{"took":95,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":11,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15090269","_score":28.72123,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"At XXXX on XX/XX/year>, a series of unauthorized transactions were made from my Navy Federal mobile app when my phone was stolen from me by strangers. The amount transferred was {$5500.00}. I did not initiate, approve, or consent to this transaction in any form. I immediately reported the fraud to Navy Federal to try to file a fraud claim with a phone call at XXXX right after the robbery. During this call there were no protection steps taken by them to close my accounts and open new ones as the scammer had my phone in their possession. I filed a police report after this call at XXXX. I, then, had to call again at XXXX to request the protective measures of closing and opening new accounts after being advised by a police officer. I called Navy Federal on XX/XX/year> asking about tracking down the scammer through the member-to-member transaction of {$1000.00}, the person handling things over the phone refunded {$1000.00} to my account unnecessarily. Despite multiple updates by phone on my police case, I have not received any meaningful response or resolution from Navy Federal. The claim for the whole {$5500.00} was later denied, and I filed an appeal with additional information.\n\nThere is an open police investigation regarding this fraud. A suspect was positively identified by me in a police lineup, and the vehicle used in the scam was recovered. I have provided the case number and details to Navy Federal, but they have continued to treat the transaction as authorized despite the evidence.\n\nI am requesting that Navy Federal take appropriate action to reopen my claim, review the police evidence, and issue a refund for the unauthorized transaction. The lack of communication, numerous errors, and refusal to acknowledge the seriousness of the fraud is unacceptable.","date_sent_to_company":"2025-08-05T23:31:39.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"23456","tags":null,"has_narrative":true,"complaint_id":"15090269","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-08-05T23:03:27.000Z","state":"VA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["I have provided the case number and details to <em>Navy</em> <em>Federal</em>, but they have continued to treat the transaction as authorized despite the evidence.\n\nI am requesting that <em>Navy</em> <em>Federal</em> take appropriate action to reopen my <em>claim</em>, review the police evidence, and issue a refund for the unauthorized transaction. The lack of <em>communication</em>, numerous <em>errors</em>, and refusal to acknowledge the seriousness of the fraud is unacceptable."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[28.72123,"15090269"]},{"_index":"complaint-public-v1","_id":"21159295","_score":25.039244,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Navy Federal Credit Union regarding their handling of a dispute involving negligent automotive repair services that resulted in substantial financial loss and safety risk. \n\nThis complaint extends beyond a disputed charge. It involves failure to conduct a thorough investigation, premature closure of a claim, admission of internal error, and continued delay despite full evidence being providedall of which raise serious concerns under the Fair Credit Billing Act ( FCBA ). \n\nBackground of the Dispute On XX/XX/year>, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX and an XXXX  ( XXXX ) sensor, which were installed by XXXX. \n\nImmediately following this installation : The vehicle began malfunctioning Performance declined significantly Safety concerns became evident Subsequent findings confirmed : Damage to engine and brake-related wiring Compromised fuel system, including a damaged gas line The vehicle was rendered unsafe and ultimately undrivable The vehicle later failed completely and was deemed unsafe by a mechanic, forcing me to impound it and purchase a replacement vehicle. \n\nFinancial Impact As a direct result, I incurred total damages of : {$4200.00} Additionally, I had invested {$1600.00} on XX/XX/year> to maintain the vehicle, demonstrating responsible ownership and maintenance prior to this incident. \n\nDispute Process & Procedural Failures I formally disputed these charges with Navy Federal and provided all requested documentation supporting my claim, including evidence of : Negligent installation Resulting mechanical damage Financial losses directly tied to the service However, Navy Federals handling of this dispute has been deeply concerning : Failure to Conduct a Thorough Investigation My dispute was closed without a complete or proper review of the evidence submitted.\n\nAdmission of Error by Navy Federal After closing the claim, I received communication from Navy Federal acknowledging that : Documentation had been submitted as requested The claim had not been properly reviewed They apologized and reopened the dispute, confirming that the initial closure was their mistake.\n\nContinued Delay & Lack of Resolution Despite reopening the case and having all relevant documentation : Navy Federal has failed to move forward in a timely manner They are delaying resolution despite having the necessary evidence No provisional credit has been issued No clear or substantive updates have been provided This pattern reflects procedural negligence and failure to meet dispute resolution standards.\n\nRequests Made to Navy Federal I formally requested : XXXX. Full reimbursement of {$4200.00} XXXX. Provisional credit during the investigation XXXX. A complete investigation under the Fair Credit Billing Act XXXX. A written explanation for any delay or denial XXXX. Copies of all documentation used in their decision-making XXXX. Confirmation of compliance with federal dispute timelines These requests have not been properly fulfilled. \n\nLegal Concerns Under the Fair Credit Billing Act, financial institutions are required to : Conduct a reasonable and thorough investigation Avoid premature or unsupported claim closures Resolve disputes within two billing cycles ( maximum 90 days ) Correct billing errors when services were not properly rendered The failure to properly investigate, combined with an admitted internal error and continued delay, raises serious concerns about compliance with these requirements.\n\nRequested Resolution I am requesting the CFPBs assistance to ensure : Immediate full reimbursement of {$4200.00} Proper handling and completion of the dispute Accountability for the premature closure and procedural errors Assurance that Navy Federal complies with federal dispute resolution laws Closing Statement I acted in good faith, provided all requested documentation, and followed the proper dispute process. Navy Federal initially failed to properly review my claim, admitted their error, and has since continued to delay resolution despite having all necessary information. \n\nThis is not simply a delay, it is a failure of process, oversight, and compliance. \n\nI respectfully request intervention to ensure this matter is resolved fairly and in accordance with federal law.","date_sent_to_company":"2026-04-11T13:48:58.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"90043","tags":null,"has_narrative":true,"complaint_id":"21159295","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-04-11T13:24:22.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Admission of <em>Error</em> by <em>Navy</em> <em>Federal</em> <em>After</em> <em>closing</em> the <em>claim</em>, I received <em>communication</em> from <em>Navy</em> <em>Federal</em> acknowledging that : Documentation had been submitted as requested The <em>claim</em> had not been properly reviewed They apologized and reopened the dispute, confirming that the initial closure was their mistake."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[25.039244,"21159295"]},{"_index":"complaint-public-v1","_id":"8528001","_score":24.925768,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I received a notification that there was suspicious activity on my crypto wallet in XXXX. Upon logging in, I discovered that there were close to {$5000.00} worth of unauthorized transactions. Immediately, I locked my card and contacted XXXX, where I was connected with a customer support representative named XXXX. Unfortunately, XXXX was not helpful and directed me to contact my bank, Navy Federal. \n\nFollowing XXXXXXXX XXXX advice, I promptly reached out to Navy Federal and submitted a fraud claim on the same day. I was informed that the investigation could take up to 90days to be completed, with the possibility of receiving a provisional credit within 10 business days. \n\nAfter two weeks had passed, I decided to call my bank for an update, only to be told that the investigation was still ongoing and that I needed to exercise patience. However, shortly after ending the call, I received an email from Navy Federal stating that the fraud claim had been closed and no error had been found. This prompted me to immediately contact the bank again. \n\nDuring my conversation with the bank, I was informed that my case was being transferred from fraud to disputes, and that I should expect a response within 2-3 business days. However, the allocated time passed without any communication, leading me to call the bank once more. This time, I was told that I needed to personally go back to the bank and submit a dispute claim. Naturally, I became extremely upset and frustrated with the situation. \n\nIn an attempt to find assistance outside of my bank, I turned to XXXX and was directed to this platform. I sincerely hope that someone here can provide me with the necessary help and guidance to resolve this issue.","date_sent_to_company":"2024-03-13T00:54:47.