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 complaintOn November 2014, [redacted] received budgetary counseling from Navy Federal’s Personal Financial Management programWe were able to place her Navy Federal loan account number ending in on a reduced Annual Percentage Rate (APR) and reduced payment plan for a period of months beginning January Due to a Navy Federal error, [redacted] ’ loan did not properly revert back to the original APR and payment amount in January 2016; subsequently, her payment due continued at the plan amount until July Due to our error, we have adjusted [redacted] ’ loan to the reduced payment for the months of July and August On August 2016, Shawn J [redacted] , Personal Finance Specialist, spoke with [redacted] and advised her of the payment due date(s) and amount We were also able to place her loan on the reduced APR and reduced payment plan for an additional month period beginning September We regret any inconvenience and frustration this matter may have caused our member If [redacted] has any questions, she may contact Amanda Schell, Assistant Supervisor, Personal Finance Management, at ###-###-####, extension ***, between the hours of 11:a.mto 8:p.m., Central 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 thoroughly reviewed our member’s concerns Mr [redacted] ’s loan requests were not denied due to the purpose for which the funds were needed but rather due to our being unable to verify his income When Lisa P***, Supervisor, Loan Officer Section I, contacted Mr [redacted] by phone on December in response to his complaint, she confirmed his correct employment information His loan applications had listed his former employer, which was why we were unable to verify his income On December, Mr [redacted] ’s Navy Federal accounts were reopened at his request, and he submitted another loan application, which was approved.The manager of our Ballston Branch, Abigail L***, also spoke with Mr [redacted] by phone on December and apologized for his experience at the branch Every effort will be made in the future to ensure that Mr [redacted] receives the accurate and efficient service to which he is entitled Should Mr [redacted] have any questions, he may call MsP [redacted] toll-free at ###-###-####, extension ***, between 9:a.mand 5:p.m., Central time, weekdays
[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 loan in question is due on the 1st of every month, per the contract that we signed and per the copy of the contract that Navy Federal supplied to usNo other agreement was signed nor accepted to change the due date or any terms of the contractNavy Federal also tried in the last two weeks to say we didn’t pay over $worth of bills and charges from the mergerUpon dispute of these charges Navy Federal admitted they were incorrect and gave us the money backDuring the merger they also removed the joint owner from all accounts and their access without my permission or the joint owners permissionAlso, we have called the number provided by Navy Federal numerous times regarding this issueWe are told that we are correct there is no signature on file changing the terms of the loan, that the contract they have says the due date is the 1st of every month but that there is nothing they can do to help usRepresentatives have told us we are right but there is nothing they can doWhy won’t anyone help us? Why are contracts not honored by Navy Federal Credit Union? Regards, [redacted] ***
The following references the complaint we received on November 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 Mr [redacted] concerns [redacted] Assistant Manager, Early Stage Collections, attempted to contact Mr [redacted] on November and left a voicemail message for him to return his call We apologize for the inconvenience Mr [redacted] experienced Mr***’s refinanced loan was approved on November All late fees and interest accrued on his original loan from September have been waived and we have sent a request to the four nationwide credit reporting agencies to remove the derogatory reporting for September Please note, it may take up to days for the updates to reflect in our member’s credit file Should Mr [redacted] have further questions, he may contact Mr [redacted] ***, between the hours of 8:a.mand 4:p.m., Eastern time, weekdays
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on July 2016, submitted by our member, [redacted] We have thoroughly researched the concerns presented in our member’s complaint Through our review of this matter, we concluded that the decline of [redacted] ’s business credit card request was justified and accurate based on our underwriting criteria for these products There were no irregular or discriminatory actions on the part of our representative Navy Federal does not discriminate in any manner, and did not discriminate against [redacted] on any occasion On July 2016, Andrew F*, Supervisor, Business Services, spoke with [redacted] and explained the credit process to her and why she was declined She was advised that business credit lending standards are different from consumer lending standards and policy requires that all Navy Federal accounts be in good standing at the time of application, and hers were not [redacted] was also advised that we can still process her application request for a $100,Business Line of Credit; however, the same business credit lending standards and policies would apply She decided to continue with the application If [redacted] has any questions, she may contact MrF [redacted] at ###-###-####, extension ***, between the hours of 8:a.mto 4:p.m., Eastern time, Monday through Friday
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
The following references the complaint we received on April from the Revdex.com on behalf of [redacted] .? The complaint was assigned an ID number of [redacted] .? Navy Federal has thoroughly reviewed our member’s concerns.? We denied Mr [redacted] ’s claim of fraudulent activity in 2014.? However, upon further investigation and after receiving new information, on April 2016, Jimmy R***, Assistant Vice President, Financial Crimes and Risk, spoke with Mr [redacted] and determined that his claim would be honored.? We have now annotated our records regarding the [redacted] account issued in Mr [redacted] ’s name to reflect the account as invalid.? In addition, we have contacted the four consumer reporting agencies and requested that the trade line for the account be deleted from Mr [redacted] ’s credit report.? Should he have any questions, Mr [redacted] may contact MrR [redacted] at ###-###-#### between 7:a.mand 3:p.m., Central time, weekdays.?
