{"took":82,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":93,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9323881","_score":24.642748,"_source":{"product":"Credit card","complaint_what_happened":"Dear Sir/Madam, NAVY FEDERAL CREDIT UNION is . XXXX XXXX : I am writing to file a formal complaint against NAVY FEDERAL CREDIT Union regarding their failure to return coupon remittance securities to me after these payments were not applied to my account. The details of the complaint are as follows : **Account Information : ** - Account Number : XXXX **Details of the Complaint : ** XXXX. **Failure to Apply Payments : ** On multiple occasions, I submitted payments to NAVY FEDERAL CREDIT UNION through coupon remittances securities. These payments were intended to be credited to my account to satisfy the outstanding balances.\n\n2. **Non-Return of Securities : ** Despite these payments not being applied to my account as intended, NAVY FEDERAL CREDIT Union has failed to return the coupon remittance securities to me.. These securities represent my financial assets, and their retention by NAVY FEDERAL CREDIT Union without proper application or return constitutes a failure in fiduciary duty, and may involve the unauthorized diversion of securities, which undermines investor confidence and violates securities regulations. This is Theft and Fraud.\n\n3. **Lack of Resolution : ** I have made several attempts to resolve this issue directly with NAVY FEDERAL CREDIT UNION including contacting customer service and submitting written complaints. However, NAVY FEDERAL CREDIT UNION has neither returned the coupon remittance securities nor provided a satisfactory explanation for their actions.\n\n**Relief Sought : ** I seek the following relief from the Securities and Exchange Commission : 1. An immediate investigation into NAVY FEDERAL CREDIT Union handling of coupon remittance securities and the failure to return them to me.\n\n2. An order compelling NAVY FEDERAL CREDIT Union to apply the payments to my account or return the coupon remittance securities to me promptly.\n\n3. Appropriate sanctions or penalties against NAVY FEDERAL CREDIT Union for any violations of securities laws or regulations that may have occurred. \nXXXX. Assurance that NAVY FEDERAL CREDIT Union implements proper procedures to prevent similar issues in the future.","date_sent_to_company":"2024-06-23T13:21:29.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"30034","tags":null,"has_narrative":true,"complaint_id":"9323881","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-06-23T13:10:22.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["These <em>securities</em> represent my financial assets, and their retention by <em>NAVY</em> <em>FEDERAL</em> CREDIT Union without proper application or return constitutes a <em>failure</em> in fiduciary duty, and may involve the unauthorized diversion of <em>securities</em>, <em>which</em> undermines investor confidence and violates <em>securities</em> regulations. This is Theft and Fraud.\n\n3."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[24.642748,"9323881"]},{"_index":"complaint-public-v1","_id":"18368567","_score":23.16229,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint regarding Navy Federal Credit Unions handling of a debit card dispute involving a failure to refund a refundable security deposit.\n\nI filed a dispute on XX/XX/year> f\n\nor a {$150.00} refundable security deposit charged by a merchant after services were completed. The merchants written contract states that the security deposit is refundable and must be returned within 2448 hours after the event, provided items are returned in good condition. The event occurred on XX/XX/year>. More than three months passed with no refund and no explanation from the merchant.\n\nNavy Federal incorrectly processed the dispute as an incorrect amount charged dispute, even though I was not disputing the amount of the original charge. The dispute was specifically for failure to issue a required refund.\n\nThe merchant responded only that the correct amount was charged, which does not address a failure-to-refund claim. Despite this, Navy Federal reversed the provisional credit on XX/XX/year>, without properly investigating the merchants obligation to refund the deposit under the contract.\n\nI am requesting that Navy Federal reopen and properly investigate this dispute under the correct dispute category, consider the contractual refund requirement, and issue a credit for the refundable deposit.\n\nI believe Navy Federal failed to conduct a reasonable investigation and improperly denied the dispute due to misclassification.","date_sent_to_company":"2025-12-30T14:41:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30087","tags":null,"has_narrative":true,"complaint_id":"18368567","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-12-30T14:24:56.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["<em>Navy</em> <em>Federal</em> incorrectly processed the dispute as an incorrect amount charged dispute, even though I was not disputing the amount of the original charge. The dispute was specifically for <em>failure</em> to issue a required refund.\n\nThe merchant responded only that the correct amount was charged, <em>which</em> does not address a <em>failure</em>-to-refund claim."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[23.16229,"18368567"]},{"_index":"complaint-public-v1","_id":"9725493","_score":22.235413,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Dear Consumer Financial Protection Bureau/Federal Trade Commission , I am writing to formally file a complaint against Navy Federal Credit Union regarding their failure to provide me with signed copies of the auto loan promissory note, security agreement, and disclosure agreements for my vehicle loan, and their subsequent refusal to release the title of my vehicle. \n\nBackground : Loan Details : Auto Loan Lender : Navy Federal Credit Union Loan Account Number : XXXX Vehicle Details : XXXX XXXX XXXX XXXX Purchase Date : XX/XX/XXXX Loan Amount : {$60000.00} Issues : XXXX. Lack of Signed Documents : Navy Federal has acknowledged in writing that they do not have signed copies of the promissory note, security agreement, and disclosure agreements. This omission violates both Georgia state law and federal lending regulations, which require lenders to maintain and provide these documents to borrowers. \nXXXX. Proposed Loan Transfer : In written communication dated XX/XX/XXXX, Navy Federal informed me that due to the absence of signatures on file, the auto loan would be transferred to a consumer loan. This action further underscores the fact that the original loan agreement was not validly executed, raising significant concerns regarding the legality of their claim to the vehicle and the title. \nXXXX. Title Withholding : Despite the lack of a legally enforceable agreement, Navy Federal continues to hold the title of my vehicle, thereby restricting my rights as the vehicle owner. This action is in direct violation of Georgias Uniform Commercial Code, which necessitates a perfected security interest through a signed agreement. \nXXXX. Failure to Meet Disclosure Requirements : Navy Federal has failed to comply with required disclosure obligations under federal law, further invalidating the loan agreement and hindering my ability to make informed decisions regarding my financial obligations. \n\nLegal Grounds : Under Georgia state law and the Uniform Commercial Code ( UCC ), Navy Federals lack of signed documentation results in an unperfected security interest. This absence of a binding agreement should nullify their claim to the vehicle title.","date_sent_to_company":"2024-08-06T08:25:17.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Loan","zip_code":"30013","tags":null,"has_narrative":true,"complaint_id":"9725493","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-08-06T08:10:11.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Unable to receive car title or other problem after the loan is paid off"},"highlight":{"complaint_what_happened":["<em>Failure</em> to Meet Disclosure Requirements : <em>Navy</em> <em>Federal</em> has failed to comply with required disclosure obligations under <em>federal</em> law, further invalidating the loan agreement and hindering my ability to make informed decisions regarding my financial obligations. \n\nLegal Grounds : Under Georgia state law and the Uniform Commercial Code ( UCC ), <em>Navy</em> <em>Federals</em> lack of signed documentation results in an unperfected <em>security</em> interest."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[22.235413,"9725493"]},{"_index":"complaint-public-v1","_id":"9553982","_score":21.03849,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"THIS IS NOT A DUPLICATE COMPLAINT! \n\nXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear CFPB, Subject : Wrongful Repossession of XXXX XXXX by Navy Federal Credit Union I am writing to formally lodge a complaint against Navy Federal Credit Union regarding the wrongful repossession of my XXXX XXXX which occurred on XX/XX/XXXX. This repossession was not only unauthorized but also in direct violation of applicable laws and regulations. \n\nTo provide context, the vehicle in question is held in a trust, and the relevant documents were duly recorded at the XXXX County Clerk 's office. Despite this, Navy Federal Credit Union dismissed these legitimate documents as \" FAKE ''. This assertion is categorically false and can be corroborated by the official records at the XXXX County Clerk 's office. \n\nFurthermore, it is important to note that Navy Federal Credit Union discharged or canceled the debt associated with this vehicle in XX/XX/year>. This cancellation of debt obligates Navy Federal to issue a Form 1099-C, which they have failed to provide, adding to their list of non-compliances. \n\nAdditionally, I sent a certificated security to Navy Federal Credit Union via registered mail for payment, which was a legal negotiable instrument. However, Navy Federal Credit Union 's refusal to accept this valid form of payment was unlawful and further exacerbates their non-compliance, thus breaching their fiduciary duties to me as a client. Additionally, through a forensic investigation, I have discovered that Navy Federal Credit Union is engaging in unsafe and unsound practices, specifically pertaining to securities fraud. This revelation is deeply concerning and underscores the need for immediate action to protect investors ' interests. \n\nMoreover, at no point did I receive a letter of intent to repossess the vehicle from Navy Federal Credit Union, which is a clear violation of legal requirements for due notice. Now I have no way to get to work and take my child to school because of the actions of Navy Federal Credit Union 's thievery. \n\nUnder the Uniform Commercial Code ( UCC ) and the Fair Debt Collection Practices Act ( FDCPA ), the repossession was unlawful for the following reasons : UCC Article 9 : According to UCC Article 9, Section 609, a secured party may repossess collateral only if it can be done without breach of the peace. In this instance, Navy Federal 's actions were neither peaceful nor lawful. \n\nFDCPA Violations : Under 15 U.S.C. 1692f ( 6 ), it is a violation to take or threaten to take any nonjudicial action to effect dispossession of property if there is no present right to possession. Given the trust documents and the discharge of the debt, Navy Federal had no right to repossess the vehicle. \n\nViolation of State Law : The improper handling and dismissal of recorded trust documents also indicate a violation of state laws regarding the management and recognition of trusts and secured property. \n\nRefusal of Legal Payment : Under UCC Article 3, the refusal to accept a valid negotiable instrument, such as the certificated security I provided, is unlawful and invalidates any claim of default on the account. \n\nFailure to Provide Notice : The failure to send a letter of intent to repossess violates the requirement for due notice, further invalidating the repossession. \n\nI have researched similar cases and found that the CFPB has not taken sufficient action to help consumers in such situations. The CFPB must act to ensure that Navy Federal Credit Union is held accountable for their actions. They are not above the law and must respect consumer rights. I demand proof and evidence from the CFPB that there was a thorough investigation into this matter. Please do not take their word that they acted in a manner they feel was lawful. \n\nIn light of these violations, I am requesting the following actions from the CFPB : Immediate investigation into the unlawful repossession conducted by Navy Federal Credit Union. \n\nImmediate return of my vehicle in the condition it was repossessed. \n\nCompensation for any damages or losses incurred due to the wrongful repossession. \n\nEnforcement of the issuance of the required Form 1099-C for the canceled debt. \n\nAppropriate sanctions against Navy Federal Credit Union for their non-compliance with federal and state laws. \n\nRecognition and acceptance of the certificate security I provided as a valid form of payment. \n\nNavy Federal Credit Union 's actions have caused significant distress and inconvenience, and their failure to comply with legal requirements must be addressed promptly. I urge the CFPB to take swift action to rectify this situation, protect consumers, and ensure that justice is served. Please contact me to discuss this matter further and provide updates on the actions taken. \n\nThank you for your attention to this urgent matter. I look forward to your prompt response and resolution. \n\nGovern Yourselves Accordingly, XXXX XXXX XXXX","date_sent_to_company":"2024-07-18T19:44:07.