This is in reference to complaint ID number [redacted] , which was received by Navy Federal on February 2016, submitted by our member, [redacted] *** As indicated in our response to Revdex.com complaint ID number [redacted] , we reached out to [redacted] and have agreed upon a plan to resolve this matter Questions regarding this matter may be addressed to Carrie M [redacted] , Legal Liaison, Consumer Servicing, at ###-###-####, extension ***, between the hours of 8:a.mand 4:p.m., Eastern time, Monday through Friday
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on March 2016, submitted by our member, [redacted] We have thoroughly researched the concerns presented in our member’s complaint regarding his mortgage loan application Through our review of this matter, we concluded that [redacted] ’s loan application was not denied Our records indicate that [redacted] submitted his loan application on March The details provided in the loan submission prompted the alternative mortgage loan option which was offered to [redacted] on March On the same date, [redacted] sent us a letter explaining his unique employment situation Navy Federal reviewed [redacted] ’s letter and honored his request, approving his loan on April Navy Federal does not participate in discrimination of any kind If [redacted] has any questions, he may contact us at 1-888-842-NFCU (6328), hours a day, days a week
The following references the complaint we received on March from the Revdex.com on behalf of Navy Federal member [redacted] ***.? The complaint was assigned an ID number of [redacted] ? Navy Federal has thoroughly reviewed [redacted] ***’s concerns.? Provisional credits for our member’s two dispute claims were credited to her account while we research her claims? Our records show the members [redacted] referred to Navy Federal did not enter the online referral code when submitting their online applications in February 2018; therefore, their new membership accounts did not receive the promotional credit.? We have added the promotion information to their accounts and credited [redacted] ***’s account and the referred members’ accounts with the $promotional incentive? Should [redacted] have additional questions, she may contact Scott Holder, Supervisor, Debit Card Disputes, at ###-###-####, extension 74734, between the hours of 7:a.mand 3:p.m., Central time, Monday through Friday
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: Thank you for the responseFirst I would like to address the credit reportingPer multiple recorded phone calls the counsellor has advised that there is no reporting to the credit agencies after the charge off is completedI find this to be due to the fact that each credit report has my payment history for each payment being made since beginning my repayment planI have been advised that the accounts only report when they have been paid in full, which is also falseCan you please address the misrepresentation from multiple counsellors in regards to the credit reporting? Also, I have no voicemails from 1/5/from anyone and more specifically from anyone with NFCU so the information that I was contacted and a voicemail was left is falseAs recent as 1/16/18, I received notification that there were changes on my [redacted] and [redacted] report in regards to NFCUUpon viewing the notification for the [redacted] account, of the debts have been reopened with the 3rd remaining closedI am showing different variations of reporting across the major agenciesBelow is info from the [redacted] report for the signa**re loans showing the account is open and the last payment datePayment HistoryLast paymentJan 5, 2018Current Payment Sta**sIn Collections/Charge-offWorst Payment Sta**sNo InfoAccount DetailsAccount sta**sOpenTypeUnsecured LoanResponsibilityIndividualRemarksCharged off as bad debtTransferred to recoverTimes 30/60/days late0/0/Payment HistoryLast paymentJan 5, 2018Current Payment Sta**sIn Collections/Charge-offWorst Payment Sta**sNo InfoAccount DetailsAccount sta**sOpenTypeUnsecured LoanResponsibilityIndividualRemarksCharged off as bad debtTransferred to recoverTimes 30/60/days late0/0/0Secondly, I would like clarification as to why I am not eligible under the CFPB consentMore specifically the sections below- Misrepresented credit consequences of falling behind on a loan-Illegally froze members’ access to their accounts I would also request that you review the recorded call between myself and "Mr [redacted] " from approxJuly It would be the first set of calls where I called to set up a payment planI called multiple times in the same dayFirst to set up a payment plan for $each check, then called back to try changing it to $but was advised that was not a large enough paymentI agreed to stretch to $and was advised that there was no way for the first $payments to be changed because they were "already submitted" even though it would be approxweeks for the first one and weeks for the 2nd oneI find this as being deceptiveThe payments could have been changed Requests: Again, I request that my credit reporting be reviewed and adjusted to "No Info Reported" for each month after the charge offs and going forward Regards, [redacted]