[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 un-satisfactory to me; however, since the same response is solely being reiterated in different terms I am not wanting to continue the discussion Regards, [redacted]
The following references the complaint we received on August 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 concerns On April, [redacted] called Navy Federal to dispute a debit made by [redacted] for a hotel reservation which had posted to his account on April At that time, he stated that he had made a reservation at the hotel in question but had later attempted to cancel the reservation A provisional credit of $was placed on his account on April; however, our review of his claim found that no error had taken place with respect to the transaction Therefore, on June, a letter was sent to [redacted] advising of the results of the investigation and that the provisional credit would be removedOn July, the credit was removed and, on August, [redacted] spoke with a Navy Federal representative, during which conversation he claimed that he had not made a purchase through [redacted] and that he was a victim of fraud When a member makes a claim of fraud, we deactivate his or her [redacted] Check card to protect Navy Federal as well as the individual We can expedite the delivery of a new card to ensure that he or she suffers as little inconvenience as possible Although this option was offered to [redacted] ***, he declined to take advantage of the service as he stated he wastraveling; he went to our Gainsborough Branch, located in Chesapeake, Virginia, and received a new card In addition, acredit of $was applied to his checking account on August in the interest of member service
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on September 2016, submitted by, [redacted] We have thoroughly researched [redacted] ’s concerns Through our investigation, it was determined that the Navy Federal Membership Savings and e-Checking accounts opened in her name on July were a result of identity theft On July 2016, the accounts were flagged as suspicious and promptly restricted On September 2016, the savings and checking accounts were properly closed We have sent a letter to the credit reporting agency [redacted] , requesting that they remove the inquiry related to the membership application, from [redacted] ’s credit report It may take up to days for such updated information to appear in her credit file We recommend that [redacted] further protect herself by contacting the credit reporting agencies to report herself as an identity theft victim 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
[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. The update has already taken place with the credit bureaus Thank you M [redacted] M [redacted] ***
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on June 2016, submitted by our member, [redacted] We have thoroughly researched the concerns presented in [redacted] ’s complaint During a telephone conversation with our representative on June, [redacted] was advised of our verification of membership eligibility requirement [redacted] stated she would fax to us the appropriate documents On July, Juliane D [redacted] Supervisor, Membership/Members Officer, telephoned [redacted] regarding Navy Federal’s membership eligibility requirements and the status of her loan account number ending in ** On July, we received document(s) verifying [redacted] ’s membership eligibility and the online account restriction was removed On July, Anu J***, Supervisor, Endorsement Verification and Loan Cancel, telephoned and confirmed with [redacted] that she would like the [redacted] loan account to remain open A new loan draft has been issued and sent to [redacted] with the Promissory Note We have verified that Navy Federal has not reported any derogatory information to the nationwide credit reporting agencies regarding this loan If [redacted] has any questions, she may contact Carrie M [redacted] , Document and Research Liaison, at ###-###-####, extension ***, between the hours of 8:a.mto 4: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] We have reviewed [redacted] ***’s concerns related to her deposit submitted through our online deposit service on January Our online deposit service notifies users that deposits of greater than $1,are subject to a two-day hold, as stated in our Funds Availability policy A credit was placed on the account to give [redacted] access to funds However, [redacted] should note that our Funds Availability policy, including any applicable holds, will apply to her future deposits A copy of the policy is attached for her reference Should [redacted] have additional questions, she may call our Contact Center hours a day, seven days a week, by calling 1-888-842-NFCU (6328)