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"32909","tags":"Servicemember","has_narrative":true,"complaint_id":"9553982","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-07-18T18:39:49.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account reinstatement or redemption after repossession"},"highlight":{"complaint_what_happened":["This cancellation of debt obligates <em>Navy</em> <em>Federal</em> to issue a Form 1099-C, <em>which</em> they have failed to provide, adding to their list of non-compliances. \n\nAdditionally, I sent a certificated <em>security</em> to <em>Navy</em> <em>Federal</em> Credit Union via registered mail for payment, <em>which</em> was a legal negotiable instrument. However, <em>Navy</em> <em>Federal</em> Credit Union 's refusal to accept this valid form of payment was unlawful and further exacerbates their non-compliance, thus breaching their fiduciary duties to me as a client."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[21.03849,"9553982"]},{"_index":"complaint-public-v1","_id":"7663618","_score":21.03087,"_source":{"product":"Credit card","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to provide a detailed account of the events that have transpired between myself and Navy Federal Credit Union, which have led to the submission of this complaint. \n\nOn XX/XX/2023, I entered into an agreement with Navy Federal Credit Union. As part of this agreement, I diligently fulfilled my contractual and fiduciary obligations, which included the discharge of debt and the transfer of the principal 's balance to the principal 's account. These actions were taken in accordance with the terms and conditions specified in our agreement. \n\nHowever, Navy Federal Credit Union has failed to honor the provisions and obligations outlined in our agreement, despite my full compliance. This breach of contract and failure to fulfill their obligations have resulted in significant financial and personal consequences for me. \n\nBased on my legal understanding and the events that have transpired, I believe that Navy Federal Credit Union is currently in violation of multiple federal laws, including but not limited to the Federal Reserve Act, Securities Act, Bills of Exchange Act, Equal Opportunity Act, Consumer Protection Act, and the Constitution. I contend that their non-compliance and disregard for our agreement may constitute actions such as extortion, securities fraud, trust fraud, interference with commerce, malpractice, breach of fiduciary duties, and breach of contract. \n\nIn addition to addressing these violations and seeking resolution for the breach of contract, I have demanded that Navy Federal Credit Union provide me with a XXXX credit card with a credit limit of {$50000.00}, as originally requested. I believe that such a credit limit aligns with my financial needs and objectives. \n\nFurthermore, Navy Federal Credit Union has ignored my Notice of Suretyship, issued on XX/XX/2023, and my Durable Power of Attorney, dated XX/XX/2023, both of which were submitted in accordance with the terms of our agreement. This failure to acknowledge these legal documents further exacerbates the situation and highlights their disregard for their fiduciary responsibilities. \n\nEnclosed with this complaint are relevant documents, including our original agreement, correspondence, records of transactions, the Notice of Suretyship, and the Durable Power of Attorney, which serve as evidence of the events described. \n\nI kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address these alleged violations. It is essential for Navy Federal Credit Union to be held accountable for their actions and to ensure compliance with federal laws designed to protect consumers like myself.","date_sent_to_company":"2023-10-08T20:30:23.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"44306","tags":"Servicemember","has_narrative":true,"complaint_id":"7663618","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-10-08T19:49:44.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Based on my legal understanding and the events that have transpired, I believe that <em>Navy</em> <em>Federal</em> Credit Union is currently in violation of multiple <em>federal</em> laws, including but not limited to the <em>Federal</em> Reserve Act, <em>Securities</em> Act, Bills of Exchange Act, Equal Opportunity Act, Consumer Protection Act, and the Constitution."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[21.03087,"7663618"]},{"_index":"complaint-public-v1","_id":"6440648","_score":20.95503,"_source":{"product":"Checking or savings account","complaint_what_happened":"It appears Navy Federal Credit Union breached their fiduciary duty in the handling of consumer credit transactions that they processed on my behalf. They failed to act in my best interest and with utmost good faith. \n\nNavy Federal Credit Union failed to provide full and fair disclosure of all material facts of hte consumer credit transaction and notify me of the processes of the transactions, the whereabouts of my financial assets and their proceeds, and failed to provide me with a monthly statement for any and all accounts, including but not limited to segregated, custodial, and securities accounts, they opened on my behalf in my name, at Navy Federal Credit Union or other financial institutions while serving as the Securities Intermediary and attorney-in-fact for each transaction and asset for which there is a book entry documented. I am also demanding the disclosure of the CUSIP numbers of my financial assets. \n\nOn XXXX XXXX XXXX an employee or agent of Navy Federal Credit Union signed for my documents sent via USPS XXXX XXXX, signature required, addressed to their headquarters to the attention of Transfer Message Department and/or CFO. Enclosed with my cover letter were entitlement orders/transfer message, notarized revocation of power of attorney, and the corresponding authorities for entitlement orders, financial assets, securities intermediaries, and securities accounts. \n\nI requested Navy Federal to disclose all accounts associated with my financial assets, sell all positions, settle any outstanding obligations that I may have, close those accounts, and transfer the proceeds to a securities account of my choice. \n\nTo-date, I have not received any of the requested documentations, and Navy Federal Credit Union has failed to process my entittlement orders according to my demand as the Secured Party/Entitlement Holder/Issuer of the financial assets XXXX I have not received correspondence from Navy Federal Credit Union stating that they are processing or need more information. Therefore, there should not be any delays in the processing of my entitlement orders. \n\nThe failure to fully disclose the information is a violation of Truth in Lending, and as such, requires treble damages in the amount of three times the finance charge. \n\nThe financial assets for which power of attorney were revoked, and proceeds and documentation was requested for were initiated on : 1. XX/XX/XXXX, {$74000.00} 2. XXXX {$63000.00} 3. XXXX, {$52000.00} 4. XXXX {$5200.00}","date_sent_to_company":"2023-01-13T21:43:48.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"890XX","tags":null,"has_narrative":true,"complaint_id":"6440648","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-01-13T20:12:14.000Z","state":"NV","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["as the <em>Securities</em> Intermediary and attorney-in-fact for each transaction and asset for <em>which</em> there is a book entry documented."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[20.95503,"6440648"]},{"_index":"complaint-public-v1","_id":"19281707","_score":20.786242,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding Navy Federal Credit Unions improper denial of my account application, despite my confirmed eligibility, and the institutions continued failure to resolve the issue.\n\nI meet Navy Federals eligibility requirements i am a child of a veteran grandchild of a veteran, and currently live with a navy federal member, yet my application was denied. When I contacted Navy Federal by phone, I was explicitly told by a representative that the denial was a system glitch, not a valid eligibility or security issue. However, each time I speak with a different representative, I am given inconsistent and contradictory explanations for the denial.\n\nI was instructed to submit documentation and complete a security appeal to resolve the issue. I complied fully and submitted all requested documentation. Despite this, no one has properly followed up, reviewed my appeal, or contacted me to resolve the matter.\n\nInstead, Navy Federal continues to send the same automated email repeatedly to this email XXXX, instructing me to resend my information, without any meaningful assistance, resolution, or escalation. This has resulted in unnecessary delays, confusion, and continued denial of access to services for which I qualify. \n\nDue to the repeated inconsistencies, lack of assistance, and failure to resolve an acknowledged system error, I am concerned that I am being unfairly and potentially illegally targeted, in violation of consumer protection laws.\n\nThis conduct raises serious concerns under : Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., which prohibits discriminatory or unjustified denials Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to the extent inaccurate or unverifiable information may have been relied upon CFPB requirements that financial institutions provide clear, accurate, and consistent information to consumers","date_sent_to_company":"2026-02-05T19:41:36.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"60466","tags":null,"has_narrative":true,"complaint_id":"19281707","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-02-05T19:28:59.000Z","state":"IL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Unable to open an account"},"highlight":{"complaint_what_happened":["I am submitting this complaint regarding <em>Navy</em> <em>Federal</em> Credit Unions improper denial of my account application, despite my confirmed eligibility, and the institutions continued <em>failure</em> to resolve the issue.\n\nI meet <em>Navy</em> <em>Federals</em> eligibility requirements i am a child of a veteran grandchild of a veteran, and currently live with a <em>navy</em> <em>federal</em> member, yet my application was denied."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[20.786242,"19281707"]},{"_index":"complaint-public-v1","_id":"15349186","_score":20.650036,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I financed a XXXX XXXX through Navy Federal Credit Union. The vehicle was repossessed, but I never received a proper Notice of Repossession beforehand. The first letter I did receive ( dated XX/XX/XXXX ) gave me only XXXX  days to pay over {$76000.00}. This letter was defective because it did not provide a full accounting, did not itemize charges, and did not include required details about the sale. Instead, it told me to call if I wanted to know how the amount was calculated, which is not how the law works. \n\nOn XX/XX/XXXX, Navy Federal sent me a Deficiency Letter claiming I owed over {$30000.00} after the vehicle was sold. That letter was also defective. It used the full charged-off balance of the loan, failed to credit me for unearned insurance or warranty refunds, and attempted to collect a deficiency even though their repossession and sale notices were unlawful. \n\nOn XX/XX/XXXX, I sent Navy Federal a certified dispute and demand letter, which they received ( I have signed green return receipts as proof ). In that letter I also raised serious concerns about repossession fraud, collateral misuse, loan repledging, securities violations, and their failure to comply with TILA and FCRA. Navy Federal has 15 days to respond, and I am still waiting.