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"30318","tags":null,"has_narrative":true,"complaint_id":"8528001","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-03-13T00:21:27.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["<em>After</em> two weeks had passed, I decided to call my bank for an update, only to be told that the investigation was still ongoing and that I needed to exercise patience. However, shortly <em>after</em> ending the call, I received an email from <em>Navy</em> <em>Federal</em> stating that the fraud <em>claim</em> had been closed and no <em>error</em> had been found. This prompted me to immediately contact the bank again."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[24.925768,"8528001"]},{"_index":"complaint-public-v1","_id":"14599421","_score":21.730602,"_source":{"product":"Checking or savings account","complaint_what_happened":"Summary of Complaint : I am filing this formal complaint against Navy Federal Credit Union ( NFCU ) due to what I believe to be retaliatory conduct, deceptive internal communication, and bad-faith handling of my account following the submission of a legal dividend waiver form. \n\nBackground : I hold both a business account under my XXXX and a personal account with Navy Federal.\n\nMy personal account had a charged-off balance of approximately {$200.00}. \nI submitted a dividend waiver form, exercising my right to control how dividends and associated obligations were handled. Immediately after this submission, Navy Federal began threatening closure of my business account which had no debt, no fraud, and was in regular use. \nI was told my business account would close if my personal account was not brought into good standing by XX/XX/XXXX. \nGood Faith Effort to Resolve the Issue : On XX/XX/year>, I called Navy Federal before the close of business ( around XXXX XXXX XXXX XXXX XXXX ), ready and willing to pay off the {$200.00} charge-off in full. \nI was instructed by a supervisor named XXXX to speak to XXXX XXXX but that department was already closed. \nOn XX/XX/XXXX, I called again first thing in the morning, spoke to a supervisor named XXXX, who confirmed that XXXX XXXX was not the department that handles charge-off payments and that I was misdirected the day before. \nBy that time, the business account had already been closed and the funds mailed out.\n\nEvidence of Bad Faith and Retaliation : At no point was I refusing to pay. I was misled into missing the only window they claimed I had.\n\nNavy Federal staff gave me incorrect information, refused to correct their error, and then terminated my business account which had nothing to do with the personal debt. \nThe timing of the business account closure directly following my dividend waiver filing suggests retaliation. \nWhen I attempted to appeal, I was denied access to the account portal and told they \" consider the matter closed. '' Violations/ Harm : I lost access to my business account despite being financially prepared to resolve the matter. \nI was prevented from maintaining good standing due to staff misguidance, not unwillingness. \nXXXX XXXX is now blocked from banking with NFCU not only for this business, but for any business account in the future even though the business itself had no fault. \nThis violates principles of fair dealing, member rights, and potentially credit union regulatory expectations regarding good faith dispute resolution and internal escalation. \nAt no point was my business account flagged or restricted, and I used it without incident for an extended period. \nIt was only after I submitted a dividend waiver form a lawful and administrative action that Navy Federal abruptly identified my business account as high-risk due to an unrelated personal charge-off.\n\nNo prior communications or warnings were issued regarding this alleged policy linkage before the submission of that form.\n\nThe timing and lack of prior enforcement strongly suggest retaliatory conduct or selective application of policy.\n\nNavy Federal had no issue with my business account for months the first mention of Good Standing Policy came only after I submitted a dividend waiver with legal reservations. That raises serious concerns that this closure was not about risk, but retaliation for asserting a legal right. \nXXXX said my account could be flagged high risk. \nRequested Resolution : An investigation into the conduct of Navy Federals staff, policies, and closure process.\n\nReinstatement of my business membership under the original terms ( if I am allowed to settle the {$200.00} charge-off immediately ).\n\nA written apology or corrective statement acknowledging miscommunication on the part of NFCU.\n\nAssurance that my submission of a dividend waiver form did not trigger retaliation or violate my rights.","date_sent_to_company":"2025-07-11T15:33:15.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"90046","tags":null,"has_narrative":true,"complaint_id":"14599421","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-07-11T15:26:45.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Immediately <em>after</em> this submission, <em>Navy</em> <em>Federal</em> began threatening closure of my business account which had no debt, no fraud, and was in regular use. \nI was told my business account would <em>close</em> if my personal account was not brought into good standing by XX/XX/XXXX. \nGood Faith Effort to Resolve the Issue : On XX/XX/year>, I called <em>Navy</em> <em>Federal</em> before the <em>close</em> of business ( around XXXX XXXX XXXX XXXX XXXX ), ready and willing to pay off the {$200.00} charge-off in full."],"issue":["<em>Closing</em> an account"],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[21.730602,"14599421"]},{"_index":"complaint-public-v1","_id":"18396186","_score":19.888613,"_source":{"product":"Checking or savings account","complaint_what_happened":"Contacted Navy Federal on for a debit card fraud claim XX/XX/year> with Debit card ending in XXXX for the amount of {$75.00}. Navy Federal 's response XXXX/XXXX/XXXX  : \" Based on a thorough investigation of your account activity, we have determined that no error has occurred. '' I've expressed that I did not authorize this transaction and it's fraudulent. There are other charges on my account that are suspicious as well, however, I've only decided to dispute the transaction for {$75.00} because I know how banks and lenders work. When you dispute to much, it will give them a reason ( even if disputes are valid ) to close your account. At the time this transaction as well as other transactions took place, I was incarcerated from XX/XX/year> to XX/XX/year>. During this time, I had no communication and my phone in which my navy federal account and debit card is linked and stored on my phone as well as my XXXX XXXX account was in another person 's possessions when the arresting officers took my personal belongings as soon as I got off the airplane. Whoever they gave my personal belongings to, I assume ( without evidence ) that they used my phone and made several purchases. I've asked several people around and there was no confirmation and only denial. I expressed to Navy Federal that I did not authorize anyone to use my card or make these purchases while I was in jail. I am a victim and was taken advantage of while being incarcerated with entities believing I would never get out ; therefore, whoever did it, assumed I would never notice or catch on. As much as I would like to dispute the other fraudulent transactions that I see on my account, I am willing to let bygones be bygones and perhaps financially pay for Karma ( if Ive done it to any individual and ordinary human being in society ) ; but, the {$75.00} was not authorized and it put me in huge financial debt. I was stranded and had to sleep outside in cold weather at XXXX in the morning in XXXX degree weather because the funds that were used on my account and couldn't even afford to order me a XXXX ride from the hospital to my destination. Because this {$75.00} was discovered after checking my funds, I realized whoever used it did so without my knowledge. I did not give this person my information and they used my account on their own to make purchases or transfers that I was unaware of. I am requesting a reimbursement. I submitted documentation of my incarceration date and booking ID number in which I give Navy Federal full authorization to call the county jails to confirm my incarceration and that my phone was not in possession during the times these transactions were made. As I have already submitted the documents to Navy Federal, I do not want to share any more documentation showing proof of my incarceration as well as showing proof that my personal information on my cash app was changed without my consent","date_sent_to_company":"2025-12-31T20:05:50.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"91768","tags":null,"has_narrative":true,"complaint_id":"18396186","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-12-31T19:42:16.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Bounced checks or returned payments"},"highlight":{"complaint_what_happened":["Contacted <em>Navy</em> <em>Federal</em> on for a debit card fraud <em>claim</em> XX/XX/year> with Debit card ending in XXXX for the amount of {$75.00}. <em>Navy</em> <em>Federal</em> 's response XXXX/XXXX/XXXX  : \" Based on a thorough investigation of your account activity, we have determined that no <em>error</em> has occurred. '' I've expressed that I did not authorize this transaction and it's fraudulent."