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on April 2016, submitted by [redacted] ***? We have thoroughly researched [redacted] ***’s concerns regarding payments to her son’s credit card and consumer loan accounts.? According to our records [redacted] authorized payments to the accounts, with the dates and amounts of the payments agreed upon and confirmation numbers provided for each transaction, during her telephone conversations with our representatives.? We have no record of a request to cancel the payments authorized by [redacted] to occur on and April.? These payments were subsequently returned due to non-sufficient funds.? Since the payments were processed in accordance with [redacted] ***’s authorization, reimbursement will not be provided for fees assessed by another financial institution resulting from non-sufficient funds? Kevin F*, Assistant Supervisor, Collections, contacted [redacted] on April.? As requested, we have canceled all future payments.? However, as advised by MrF*, payments which had previously been authorized by [redacted] to be completed on April had already been processed and could not be canceled.? ? If [redacted] has any additional questions regarding this matter, she may contact Gregory G [redacted] , Manager, Collections, at ###-###-####, extension 70811, between the hours of 8:a.mand 5:p.m., Central time, Monday through Friday
This is in reference to a follcomplaint, ID number [redacted] , which was submitted to Navy Federal by [redacted] After additional research into [redacted] ***’s concern, Navy Federal will accommodate her request to refund fees associated with payments that were processed from her external account on April On May, we left a voicemail requesting that [redacted] provide a copy of her bank statement showing our attempts to process the payments and the non-sufficient funds fees being drafted from her account Upon our receipt of this documentation, a refund for the fees will be wired directly to her external account If [redacted] has any additional questions regarding this matter, she may contact Gregory G [redacted] , Manager, Collections, at ###-###-####, between the hours of 8:a.mand 5:p.m., Central time, Monday through Friday
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 Navy Federal has reviewed our member’s concerns On March, Jeffrey G [redacted] , Supervisor, Consumer Portfolio, contacted [redacted] to discuss her loan account We worked with our member to resolve her concern, and we confirmed that the interest rate on her loan is 3.59% per annum
The following references the complaint we received on March from the Revdex.com on behalf of [redacted] ***The complaint was assigned an ID number of [redacted] ? Navy Federal has thoroughly reviewed [redacted] ***’s concerns.? Following a full investigation, [redacted] ***’s claim of unauthorized transactions was denied.? [redacted] and [redacted] remain responsible for the negative balance of the joint checking account? Should [redacted] have additional questions, she may contact Jimmy R***, Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension ***, between the hours of 7:a.mand 3:p.mCentral time, weekdays
The following references the complaint we received on August from the Revdex.com on behalf of Navy Federal member [redacted] The complaint was assigned an ID number of [redacted] We have thoroughly researched [redacted] ’s concern regarding his vehicle repossession and determined that the repossession was conducted appropriately A letter was sent to our member on May 2016, stating our intent to repossess the vehicle The collateral was assigned for repossession on July We received a payment of $on August; however, at that time, the past due amount was $987.90, of which $was due for his July payment Our records indicate that [redacted] spoke to a Member Service Representative on August and there was a miscommunication concerning the repossession process As a matter of member service, we are mailing [redacted] a check to reimburse him for the costs associated with the repossession Should [redacted] have further questions, he may contact MsC [redacted] at ###-###-####, extension ***, between the hours of 8:a.mand 4:p.m., Monday through Friday In addition to his vehicle loan, [redacted] has a personal expense loan that is currently past due by $68.42, with a payment due date of August He may call ###-###-#### between the hours of 8:a.mand 8:p.m., Eastern time, to schedule payments for that loan
The following references the complaint we received on May 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 concerns. Navy Federal does not publicly discuss our security procedures; however, we did send [redacted] a letter on May informing him that he may request a copy of the report in question from Early Warning Services, LLC; if he finds any information contained in the report is inaccurate or incomplete, he has the right to dispute the matter with the reporting agency. The firm’s contact information is: Early Warning Services, LLC ATTN: Consumer Services [redacted] Scottsdale, AZ [redacted] Phone No.: ###-###-#### Fax No.: ###-###-#### Should [redacted] have any questions, he may call Robert S [redacted] , Assistant Vice President, Security, at ###-###-#### between 8:a.mand 5:p.m., Eastern time, weekdays