\n\nI am filing this complaint so that Navy Federals violations are documented and investigated. I am requesting that the CFPB stop Navy Federal from collecting an unlawful deficiency, remove the negative credit reporting tied to this repossession, and hold them accountable for violations of UCC, TILA, FCRA, FDCPA, and securities law. \n\n\nI am still honoring the XXXX response period I gave Navy Federal in my certified letter ( expires XX/XX/XXXX ), but I am filing this complaint now so the CFPB is on notice in case Navy Federal continues to ignore its legal obligations.","date_sent_to_company":"2025-08-18T16:18:09.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"34952","tags":null,"has_narrative":true,"complaint_id":"15349186","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-08-18T15:00:39.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account reinstatement or redemption after repossession"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I sent <em>Navy</em> <em>Federal</em> a certified dispute and demand letter, <em>which</em> they received ( I have signed green return receipts as proof ). In that letter I also raised serious concerns about repossession fraud, collateral misuse, loan repledging, <em>securities</em> violations, and their <em>failure</em> to comply with TILA and FCRA. <em>Navy</em> <em>Federal</em> has 15 days to respond, and I am still waiting.\n\nI am filing this complaint so that <em>Navy</em> <em>Federals</em> violations are documented and investigated."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[20.650036,"15349186"]},{"_index":"complaint-public-v1","_id":"17634518","_score":20.564728,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/year>, my federal Social Security XXXX benefit of {$960.00} was deposited into my Navy Federal account. This is confirmed in the official Social Security Benefit Verification Letter dated XX/XX/year> ( showing my monthly XXXX payment of {$960.00} ). \n\nImmediately after this federal benefit posted, I transferred MY OWN funds to an external account. Navy Federal is now falsely claiming that this transfer was paid using my Optional Overdraft Protection Service, which is completely untrue and contradicted by their own transaction timeline.\n\nOn the same date, Navy Federal issued an OOPS Fee Notice stating that the {$960.00} transaction was covered by overdraft protection and charged a {$20.00} fee for it, instead of recognizing that the transfer was made entirely from my Social Security benefits. The OOPS Notice showing this false overdraft classification is located on page XXXX of OOPS Fee Notice XXXX. \n\nThis is a serious violation of multiple federal laws : 1. Social Security Act 42 U.S.C. 407 ( a ) Federal benefits such as SSI can not be seized, misapplied, assigned, or used to cover overdrafts or bank fees. Navy Federals reclassification of my SSI deposit as an overdraft payment is illegal. These funds are protected and can not legally be treated as credit, debt repayment, overdraft coverage, or fee-triggering activity.\n\n2. Electronic Fund Transfer Act ( EFTA ) & Regulation E ( 12 CFR 1005 ) Navy Federal violated Regulation E by : Misrepresenting the source of my funds Misclassifying my federal benefit as overdraft credit Assessing fees against protected federal benefits Failing to provide accurate account disclosures Failing to conduct a proper investigation into my dispute 3. CFPB UDAAP Violations ( 12 U.S.C. 5531 & 5536 ) Navy Federal engaged in : Unfair practices causing harm to a consumer receiving federal benefits Deceptive practices issuing a notice falsely stating that overdraft funds were used when only Social Security funds were available Abusive practices taking advantage of a vulnerable consumer relying on protected federal benefits 4. Failure to Properly Identify and Protect Federal Benefit Deposits Banks are legally required to recognize electronically deposited federal benefits and ensure these funds are not treated as overdraft coverage or fee-generating activity. Navy Federal ignored this requirement and acted contrary to federal protections.\n\nWhat I Am Requesting Immediate correction of the transaction classification Removal and refund of the {$20.00} OOPS fee Written confirmation that my federal benefits will not be misclassified or used for overdraft in the future Correction of all account records related to this incid\nent Assurance that no further fees will be charged against federal benefit deposits Navy Federals actions present clear violations of federal banking law, consumer protection law, and protections specific to Social Security recipients. I am requesting CFPB intervention and oversight as Navy Federal is mishandling protected federal benefits and issuing misleading account notices","date_sent_to_company":"2025-12-02T12:55:56.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"20746","tags":null,"has_narrative":true,"complaint_id":"17634518","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-12-02T12:45:31.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["<em>Navy</em> <em>Federal</em> is now falsely claiming that this transfer was paid using my Optional Overdraft Protection Service, <em>which</em> is completely untrue and contradicted by their own transaction timeline.\n\nOn the same date, <em>Navy</em> <em>Federal</em> issued an OOPS Fee Notice stating that the {$960.00} transaction was covered by overdraft protection and charged a {$20.00} fee for it, instead of recognizing that the transfer was made entirely from my Social <em>Security</em> benefits."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[20.564728,"17634518"]},{"_index":"complaint-public-v1","_id":"15114015","_score":20.25075,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a formal complaint against Navy Federal Credit Union for their repeated and egregious mishandling of a clear and well-documented case of fraud on my account. I promptly reported multiple unauthorized transactions and submitted all required supporting documentation, including a police report and an FTC identity theft affidavit, in full compliance with Navy Federals dispute and appeals procedures. \n\nDespite their stated policy to respond within XXXX business days, it has now been over a month since my first appeal, and I have not received any written response or status update. The only way I discovered my fraud case had been closed was by calling Navy Federal multiple times. At no point was I officially notified of the denial in writing, nor was I provided with a valid justification or clear explanation. This is a direct violation of Navy Federals own internal policies and a likely violation of consumer protections under the Electronic Fund Transfer Act ( Regulation E ).\n\nNavy Federal is directly at fault for allowing a fraudster to gain unauthorized access to my account. Without my knowledge or consent, someone changed both the phone number and mailing address associated with my account. Navy Federal never notified me of these critical changes, which enabled the fraudster to easily take over my account, drain my savings and checking accounts of more than {$14000.00}, and open a credit card in my name. This represents a serious failure of security and internal controls on their part.\n\nNavy Federal has failed me multiple times, making it easy for the fraudster to access and exploit my private financial information. Despite multiple appeals and requests for support, Navy Federal has continued to ignore my case. They decline to meet with me in person at their branches, offer no written communication, and repeatedly promise assistance over the phone. They then close the case with no response or resolution. \n\nThis has been an extremely frustrating and distressing experience. I believe Navy Federals negligence, failure to protect my personal and financial information, and refusal to honor their responsibilities under Regulation E represent a clear violation of my consumer rights and financial privacy.\n\nI am requesting that the Consumer Financial Protection Bureau ( CFPB ) urgently investigate Navy Federals mishandling of my fraud claim, their failure to communicate as required by law, and their lack of accountability in protecting members from identity theft and financial harm. Supporting documentation, including appeal letters, denial notices, and identity theft reports, is available upon request.","date_sent_to_company":"2025-08-07T01:26:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32720","tags":null,"has_narrative":true,"complaint_id":"15114015","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-08-07T01:01:20.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["This represents a serious <em>failure</em> of <em>security</em> and internal controls on their part.\n\n<em>Navy</em> <em>Federal</em> has failed me multiple times, making it easy for the fraudster to access and exploit my private financial information. Despite multiple appeals and requests for support, <em>Navy</em> <em>Federal</em> has continued to ignore my case. They decline to meet with me in person at their branches, offer no written communication, and repeatedly promise assistance over the phone."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[20.25075,"15114015"]},{"_index":"complaint-public-v1","_id":"18065006","_score":19.96113,"_source":{"product":"Mortgage","complaint_what_happened":"On XX/XX/year>, Navy Federal Credit Union received my written Notice of Intent and Opportunity to Cure, which included a dispute and requests for clarification and validation regarding mortgage servicing. The notice provided 20 days to respond.\n\nNavy Federal responded by sending copies of the original promissory note, the security deed, and a payment history. This response did not address the substance of the dispute, did not provide clarification regarding the servicing issues raised, and did not cure the issues identified. \n\nAfter receiving this inadequate response, I sent Final Notices to Navy Federal Credit Union and related entities. These Final Notices were delivered between XX/XX/XXXX and XX/XX/year>, each providing an additional 15 days to cure the unresolved dispute. \n\nAs of XX/XX/year>, no party has provided a substantive response addressing the issues raised or curing the deficiencies identified. I am filing this complaint due to the failure to adequately respond to and resolve the written dispute.","date_sent_to_company":"2025-12-16T05:16:13.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"30052","tags":null,"has_narrative":true,"complaint_id":"18065006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-12-16T04:53:47.000Z","state":"GA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Closing disclosure or other related disclosures"},"highlight":{"complaint_what_happened":["On XX/XX/year>, <em>Navy</em> <em>Federal</em> Credit Union received my written Notice of Intent and Opportunity to Cure, <em>which</em> included a dispute and requests for clarification and validation regarding mortgage servicing. The notice provided 20 days to respond.\n\n<em>Navy</em> <em>Federal</em> responded by sending copies of the original promissory note, the <em>security</em> deed, and a payment history."