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[19.888613,"18396186"]},{"_index":"complaint-public-v1","_id":"10106655","_score":19.14498,"_source":{"product":"Credit card","complaint_what_happened":"I, XXXX XXXX XXXX, am a customer/consumer as defined under 12 CFR 1006.2 ( e ), and I hold both a trust account and a credit card account with Navy Federal Credit Union XXXX I previously maintained a business relationship with Navy Federal, but I chose to close the business account due to unauthorized withdrawals by Navy Federal.\n\nSince the closure of that account, Navy Federal has continued to withdraw funds from my personal account. I intend to cease business dealings under these circumstances unless the issue reported herein is resolved. Navy Federal is classified as a debt collector under 12 CFR 1006.2 ( i ) and 15 USC 1692a ( 6 ) and ( f ), and it continues to attempt to collect an alleged debt from a credit card account that was opened on XX/XX/XXXX. \nIt appears that Navy Federal used my credit card information to obtain credit using my Social Security number without my consent, as outlined in 15 USC 1602 ( l ). I initially believed this was a routine credit check, but it seems it was intended to mislead me into an alleged contract or agreement. The contract, which is purported to be a promissory note under CFR 674.31, was never signed by me, as I do not recall encountering a signature page online during the agreement process. To my knowledge, no such signature page was provided or signed by me, other than those associated with my Social Security card and passport/ID. \nIn XX/XX/XXXX, I requested a full ledger detailing how funds were deposited, in accordance with GAAP and FAS standards. Navy Federal responded with three bills= ( bills of exchange ), statements= ( explanations ), and a copy of the contract/agreement, which did not meet the requested documentation requirements. A valid contract requires mutual agreement ( a meeting of the minds, capacity, legality offer and acceptance and the failure to provide the requested documentation constitutes a breach of the agreement.\n\nAdditionally, I requested that Navy Federal place the account into billing error status as per 15 USC 1666, cease collection efforts, and correspond solely through written communication until the issue was resolved. Navy Federal refused to comply, continued to withdraw funds from my account, and persisted in collection attempts even after I disconnected all associated email and phone numbers. They subsequently attempted to collect from my trust account, although they were unable to access it, and sent a letter stating it had a negative balance, when indeed there is always funds in the Trust, I just never authorized it, and why did Navy Federal try, not to mention the negative reporting remarks showing two credit card accounts when theres only one, and recently removed remarks from the credit report when I sent a remittance according to 31 CFR 328.5 written on behalf of my trust, on XX/XX/XXXX. Every account updated including NAVY FEDERAL afterwards. ( Exhibit Included ) To add, NAVY FEDERAL was also a part of a home that I tried purchasing last year. They, however, were not told about the home by me, but I found on my tax documents that they were listed as the payer to purchase the home that I acquired through my trust as an investment property to pass down through the trust to my children. I just so happened to look at my transcript in XXXX and noticed that the home was purchased by me through NAVY FEDERAL, but I dont live in it. How can that be? I am seeking arbitration for misleading and deceptive practices, because Navy Federal withheld vital information which should clearly have been disclosed to me according to 12 CFR 1026.17, rather it was credit card or the home purchase. Especially for {$790000.00} that I had no knowledge of, nor had in the bank for that amount, that I feel my promissory note was used to purchase the home that I do not live in. \n\nI am also seeking to rescind the contract, in which I have sent documents to amend the contract that, to my knowledge, still has not been updated, as requested. I never received a right to rescind a contract, nor did I know I had the right to do so, The Truth in Lending Act requires full disclosure of contracts, and being that it was done online, the contract was not fully disclosed. \nIn conclusion, I have made extensive efforts to resolve the issues with Navy Federal, including submitting bills of exchange, remittance payments, checks, and money orders, to both locations in Virginia of XXXX and XXXX. Specifically, a money order meeting the requirements of the Bills of Exchange Act for {$11000.00} was cashed in XXXX, while two others were retained ( Exhibit attached ), leaving the account status unchanged. All documents submitted were notarized.\n\nAdditionally, a final money order was returned with a claim of alteration, despite a similar money order being cashed earlier in XXXX mentioned above. NAVY FEDERAL instructed me to correct and resubmit the money order, which I did for more the next time so it wouldnt be late, but it was returned once again. This inconsistency is perplexing and raises questions about why one money order was accepted while the other was not. I am overwhelmed by the lack of communication and unnecessary spending that it has cost me and taking from my family. \nThe Federal Reserve Act says lawful money should be used for debt payments, and the use of Federal Reserve Notes in this context appears to be in violation. \nGiven the breaches of duty and violations encountered, I am seeking restitution for misleading and deceptive practices along with damages to my credit and harm to my mental capacity this is also to recoup all funds deposited into this account since its inception and for the funds necessary to purchase the home intended for my children. I have consistently made timely payments to Navy Federal for the past four years, with no late payments until the recent issues arose following the discovery of truth in lending discrepancies, and the necessary documents requested to be sent to me as promised. \nAttached are all relevant exhibits including recordings for your review. I request prompt resolution of these matters and look forward to your response. Due to some files being too large they were not able to be submitted. But I'm willing to send whatever needed by all means necessary including phone call conversations admitting to sending me requested documents I asked for. \n\nXXXX XXXX XXXX? XXXX & XXXX","date_sent_to_company":"2024-09-12T22:27:37.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"76502","tags":null,"has_narrative":true,"complaint_id":"10106655","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-09-12T21:40:31.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Additionally, I requested that <em>Navy</em> <em>Federal</em> place the account into billing <em>error</em> status as per 15 USC 1666, cease collection efforts, and correspond solely through written <em>communication</em> until the issue was resolved. <em>Navy</em> <em>Federal</em> refused to comply, continued to withdraw funds from my account, and persisted in collection attempts even <em>after</em> I disconnected all associated email and phone numbers."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[19.14498,"10106655"]},{"_index":"complaint-public-v1","_id":"17648861","_score":18.42464,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/XXXX of this year I purchased a custom grill from the premium jewelry company for {$2500.00} that was supposed to be mailed to be within 2 to 3 weeks of the purchase. I met with the merchant at his shop on this day and had a mold made for my mouth that he was to use to create the customized jewelry piece with diamonds a mail to myself. All initial communication was done with the merchant via XXXX, however, after about three weeks being in XXXX, I deactivated my XXXX account and sent a message to the merchant to contact me via my mobile device. The merchant did not respond and I did not receive any contact from him so I had my cousin to reach out to him and send my information via XXXX so that he could contact me once he sent off the merchandise. After several weeks of not hearing from the merchant, I found a formal dispute with Navy Federal in XXXX, requesting my money back due to failure to receive the merchandise. This dispute was denied based on the findings of no billing error, which I contacted and informed them that the dispute was never for a billing error, but due to not receiving the merchandise which was purchased. While going through this process, the merchant reached out to me, asking why he had been assessed a chargeback, and I informed him that it was because he had not been communicating with myself for my cousin about the status of my product and that I didnt have money to just throw away so I filed a dispute. He noted understanding and stated that the product is finished and that he would get it out to me. Trusting that he would be a man of his word I waited and heard nothing from him so I informed the merchant that I would be home in XXXX for two days and that we could meet up and I could just pick up the merchandise from him at that time. He responded and said great. Upon