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on August 2016, submitted by our member, [redacted] We have thoroughly researched the concerns presented in our member’s complaintOur records show that due to a clerical error, [redacted] s request to begin a bi-weekly Budget Easy Pay starting on May was not processed correctlyAs a result, the automatic drafts for May and May to his mortgage loan account number ending in did not occurNavy Federal strives to provide efficient, accurate, and responsive service to our members at all times, and we regret that this is not consistent with our member’s experience On September 2016, we contacted [redacted] by e-mail and provided him with the necessary information needed to re-initiate Budget Easy Pay automatic draftingOn September 2016, [redacted] responded that he would not be utilizing this payment planCurrently, our member’s mortgage loan is set up to auto draft on the tenth of each monthPer [redacted] s request, Navy Federal will e-mail a copy of his mortgage payment history for the period of May through September to his e-mail address of recordIn addition, we have confirmed that negative information regarding [redacted] s mortgage account was not reported to any of the credit reporting agenciesNavy Federal regrets any frustration and inconvenience our member may have experienced in this matter If [redacted] has any questions, he may contact Rob W***, Supervisor, Mortgage Member Services, at ###-###-####, extension ***, between the hours of 8:a.mto 4:p.m., Eastern time, Monday through Friday
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: The company did not contact me when the loan was sitting at the branch for over daysWhat type of business just lets a loan sit for a few weeks and does not contact the borrower? It seems to be in poor practice to just leave a loan sit there for that longAfter contacting Navy Federal it was stated that it was not usual for them to just not contact a borrowerBut that it was still my fault for not reaching out to the bankSo I should expect that any time that I would forget to pick up a document that Navy Federal would place the blame on me and not reach out to me with timely information Regards, [redacted] ***
[A default letter is provided here which indicates your acceptance of the business's response.? If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.? Regards, [redacted]
This is in reference to a complaint we received on December from the Revdex.com on behalf of Navy Federal member [redacted] ***? The complaint was assigned an ID number of [redacted] ? We have thoroughly reviewed our member’s concerns.? Our records show that on October 2017, Mr [redacted] deposited a check through Navy Federal’s Mobile Banking feature.? Although Navy Federal placed a hold on the funds for two business days, the check was returned as altered on October.? When a check is returned, the funds are debited from the member’s account and a returned deposit fee is assessed in accordance with the Mobile Deposit Terms and Conditions.? Mr [redacted] authorized a transaction on his checking account on October which overdrew his account as a result of the reversal of the returned check’s funds.? Navy Federal transferred funds from Mr [redacted] ’s Money Market Savings Account to correct the overdrawn balance in the checking account.? If there is a balance owed on an account, Navy Federal is permitted to transfer funds from other accounts owned by the member to correct the amount owed.? ? Should Mr [redacted] have any questions, he may contact [redacted] , Financial Crimes and Risk, at [redacted] between 7:a.mand 4:p.m., Central time, Monday through Friday?
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on May 2016, submitted by our member, [redacted] .? We have thoroughly researched the concerns presented in our member’s complaint regarding the unauthorized access to her daughter’s checking account number ending in [redacted] of which she is joint owner.? ? Through our investigation of this matter, the [redacted] checking account was charged off due to a loss suffered as a result of [redacted] ’s daughter’s actions.? With no new information to counter our findings, our determination remains the same.? We have confirmed that the charged off account is not being reported to the nationwide credit reporting agencies.? If [redacted] has any questions, she may contact Robert S [redacted] , Assistant Vice President, Security Operations Center, at ###-###-####, extension ***, between the hours of 8:a.mto 5:p.m., Eastern time, Monday through Friday.? ?