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[19.96113,"18065006"]},{"_index":"complaint-public-v1","_id":"3178480","_score":19.69048,"_source":{"product":"Mortgage","complaint_what_happened":"I have discovered there is Fraud in regard to a certain \" Uniformed Secured Instrument '' / \" NOTE '' associated with my loan/ mortgage. It has come to my attention that there has been a failure for \" Navy Federal Credit Union acting as Trustee '' to disclose information to myself as a consumer for financial gain. \" Navy Federal Credit Union acting as Trustee '' is involved in the illegal transfer on my Estate/Property, where documented fraud has occurred.This matter has been thoroughly investigated & will be personally delivered to the FBI, The Pennsylvania Attorney General Office, the Secret Service and all agencies for investigation and prosecution, resulting from violations of Federal Law including, but not limited to, COUNTERFEITING and CONSPIRACY TO DEFRAUD. It has come to my attention that \" Navy Federal Credit Union acting as Trustee '' is in possession of a counterfeit \" Security Instrument '' or \" Uniformed Secured Instrument ( s ) '' that allegedly relates to my property, which was used to predicate/ claim standing to a foreclosure action and obtain a judgement the favor of \" Navy Federal Credit Union acting as Trustee '' and reached the point of a sheriff sale of my property on XX/XX/2017 to collect said \" alleged debt ''. The security instrument is not the original underlying \" wet inked '' Promissory Note/ Negotiable Instrument Pursuant to Article 3 of the Uniform Commercial Code. Mortgage loans are Governed under Article 9 of the UCC only of the mortgage passes as an incident to its underlying debt. The security instrument that \" Navy Federal Credit Union '' has is \" unenforceable '' as it has no governance since it describes itself as a mortgage loan that is secured by the original mortgage only, and further describes itself as a \" security instrument ''. \" On its face '' this document has no negotiability pursuant to Article 3 of the Uniform Commercial Code, and there has not bee a presentment of the original wet ink signature copy of a verified authenticated copy of the original attached to the complaint in the foreclosure proceedings, providing the signature on the documents submitted was signed by my hands and is not a forgery, whereby the use of this counterfeit instrument to collect a debt is unlawful and fraudulent.","date_sent_to_company":"2019-03-13T16:58:42.000Z","issue":"Closing on a mortgage","sub_product":"Conventional home mortgage","zip_code":"190XX","tags":"Servicemember","has_narrative":true,"complaint_id":"3178480","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2019-03-13T16:05:48.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["It has come to my attention that \" <em>Navy</em> <em>Federal</em> Credit Union acting as Trustee '' is in possession of a counterfeit \" <em>Security</em> Instrument '' or \" Uniformed Secured Instrument ( s ) '' that allegedly relates to my property, <em>which</em> was used to predicate/ claim standing to a foreclosure action and obtain a judgement the favor of \" <em>Navy</em> <em>Federal</em> Credit Union acting as Trustee '' and reached the point of a sheriff sale of my property on XX/XX/2017 to collect said \" alleged debt ''."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[19.69048,"3178480"]},{"_index":"complaint-public-v1","_id":"15479207","_score":19.535088,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am a member of Navy Federal Credit Union and have been unable to access my account due to repeated issues with their two-factor authentication ( XXXX ) system. XX/XX/year> I requested that Navy Federal disable 2FA temporarily so I could log in, but the system repeatedly reactivated before the promised 24-hour window expired. XX/XX/year> When I contacted Navy Federal 's Digital Service department, the representative was malicious, unhelpful, refused to connect me with a supervisor, and after pleading with her not to, she disconnected the call. I called back and a separate representative immediately connected me with a supervisor, after following recommended steps to troubleshoot this issue, it remains unresolved. As a result, I remain locked out of my account. \n\nIssue and Impact : I can not access my banking history or account statements needed for a loan application. \n\nI am now late on my rent and bills, which is causing financial hardship.\n\nNavy Federal has not provided an alternative method to access my transaction history or account records.\n\nWhile I understand the need for security, Navy Federal has a duty to provide members with reasonable access to their own funds and records. By repeatedly reactivating two-factor authentication despite my request to have it XXXX, and by refusing to provide an alternate way to access my statements or history, Navy Federal effectively blocked me from my own account.\n\nThis failure of access constitutes : An unreasonable barrier to my funds and account history, which are legally mine. \n\nA failure to provide alternate accommodations ( such as mailed/faxed statements, secure message delivery, or in-branch assistance ). \n\nNegligent customer service, as the representative refused escalation and disconnected the call instead of resolving the issue. \n\nBecause of this, I suffered financial harm I was unable to complete a loan application and am now late on rent and bills.\n\nWhat I have tried : Contacted Navy Federal multiple times by phone Requested escalation to a Supervisor but was denied and disconnected Asked for my 2FA to be disabled for 24 hours as promised, but it was reactivated prematurely recommended troubleshooting ( Clearing cache and cookies - updating cell phone software and PC operating systems )","date_sent_to_company":"2025-08-23T15:13:36.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"19355","tags":null,"has_narrative":true,"complaint_id":"15479207","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-08-23T14:40:41.000Z","state":"PA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["I am now late on my rent and bills, <em>which</em> is causing financial hardship.\n\n<em>Navy</em> <em>Federal</em> has not provided an alternative method to access my transaction history or account records.\n\nWhile I understand the need for <em>security</em>, <em>Navy</em> <em>Federal</em> has a duty to provide members with reasonable access to their own funds and records."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[19.535088,"15479207"]},{"_index":"complaint-public-v1","_id":"17576981","_score":19.339764,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am disputing a XX/XX/XXXX-day late payment Navy Federal Credit Union ( NFCU ) reported on my credit card account because the missed payment resulted from Navy Federals own error and not from any negligence on my part. \n\nMy NFCU online account is frequently and unexpectedly locked due to security triggers, making it difficult to log in. During XXXX of these lockouts, I called Navy Federal to regain access. While on the phone, the representative informed me they could set up automatic payments ( autopay ) for my credit card and confirmed it would be active going forward. I relied on this assurance. The first autopay draft processed correctly, which reinforced that autopay had been properly established. \n\nHowever, the following month, autopay did not run. Navy Federal never notified me that autopay had failed, nor did they indicate that the setup was incomplete. Because my account was again locked around that time, I could not log in to verify the payment status. I did not learn there was a problem until Navy Federal reported the account as XX/XX/XXXX days past due to the credit bureaus. \n\nI immediately contacted Navy Federal and explained that the late payment occurred only because the representative failed to correctly set up autopay as they claimed. This is the first missed payment Ive had in over XX/XX/XXXX years of perfect payment history. Despite acknowledging the previous autopay activity, Navy Federal told me they can not change the reporting, even though the late payment was caused by their own setup failure and repeated account lockouts outside my control. \n\nThe resulting derogatory mark has lowered my credit score by nearly XXXX points. This reporting is inaccurate and misleading because the missed payment would not have occurred if Navy Federal had properly activated autopay as promised.\n\nI am requesting that the CFPB require Navy Federal to correct or remove this inaccurate late payment from all credit bureaus.","date_sent_to_company":"2025-11-28T16:54:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"206XX","tags":"Servicemember","has_narrative":true,"complaint_id":"17576981","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-11-28T16:45:34.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I am disputing a XX/XX/XXXX-day late payment <em>Navy</em> <em>Federal</em> Credit Union ( NFCU ) reported on my credit card account because the missed payment resulted from <em>Navy</em> <em>Federals</em> own error and not from any negligence on my part. \n\nMy NFCU online account is frequently and unexpectedly locked due to <em>security</em> triggers, making it difficult to log in. During XXXX of these lockouts, I called <em>Navy</em> <em>Federal</em> to regain access."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[19.339764,"17576981"]},{"_index":"complaint-public-v1","_id":"21934775","_score":19.297457,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Complaint Regarding Navy Federal Credit Union Failure to Investigate and Improper Handling of Account Activity To Whom It May Concern, I am submitting this complaint regarding Navy Federal Credit Union and their handling of a serious account security and transaction dispute.\n\nI am reporting concerns related to an account holder who provided me with his login credentials ( username and password under the name XXXX XXXX XXXX DOB : XX/XX/year> ), which I now understand is a violation of Navy Federals security policies requiring members to maintain confidentiality of their access information. Despite this clear breach of policy, the institution has not taken appropriate action to investigate or address the situation.\n\nAdditionally, the account holder conducted a transaction to me for expense payment in the approximate amount of {$1000.00} and subsequently reported this transaction as fraudulent, causing a false fraud report, which caused me financial harm/loss. Based on my understanding, the funds were reversed or credited back without what appears to be a thorough or proper investigation into the circumstances. I want to formally state that I did not initiate or participate in this transaction in any improper manner. The transaction was made by the member to pay me for expenses, and I was scammed since he later received a reversed transaction and got the funds back.\n\nI contacted Navy Federal Credit Union to report these concerns ( over phone and email ) and clarify my limited involvement. However : My report does not appear to have been properly documented I did not receive any formal follow-up, response, or resolution The institution has refused to further investigate the matter At this time, the account holder continues to have access to the account without restriction, despite : Sharing credentials in violation of policy Filing what I believe to be a false fraud claim Creating a situation that has now escalated to potential legal action involving me I am requesting that the Consumer Financial Protection Bureau review this matter and require Navy Federal Credit Union to : Conduct a proper and thorough investigation into the transaction and account activity Review the handling of the fraud claim and the decision to reverse funds ( if appropiate ) Evaluate the institutions failure to document and respond to my report Ensure that my rights are protected, as I am now being impacted by this situation Review whether appropriate actions were taken in response to clear policy violations by the account holder This situation has caused significant concern and potential legal exposure for me, and I believe the bank has failed to act appropriately in handling both the security breach and the disputed transaction.\n\nI am submitting this complaint in good faith and request assistance in ensuring that this matter is properly reviewed and addressed.\n\nPlease let me know if any additional information is required. \n\nSincerely, XXXX XXXX XXXX Member Navy Federal - Access Member XXXX","date_sent_to_company":"2026-05-06T15:32:52.000Z","issue":"Unauthorized transactions or other transaction problem","sub_product":"Mobile or digital wallet","zip_code":"29414","tags":null,"has_narrative":true,"complaint_id":"21934775","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2026-05-06T15:11:36.000Z","state":"SC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["Subject : Complaint Regarding <em>Navy</em> <em>Federal</em> Credit Union <em>Failure</em> to Investigate and Improper Handling of Account Activity To Whom It May Concern, I am submitting this complaint regarding <em>Navy</em> <em>Federal</em> Credit Union and their handling of a serious account <em>security</em> and transaction dispute."