arriving in XXXX, Florida, the merchant never met up with me and XXXX several attempts of phone calls and I even showed up to his shop twice however it was closed both times so I was unable to retrieve the merchandise. The merchant then called while I was on the plane back to XXXX and informed me that he never got the money for the charge back yet and that he was waiting for that and needed my help with providing evidence to his company so that he could get his money back. I obliged and sent him the information that he was requesting. I informed him that after everything was resolved that he could just meet with my cousin and give her the merchandise as she and my aunt are coming to visit me for the holidays. He agreed to this and after several weeks again with no communication, I began reaching out and asking him for status updates. The merchant did not readily respond, and I repeatedly messaged him asking for updates to which he finally responded on XX/XX/XXXX stating that he had melted it down the grill and removed the diamond pieces and that the merchandise was no longer available to be picked up or shipped and also that he had to close his XXXX  account due to never getting the money back, which has been deemed a lie, and that I could pay again to have him remake the customized piece but for a lower fee and he would mail it out. This infuriated me and I immediately sent these messages to Navy Federal again, requesting a thorough investigation to look at all of the evidence, including all of the messages to prove that I do not have the merchandise in that I would like a refund of my money. They then denied this request again for lack of evidence and lack of proof that the merchandise was not available on the day that it was purchased. This is unacceptable as a customized piece is not going to be available which I explained in thorough detail, and that it had to be made, which is why the merchant agreed to mail it to me which is visible via the communication that was presented in the evidence. This was also an unacceptable response with clear evidence and proof from the merchant, noting that he has melted it down the product and it is no longer even available for me to obtain or get back even if I were in the US enable to get it. He is still claiming to not have the funds and not refunding me my money and has essentially stopped responding to my messages. After sending several messages via the message portal secondary to not have an American number to be able to call Navy Federal. I incurred a {$70.00} fee talking to four different persons today on XX/XX/XXXX trying to figure out what else could possibly be done or what other evidence was needed to get the funds back as I do not have {$2600.00} to throw away I was met with rudeness from one of the supervisors when I asked to speak to someone above her due to her informing me that there was nothing else that she could do for me. She advised that she didnt work for anyone and there was no one else that I could speak to in the investigation or disputes department and that if I wanted anything done further, I needed to get a lawyer and pursue legal matters in the XXXX court district. After repeatedly telling her that was not possible as I am in the United States Army, and currently serving in XXXX going to America and filing a case was not plausible in that I needed them to investigate or have a supervisor to investigate my claim and review all of the evidence thoroughly, she repeatedly said this is all we can do for you and that if I wanted to speak to someone higher up, I needed to send another message through the secure portal. I informed her that the secure portal was not helpful and I incurred a fee to make the call today so I would like to get this settled today and was continually told no and advise to consider legal measures in XXXX, Florida as there was nothing else Navy Federal Credit Union could do for me due to my lack of evidence.","date_sent_to_company":"2025-12-02T22:33:13.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"17648861","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-12-02T21:47:07.000Z","state":"AE","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["He is still <em>claiming</em> to not have the funds and not refunding me my money and has essentially stopped responding to my messages. <em>After</em> sending several messages via the message portal secondary to not have an American number to be able to call <em>Navy</em> <em>Federal</em>."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[18.42464,"17648861"]},{"_index":"complaint-public-v1","_id":"16989471","_score":17.667326,"_source":{"product":"Checking or savings account","complaint_what_happened":"PLEASE READ CAREFULLY- THIS IS NOT A DUPLICATE COMPLAINT THE ORIGINAL COMPLAINT WAS WITHDRAWN DUE TO ATTACHMENT ERRORS ON XXXX XXXX XXXX. THIS IS THE 5TH COMPLAINT THAT WAS CLOSED IN ERROR/INTENTIONALLY AS A DUPLICATE BY XXXX XXXX XXXX DO NOT CLOSE THIS COMPLAINT BECAUSE THEIR ARE NO OPEN COMPLAINTS. IF THIS COMPLAINT IS DUPLICATE PROVIDE THE COMPLAINT NUMBER OF THE DUPLICATED ACCOUNT THAT XXXX XXXX IS ACTIVELY WORKING ON. \nOn XX/XX/year>, I submitted a dispute with Navy Federal Credit Union ( NFCU ) in the amount of {$210.00} against the merchant Scentiment. The dispute was filed because the merchant refused to issue a refund for a known defective product. I had communicated with the merchant for nearly three months without resolution. During that time, I also filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX As a result, I received a response from XXXX XXXX, XXXX XXXX, who confirmed that I would receive a refund once the returned product was received in full. However, XXXX XXXX accepted fraudulent copied and padt documentation from the merchant and rendered their decision before I received the official response from XXXX XXXX. Initially, I was told I was not entitled to receive the dispute documentation, but later two managers confirmed that I was entitled per CFPB rules and regulations. I eventually obtained those documents. I submitted a second review request for the claim on XX/XX/year>, and on XX/XX/year>, I uploaded the correspondence from the XXXX to the XXXX portal. Shortly after, I received a letter stating that XXXX XXXX was unable to assist me further and advised me to contact the merchant directly. On XX/XX/XXXX, I requested copies of the documents the merchant had submitted those that allegedly invalidated my disputeand asked that the merchant be prevented from making further transactions on my account. I eventually received those documents, but after requesting another review, my request went unanswered, and the communication thread on this dispute was closed. When I called on XX/XX/year> to speak with a supervisor, I was told that nothing could be done because the case was closed and the system prevented further action. However, the manager I spoke with acknowledged that based on the documentation, I should have received a refund since it clearly states the merchant would issue the refund upon receiving the returned product which they have already received.","date_sent_to_company":"2025-11-03T18:50:21.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"76262","tags":null,"has_narrative":true,"complaint_id":"16989471","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-11-03T18:34:20.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["PLEASE READ CAREFULLY- THIS IS NOT A DUPLICATE COMPLAINT THE ORIGINAL COMPLAINT WAS WITHDRAWN DUE TO ATTACHMENT <em>ERRORS</em> ON XXXX XXXX XXXX. THIS IS THE 5TH COMPLAINT THAT WAS CLOSED IN <em>ERROR</em>/INTENTIONALLY AS A DUPLICATE BY XXXX XXXX XXXX DO NOT <em>CLOSE</em> THIS COMPLAINT BECAUSE THEIR ARE NO OPEN COMPLAINTS. IF THIS COMPLAINT IS DUPLICATE PROVIDE THE COMPLAINT NUMBER OF THE DUPLICATED ACCOUNT THAT XXXX XXXX IS ACTIVELY WORKING ON."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[17.667326,"16989471"]},{"_index":"complaint-public-v1","_id":"8557210","_score":16.213552,"_source":{"product":"Mortgage","complaint_what_happened":"During the process of applying for a home loan mortgage assumption through Navy Federal Credit Union ( NFCU ), I encountered the following issues with NFCU and its representatives ( namely, XXXX XXXX, a Collateral Risk Examiner II within the XXXX XXXX Operation Support office XXXX XXXX XXXX XXXXXXXX ) ) : XXXX lied about the expected length of time from application to closing at multiple points throughout the process ; XXXX and her colleagues within her office misrepresented what was required to close and where in the approval process I was ; XXXX did not communicate in a timely manner especially when it was clear that she was missing deadlines required in order for myself and my partner to close on the house that we were purchasing. She also ignored requests to confirm receipt of emails. \nOn numerous occasions across multiple days, XXXX lied about requesting for my application to be expedited and when pushed would consistently claim to have put the request in that day. \nAt multiple stages in the assumption process, XXXX would misrepresent what the NFCU requirements were. For example, she would insist only one type of document was required ( such as an email confirming my rental status from my landlord ) only to then retract her guidance to request a different version of the document. \nBetween XXXX and the NFCU Underwriting Department, they requested documents that my bank ( XXXX XXXX ) does not provide ( such as day-to-day end-of-day statements for my brokerage account ). \nAdditionally, they ( XXXX and the Underwriting Department ) required documents from my partner ( such as her banking statements ) only to then refuse her direct participation in the home purchase per internal NFCU rules ( not in accordance with Veteran Administration requirements ), meaning that NFCU received sensitive documents that they did not require. \nIn the week leading up to our closing and the required clear to close window, XXXX told us every day that our application would be fully reviewed and approved the next day. \nDue to lengthy delays in the closing process, XXXX would request expedited documents via email, meaning sensitive documents were sent via a non-secured method instead of the dedicated NFCU secure portal. \n\nUltimately, NFCU caused us to miss our initial financial contingency deadline in the sales contract despite assuring us that the deadline would be met. We then had to delay the date of the closing from XX/XX/XXXX to XX/XX/XXXX through multiple amended sales contracts as NFCU could not clearly communicate where I was in the process. This caused my partner to miss multiple workdays. Additionally, my partner had already given notice at her apartment because for a month, NFCU had indicated our original sales contract date was fine. This forced us to absorb hundreds of dollars in additional costs as we had to pay for storage for her belongings as well as renting moving equipment and paying movers. \n\nFor the detailed explanation see below : On XX/XX/XXXX, I applied for a mortgage assumption through NFCU. The immediate response on XX/XX/XXXX said that an examiner would be assigned within seven business days and would schedule a phone application appointment. On XX/XX/XXXX, I was connected with XXXX XXXX, a Collateral Risk Examiner II within the XXXXXXXX XXXX Operation Support office ( XXXX XXXX XXXXXXXX ), and we had our initial phone application appointment. \n\nDuring this appointment, XXXX confirmed that I had submitted all of the required paperwork to begin processing the assumption. I also specifically asked her if the purchase contracts closing date of XX/XX/XXXX, was doable given that previously, a NFCU representative had told my realtor on the phone that it could take up to 45 days. XXXX assured me that the 45-day timeframe was inaccurate, and that the process began the day that my submitted application was acknowledged, and that XX/XX/XXXX was doable and there was no need to amend the sales contract. Finally, she also said that meeting the financing contingency date of XX/XX/XXXX would be no issue for NFCU. \n\nOver the course of the next few weeks, XXXX assured me that everything was running smoothly via near bi-weekly check-ins, including on XX/XX/XXXX. However, there were miscommunications about how the down payment for the house could be provided as XXXX stated on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that my partner could provide the funds directly despite not being on the assumption application as would be joint tenants on the houses deed. \n\nHowever, on XX/XX/XXXX, XXXX said that NFCU would not be able to clear the financing contingency as their policies actually required that my partner deposit her share of the down payment in my bank account and not send it directly to the title company ( despite my partner having previously paid the earnest money deposit from her account ). XXXX then confirmed though on XX/XX/XXXX in writing to both myself and my realtor that we would still be able to close on XX/XX/XXXX. \n\nHowever, on XX/XX/XXXX, for the first time, XXXX indicated that we may not be able to close by XX/XX/XXXX. I then requested to be connected to XXXX supervisor as it was in the afternoon on the XXXX that she for the first time said we would not be able to close on XX/XX/XXXX. This request was initially ignored and then denied. When I insisted, I was told a supervisor would contact me within 24 hours. Instead, I was contacted by another non-supervisory employee who gave me further incorrect information on XX/XX/XXXX. Eventually, XXXX supervisor, XXXX XXXX became available on XX/XX/XXXX, but only after our initial closing date had been missed as the Clear to Close would have had to be issued by XX/XX/XXXX. It was only on XX/XX/XXXX that XXXX admitted that we would not close on XX/XX/XXXX and it was then for the first time that I was told directly that NFCUs timelines for an assumption application is 45 days and that XXXX had been in the wrong the entire time for telling us anything short of that timeframe would work. \n\nDuring the final week preceding the new target closing date XXXX and the Underwriting department made serial errors in requesting documents that either could not be provided, were out of the scope of the underwriting process, or were not in fact suitable. Of particular concern was the request for landlord verification letters. Initially, on XX/XX/XXXX, XXXX told me these would not be required after I specifically asked. Later, on XX/XX/XXXX, I was told that an email from both my current and previous landlord was required and that emails could be sent to me and forward to XXXX. These were sent to me and forwarded directly to XXXX that day. On XX/XX/XXXX she then told me that these were no longer acceptable and Navy Fed required the landlords directly email filled PDFs to XXXX, further delaying this process and inconveniencing my current and former landlord during their workdays with a last minute, redundant, request. \n\nIn addition, during and after the occasion of the above issues, XXXX repeatedly blamed other departments and claimed there is no cooperation and minimal communication available to manage the loan application process. In particular, she highlighted the Underwriting Department as a problem and accused the underwriter assigned to my application of going on a powertrip. XXXX also said that the underwriter was requesting excessive documents as a form of retaliation for her attempts to expedite the process following our missed closing date. Furthermore, according to the loan officer, this underwriter refused to approve the loan despite all the requested documentation until multiple supervisors had contacted the underwriting supervisor, who then directly intervened and personally inspected and approved the provided documentation the morning of our rescheduled closing ( XX/XX/XXXX ), one week after I had been conditionally approved ( XX/XX/XXXX ). Per our loan officer the typical delay between conditional approval and final approval was 2.5 days, again supported by her insistence on Thursday, XX/XX/XXXX, that we would be cleared to close on Monday, XX/XX/XXXX. \n\nFor the duration of our contact with NFCU through this assumption process, there was no sense of professionalism and XXXX recognition of the burdens ( both financial and emotional ) that NFCU 's mistakes caused myself and my partner as well as the sellers and both sets of realtors to endure. After the many delays and significant efforts expended to meet my initial closing, and then following that failure the effort to meet the updated closing, my eventual closing occurred on XX/XX/XXXX, one business day before the 45 day mark from our XX/XX/XXXX initial approval, and 50 days from our initial application on XX/XX/XXXX. \n\nFinally, during this application we were also misled by a separate loan officer, XXXX XXXX ( XXXX # XXXX ) on XX/XX/XXXX, as to the process for applying to secure a mortgage assumption through Navy Fed, leading to a redundant credit check that dropped my credit rating, and delayed the start of the actual assumption process unnecessarily. Although this was not the fault of the assumptions department, it highlights Navy Feds lack of professionalism, dearth of basic institutional knowledge, and absence of policies focused on security, preventing redundancy, and providing actual services for clients, as well as a culture that is either unwilling or unable to communicate. \n\nThis is further evidenced by the delay in creating an accessible mortgage account available through the Navy Fed banking portal, which is still inaccessible as of XX/XX/XXXX, despite closing on the assumption on XX/XX/XXXX. Upon calling NFCU customer service on XX/XX/XXXX, I was told that they had no way of knowing when it would be created, and was told to call back on XX/XX/XXXX when the assumptions department is open. I did so and once the customer service representative reached out directly to the assumptions department, I was told not to expect access to my mortgage account until XX/XX/XXXX, delaying any attempts to set up payments for the mortgage, and again highlighting the lack of transparency, accountability, and communication that seem to define the mortgage assumption process at NFCU.","date_sent_to_company":"2024-03-15T21:39:59.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"VA mortgage","zip_code":"20011","tags":"Servicemember","has_narrative":true,"complaint_id":"8557210","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-03-15T21:15:19.000Z","state":"DC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Delays in the application process"},"highlight":{"complaint_what_happened":["In addition, during and <em>after</em> the occasion of the above issues, XXXX repeatedly blamed other departments and <em>claimed</em> there is no cooperation and minimal <em>communication</em> available to manage the loan application process. In particular, she highlighted the Underwriting Department as a problem and accused the underwriter assigned to my application of going on a powertrip."