The following references the complaint we received on December from the Revdex.com on behalf of Navy Federal member Kierra DJackson The complaint was assigned an ID number of [redacted] We have thoroughly researched our member’s claim and found that unauthorized transfers were made from her accounts on November Upon completion of our investigation, credits were issued to her checking account and savings account A letter advising [redacted] of the credits made was sent to her address of record We regret any inconvenience experienced by our member If [redacted] has any questions, she may contact [redacted] Financial Crimes and Risk, at [redacted] ***, between the hours of 7:a.mand 3:p.m., Central time, weekdaysTell us why here
[A default letter is provided here which indicates your acceptance of the business's response.? If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.? Thank you for assisting in this matter and ensuring I will no longer be discharged from the military because of these issues Regards, [redacted]
The following is in response to the follcomplaint we received on August from the Revdex.com on behalf of [redacted] The complaint was originally assigned an ID number of [redacted] .We have researched our member’s loan account ending in [redacted] and have found that the loan was extended on three separate occasions: November 2012, February and March [redacted] is claiming that the extension granted on March was completed without her knowledgeNavy Federal is conducting an investigation into this claimIn addition, Navy Federal acknowledges that [redacted] does not wish us to cease all communication with her via telephone.Chip S***, Manager, Collections, spoke with [redacted] on August At that time, [redacted] requested the payment history of the loan accounts ending in ***, [redacted] and *** [redacted] also advised MrS [redacted] that she could no longer afford the current monthly payments on the [redacted] loan and requested that the loan be refinanced with lower monthly paymentsPer [redacted] 's request, the refinance was completed on August 2015.We apologize for any inconvenience our member experienced in her phone conversations with usNavy Federal calculates interest on consumer loans using the simple interest methodEach time a payment is received we satisfy the interest due first and apply the remainder of the funds toward the principalThere is never any pre-payment of interestThe amount of interest gradually decreases as the principal balance is reducedInterest is calculated daily on the unpaid principal balance from the last payment to the current paymentAccording to our records:On April 2015, a payment of $was made and was applied to principalOn June 2015, a payment of $was made and was applied to interestOn June 2015, a payment of $was made and was applied to interestOn July 2015, a payment of $was made and was applied to interestOn August 2015, a payment of $was made and was applied to interestOn August 2015, a decrease accrual adjustment was made in the amount of $which was credited to principalOn August 2015, a payment of $was made; $was applied to interest and $was applied to principal.The following information is in regard to the payments made by our member through Automated Clearing House:A payment in the amount of $was made on July (due to the age of the transaction, there is no trace number available)A payment in the amount of $was made on August 2014, with a trace number of [redacted] A payment in the amount of $was made on August 2014, with a trace number of [redacted] A payment in the amount of $was made on October 2014, with a trace number of [redacted] A payment in the amount of $was made on October 2014, with a trace number of [redacted] A payment in the amount of $was made on November 2014, with a trace number of [redacted] .A payment in the amount of $was made on December 2014, with a trace number of [redacted] A payment in the amount of $was made on December 2014, with a trace number of [redacted] There were no payments made between December and February A payment in the amount of $was made on February 2015, with a trace number of [redacted] A payment in the amount of $was made on February 2015, with a trace number of [redacted] A payment in the amount of $was made on February 2015, with a trace number of [redacted] .Attached is a copy of [redacted] ’s loan payment historyFollquestions should be directed to MrS [redacted] by calling ###-###-#### between the hours of 8:a.mand 4:p.m., Eastern time, Monday through Friday
The following references the complaint we received on December from the Revdex.com on behalf of Navy Federal member [redacted] The complaint was assigned an ID number of [redacted] We have confirmed the accounts referenced in Ms***’ complaint are valid debts We have verified that these accounts are reporting accurately and we will not request a change to Ms***’ credit file as we report fair and accurate data to all major credit reporting agencies Ms [redacted] is responsible for the repayment of these debts If Ms [redacted] would like to arrange payment, she should contact our Recoveries Branch at ###-###-####, between the hours of 8:a.mand 11:p.m., Eastern time, Monday to Friday, and 9:a.mto 5:p.m., weekends
The following references the complaint we received on September from the Revdex.com on behalf of Navy Federal member [redacted] The complaint was assigned an ID number of [redacted] Navy Federal has thoroughly investigated our member’s concernThe transfer referenced in [redacted] ’s complaint was conducted to pay her past due loan based on the security agreement noted in her signed Promissory NoteHowever, on September [redacted] was contacted by MsS**, Supervisor, Collections, to discuss her accountDuring this phone conversation, the amount of $was returned to [redacted] ’s checking account, and a fee of $which was assessed on the personal expense loan on August was waivedMsS [redacted] has also provided assistance by advancing the payment due date of our member’s loan account Should [redacted] have any questions she may contact Tasha T***, Assistant Manager, Collections, at ###-###-####, extension ***, between 8:a.mand 4:p.m., Eastern time, weekdays
The following references the complaint we received on 18 April 2016 from the RevDex.com on behalf of Navy Federal member [redacted] *. ***. The complaint was assigned an ID number of [redacted] .We have reviewed Mr. ***’s concerns. The manager of our Equity Lending area attempted to contact... Mr. [redacted] to discuss this matter, but she was only able to leave a message with her contact information.In August 2015, Mr. ***’s Home Equity Line of Credit (HELOC) was suspended due to a material change in his financial circumstances. He was advised of this suspension in our letter dated 14 August 2015.On 19 April 2016, we received Mr. ***’s request to reinstate his line of credit. We advised him via secure message on that date that we were unable to grant his request, due to his past payment history with Navy Federal. We will be pleased to review any future requests with information demonstrating a change in his financial situation.As noted in our August 2015 correspondence, the HELOC remains suspended and no further withdrawals will be allowed. Regarding how his accounts are displayed, we will review Mr. ***’s feedback on this issue, and consider it in future application enhancements.If Mr. [redacted] has any questions, he may contact our Equity Lending manager using the contact information she provided.Tell us why here...