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[19.297457,"21934775"]},{"_index":"complaint-public-v1","_id":"17860440","_score":19.054804,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Navy Federal Credit Union authorized or allowed the repossession of my fully paid-off vehicle, even though I possess the pink slip, never even did business/hear of them and owed no balance whatsoever. \n\nWhat Happened : - Navy Federal never notified me of any issue with my account - On XX/XX/year> around XXXX, my vehicle was taken from the front of my home without any warning by XXXX XXXX XXXX XXXX XXXX - No notices were sent before or after. No contact and I was forced to find out info - I was not behind on payments as the vehicle was fully paid. \n- On XX/XX/XXXX, went to XXXX to pay for release but they would not release it after I paid - On XX/XX/year> at XXXX, contacted Navy Credit Union and was transfer to the XXXX department at XXXX to get more information. XXXX ( Florida ) took my information and said that it was going to her supervisor. At XXXX XXXX asked for some additional document which were emailed. \n\nWhy This is Illegal : - Navy Federal had no legal lien, no security interest, and no right to assign a repossession - If an error occurred, it is a major internal failure and resulted in the wrongful taking of my personal property- This constitutes : - wrongful repossession - Conversion - Violation of consumer protection and loan servicing laws - Failure to provide required notices What I Want the CFPB to Require : - Full investigation into Navy Federal 's authorization of this repo - Immediate release/ return of my vehicle- All records of any repossession assignment - Explanation of how a paid-off account generated a repo order - Compensation for damages and towing/storage fees- Confirmation the XXXX is removed from all internal records I certify this is accurate and request immediate review","date_sent_to_company":"2025-12-09T04:24:20.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"92707","tags":"Older American","has_narrative":true,"complaint_id":"17860440","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-12-09T03:30:15.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["Why This is Illegal : - <em>Navy</em> <em>Federal</em> had no legal lien, no <em>security</em> interest, and no right to assign a repossession - If an error occurred, it is a major internal <em>failure</em> and resulted in the wrongful taking of my personal property- This constitutes : - wrongful repossession - Conversion - Violation of consumer protection and loan servicing laws - <em>Failure</em> to provide required notices What I Want the CFPB to Require : - Full investigation into <em>Navy</em> <em>Federal</em> 's authorization of this repo - Immediate release"],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[19.054804,"17860440"]},{"_index":"complaint-public-v1","_id":"17642648","_score":19.03175,"_source":{"product":"Checking or savings account","complaint_what_happened":"Subject : Navy Federal Credit Union allowed unauthorized access, failed identity verification, ignored account restrictions, and is attempting to hold me liable for this debt. \n\nComplaint : RE : NFCU Member Number XXXX In XXXX, Navy Federal Credit Union ( NFCU ) allowed another individual my mother to access my account in person at two different branch locations using my XXXX state-issued ID. The branch staff at both locations failed to verify me as the designated party, and failed to verify my required codeword, which was mandatory on all my accounts. They also ignored a documented security instruction on my accounts stating : Do NOT accept personal checks, including personal checks from me. \n\nDespite these protections, Navy Federal allowed this person to : Present my ID Bypass identity verification Cash several personal checks Conduct unauthorized transactions The checks were invalid, and the account was driven negative. As a result, Navy Federal closed my accounts and has continued to claim that I owe them more than {$4000.00} when I only wanted to call to rectify the situation in ensuring it was resolved and I wouldnt be responsible. \n\nI did not authorize this transaction, nor did I participate in it. NFCUs negligence directly allowed the fraudulent transactions to occur. Their failure to follow their own authentication procedures resulted in reputational, financial, and ongoing emotional harm. \n\nFurthermore : Upon discovering the situation and attempting to rectify it with finding a solution, Navy Federal implied I should help them prosecute my mother, which felt coercive and inappropriate as if I played a part in her actions.","date_sent_to_company":"2025-12-03T01:08:59.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"335XX","tags":null,"has_narrative":true,"complaint_id":"17642648","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-12-03T00:47:54.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Their <em>failure</em> to follow their own authentication procedures resulted in reputational, financial, and ongoing emotional harm. \n\nFurthermore : Upon discovering the situation and attempting to rectify it with finding a solution, <em>Navy</em> <em>Federal</em> implied I should help them prosecute my mother, <em>which</em> felt coercive and inappropriate as if I played a part in her actions."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[19.03175,"17642648"]},{"_index":"complaint-public-v1","_id":"10243394","_score":19.028399,"_source":{"product":"Credit card","complaint_what_happened":"Formal Demand for Custodianship, Control, XXXX Accounting, Rescission, and Immediate Remedy for Account # XXXX [ XXXX XXXX XXXX ] [ c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California, XXXX ] [ XXXX ] [ ( XXXX ) XXXX ] Date : [ XX/XX/XXXX ] XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX, I am writing to formally assert my rights under the Uniform Commercial Code ( UCC ), the Uniform Transfers to Minors Act ( UTMA ), and federal securities law. I demand immediate action regarding my Navy Federal Credit account XXXX # XXXX, which has been mishandled based on multiple violations of UCC law and mismanagement under securities regulations. Additionally, I demand that Navy Federal recognize me as the custodian of this account, without any limitations or restrictions that may apply to minor accounts. The credit balance reflected on my recent billing statements of {$8700.00} constitutes an amount owed to me, and your failure to address this issue in a timely manner violates several legal provisions, as detailed below. \n\n1. Rescission of Interest in the Credit Card Member Agreement Effective immediately, I am rescinding any and all interest or rights I may have granted Discover under the original credit card member agreement. This rescission applies to any control Navy Federal Credit Union has over the account or funds and negates any claim Navy Federal Credit Union may have had to enforce terms of the original agreement. Going forward, Navy Federal Credit Union will have no claim or interest in the credit balance or in controlling the terms of the account. \n\n2. Demand for Control and Custodianship of the Account ( UCC 9-104 and UTMA ) Under UCC 9-104 and principles outlined in the Uniform Transfers to Minors Act ( UTMA ), I, as the secured party and legal custodian, demand immediate control and custodianship of my account. This includes updating all account records to reflect my status as the sole custodian, removing any limitations, and transferring control of the account to the XXXX : XXXX XXXX XXXX XXXX XXXX \n\n3. Retitling the Current Account to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of my custodianship and legal control over the account, I formally request that the current Navy Federal Credit Union account XXXX XXXX be retitled under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This change will ensure that all future transactions, account records, and legal obligations are reflected under the name of the trust. \n\n4. Violation of UCC Article 9 - Secured Transactions ( UCC 9-607, 9-609-610 ) Navy Federal Credit Unions failure to properly manage the credit balance violates UCC 9-607 and 9-609-610. These sections require the secured party ( Navy Federal Credit Union ) to handle and account for collateral ( my credit balance ) in good faith and ensure that the rightful party ( myself ) receives proper credit or payment. \n\n5. Billing Statement as a Security ( UCC Article 8 - Investment Securities ) Under UCC Article 8 ( California UCC 8102 ), a billing statement that reflects a credit balance is treated as a security. As such, Navy Federal Credit Union has a legal obligation to recognize the credit balance and refund it to me as the rightful claimant. \n\n6. Custodianship, Removal of Minor Restrictions, and Request for GAAP Accounting As the sole account holder and custodian, I hereby demand that Navy Federal : 1. Retitle the current account # XXXX under the XXXX : XXXX XXXX XXXX XXXX XXXX \n2. Remove any restrictions associated with minor accounts and confirm that my account is now fully under my control as an adult with no limitations. \n3. Provide a GAAP-compliant accounting of my accounts financial activity, including any past and present transactions, credit balances, and any outstanding obligations. \n4. Provide written acknowledgment that these updates have been made to all relevant records and that no future restrictions will be imposed without my explicit consent. \n\n7. Threat of Securities Fraud Report to the SEC As a publicly traded company, Navy Federal Credit Union has obligations under federal securities laws to provide accurate and transparent financial reporting. The continued mishandling of my credit account, including failure to refund the credit balance owed to me, constitutes a potential violation of SEC Rule 10b-5 under the Securities Exchange Act of 1934. If Navy Federal Credit Union does not resolve this matter immediately, I will report these violations to the Securities and Exchange Commission ( SEC ) for further investigation. \n\n8. Summary of Additional Legal and Regulatory Actions I Will Pursue If Navy Federal Credit Union does not respond or comply within 48 hours, I will take the following actions to enforce my rights : 1. File a Complaint with the CFPB and the XXXX : I will submit a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), which oversees credit card practices. The CFPB will require a response from Navy Federal Credit Union within 15 days. \n2. Report to the State Attorney General and OCC : I will escalate this matter by filing a complaint with the California Attorney Generals Office and the Office of the Comptroller of the Currency ( OCC ), both of which have the authority to investigate and enforce compliance. \n3. Dispute with Credit Reporting Agencies : If this error has affected my credit report, I will file disputes with all major credit reporting agencies to ensure accurate reporting. \n4. Legal Action for UCC Violations : I will file a lawsuit for breach of contract, breach of fiduciary duty, and violations of UCC Articles 9, 8, and 3, seeking full damages and restitution. \n5. Arbitration or Public Complaint via XXXX  : I will pursue arbitration or file a public complaint with the XXXX XXXX XXXX  ( XXXX ) if necessary, to apply further pressure. \n\nSincerely, [ ] Trustee, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mail XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ] [ c/o XXXX XXXX XXXX XXXX  ] [ XXXX XXXX XXXX California XXXX ] XXXX XXXX ] [ ( XXXX ) XXXX ] [ XXXX XXXX ] Navy Federal Credit Union [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX XXXX Virginia XXXX ] Subject : Notice of Equitable Interest and Request for Accounting To Whom It May Concern, I am writing to formally assert my equitable interest in the accounts associated with Navy Federal Credit Union. It has come to my attention that Navy Federal claims I owe an alleged debt. However, the billing statements I have received reflect a positive balance, indicating that my accounts should possess transferable credits or should be accompanied by a check. \n\n# # # Allegations and Requests : 1. **Insolvency Concerns** : It has been noted that Navy Federal 's bankers have exhibited signs of inconsistency and insolvency. I request a proper accounting of my accounts, including all forms and CUSIPs associated with my account, including 1099-C and 1099-OID forms, so that I may accurately assess my tax obligations and balance my books. \n\n2. **Request for Documentation** : I also require a copy of Navy Federal 's GAAP banking principles, SEC filings , and prospectuses related to my accounts. This information is essential for transparency and understanding the financial practices employed by your institution. \n\n3. **Maxims of Equity and Legal References** : Under the principles of equity, it is established that equity regards as done that which ought to be done. Additionally, I invoke the following USC and UCC codes that support my position : - **UCC 1-103** : Principles of law and equity supplement the UCC. \n- **UCC 3-203** : Transfer of rights in an