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[16.213552,"8557210"]},{"_index":"complaint-public-v1","_id":"6420097","_score":14.629707,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"XXXX XXXX, XXXX XXXX, a consumer citizen of XXXX sent a letter on XXXX XXXX, via certified mail with request of validation of debts. The letter was received by NAVY FCU on XX/XX/XXXX. As it pertains to my consumer report, upon information and belief the company is attempting to collect an alleged debt pursuant to 15 USC 1692a ( 5 ). With respect to Account # XXXX, there is no debt owed. This is not a refusal with regard to payment of an alleged debt, but a request that the above claim is disputed and validation is requested ( FDCPA 15 USC 1692g Sec 809b ) in the following order : Full validation such as, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies and overall compliance with all FCRA and FDCPA by laws as instructed by federal law. It is upsetting to know such companies do not follow rules and laws. More importantly, companies such as the pursuant above should be held accountable for their actions. According to the FCRA a corporation is required to respond and complete and investigate within 30 days. As of XXXX, I still have not received anything pertaining to a complete investigation. Based upon evidence available to me, there is no debt owed. These laws are to make sure that there is a level of fairness to protect American consumers from nefarious, abusive reporting procedures on credit consumer reports, as well as illegal and deceptive collection practices. Also, I am Federally Protected Consumer and I have strong reason to believe I have been discriminated against by NAVY FEDERAL CREDIT UNION Account # XXXX in XXXX, they NEVER SENT ME in all those years a Pre Adverse Notices, or NEVER SENT ME a Adverse Action Notices. I have strong reason to believe they have discriminated against me under the Equal Credit Opportunity Act ( ECOA ). NAVY FEDERAL CREDIT UNION never informed me of my rights. NAVY FEDERAL CREDIT UNION has the obligation to correct action. ECOA protections extend through the life of loan. This comes about after a consumer sued NAVY FEDERAL CREDIT UNION for closing his credit card account without providing an explanation ( as required under the ECOA ). The CFPB had filed a friend of the court brief in that case, stating that the ECOAs crucial protections against credit discrimination do not disappear the moment that credit is extended. Rather, ECOA shields existing borrowers from discrimination in all aspects of a credit arrangement. The CFPB released Circular to reiterate creditors ' adverse action notice requirements under ECOA. I have made multiple attempts over 5 years in writing including certified mail starting in late 2018 to let NAVY FEDERAL CREDIT UNION know about the many violations and discrimination and under TILA & BILLING ERRORS 15 USC 1666 falsely furnishing negative damaging information \" late payments and charge off \" on these accounts. I have tried to explain multiple times over the years to NAVY FEDERAL CREDIT UNION what the FEDERAL LAWS says in FCRA 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions ORIGINATE FROM ME THE CONSUMER my signature, my social security number MY INSTRUMENT \" I EXTEND CREDIT '' and it is my right to operate in commerce. Does NAVY FEDERAL CREDIT UNION know OR care what happens when penalties for not complying with the ECOA happen? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to { {$10000.00} } for an individual claim or the lesser of { {$500000.00} } or 1 % of the lender 's net worth in a class action.\n\nNot only is NAVY FEDERAL CREDIT UNION appear to be discriminating against me and denying me extending credit they have been damaging my credit worthiness for 5 years now, there tarnishing my name by furnishing negative information \" late payments and chargeoffs '' on my consumer reports as a way of coercion to pay these alleged debts which is \" false misleading representation 15 USC 1692E A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. It is UNJUST ENRICHMENT and Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which NAVY FEDERAL CREDIT UNION NEVER PERFORMED this 21 days in advance so why are they furnishing negative damaging information \" late payments & charge offs '' on my consumer reports? I don't know maybe coercion, extortion, and wanting me to be quiet while I'm being violated and discriminated against these past 5 years but I'm not going to be silent anymore or be in fear of them.\n\nAlso there violating my privacy rights under the GRAMM-LEACH -BLILEY ACT by furnishing, spreading, around for profit my NONPUBLIC PERSONAL INFORMATION to non affiliated third parties. I never gave them my lawful or legal consent to share my information. And how can NAVY FEDERAL CREDIT UNION say '' I owe '' this alleged debt and by them assuming this role to falsely believe they have the Power & Authority to close my accounts when FEDERAL LAW clearly states 18 USC 8 The term obligation '' or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THE DEBT HAS ALREADY BEEN PAID BY THE UNITED STATES that's what that Federal Law is clearly stating so NAVY FEDERAL CREDIT UNION can not use the excuse \" because the consumers lack of untimely payments '' as reason to of closed my accounts. I'm just trying to make it crystal clear that I have strong reason that under ECOA there is some Violations and Discrimination occurring. And there is no Law that states a '' a drop in a consumer 's credit score '' is a valid reason to deny or cancel a consumer 's extension of credit. So NAVY FEDERAL CREDIT UNION legally, or lawfully CAN NOT state that either. I'm asking the CFPB to draw on its authority to police unfair, deceptive and abusive practices to rein in lending discrimination against NAVY FEDERRAL CREDIT UNION against me.\n\nSo again Navy Federal has yet to address a dispute for a billing error that was raised in XXXX. They were sent payable instruments for the balance at the time of both accounts. Multiple instruments for each account. To date, the payments have never been applied to my credit card accounts. They have yet to acknowledge that they have received it and refuse to send it back in the case that it was not accepted. A negotiable instrument is an acceptable form of payment as there is no money since the bankruptcy of this country. Navy Federal continues to state that I owe them money for so-called outstanding bills and repayment of the money they \" gave '' or loaned me. However, banks are not allowed to make loans according to 12 USC 83. The disclosures for these transactions have security interest clauses within it. A security interest can not be given to a person if the obligor has not already fulfilled their obligation. I am requesting the original wet-ink signed contract that compels me to perform in regards to this contract. A contract requires 2 signatures in order for it to be deemed valid. I have asked repeatedly for this information and this company keeps sending me a bunch of statements. In the case that Navy Federal can not provide me with the signed contract that I am requesting, they need to stop asking for repayment. \n\nI am requesting the return of my ANY AND ALL MONIES, down payments, as a cash down payment is a violation of TILA pursuant to 15 USC 1605 ( a ) and 15 USC 1662 ( 2 ) Please see attachment for affidavit and notice of rescission due in 20 days. Because pertinent information was withheld and neither clear nor conspicuous I blindly entered a consumer credit transaction with NAVY FEDERAL CREDIT UNION and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that NAVY FEDERAL CREDIT UNION claims I owe. NAVY FEDERAL CREDIT UNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.\n\nTo add..\n\nNAVY FEDERAL CREDIT UNION Has committed several violations under the FDCPA, TILA, FCRA, and many more which they've violated my rights as a consumer. This is not an attempt to collect a debt. 15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692d - Harassment or abuse 15 U.S. Code 1692b. Acquisition of location information 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692f. Unfair practices 15 U.S. Code 1692b. Acquisition of location information ( 4 ) not communicate by post card ( 5 ) no language or symbols on any envelope.\n\nNAVY FEDERAL CREDIT UNION LLC was reporting a completely false debt which was causing a denial of the loan. I am a single mother of 7 and I have been struggling for the past 6 almost 7 years to improve life for our family and give my children a stable home just. I knew the account was not mine so I wrote my first dispute to NAVY FEDERAL CREDIT UNION LLC As early as 6 years ago up to as recent as 15 days ago stating that Im an identity theft victim and as a result I wanted to see legal verification that this debt was approved or accepted by me. My first request was completely ignored years ago, I wrote another request and I even attempted to send the FTC REPORT. AND FOR THE POLICE REPORT Turns out you can not get a report if the incident occurred more than 12 months ago. But the FTC Website says either or.. Upon my most recent attempt 10 days later I received a letter from them stating that they found the account to be accurate. How is this possible, they had not provided legal proof or proof of identity? I re-stated several laws violated and to date they had still not provided proof per FCRA & FDCPA requirements in the event of identity theft, again stating that they were reporting accurate information and that they do not need to supply the requested information only that they have my name and address correct. How is this possible that someone can just say they have your name and address correct and you owe them a debt without no contract or legal proof whatsoever. How do they even know they have the right person???