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 Mr [redacted] ’s concerns and have reached out to him to discuss this matter On April, the section manager of our [redacted] ***’s Mortgage branch spoke with our member to explain the requirements for the re-inspection of the property and to let Mr [redacted] know that Navy Federal would cover the cost of this re-inspection We regret the frustration our member experienced in this situation, and we counseled the loan officer involved to prevent a recurrence of these events We appreciate Mr [redacted] ’s allowing us the opportunity to address these issues
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 complaintOn November 2014, [redacted] received budgetary counseling from Navy Federal’s Personal Financial Management programWe were able to place her Navy Federal loan account number ending in on a reduced Annual Percentage Rate (APR) and reduced payment plan for a period of months beginning January Due to a Navy Federal error, [redacted] ’ loan did not properly revert back to the original APR and payment amount in January 2016; subsequently, her payment due continued at the plan amount until July Due to our error, we have adjusted [redacted] ’ loan to the reduced payment for the months of July and August On August 2016, Shawn J [redacted] , Personal Finance Specialist, spoke with [redacted] and advised her of the payment due date(s) and amount We were also able to place her loan on the reduced APR and reduced payment plan for an additional month period beginning September We regret any inconvenience and frustration this matter may have caused our member If [redacted] has any questions, she may contact Amanda Schell, Assistant Supervisor, Personal Finance Management, at ###-###-####, extension ***, between the hours of 11:a.mto 8:p.m., Central 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 thoroughly reviewed our member’s concerns Mr [redacted] ’s loan requests were not denied due to the purpose for which the funds were needed but rather due to our being unable to verify his income When Lisa P***, Supervisor, Loan Officer Section I, contacted Mr [redacted] by phone on December in response to his complaint, she confirmed his correct employment information His loan applications had listed his former employer, which was why we were unable to verify his income On December, Mr [redacted] ’s Navy Federal accounts were reopened at his request, and he submitted another loan application, which was approved.The manager of our Ballston Branch, Abigail L***, also spoke with Mr [redacted] by phone on December and apologized for his experience at the branch Every effort will be made in the future to ensure that Mr [redacted] receives the accurate and efficient service to which he is entitled Should Mr [redacted] have any questions, he may call MsP [redacted] toll-free at ###-###-####, extension ***, between 9:a.mand 5:p.m., Central time, weekdays
[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 loan in question is due on the 1st of every month, per the contract that we signed and per the copy of the contract that Navy Federal supplied to usNo other agreement was signed nor accepted to change the due date or any terms of the contractNavy Federal also tried in the last two weeks to say we didn’t pay over $worth of bills and charges from the mergerUpon dispute of these charges Navy Federal admitted they were incorrect and gave us the money backDuring the merger they also removed the joint owner from all accounts and their access without my permission or the joint owners permissionAlso, we have called the number provided by Navy Federal numerous times regarding this issueWe are told that we are correct there is no signature on file changing the terms of the loan, that the contract they have says the due date is the 1st of every month but that there is nothing they can do to help usRepresentatives have told us we are right but there is nothing they can doWhy won’t anyone help us? Why are contracts not honored by Navy Federal Credit Union? Regards, [redacted] ***
The following references the complaint we received on November 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 Mr [redacted] concerns [redacted] Assistant Manager, Early Stage Collections, attempted to contact Mr [redacted] on November and left a voicemail message for him to return his call We apologize for the inconvenience Mr [redacted] experienced Mr***’s refinanced loan was approved on November All late fees and interest accrued on his original loan from September have been waived and we have sent a request to the four nationwide credit reporting agencies to remove the derogatory reporting for September Please note, it may take up to days for the updates to reflect in our member’s credit file Should Mr [redacted] have further questions, he may contact Mr [redacted] ***, between the hours of 8:a.mand 4:p.m., Eastern time, weekdays