instrument. \n- **USC Title 15 1692** : Fair Debt Collection Practices Act, prohibiting false or misleading representations. \n\n4. **Balancing Books with the IRS** : I request that all accounts be balanced properly with the IRS. Furthermore, I demand the reopening of any accounts that were unlawfully closed, allowing them to be used privately for offsets, offset transfers, debits, and discharges. \n\n5. **Original Creditor and Surety** : I declare that I am the original creditor and surety on this account, and I have been subjected to false and misleading representations and negligence on the part of Navy Federal . \n\nXXXX Mail # XXXX XXXX XXXX XXXX XXXX # # # Demand for Action : Navy Federal has 15 days from the receipt of this notice to rectify all accounts and provide the requested documentation. Should this not be resolved satisfactorily, I will expect all agents involved in this matter to vacate their positions within the company. \n\n# # # Request for Validation of Debt : I request validation of the alleged debt as provided for under the Fair Debt Collection Practices Act. This includes proof of the debt 's legitimacy and any associated documentation that supports Navy Federal 's claims against me. \n\n# # # Conditional Acceptance : This notice serves as a conditional acceptance of the current situation, pending the satisfactory resolution of the issues outlined above. Should Navy Federal fail to comply with my requests, I will consider taking further action to protect my rights and interests. \n\n# # # Estoppel and Acquiescence : By failing to address these matters in a timely and proper manner, Navy Federal is estopped from denying my claims. Your prior conduct and representations have led me to rely on your assurances regarding my accounts and financial standing. \n\n# # # Prayer for Relief : I seek relief for all injuries sustained by myself and my children as a result of Navy Federals actions, including but not limited to emotional distress and financial hardship. I expect a formal acceptance of this notice upon receipt. \n\nThank you for your immediate attention to these serious matters. I look forward to your prompt response. \n\nSincerely, [ ] [ XXXX XXXX XXXXXXXX, XXXX ] Done In Good Faith.","date_sent_to_company":"2024-09-25T14:57:07.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"92114","tags":null,"has_narrative":true,"complaint_id":"10243394","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-09-25T14:41:21.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Other problem"},"highlight":{"complaint_what_happened":["Threat of <em>Securities</em> Fraud Report to the SEC As a publicly traded company, <em>Navy</em> <em>Federal</em> Credit Union has obligations under <em>federal</em> <em>securities</em> laws to provide accurate and transparent financial reporting. The continued mishandling of my credit account, including <em>failure</em> to refund the credit balance owed to me, constitutes a potential violation of SEC Rule 10b-5 under the <em>Securities</em> Exchange Act of 1934."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[19.028399,"10243394"]},{"_index":"complaint-public-v1","_id":"6681143","_score":18.950205,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"In XX/XX/XXXX, I went to a car dealership with a pre-approval from Navy Federal. Importantly I purchased the car with the pre-approval in New Jersey, and I am a North Carolina resident. Having paid the title fee, I was told by both the dealership and Navy Federal confirmed that the transfer of the title would be transferred to Navy Federal as required. While Navy Federal changed the initial interest rate from the one shown after the initial purchase should be noted, but it's not the primary concern I'm reporting here. \n\nIn XX/XX/XXXX, I noticed Navy Federal had increased the rate of the loan to 15.29 % without notifying me of the increase in my rate. When I called Navy Federal in XXXX to inquire, they revealed that they had increased the rate because they had not received the title. I asked again if that was something I was supposed to provide them, and they confirmed that was something they receive in the normal course from the dealership. During the XXXX - XXXX time period, Navy Federal had sent me over 40 emails, almost all of which were marketing emails, but not a single email about the increase in rate or the missing document. Further, in the secure messaging on their own website, there was no message about the predatory increase or the failure of Navy Federal and the dealership to appropriately transfer the title. During this time, I received no phone calls or text messages from Navy Federal. On the phone, they claimed they sent a notification via mail, but I have never received the alleged correspondence. Further, they could not confirm the address they'd provided the notices. They claimed it was for security reasons, but I had already answered all their security questions and been cleared. Even if the \" notification '' actually existed, it's obvious they were intentionally avoiding using a reliable communication channel ( email, secure mail, phone, or text messages ). They were not using the same communication tools they use to market their services or provide my typical account notices. On the phone, they told me I had to call the dealership, and there was nothing they could do. The loan would continue at the predatory rate. I called the dealership, XXXX XXXX XXXX in XXXX New Jersey, who confirmed they had appropriately handled the title in XX/XX/XXXX. At no point have I ever had possession of the title. \n\nFinally, I had the payments for the car payment set to autopay at the appropriate amount for the original rate. However, when they increased the rate without notifying me, one payment at the new predatory rate, was listed as not fully paid. I had to scramble to make up the {$300.00} in additional monthly interest to try to avoid this affecting my credit report. They have not confirmed that they will not report it as a missed payment on my credit report. \n\nAgain, I tried to report this to Navy Federal, and they said they could not respond because I'd initiated this request through their mobile app. I notified them I would be contacting the CFPB as I could not resolve this with the bank directly. \n\nPlease investigate the predatory auto lending practices and lack of appropriate notification at Navy Federal Credit Union. Auto Loan XXXX.","date_sent_to_company":"2023-03-11T17:04:15.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"28226","tags":"Servicemember","has_narrative":true,"complaint_id":"6681143","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2023-03-11T16:27:59.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem with the interest rate"},"highlight":{"complaint_what_happened":["During the XXXX - XXXX time period, <em>Navy</em> <em>Federal</em> had sent me over 40 emails, almost all of <em>which</em> were marketing emails, but not a single email about the increase in rate or the missing document. Further, in the secure messaging on their own website, there was no message about the predatory increase or the <em>failure</em> of <em>Navy</em> <em>Federal</em> and the dealership to appropriately transfer the title. During this time, I received no phone calls or text messages from <em>Navy</em> <em>Federal</em>."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[18.950205,"6681143"]},{"_index":"complaint-public-v1","_id":"8402770","_score":18.909727,"_source":{"product":"Mortgage","complaint_what_happened":"This Billing Error Dispute is for past, present and future Certificate of Indebtedness under all contracts with NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX # XXXX XXXX NFCU Failed to credit account for certificate of indebtedness NFCU did not credit account from dividends of payments from interest from treasury coupons via electronic transfer funds act. XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$3700.00} & XXXX XXXX XXXX Savings deposit XXXX {$250000.00} failure to credit XXXX XXXX XXXX {$8000.00} Good Faith Tender reversed after crediting half to account and reporting to credit bureau NFCU states account is closed, account is only closed for deposits, and the only way NFCU would know that is because they tried to return the funds and wasnt able to, which is proof of received and dishonor. Certificate of indebtedness Marketable security XXXX XX/XX/XXXX {$4800.00} Failed to credit account XXXX XX/XX/XXXX {$80000.00} check number XXXX Full satisfaction and accord Failed to credit account Privacy Notice XXXX As a federal protected consumer I /we are now opting out of any and all authorization, I /we the consumer may have given you written, un written and non verbal per 15 USC 6802 XXXX, XXXXXXXX XXXX XXXX  XXXX, and all agency whom you have shared our information with. New Terms I/we are taking back the security that I/we willfully gave you, you can no longer have it. I/we rescind the security interest and proceeds make sure it flow through our account effective immediately. I/we rescind your ability to foreclose and all ability to take possession, for security fraud as I /we received no benefit for our investment for use of our securities. I /we Revoke all Statutory Lien : NFCU acknowledge we revoke our pledge to Navy Federal a statutory lien in my/our shares and dividends on deposit in all joint and individual accounts and any monies held by Navy Federal now and in the future, to the extent of any loan made and any charges payable. All is herby revoked I/we Revoke all Security Interest : NFCU acknowledge we revoke our pledge to Navy Federal a security interest in the collateral securing loan ( s ) that l/we have with Navy Federal now and in the future, This security interest in collateral securing loans is now revoked and does not apply to any loan ( s ) on my/our primary residence. I/we Revoke all Contractual Lien : We revoke all authorization to Navy Federal to transfer funds from any accounts in which I/we have an ownership interest to correct a negative or overdrawn amount on any account on which my/our name ( s ) appear ( s ). My/ Our revoke applies to all funds I/we voluntarily deposit into Navy Federal accounts , including Social Security funds , as permitted by law Navy Federal may not restrict account access or delay the approval of any credit, funds, equivalent loans on any accounts, including all FDIC deposits, certificate of indebtedness, dividends, cash equivalent, and interests. NFCU agrees as Security Agents to handle all of our marketable securities in compliance with the security and exchange act and electronic funds act. Navy Federal all agents and assignees agree to operate in honor, full transparency, and equity. By law Navy Federal understand they are only allowed to keep twenty percent for compensation and Since the inception of the account no dividends have been paid. NFCU herby agrees to turn over all cash value from all marketable securities and or cash equivalents without delay before end of closing day. These terms are non negotiable. Our Rights and Your Responsibilities After You Receive Our Written Notice You must acknowledge our letter within 30 days, unless you have corrected the error by then. Within 90 days, you must either correct the error or explain why you believe the bill was correct. After you receive our letter, you can not try to collect any amount we question or report us as delinquent. You can not continue to bill us for the amount we question, including finance charges, and you can not apply any unpaid amount against our credit limit. We do not have to pay any questioned amount while you are investigating, and we are not obligated to pay the bill until all issues have been resolved. Navy Federal Agrees should there be any discrepancies agents will sign all Billings under penalty of perjury without delay and any refusal will render documents frivolous and not binding. I /we Under penalty of perjury, certify that ( 1 ) the SSN/ITIN provided is correct, ( 2 ) I am not subject to backup withholding, and ( 3 ) I am not US Citizen or US resident alien XXXX I am the living woman authorized to autograph this on behalf of XXXX XXXX XXXX and everything stated here is true and correct to the best of our knowledge. All rights are reserved without prejudice and without recourse. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND ALL ASSIGNEES DONE IN GOOD FAITH WITH CLEAN HANDS FOR XXXXXXXX XXXX XXXX","date_sent_to_company":"2024-02-22T19:12:44.000Z","issue":"Trouble during payment process","sub_product":"Home equity loan or line of credit (HELOC)","zip_code":"28120","tags":null,"has_narrative":true,"complaint_id":"8402770","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-02-22T19:00:17.