\n\nIts very disheartening to know that even though IN XXXX WE TRUST!! We still have entities that solicit and have employees working for them that continually break the law.. this places the livelihood and well being of many at risk .. physically, mentally and emotionally. \nMy children are being bullied in school because I cant afford to clothe them properly, I cant afford to cloth them properly because of the derogatory info NAVY FEDERAL HAS IMPOSED UP MY CONSUMER REPORT WITHOUT MY WRITTEN CONSENT OR PERMISSION.. we are being looked upon as lower class every day simply because NAVY FEDERAL DISCRIMINATION AGAINST ME. ABSOLUTELY NOTHING ABOUT THEIR CONTACT WAS CLEAR MOR CONSPICUOUS.. I WAS NOT GIVEN THE OPTION TO OPT OUT AT ANY TIME I have a credit score of XXXX YET IM UNABLE TO OBTAIN OR USE MY CREDIT CARD ANYWHERE .. Im unable to GROW AT MY JOB AND GAIN A BETTER POSITION.. ONE I AM OVERQUALIFIED FOR MAY I ADD.. Simply because of NAVY FCUs horrendous practices to defame my character.\n\nThe following account does not belong to me and is a result of fraud that I did not authorize : NAVY FCU- not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt. \n\nXXXX XXXX XXXX Again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), XXXX USC 6821 ( a ) ( XXXX XX/XX/XXXX To Whom It May Concern : My name is XXXX XXXX and this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. Be advised this is an identification theft notice I am requesting fraudulent accounts on my consumer report removed under Federal law and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for \" verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports At this time I will also inform vou that if your offices have or continue to report invalidated information this includes XXXX, XXXX AND XXXX this action might constitute fraud under both federal and state laws. 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n - Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. \n\n\n\nIf your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, ( Which has long past.. most recent was 2 wks ago ) all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action. Please be advised XXXX, XXXX AND XXXX. You need to remove all fraudulent inquiries from my consumer report. I've given the dates and the times of every inquiry that is on my consumer report. You shall remove the inquiries that are fraudulent on my consumer reports your credit reporting agency, and you shall do due diligence in the investigation of such fraudulent activities. The violations here I require compensation, for this has caused me grave harm purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you XXXX, XXXX AND XXXX is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. XXXX, XXXX AND XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX, XXXX AND XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data Failure to remove account in 4 days from my consumer report as requested will result in legal matters being taken and me turning you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. No reporting any information regarding said debts as related to the CRAS. \n\nIf any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. If I personally dont receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. \n\n\nXXXX, I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data Failure to remove account in 4 days from my consumer report as requested will result in legal matters being taken and me turning you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. If I personally dont receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. To Whom It May Concern : In accordance with the fair credit act XXXX has violated my rights. \nThe late payment reporting NAVY FCU. Account # XXXX XXXX XXXX - Charge Off Closed ( Along with the other aground listed below ) is inaccurate. I never made late payments. During covid a lot of peoples info was mixed up .It needs to be deleted.also has violated my rights. During XXXX the data breach has my info exposed. I filed FTC XXXX report. \n\nThese inquiries need to be deleted. Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B :","date_sent_to_company":"2023-01-11T03:37:19.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"30016","tags":null,"has_narrative":true,"complaint_id":"6420097","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-01-11T03:37:11.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION has the obligation to correct action. ECOA protections extend through the life of loan. This comes about <em>after</em> a consumer sued <em>NAVY</em> <em>FEDERAL</em> CREDIT UNION for <em>closing</em> his credit card account without providing an explanation ( as required under the ECOA ). The CFPB had filed a friend of the court brief in that case, stating that the ECOAs crucial protections against credit discrimination do not disappear the moment that credit is extended."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[14.629707,"6420097"]},{"_index":"complaint-public-v1","_id":"4166437","_score":14.339157,"_source":{"product":"Mortgage","complaint_what_happened":"This statement has all the information I can provide without adding personal identifiable information. I do have all of the emails mentioned on file. \nXX/XX/XXXX I applied for a mortgage loan through Navy Federal Credit Union in the amount of {$300000.00}. Per the preapproval letter I received I was preapproved for {$300000.00}. I later received an email from XXXX XXXX Mortgage Loan Officer | NMLS # XXXX stating she just wanted to reach out and introduce herself as the Loan Officer assigned to my mortgage loan application. She stated that she had reviewed my file and based off of the information that has been provided, I was currently pre-approved contingent upon sufficient funds to close & sufficient assets for reserves. My pre-approval was sent to my online document portal for my use. She went further to state that she would still like to review my mortgage loan application to ensure that she had all of the correct information and answer any questions that I may have. She mentioned that she would be out of the office until XX/XX/XXXX, but her back up would be monitoring her emails. If I was to respond to her email, I would also get an automatic response with her back ups contact information. I did respond to her email so that I would have her point of contacts information which was XXXX XXXX Mortgage Support Assistant | NMLS # XXXX because I did have questions. Nonetheless, with that preapproval, my family and I set out to put an offer on a home. \nXX/XX/XXXX I received an email from XXXX XXXX Mortgage Processor | NMLS : XXXX, stating she was assigned as the Mortgage Processor on my loan. Her email had a series of questions that I needed to answer and a listing of items I needed to produce. All the requested information was uploaded via XXXX within 24 hours. \nXX/XX/XXXX Mrs. XXXX sent me an email stating that if I wanted to move forward with purchasing a home she would need to withdraw my application an have another one opened up because if I was choosing to go with a VA loan, she would have to add my spouse to the application but if I wanted to do a conventional loan my spouse did not have to be on the application. This is because per her words \" Louisiana, is something called a Community Property State, in which the VA requires a spouse to be on the application as well ''. I asked her what if my husband did not meet their credit score requirement and if she needed to run my credit again, she told me she only needed to run his credit and then advised that my application would be disapproved if he did not have the proper credit score. Moving on, my husband was added to the new application and new preapproval letter was sent to me dated XX/XX/XXXX in the amount of {$270000.00} because we made an offer on a house that cost less than the previous preapproval. Additionally, the closing date assigned was XX/XX/XXXX. \nXX/XX/XXXX Mrs. XXXX sent me an email asking if my husband had any type of income and how much he paid for child support and that she added him to my file and she gave me his credit score. I responded to her email within a couple hours and let her know that I was standing by for any additional requirements. She later sent an email to verify she had his military retirement pay and XXXX pay correct and at what frequency. I responded to that email as well within the hour. \nBetween XX/XX/XXXX through XX/XX/XXXX I had not received a response from Mrs. XXXX although I had been emailing and calling to verify the status of the loan and to ensure there were no more requirements needed of me. I finally reached out to Mrs. XXXX, who was assisting Mrs. XXXX with her clients while she was on leave, to ask for assistance. Mrs. XXXX advised me to send an email to Mrs. XXXX and cc her supervisor XXXX XXXX to the email. I received an immediate response from Mrs. XXXX after that email. \nXX/XX/XXXX I received a call and email from XXXX XXXX Mortgage Processor | NMLS : XXXX, introducing herself, outlining the upcoming process and requesting more information to process the loan. Her email included a copy of my XX/XX/XXXX LES, she stated that the LES provided in XX/XX/XXXX needed to be updated. All documentation requested from her