The following references the complaint we received on April from the Revdex.com on behalf of Navy Federal member [redacted] The complaint was assigned an ID number of [redacted] We have reviewed our member’s concernsWe received a copy of the police incident report related to Lieutenant [redacted] ’s claim on April Our review of this matter has been reopened, and we are working with the Corpus Christi Police Department to validate our member’s claimOne of our investigators attempted to reach Lieutenant [redacted] to advise her of the developments in her claim, but was only able to leave a messageOur member may reach our investigator by calling ###-###-####
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I do not feel I should be held responsible for a bad checkThe banking institution should know these things I thought my money was INSURED by the FDICSeems to me the banks are working with these scammers.I feel violated in every way.I will be removing the little funds I have left from all Navy Federal accountsI know Navy Federal could care less,but at least my money will be safe out of Navy Federals hands.Good luck with your continued unarmed robbery for it will one day bite you in the AS I am rejecting this response because: Regards, B [redacted]
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on September 2016, submitted by our member, [redacted] We have thoroughly researched the concerns presented in our member’s complaint and concluded that no Navy Federal error occurred On September, Navy Federal replied to [redacted] ’ eMessage inquiry dated September which directly relates to this complaint In our reply, we provided detail on the Automated Clearing House (ACH) transactions which caused her account to incur nonsufficient funds fees In addition, we explained the ACH debit process when an ACH transaction attempts to debit an account and the payee’s resubmission of those ACH transactions when they are not paid We also advised [redacted] that she requested the Optional Overdraft Protection Service (OOPS) on September; therefore, OOPS was not in place when the transactions (related to the nonsufficient funds fees) attempted to debit our member’s account On September, Dorothy N***, Contact Center Resolution Specialist, attempted to reach [redacted] to discuss her account MsN [redacted] was only able to leave a voice message with her contact information As a courtesy, on September we credited [redacted] ’ account for seven nonsufficient funds fees If [redacted] has any questions, she may contact Kirstie L [redacted] , Supervisor, Contact Center Resolution, at ###-###-####, extension ***, between the hours of 7:a.mto 3:p.m., Eastern time, Monday through Friday
The following references the complaint we received on January from the RevDex.com on behalf of Navy Federal member [redacted] ***The complaint was assigned an ID number of [redacted] Our representative was able to speak with [redacted] on February regarding the concerns presented in his complaintShe addressed his questions regarding the processing of his mortgage application and explained why some of his income information could not be considered to render a decision on his loan requestShe also assisted [redacted] with his concerns related to his accounts and our member identification process Our representative provided her direct phone number to [redacted] ***, and he should feel free to contact her if he has any additional concerns
This is in reference to a complaint we received on 24 May 2017 from the RevDex.com on behalf of Navy Federal member [redacted] ***. The complaint was assigned an ID number of [redacted] We have thoroughly researched our member’s concerns. Our records show that on 22... May 2017 an unauthorized Automated Clearing House (ACH) debit was deducted from Ms. [redacted] checking account. On 23 May, Ms. [redacted] confirmed the transaction as an unauthorized ACH debit and Navy Federal closed the affected accounts and opened a new savings and checking account for our member. On 25 May, we honored our member’s claim and credited her checking account. We also attempted to contact our member to inform her of our decision on the claim, but we were only able to leave a message. A letter explaining that we honored the claim was also sent to our member at her address of record on 25 May. We regret the inconvenience our member experienced. If Ms. [redacted] has any questions, she may contact [redacted] Financial Crimes and Risk, at [redacted] between the hours of 7:00 a.m. and 3:30 p.m., Central time, Monday through Friday.