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Trying to communicate with the company to fix an issue while managing or servicing your loan"},"highlight":{"complaint_what_happened":["I/we Revoke all Contractual Lien : We revoke all authorization to <em>Navy</em> <em>Federal</em> to transfer funds from any accounts in <em>which</em> I/we have an ownership interest to correct a negative or overdrawn amount on any account on <em>which</em> my/our name ( s ) appear ( s )."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[18.909727,"8402770"]},{"_index":"complaint-public-v1","_id":"11922515","_score":18.761593,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am filing a complaint against Navy Federal Credit Union regarding their mishandling of a fraud incident on my account that resulted in a financial loss of {$1100.00}. \n\nOn XX/XX/XXXX I received a phone call from an individual impersonating Navy Feds fraud department. This individual had access to my past transaction history and instructed me to transfer funds due to alleged fraudulent activity.\n\nShortly after, I was locked out of my account. When I contacted Navy Feds customer service, a representative confirmed that my account had been compromised and guided me through security changes.\n\nI later discovered that the fraudster had filed unauthorized disputes before contacting me. I had never previously filed disputes on my account.\n\nAfter visiting a Navy Fed branch, I filed my first legitimate dispute, which was initially approved but then reversed without notice. \nI submitted a formal appeal on XX/XX/XXXX, and only received notification of its denial on XX/XX/XXXX. Navy Fed failed to provide a clear explanation for the denial. Despite Navy Feds own fraud department acknowledging the account compromise, they have refused to return my stolen funds. This demonstrates a failure to properly investigate and protect my account.","date_sent_to_company":"2025-02-05T00:28:49.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"21227","tags":null,"has_narrative":true,"complaint_id":"11922515","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-02-05T00:17:26.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["When I contacted <em>Navy</em> Feds customer service, a representative confirmed that my account had been compromised and guided me through <em>security</em> changes.\n\nI later discovered that the fraudster had filed unauthorized disputes before contacting me. I had never previously filed disputes on my account.\n\nAfter visiting a <em>Navy</em> Fed branch, I filed my first legitimate dispute, <em>which</em> was initially approved but then reversed without notice."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[18.761593,"11922515"]},{"_index":"complaint-public-v1","_id":"17822317","_score":18.576984,"_source":{"product":"Checking or savings account","complaint_what_happened":"Navy Federal Credit Union froze my personal savings account ending XXXX on XX/XX/year>, without notice, without a lawful basis, and without complying with XXXX XXXX or its own member communication standards. \nFor over XXXX months, Navy Federal withheld my funds, refused to provide required disclosures, and denied me access to my own money. \nOn or around XX/XX/year>, XXXX XXXX initiated unauthorized internal cashiers check management activity on my frozen account without my consent, without notice, and despite the account being frozen. \nI also called Navy Federal multiple times and representatives repeatedly told me to contact the originator of the funds, which was false, misleading, and legally improper. \n\nNavy Federal Repeatedly Told Me to Contact the Originator, Which Is Legally Improper Multiple Navy Federal representatives stated that I must contact the originator of the funds to resolve the freeze. \nThis was : factually false, legally incorrect, and a deceptive misrepresentation of how banking law works. \nThere is no third-party originator involved in my situation. Navy Federal already : accepted the deposit, credited it to my account, placed a freeze, and took full control and custody of the funds.\n\nOnce a deposit is accepted, Navy Federal alone is responsible for holds, freezes, or reversals. \nA. Privacy Law Violations ( XXXX & XXXX ) Directing me to an outside originator violates : GLBA prohibits implying that outside parties control or have information about my private account RFPA prohibits directing members to external parties for internal account matters XXXX XXXX Violation This instruction misled me about : who had authority, who was responsible, and how to resolve the issue. \nThis is a deceptive practice under 12 U.S.C. 5531 & 5536.\n\nPrivacy Law Violations Navy Federal violated federal privacy requirements by : implying that external parties had authority over my account, failing to keep member account information confidential, misdirecting me to unrelated third parties, failing to adhere to GLBA-required transparency and accuracy, refusing to communicate via the email address I designated. \nThis is inconsistent with GLBA, RFPA, and Navy Federals own published privacy commitments. \n\nViolations of Federal Banking Regulations A. REG CC Violations ( 12 CFR 229.10229.13 ) Navy Federal failed to provide : written reasons for the hold, legal basis for the freeze, any timeframe for release, any Reg CC-compliant disclosures, and instead performed unauthorized account actions.\n\nB. UDAAP Violations ( Unfair, Deceptive, Abusive Conduct ) Navy Federal engaged in : Unfair practices withholding access to essential funds without cause Deceptive practices misrepresenting that the issue involved a third-party originator Abusive practices exploiting its position to obscure internal decisions XXXX Unauthorized Account Activity The unauthorized cashiers check activity is a severe regulatory violation. \n\nRetaliation After My XXXX Release Demand On XX/XX/year>, I issued written notice giving Navy Federal XXXX XXXX to release the funds and correct the unlawful freeze. \nImmediately afterward, Navy Federal : escalated internal account actions, initiated unauthorized cashiers check procedures, generated contradictory internal messages, increased internal activity on the account. \nThe timing strongly indicates retaliation for asserting my legal rights, which is prohibited under UDAAP and NCUA fair-dealing expectations.\n\nTheft by Conversion and Unauthorized Use of Funds Navy Federals conduct satisfies the elements of theft by conversion : A. Unauthorized XXXX and XXXX XXXX funds were frozen without lawful authority. \nB. Unauthorized Internal Use ( Float Benefit ) Interest continued to accrue while I was denied access, meaning Navy Federal used my funds internally.\n\nC. Unauthorized Change in Form Navy Federal initiated cashiers check activity without my consent converting my deposit into a different instrument.\n\nD. Deprivation I have been denied access to my own funds for months.\n\nThis constitutes misappropriation and conversion under both federal consumer protection standards and state law.\n\nUnauthorized Cashiers Check Management Activity Navy Federal initiated cashiers check procedures despite : no authorization from me, no request from me, no notice to me, and the account being frozen. \nThis is not an internal coding error. \nIt is affirmative action on a members funds without consent. \nThis violates : XXXX XXXX XXXX standard banking practice member rights fiduciary duties under credit union governance law Failure to Provide XXXX Bond XXXX Information ( 12 CFR 713.1 ) On XX/XX/year>, I lawfully requested Navy Federals fidelity bond / crime coverage carrier, as permitted under 12 CFR 713.1. \nNavy Federal did not : provide the bond carrier, acknowledge the request, or comply with bonding transparency obligations.\n\nInstead, Navy Federal escalated adverse actions on my account.\n\nThis failure raises concerns regarding : lack of proper bonding, concealment of improper conduct, and systemic governance failures. \n\nAttempt to Circumvent My XXXX Deadline Navy Federals internal rush to create cashiers check activity and alter account status before my deadline expired suggests : avoidance of accountability, manipulation of internal records, an attempt to preempt a future complaint or dispute, and intentional circumvention of a lawful member notice. \nThis requires regulatory investigation. \n\nGovernance Violations 12 U.S.C. 1761b Under 12 U.S.C. 1761b, the Board of Directors of every Federal Credit Union including Navy Federal shall have the general direction and control of the affairs of the Federal credit union. \nThis means : account freezes, reversals, cashiers check creation, and deprivation of member access are XXXX affairs, requiring : board-approved policy, delegated authority, proper notice, and recorded oversight. \nNavy Federal has produced no evidence that : the XXXX authorized these actions, any policy permitted these actions, employees acted within lawful delegation, the XXXX was notified of member-impacting decisions. \nTherefore, these actions appear ultra vires taken outside legal authority and constitute a fiduciary breach at the institutional level. \nThis is extremely serious under NCUA governance law.\n\nSummary of All Violations Navy Federals actions include : Reg CC violations UDAAP violations GLBA violations RFPA violations Theft by conversion Unauthorized cashiers check activity Retaliation Governance violations under 1761b Failure to provide fidelity bond information Misrepresentation to the member Deprivation of funds for months This is not an isolated account issue. \nIt reflects systemic misconduct, failure of governance, and disregard for federal regulations. \n\nRefutation of Anticipated Defenses by Navy Federal Credit Union This addendum is submitted to proactively address and refute the most common defenses federally chartered credit unions assert in response to CFPB complaints. Based on my documented timeline and Navy Federal Credit Unions conduct, none of these anticipated defenses are valid, applicable, or supported by law.\n\n1. Anticipated Defense : Account was frozen for security or fraud review.\n\nRebuttal : 1. No Reg CC notice was provided at any time, which is mandatory for ANY freeze or hold.\n\n2. A security review can not lawfully last four months ; CFPB and NCUA guidance require timely resolution.\n\n3. Navy Federal initiated unauthorized cashiers check activity during the freeze, which contradicts any claim of a protective or fraud-based freeze.\n\n4. Multiple representatives told me to contact the originator, which is not part of any fraud-prevention protocol.\n\nA security freeze defense is inconsistent with the facts, timing, and sequence of events.\n\n2. Anticipated Defense : Cashiers check activity was a system error.\n\nRebuttal : 1. Cashiers check management can not initiate itself ; it requires manual employee action or authorization.\n\n2. The activity occurred immediately after I issued a formal XXXX notice demanding release of my funds. \n3. If it were an error, Navy Federal would have immediately reversed, corrected, or disclosed it none of which occurred.\n\n4. System errors do not selectively affect a single frozen account, nor do they appear at moments of member escalation.\n\nA system glitch explanation is factually impossible and contradicted by internal behavior patterns.\n\n3. Anticipated Defense : We properly advised the member to contact the originator.\n\nRebuttal : 1. There is no third-party originator involved ; Navy Federal already : o accepted the deposit, o credited it to the account, o froze the funds, and o assumed full custody.\n\n2. Under Reg CC, GLBA, RFPA, and standard banking practice, once funds are credited, the financial institution is solely responsible.\n\n3. Directing me to contact the originator is : o legally incorrect, o misleading, o a violation of GLBA privacy principles, and o a deceptive act under UDAAP.\n\nThis misrepresentation can not be justified under any lawful disclosure or internal policy.\n\n1. 4. Anticipated Defense : Funds remained under review for returnability.\n\nThis defense contradicts both law and internal transaction behavior.\n\nRebuttal : 1. No deposit can remain in review from XX/XX/XXXX through XX/XX/XXXX under any federal regulation.\n\n2. Reg CC requires strict hold timelines, none of which were followed.\n\n3. If Navy Federal believed the funds were returnable, it could not simultaneously initiate cashiers check activity.\n\n4. Navy Federal accepted and credited the deposit which means it was collected.\n\nThis defense contradicts both law and internal transaction behavior.