay at 100 %, it only changed for the last three weeks of my leave. I was informed that although I was not ready, that in order for this loan to be fully approved and sent to closing that I had to be fully back at work in XXXX. They wanted an exact date that I was going to return to work. They requested extreme things such as speaking to my manager about my condition so they could verify that I am still an employee and that my salary would not change when I came back to work. They requested to speak to someone in HR for this same information. It was not enough that I had ALREADY provided both emails and screenshots/letters for the XXXX leave of absence website with all this information, I also sent over doctors documents on my leave of absence as well. I was made to return to work before I was ready to not lose the thousands of dollars that my builder already had just to FINALLY close on this loan. XX/XX/XXXX we were somehow denied the home loan after all this time. YES! Denied. The reason given was 'Delinquent past or present credit obligations '. For the entire year of XXXX we had none of this on our credit report and in fact things on our credit had only been better since we applied. The 'Delinquent past or present credit obligations ' they spoke about was because of COVID but by the end of the summer of XXXX we were back on track again. After going back and forth this denial was ultimately reversed, but not without causing me extreme XXXX and anxiety that I was initially trying to recover from which is why I was on leave. Too stressed to care and spend time with my XXXX mother because Navy Federal could not stop asking for the same information over three different ways. There were even little things like not counting some of my husbands ( XXXX XXXX ) income that they received from XXXX XXXX XXXX ( a trusted source ) requiring even more information about his income even after verification. To me something about this did not seem right. Not only invading my privacy and HIPPA laws to verify my pay which by the way under FMLA/Short Term Disability laws my job is required to reinstate me at the same position or equivalent position with the same pay, working conditions and seniority. How does an underwriter not know this? And lets not forget all the privacy laws broken with XXXX XXXX handing over my information to Navy Federal without my knowledge or approval. Thankfully, my husband and I know how to fight to the bitter end, so we did end up closing XX/XX/XXXX. Since our closing was delayed by information, they had already received multiple times we also had to form over money to the builder at closing for the delay of our closing date.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63301
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Reporting inaccurate and unverified information on my consumer reports which is harming my reputation as a consumer and hindering my ability to make necessary banking transactions. Reporting alleged debt of {$22000.00} allegedly owed to XXXX XXXX XXXX. Reporting alleged debt of {$1100.00} and {$2800.00} allegedly owed to NAVY FEDERAL CREDIT UNION. Reporting alleged debt of {$3300.00} allegedly owed to XXXX XXXX XXXXXXXX who I have no written contract with. Reporting alleged debt of {$1100.00} allegedly owed to XXXX XXXX who I have no written contract with. Violations of 15 USC 1692b ( 2 ) -stating that I owe debt. Violations of 15 USC 1692d ( 1 ) harming my reputation as a consumer. Violations of 15 USC 1692d ( 2 ) using obscene language that I, the consumer find abusive.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A