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on February 2016, submitted by our member, [redacted] *** As indicated in our response to Revdex.com complaint ID number [redacted] , we reached out to [redacted] and have agreed upon a plan to resolve this matter Questions regarding this matter may be addressed to Carrie M [redacted] , Legal Liaison, Consumer Servicing, at ###-###-####, extension ***, between the hours of 8:a.mand 4:p.m., Eastern time, Monday through Friday
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on March 2016, submitted by our member, [redacted] We have thoroughly researched the concerns presented in our member’s complaint regarding his mortgage loan application Through our review of this matter, we concluded that [redacted] ’s loan application was not denied Our records indicate that [redacted] submitted his loan application on March The details provided in the loan submission prompted the alternative mortgage loan option which was offered to [redacted] on March On the same date, [redacted] sent us a letter explaining his unique employment situation Navy Federal reviewed [redacted] ’s letter and honored his request, approving his loan on April Navy Federal does not participate in discrimination of any kind If [redacted] has any questions, he may contact us at 1-888-842-NFCU (6328), hours a day, days a week
The following references the complaint we received on March from the Revdex.com on behalf of Navy Federal member [redacted] ***.? The complaint was assigned an ID number of [redacted] ? Navy Federal has thoroughly reviewed [redacted] ***’s concerns.? Provisional credits for our member’s two dispute claims were credited to her account while we research her claims? Our records show the members [redacted] referred to Navy Federal did not enter the online referral code when submitting their online applications in February 2018; therefore, their new membership accounts did not receive the promotional credit.? We have added the promotion information to their accounts and credited [redacted] ***’s account and the referred members’ accounts with the $promotional incentive? Should [redacted] have additional questions, she may contact Scott Holder, Supervisor, Debit Card Disputes, at ###-###-####, extension 74734, between the hours of 7:a.mand 3:p.m., Central time, Monday through Friday
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: Thank you for the responseFirst I would like to address the credit reportingPer multiple recorded phone calls the counsellor has advised that there is no reporting to the credit agencies after the charge off is completedI find this to be due to the fact that each credit report has my payment history for each payment being made since beginning my repayment planI have been advised that the accounts only report when they have been paid in full, which is also falseCan you please address the misrepresentation from multiple counsellors in regards to the credit reporting? Also, I have no voicemails from 1/5/from anyone and more specifically from anyone with NFCU so the information that I was contacted and a voicemail was left is falseAs recent as 1/16/18, I received notification that there were changes on my [redacted] and [redacted] report in regards to NFCUUpon viewing the notification for the [redacted] account, of the debts have been reopened with the 3rd remaining closedI am showing different variations of reporting across the major agenciesBelow is info from the [redacted] report for the signa**re loans showing the account is open and the last payment datePayment HistoryLast paymentJan 5, 2018Current Payment Sta**sIn Collections/Charge-offWorst Payment Sta**sNo InfoAccount DetailsAccount sta**sOpenTypeUnsecured LoanResponsibilityIndividualRemarksCharged off as bad debtTransferred to recoverTimes 30/60/days late0/0/Payment HistoryLast paymentJan 5, 2018Current Payment Sta**sIn Collections/Charge-offWorst Payment Sta**sNo InfoAccount DetailsAccount sta**sOpenTypeUnsecured LoanResponsibilityIndividualRemarksCharged off as bad debtTransferred to recoverTimes 30/60/days late0/0/0Secondly, I would like clarification as to why I am not eligible under the CFPB consentMore specifically the sections below- Misrepresented credit consequences of falling behind on a loan-Illegally froze members’ access to their accounts I would also request that you review the recorded call between myself and "Mr [redacted] " from approxJuly It would be the first set of calls where I called to set up a payment planI called multiple times in the same dayFirst to set up a payment plan for $each check, then called back to try changing it to $but was advised that was not a large enough paymentI agreed to stretch to $and was advised that there was no way for the first $payments to be changed because they were "already submitted" even though it would be approxweeks for the first one and weeks for the 2nd oneI find this as being deceptiveThe payments could have been changed Requests: Again, I request that my credit reporting be reviewed and adjusted to "No Info Reported" for each month after the charge offs and going forward Regards, [redacted]