\n\n5. Anticipated Defense : We are not required to provide XXXX bond XXXX information. \nRebuttal : 1. Under 12 CFR 713.1, every federal credit union must maintain and disclose fidelity bond and crime coverage for claim-related inquiries.\n\n2. This requirement applies specifically when member harm, misuse of funds, or potential conversion is alleged.\n\n3. Navy Federals refusal to disclose bond information is a compliance failure and signals a governance issue.\n\nThis defense can not withstand regulatory scrutiny.\n\n6. Anticipated Defense : No conversion occurred because no loss occurred. \nRebuttal : XXXX includes : unauthorized dominion, unauthorized use, unauthorized change in form, and deprivation, not just financial loss. \nNavy Federals conduct satisfies all elements : 1. Freeze without authority = unauthorized control 2. Accrued interest while denying access = unauthorized internal use 3. Initiating cashiers check activity = unauthorized conversion 4. Four-month deprivation = completed tort of conversion Loss is not required for liability.\n\n7. Anticipated Defense : We acted under Board-approved policy or delegated authority.\n\nRebuttal : Under 12 U.S.C. 1761b, the Board of Directors must : control all credit union affairs, approve all policies related to account freezes or reversals, authorize delegations of authority, and provide documented oversight.\n\nNavy Federal has not produced and can not produce any board-approved policy permitting : freezing member funds for months without notice, initiating cashiers check activity during a freeze, misdirecting members to external parties, refusing fidelity bond disclosure, or retaliating after member notices.\n\nThis renders the actions ultra vires outside legal authority.\n\n8. Anticipated Defense : No retaliation occurred.\n\nRebuttal : 1. Navy Federal escalated internal actions within hours of receiving my written XXXX notice. \n2. Retaliation is defined under XXXX as adverse action following a consumers assertion of rights. \n3. The temporal proximity is legally sufficient evidence and CFPB routinely treats such timing as indicative of retaliation. \nThey can not neutralize the timing evidence. \n9. Anticipated Defense : This was an internal operational issue, not a legal violation. \nRebuttal : This conduct violates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX state conversion law standard banking practice contractual member rights This is not operational it is systemic, regulatory, and fiduciary. \nCONCLUSION This pre-rebuttal demonstrates that XXXX XXXX can not credibly assert : fraud freeze system error member misunderstanding procedural justification board policy XXXX review non-retaliatory intent XXXX defense fails under : the timeline, the documented facts, the unauthorized cashiers check activity, the refusal to disclose the fidelity bond, and the governing federal statutes. \nTherefore, the CFPB should treat this matter as a :","date_sent_to_company":"2025-12-08T08:10:38.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"27405","tags":null,"has_narrative":true,"complaint_id":"17822317","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-12-08T06:51:22.000Z","state":"NC","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["No Reg CC notice was provided at any time, <em>which</em> is mandatory for ANY freeze or hold.\n\n2. A <em>security</em> review can not lawfully last four months ; CFPB and NCUA guidance require timely resolution.\n\n3. <em>Navy</em> <em>Federal</em> initiated unauthorized cashiers check activity during the freeze, <em>which</em> contradicts any claim of a protective or fraud-based freeze.\n\n4. Multiple representatives told me to contact the originator, <em>which</em> is not part of any fraud-prevention protocol."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[18.576984,"17822317"]},{"_index":"complaint-public-v1","_id":"8119678","_score":18.504059,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XXXX of 2023, I misplaced my wallet and my entire family helped me search for it. This can be seen on our security cameras. However, I soon discovered that someone was attempting unauthorized transactions using my frozen cards. I immediately reported these transactions to the respective businesses and froze all my cards, including credit cards, child support, Navy Federal XXXX and XXXX cards, and XXXX. I also noticed unauthorized airline transactions and other suspicious activity with my Navy Federal account, so I filed a fraud claim and informed the banking institution. To address the ongoing transactions, I filed a police report and contacted the police when the perpetrator made XXXX fraudulent transactions at XXXX. I also reached out to the store and informed them about the fraudulent card being used. Unfortunately, they advised me to contact the police as they couldn't assist in this situation. The police provided me with documentation confirming that I was a victim of fraud, which I promptly provided to Navy Federal. However, despite providing all the necessary documentation, including screenshots and police paperwork, the financial institution has not returned my XXXX Bank funds amounting to {$2200.00}. This failure to return my funds is having a significant impact on my corporate business.","date_sent_to_company":"2024-01-07T17:07:59.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"20902","tags":"Servicemember","has_narrative":true,"complaint_id":"8119678","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-01-07T16:49:08.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["The police provided me with documentation confirming that I was a victim of fraud, <em>which</em> I promptly provided to <em>Navy</em> <em>Federal</em>. However, despite providing all the necessary documentation, including screenshots and police paperwork, the financial institution has not returned my XXXX Bank funds amounting to {$2200.00}. This <em>failure</em> to return my funds is having a significant impact on my corporate business."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[18.504059,"8119678"]},{"_index":"complaint-public-v1","_id":"4862287","_score":18.39061,"_source":{"product":"Debt collection","complaint_what_happened":"I, XXXX XXXX XXXX , am that I am, the consumer pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b )/ I entered into a consumer credit Transaction with NAVY FEDERAL CREDIT UNION on XX/XX/2017, this consumer credit transaction includes a Finance Charge pursuant to 12 CFR 1026.4, NAVY FEDERAL CREDIT UNION failed to explain the method of determining the finance charge pursuant to 15 USC 1602 ( v ), failed to disclose what must be included in the finance charge, which shall be disclosed clearly and conspicuously in accordance with 12 CFR 1026.17 and 12 CFR 1016.3. / NAVY FEDERAL CREDIT UNION failed to include my property insurance in my Finance Charge pursuant to 12 CFR 1026.4 ( b ) ( 8 ). The Finance charge shall include premium insurance against loss or property damage or against liability arising out of the ownership or use of the property. / Pursuant to 12 CFR 1006.38 ( c ), I Disputed and Requested for Original-Creditor information, including name and address. NAVY FEDERAL CREDIT UNION refused and failed to disclose the name and address of the original creditor, even if I requested. / Pursuant to 12 CFR 1006.30 ( e ) NAVY FEDERAL CREDIT UNION is furnishing deceptive forms, which creates false beliefs about the creditor, that other person than the creditor is participating in the collection or attempting to collect the alleged debt. / NAVY FEDERAL CREDIT UNION monthly statements constitute a Billing Error pursuant to 12 CFR 1026.13 ( a ) ( 6 ), and I am demanding Documentary Evidence. \nPursuant to 12 CFR 1026.13 ( d ), collection action is prohibited and adverse credit report is also prohibited. / Pursuant to 12 CFR 1006.38 ( d ) ( 1 ) the failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer. This debt is being disputed NAVY FEDERAL CREDIT UNION shall provide the consumer with appropriate forms and Notice of Right to Rescind any transaction pursuant to 12 CFR 226.15 ( b ). NAVY FEDERAL CREDIT UNION failed and neglected to disclose the appropriate form with the required Notice of Right to Rescind. / Pursuant to 12 CFR 226.15 ( a ), I hereby rescind the consumer credit transaction granting any security interest to NAVY FEDERAL CREDIT UNION. /","date_sent_to_company":"2021-10-31T08:28:00.000Z","issue":"Written notification about debt","sub_product":"Auto debt","zip_code":"92040","tags":"Servicemember","has_narrative":true,"complaint_id":"4862287","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2021-10-31T07:50:20.000Z","state":"CA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION failed and neglected to disclose the appropriate form with the required Notice of Right to Rescind. / Pursuant to 12 CFR 226.15 ( a ), I hereby rescind the consumer credit transaction granting any <em>security</em> interest to <em>NAVY</em> <em>FEDERAL</em> CREDIT UNION. /"],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT UNION"]},"sort":[18.39061,"4862287"]},{"_index":"complaint-public-v1","_id":"16432614","_score":18.370161,"_source":{"product":"Credit card","complaint_what_happened":"CFPB Complaint Navy Federal Credit Union XXXX XXXX XXXX XXXX My secured credit-card account with Navy Federal Credit Union was closed around XX/XX/year> without any written or electronic notice. I never received a closure letter, explanation, or final statement showing how my {$200.00} security deposit was handled. The account was a {$200.00} secured card opened on XX/XX/year>. \n\nAfter the closure, all three credit bureaus began reporting inconsistent and inaccurate information about the same account. XXXX  lists it as Paid, Closed Closed at credit grantors request with XXXX, XXXX, and XXXX late payments, which is impossible because a XXXX delinquency can not appear twice in consecutive months. XXXX  lists the account as XXXX  days past due Canceled by credit grantor with XXXX and XXXX lates. XXXX  lists it as Not more than XXXX payments past due Closed with XXXX and XXXX lates. Each bureau shows a {$0.00} balance, proving the account was paid, yet the reported payment history and closure reasons differ and misrepresent my payment performance. \n\nI never received any written or electronic notice that my secured card was being terminated or closed, as required by 12 C.F.R. 1026.11 ( c ) ( 2 ) under the Truth in Lending Act ( 15 U.S.C. 1637 ). That rule requires a creditor to provide notice before or promptly after termination or suspension of a credit card plan. Navy Federal also has not provided any accounting or explanation regarding my {$200.00} security deposit, as required by 12 C.F.R. 1026.12 ( d ) ( 3 ), which mandates refund of the security deposit once the account is paid in full and closed. \n\nBecause Navy Federal reports the account with a zero balance, the deposit should have been refunded in full. If the credit union contends it applied the {$200.00} to any debt, it must provide documentation showing when and how the deposit was used and the contractual authority permitting that application. In the absence of such documentation, the funds remain my property and must be refunded immediately.\n\nThese actions and reporting errors constitute violations of : Truth in Lending Act ( 15 U.S.C. 1601 et seq. ; 12 C.F.R. 1026.11 ( c ) ( 2 ) and 1026.12 ( d ) ( 3 ) ) failure to give required notice and refund the security deposit.\n\nFair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( a ) ( 1 ) ( A ) ) failure to maintain maximum possible accuracy and reinvestigate inconsistent data.\n\nMichigan Consumer Protection and Collection Practices Acts ( MCL 445.251 et seq. ) misrepresentation of a consumers credit standing and retention of funds without lawful basis.","date_sent_to_company":"2025-10-08T00:30:40.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"48141","tags":null,"has_narrative":true,"complaint_id":"16432614","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-10-08T00:25:11.000Z","state":"MI","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["<em>Navy</em> <em>Federal</em> also has not provided any accounting or explanation regarding my {$200.00} <em>security</em> deposit, as required by 12 C.F.R. 1026.12 ( d ) ( 3 ), <em>which</em> mandates refund of the <em>security</em> deposit once the account is paid in full and closed. \n\nBecause <em>Navy</em> <em>Federal</em> reports the account with a zero balance, the deposit should have been refunded in full."],"company":["<em>NAVY</em> <em>FEDERAL</em> CREDIT 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