was uploaded via XXXX the same day. \nXX/XX/XXXX I sent an email to Mrs. XXXX requesting confirmation that she did receive the uploaded documents and to also question the target completion date she listed in her initial email as it was listed as XX/XX/XXXX. \nXX/XX/XXXX Mrs. XXXX responded stating that she would be reviewing the documentation I submitted that day and she would let you know if anything addition is needed. And that the actual target completion date is XX/XX/XXXX. \nXX/XX/XXXX I received a Navy Federal Credit Union notification that my appraisal was approved. I was not aware that the appraisal had even been scheduled but was grateful that it was approved. I reached out to Mrs. XXXX for more information and to find out what the next steps were. \nXX/XX/XXXX I received notification that I needed to upload my husbands Retiree Account Statement for proof of his retirement pay, which was an item I had uploaded over a month ago. \nAfter months of going back and forth with the Navy Federal Mortgage Team assigned to me ( some who introduced themselves and some I had no idea existed ) XX/XX/XXXX I was informed by XXXX XXXX Title Loan Processor II | NMLS # XXXX, that there was an issue with my loan and approval was in jeopardy. She stated that according to the underwriting dept ( no particular person was named ) the ETS on my LES was listed as XX/XX/XXXX and she asked if there was something I could submit stating that I was on contract longer than XX/XX/XXXX. I told her I have an extension that takes my contract to XX/XX/XXXX. She asked me to send that information and I did that right away along with some other documentation she requested. \nXXXX XX/XX/XXXX ( 2 days before the closing date ), Mrs. XXXX called to inform me that per the underwriting department my loan could not be approved because there was an oversight and I needed to have a contract that carries me at least 12 months pass the closing date. I reminded her that I have provided since XX/XX/XXXX, all of the information required to include my LES as well as notified both Mrs. XXXX and Mrs. XXXX that I retire after 20 years of service on XX/XX/XXXX during phone calls and that has not one time been an issue. Mrs. XXXX apologized and that she would forward all of this information to a supervisor. Later that afternoon, XXXX XXXX Mortgage Production Supervisor XXXX NMLS # XXXX, called me to discuss the pending issue. I provided all the same information as outlined in this complaint. She too, expressed her apologies, was very empathetic and stated that she would do all she could to assist. She also informed me that I would have a new Loan Officer XXXX XXXX NMLS # XXXX and between the two of them they would attempt to find a solution that would work best for me even if that meant putting me under a different type of loan. She also asked me for information regarding my student loans and items that were listed on my XXXX under allotments that were never questioned. Later that day Mrs. XXXX called me to introduce herself and discuss with me other loan options. She stated that converting me to a conventional loan would be my best option at this point because they would not be required to ensure that I had income coming in pass the closing date as is required with a VA Loan. At the end of the discussion, I was told that I would be moved to a Navy Federal Conventional Loan under their Military Choice option and a waiver request would be submitted to have the interest rate be 2.5 % as I was initially approved for vice 5 % as listed under that particular loan type. Later that day the waiver request was approved and the interest rate was locked at 2.5 %. \nXXXX XX/XX/XXXX, I reached out to Mrs. XXXX requesting a status of the loan since the closing date was the next day. She responded that, as promised, the appraisal report was converted to conventional and my file was sent back in for final review/clear to close as a conventional loan. \nXXXX XX/XX/XXXX, I reached out to both Mrs. XXXX and Mrs. XXXX via phone and email for a status of us being cleared to close. Mrs. XXXX responded with unfortunately no official decision had been made yet. She stated that Underwriting would not clear it that afternoon knowing your income is ending in < 2 months from closing. She stated that she had escalated this to senior management and they have escalated it higher and that they were doing everything they can to get an exception approved due to Navy Federal 's initial error and oversight. \nXXXX XX/XX/XXXX, I reached out to Mrs. XXXX again for a status via email. She responded and stated that, unfortunately they were still waiting on a response. Underwriting had requested a few more items be adjusted and notated for their final review/decision as they could not overlook the fact that the retirement information was already divulged. She also mentioned that a supervisor was resubmitting the file as she typed the message out to me. \nXXXX XX/XX/XXXX, XXXX XXXX Supervisor Mortgage Loan Ops | NMLS # XXXX, called to tell me that the loan would not be approved. At this time she wanted to discuss with me that it was not just because I was retiring in XXXX ( which was the entire issue up to this point ) but there were other mitigating factors as well. I responded to her that I was not willing to hear any of that because nothing else besides my upcoming retirement date has been an issue nor has anything else been discussed with me. This was a way for Navy Federal Credit Union to cover themselves from this oversight and to give a better reason for disapproving the mortgage loan. She stated that, what she wanted to discuss was not that but she wanted to ensure the real reasons I was being disapproved. \nAt that time I told her that I intended to file a formal complaint against Navy Federal for their oversight and for the fact that this has a negative effect on not only me and my family but also the family who planned to sell their home to us as they have already moved out of the state because of this pending transaction. I also let her know that this has mentally and emotionally drained me as it has added to the stressors I already have. If this the fact that I needed to have additional time on my contract to utilize my VA Loan was discussed with me in XXXX ( when I first submitted my LES ) or XXXX ( when I submitted my LES the second time ) or if during any of my conversations with Mrs. XXXX or Mrs. XXXX, then I would not have had an issue. But to wait two days prior to closing to divulge this information and then attempt to cover up the mistake is such a disservice and injustice to all involved especially from a company that prides themselves on being FOR the military. Lastly, I told her that I felt as if I was being discriminated against as a service member who is about to become a veteran. Navy Federal Credit Union is fully aware that all military retirees will receive monthly retirement pay as well as XXXX compensation. I know they are aware of these factors because Mrs. XXXX, Mrs. XXXX, Mrs. XXXX and others all attempted to utilize a military retirement calculator to determine my retirement pay as well as asked me if I had a claim pending with the VA for XXXX. Those two items were to be used to calculate my income pass the closing date per each of these ladies. I did advise that I could not speak on specific amounts because I am not close enough to retirement to have factual data for either of those pays. I also did tell them that I am actively looking for work but because I am not close enough to retirement, I am not being considered for employment just yet. Mrs. XXXX advised me that I would soon receive a declination letter electronically. She also stated that she would be submitting a request to have all of the funds we paid into this process returned. \nXXXX XX/XX/XXXX, Mrs. XXXX contacted me via email to let me know that the {$500.00} paid for the appraisal was refunded to my savings account. She also asked if could resubmit all the receipts from the inspections and XXXX deposit. Those items were sent within a few hours. \nXXXX XX/XX/XXXX, I reached out to Mrs. XXXX via email requesting a status. She responded that the letter still had not been generated and she was still waiting on an answer for the refunds. Later that afternoon, XXXX XXXX called me to introduce himself. He stated that he was XXXX XXXX Manager, she no longer works with Navy Federal, and if I needed assistance with anything to feel free to give him a call on his personal cell phone, which was the number he was calling me from. \nXXXX XX/XX/XXXX, declination letter was received via email. I am refusing to sign because the items listed for the disapproval are not the reason ( s ) I was truly disapproved. Additionally, I have not received any further communication regarding refunds of the fees paid.","date_sent_to_company":"2021-02-25T23:31:05.000Z","issue":"Closing on a mortgage","sub_product":"VA mortgage","zip_code":"70056","tags":"Servicemember","has_narrative":true,"complaint_id":"4166437","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2021-02-25T23:21:57.000Z","state":"LA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["<em>After</em> months of going back and forth with the <em>Navy</em> <em>Federal</em> Mortgage Team assigned to me ( some who introduced themselves and some I had no idea existed ) XX/XX/XXXX I was informed by XXXX XXXX Title Loan Processor II | NMLS # XXXX, that there was an issue with my loan and approval was in jeopardy."],"issue":["<em>Closing</em> on a 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