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on August 2016, submitted by our member, [redacted] We have thoroughly researched the concerns presented in our member’s complaintOur records show that due to a clerical error, [redacted] s request to begin a bi-weekly Budget Easy Pay starting on May was not processed correctlyAs a result, the automatic drafts for May and May to his mortgage loan account number ending in did not occurNavy Federal strives to provide efficient, accurate, and responsive service to our members at all times, and we regret that this is not consistent with our member’s experience On September 2016, we contacted [redacted] by e-mail and provided him with the necessary information needed to re-initiate Budget Easy Pay automatic draftingOn September 2016, [redacted] responded that he would not be utilizing this payment planCurrently, our member’s mortgage loan is set up to auto draft on the tenth of each monthPer [redacted] s request, Navy Federal will e-mail a copy of his mortgage payment history for the period of May through September to his e-mail address of recordIn addition, we have confirmed that negative information regarding [redacted] s mortgage account was not reported to any of the credit reporting agenciesNavy Federal regrets any frustration and inconvenience our member may have experienced in this matter If [redacted] has any questions, he may contact Rob W***, Supervisor, Mortgage Member Services, at ###-###-####, extension ***, between the hours of 8:a.mto 4:p.m., Eastern time, Monday through Friday
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: The company did not contact me when the loan was sitting at the branch for over daysWhat type of business just lets a loan sit for a few weeks and does not contact the borrower? It seems to be in poor practice to just leave a loan sit there for that longAfter contacting Navy Federal it was stated that it was not usual for them to just not contact a borrowerBut that it was still my fault for not reaching out to the bankSo I should expect that any time that I would forget to pick up a document that Navy Federal would place the blame on me and not reach out to me with timely information Regards, [redacted] ***
[A default letter is provided here which indicates your acceptance of the business's response.? If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.? Regards, [redacted]
This is in reference to a complaint we received on December from the Revdex.com on behalf of Navy Federal member [redacted] ***? The complaint was assigned an ID number of [redacted] ? We have thoroughly reviewed our member’s concerns.? Our records show that on October 2017, Mr [redacted] deposited a check through Navy Federal’s Mobile Banking feature.? Although Navy Federal placed a hold on the funds for two business days, the check was returned as altered on October.? When a check is returned, the funds are debited from the member’s account and a returned deposit fee is assessed in accordance with the Mobile Deposit Terms and Conditions.? Mr [redacted] authorized a transaction on his checking account on October which overdrew his account as a result of the reversal of the returned check’s funds.? Navy Federal transferred funds from Mr [redacted] ’s Money Market Savings Account to correct the overdrawn balance in the checking account.? If there is a balance owed on an account, Navy Federal is permitted to transfer funds from other accounts owned by the member to correct the amount owed.? ? Should Mr [redacted] have any questions, he may contact [redacted] , Financial Crimes and Risk, at [redacted] between 7:a.mand 4:p.m., Central time, Monday through Friday?
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on May 2016, submitted by our member, [redacted] .? We have thoroughly researched the concerns presented in our member’s complaint regarding the unauthorized access to her daughter’s checking account number ending in [redacted] of which she is joint owner.? ? Through our investigation of this matter, the [redacted] checking account was charged off due to a loss suffered as a result of [redacted] ’s daughter’s actions.? With no new information to counter our findings, our determination remains the same.? We have confirmed that the charged off account is not being reported to the nationwide credit reporting agencies.? If [redacted] has any questions, she may contact Robert S [redacted] , Assistant Vice President, Security Operations Center, at ###-###-####, extension ***, between the hours of 8:a.mto 5:p.m., Eastern time, Monday through Friday.? ?