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on July 2016, submitted by our member, [redacted] We have thoroughly researched the concerns presented in our member’s complaint Through our review of this matter, we concluded that the decline of [redacted] ’s business credit card request was justified and accurate based on our underwriting criteria for these products There were no irregular or discriminatory actions on the part of our representative Navy Federal does not discriminate in any manner, and did not discriminate against [redacted] on any occasion On July 2016, Andrew F
*, Supervisor, Business Services, spoke with [redacted] and explained the credit process to her and why she was declined She was advised that business credit lending standards are different from consumer lending standards and policy requires that all Navy Federal accounts be in good standing at the time of application, and hers were not [redacted] was also advised that we can still process her application request for a $100,Business Line of Credit; however, the same business credit lending standards and policies would apply She decided to continue with the application If [redacted] has any questions, she may contact MrF [redacted] at ###-###-####, extension ***, between the hours of 8:a.mto 4:p.m., Eastern time, Monday through Friday
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
The following references the complaint we received on April from the Revdex.com on behalf of [redacted] .? The complaint was assigned an ID number of [redacted] .? Navy Federal has thoroughly reviewed our member’s concerns.? We denied Mr [redacted] ’s claim of fraudulent activity in 2014.? However, upon further investigation and after receiving new information, on April 2016, Jimmy R***, Assistant Vice President, Financial Crimes and Risk, spoke with Mr [redacted] and determined that his claim would be honored.? We have now annotated our records regarding the [redacted] account issued in Mr [redacted] ’s name to reflect the account as invalid.? In addition, we have contacted the four consumer reporting agencies and requested that the trade line for the account be deleted from Mr [redacted] ’s credit report.? Should he have any questions, Mr [redacted] may contact MrR [redacted] at ###-###-#### between 7:a.mand 3:p.m., Central time, weekdays.?
[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 un-satisfactory to me; however, since the same response is solely being reiterated in different terms I am not wanting to continue the discussion Regards, [redacted]
The following references the complaint we received on August 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 concerns On April, [redacted] called Navy Federal to dispute a debit made by [redacted] for a hotel reservation which had posted to his account on April At that time, he stated that he had made a reservation at the hotel in question but had later attempted to cancel the reservation A provisional credit of $was placed on his account on April; however, our review of his claim found that no error had taken place with respect to the transaction Therefore, on June, a letter was sent to [redacted] advising of the results of the investigation and that the provisional credit would be removedOn July, the credit was removed and, on August, [redacted] spoke with a Navy Federal representative, during which conversation he claimed that he had not made a purchase through [redacted] and that he was a victim of fraud When a member makes a claim of fraud, we deactivate his or her [redacted] Check card to protect Navy Federal as well as the individual We can expedite the delivery of a new card to ensure that he or she suffers as little inconvenience as possible Although this option was offered to [redacted] ***, he declined to take advantage of the service as he stated he wastraveling; he went to our Gainsborough Branch, located in Chesapeake, Virginia, and received a new card In addition, acredit of $was applied to his checking account on August in the interest of member service
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on September 2016, submitted by, [redacted] We have thoroughly researched [redacted] ’s concerns Through our investigation, it was determined that the Navy Federal Membership Savings and e-Checking accounts opened in her name on July were a result of identity theft On July 2016, the accounts were flagged as suspicious and promptly restricted On September 2016, the savings and checking accounts were properly closed We have sent a letter to the credit reporting agency [redacted] , requesting that they remove the inquiry related to the membership application, from [redacted] ’s credit report It may take up to days for such updated information to appear in her credit file We recommend that [redacted] further protect herself by contacting the credit reporting agencies to report herself as an identity theft victim 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
[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. The update has already taken place with the credit bureaus Thank you M [redacted] M [redacted] ***