The following references the complaint we received on December from the Revdex.com on behalf of Navy Federal member Kierra DJackson The complaint was assigned an ID number of [redacted] We have thoroughly researched our member’s claim and found that unauthorized transfers were made from her accounts on November Upon completion of our investigation, credits were issued to her checking account and savings account A letter advising [redacted] of the credits made was sent to her address of record We regret any inconvenience experienced by our member If [redacted] has any questions, she may contact [redacted] Financial Crimes and Risk, at [redacted] ***, between the hours of 7:a.mand 3:p.m., Central time, weekdaysTell us why here
[A default letter is provided here which indicates your acceptance of the business's response.? If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.? Thank you for assisting in this matter and ensuring I will no longer be discharged from the military because of these issues Regards, [redacted]
The following is in response to the follcomplaint we received on August from the Revdex.com on behalf of [redacted] The complaint was originally assigned an ID number of [redacted] .We have researched our member’s loan account ending in [redacted] and have found that the loan was extended on three separate occasions: November 2012, February and March [redacted] is claiming that the extension granted on March was completed without her knowledgeNavy Federal is conducting an investigation into this claimIn addition, Navy Federal acknowledges that [redacted] does not wish us to cease all communication with her via telephone.Chip S***, Manager, Collections, spoke with [redacted] on August At that time, [redacted] requested the payment history of the loan accounts ending in ***, [redacted] and *** [redacted] also advised MrS [redacted] that she could no longer afford the current monthly payments on the [redacted] loan and requested that the loan be refinanced with lower monthly paymentsPer [redacted] 's request, the refinance was completed on August 2015.We apologize for any inconvenience our member experienced in her phone conversations with usNavy Federal calculates interest on consumer loans using the simple interest methodEach time a payment is received we satisfy the interest due first and apply the remainder of the funds toward the principalThere is never any pre-payment of interestThe amount of interest gradually decreases as the principal balance is reducedInterest is calculated daily on the unpaid principal balance from the last payment to the current paymentAccording to our records:On April 2015, a payment of $was made and was applied to principalOn June 2015, a payment of $was made and was applied to interestOn June 2015, a payment of $was made and was applied to interestOn July 2015, a payment of $was made and was applied to interestOn August 2015, a payment of $was made and was applied to interestOn August 2015, a decrease accrual adjustment was made in the amount of $which was credited to principalOn August 2015, a payment of $was made; $was applied to interest and $was applied to principal.The following information is in regard to the payments made by our member through Automated Clearing House:A payment in the amount of $was made on July (due to the age of the transaction, there is no trace number available)A payment in the amount of $was made on August 2014, with a trace number of [redacted] A payment in the amount of $was made on August 2014, with a trace number of [redacted] A payment in the amount of $was made on October 2014, with a trace number of [redacted] A payment in the amount of $was made on October 2014, with a trace number of [redacted] A payment in the amount of $was made on November 2014, with a trace number of [redacted] .A payment in the amount of $was made on December 2014, with a trace number of [redacted] A payment in the amount of $was made on December 2014, with a trace number of [redacted] There were no payments made between December and February A payment in the amount of $was made on February 2015, with a trace number of [redacted] A payment in the amount of $was made on February 2015, with a trace number of [redacted] A payment in the amount of $was made on February 2015, with a trace number of [redacted] .Attached is a copy of [redacted] ’s loan payment historyFollquestions should be directed to MrS [redacted] by calling ###-###-#### between the hours of 8:a.mand 4:p.m., Eastern time, Monday through Friday
The following references the complaint we received on December from the Revdex.com on behalf of Navy Federal member [redacted] The complaint was assigned an ID number of [redacted] We have confirmed the accounts referenced in Ms***’ complaint are valid debts We have verified that these accounts are reporting accurately and we will not request a change to Ms***’ credit file as we report fair and accurate data to all major credit reporting agencies Ms [redacted] is responsible for the repayment of these debts If Ms [redacted] would like to arrange payment, she should contact our Recoveries Branch at ###-###-####, between the hours of 8:a.mand 11:p.m., Eastern time, Monday to Friday, and 9:a.mto 5:p.m., weekends
The following references the complaint we received on September from the Revdex.com on behalf of Navy Federal member [redacted] The complaint was assigned an ID number of [redacted] Navy Federal has thoroughly investigated our member’s concernThe transfer referenced in [redacted] ’s complaint was conducted to pay her past due loan based on the security agreement noted in her signed Promissory NoteHowever, on September [redacted] was contacted by MsS**, Supervisor, Collections, to discuss her accountDuring this phone conversation, the amount of $was returned to [redacted] ’s checking account, and a fee of $which was assessed on the personal expense loan on August was waivedMsS [redacted] has also provided assistance by advancing the payment due date of our member’s loan account Should [redacted] have any questions she may contact Tasha T***, Assistant Manager, Collections, at ###-###-####, extension ***, between 8:a.mand 4:p.m., Eastern time, weekdays
The following references the complaint we received on 18 April 2016 from the RevDex.com on behalf of Navy Federal member [redacted] *. ***. The complaint was assigned an ID number of [redacted] .We have reviewed Mr. ***’s concerns. The manager of our Equity Lending area attempted to contact... Mr. [redacted] to discuss this matter, but she was only able to leave a message with her contact information.In August 2015, Mr. ***’s Home Equity Line of Credit (HELOC) was suspended due to a material change in his financial circumstances. He was advised of this suspension in our letter dated 14 August 2015.On 19 April 2016, we received Mr. ***’s request to reinstate his line of credit. We advised him via secure message on that date that we were unable to grant his request, due to his past payment history with Navy Federal. We will be pleased to review any future requests with information demonstrating a change in his financial situation.As noted in our August 2015 correspondence, the HELOC remains suspended and no further withdrawals will be allowed. Regarding how his accounts are displayed, we will review Mr. ***’s feedback on this issue, and consider it in future application enhancements.If Mr. [redacted] has any questions, he may contact our Equity Lending manager using the contact information she provided.Tell us why here...
The following references the complaint we received on April from the Revdex.com on behalf of Navy Federal member [redacted] The complaint was assigned an ID number of [redacted] We have reviewed our member’s concernsWe received a copy of the police incident report related to Lieutenant [redacted] ’s claim on April Our review of this matter has been reopened, and we are working with the Corpus Christi Police Department to validate our member’s claimOne of our investigators attempted to reach Lieutenant [redacted] to advise her of the developments in her claim, but was only able to leave a messageOur member may reach our investigator by calling ###-###-####
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I do not feel I should be held responsible for a bad checkThe banking institution should know these things I thought my money was INSURED by the FDICSeems to me the banks are working with these scammers.I feel violated in every way.I will be removing the little funds I have left from all Navy Federal accountsI know Navy Federal could care less,but at least my money will be safe out of Navy Federals hands.Good luck with your continued unarmed robbery for it will one day bite you in the A
S I am rejecting this response because: Regards, B [redacted]
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on September 2016, submitted by our member, [redacted] We have thoroughly researched the concerns presented in our member’s complaint and concluded that no Navy Federal error occurred On September, Navy Federal replied to [redacted] ’ eMessage inquiry dated September which directly relates to this complaint In our reply, we provided detail on the Automated Clearing House (ACH) transactions which caused her account to incur nonsufficient funds fees In addition, we explained the ACH debit process when an ACH transaction attempts to debit an account and the payee’s resubmission of those ACH transactions when they are not paid We also advised [redacted] that she requested the Optional Overdraft Protection Service (OOPS) on September; therefore, OOPS was not in place when the transactions (related to the nonsufficient funds fees) attempted to debit our member’s account On September, Dorothy N***, Contact Center Resolution Specialist, attempted to reach [redacted] to discuss her account MsN [redacted] was only able to leave a voice message with her contact information As a courtesy, on September we credited [redacted] ’ account for seven nonsufficient funds fees If [redacted] has any questions, she may contact Kirstie L [redacted] , Supervisor, Contact Center Resolution, at ###-###-####, extension ***, between the hours of 7:a.mto 3:p.m., Eastern time, Monday through Friday
The following references the complaint we received on January from the RevDex.com on behalf of Navy Federal member [redacted] ***The complaint was assigned an ID number of [redacted] Our representative was able to speak with [redacted] on February regarding the concerns presented in his complaintShe addressed his questions regarding the processing of his mortgage application and explained why some of his income information could not be considered to render a decision on his loan requestShe also assisted [redacted] with his concerns related to his accounts and our member identification process Our representative provided her direct phone number to [redacted] ***, and he should feel free to contact her if he has any additional concerns
This is in reference to a complaint we received on 24 May 2017 from the RevDex.com on behalf of Navy Federal member [redacted] ***. The complaint was assigned an ID number of [redacted] We have thoroughly researched our member’s concerns. Our records show that on 22... May 2017 an unauthorized Automated Clearing House (ACH) debit was deducted from Ms. [redacted] checking account. On 23 May, Ms. [redacted] confirmed the transaction as an unauthorized ACH debit and Navy Federal closed the affected accounts and opened a new savings and checking account for our member. On 25 May, we honored our member’s claim and credited her checking account. We also attempted to contact our member to inform her of our decision on the claim, but we were only able to leave a message. A letter explaining that we honored the claim was also sent to our member at her address of record on 25 May. We regret the inconvenience our member experienced. If Ms. [redacted] has any questions, she may contact [redacted] Financial Crimes and Risk, at [redacted] between the hours of 7:00 a.m. and 3:30 p.m., Central time, Monday through Friday.