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on June 2016, submitted by our member, [redacted] We have thoroughly researched the concerns presented in [redacted] ’s complaint During a telephone conversation with our representative on June, [redacted] was advised of our verification of membership eligibility requirement [redacted] stated she would fax to us the appropriate documents On July, Juliane D [redacted] Supervisor, Membership/Members Officer, telephoned [redacted] regarding Navy Federal’s membership eligibility requirements and the status of her loan account number ending in ** On July, we received document(s) verifying [redacted] ’s membership eligibility and the online account restriction was removed On July, Anu J***, Supervisor, Endorsement Verification and Loan Cancel, telephoned and confirmed with [redacted] that she would like the [redacted] loan account to remain open A new loan draft has been issued and sent to [redacted] with the Promissory Note We have verified that Navy Federal has not reported any derogatory information to the nationwide credit reporting agencies regarding this loan If [redacted] has any questions, she may contact Carrie M [redacted] , Document and Research Liaison, at ###-###-####, extension ***, between the hours of 8:a.mto 4: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] We have reviewed [redacted] ***’s concerns related to her deposit submitted through our online deposit service on January Our online deposit service notifies users that deposits of greater than $1,are subject to a two-day hold, as stated in our Funds Availability policy A credit was placed on the account to give [redacted] access to funds However, [redacted] should note that our Funds Availability policy, including any applicable holds, will apply to her future deposits A copy of the policy is attached for her reference Should [redacted] have additional questions, she may call our Contact Center hours a day, seven days a week, by calling 1-888-842-NFCU (6328)
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on April 2016, submitted by [redacted] ***? We have thoroughly researched [redacted] ***’s concerns regarding payments to her son’s credit card and consumer loan accounts.? According to our records [redacted] authorized payments to the accounts, with the dates and amounts of the payments agreed upon and confirmation numbers provided for each transaction, during her telephone conversations with our representatives.? We have no record of a request to cancel the payments authorized by [redacted] to occur on and April.? These payments were subsequently returned due to non-sufficient funds.? Since the payments were processed in accordance with [redacted] ***’s authorization, reimbursement will not be provided for fees assessed by another financial institution resulting from non-sufficient funds? Kevin F
*, Assistant Supervisor, Collections, contacted [redacted] on April.? As requested, we have canceled all future payments.? However, as advised by MrF
*, payments which had previously been authorized by [redacted] to be completed on April had already been processed and could not be canceled.? ? If [redacted] has any additional questions regarding this matter, she may contact Gregory G [redacted] , Manager, Collections, at ###-###-####, extension 70811, between the hours of 8:a.mand 5:p.m., Central time, Monday through Friday
This is in reference to a follcomplaint, ID number [redacted] , which was submitted to Navy Federal by [redacted] After additional research into [redacted] ***’s concern, Navy Federal will accommodate her request to refund fees associated with payments that were processed from her external account on April On May, we left a voicemail requesting that [redacted] provide a copy of her bank statement showing our attempts to process the payments and the non-sufficient funds fees being drafted from her account Upon our receipt of this documentation, a refund for the fees will be wired directly to her external account If [redacted] has any additional questions regarding this matter, she may contact Gregory G [redacted] , Manager, Collections, at ###-###-####, between the hours of 8:a.mand 5:p.m., Central time, Monday through Friday
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 Navy Federal has reviewed our member’s concerns On March, Jeffrey G [redacted] , Supervisor, Consumer Portfolio, contacted [redacted] to discuss her loan account We worked with our member to resolve her concern, and we confirmed that the interest rate on her loan is 3.59% per annum
The following references the complaint we received on March from the Revdex.com on behalf of [redacted] ***The complaint was assigned an ID number of [redacted] ? Navy Federal has thoroughly reviewed [redacted] ***’s concerns.? Following a full investigation, [redacted] ***’s claim of unauthorized transactions was denied.? [redacted] and [redacted] remain responsible for the negative balance of the joint checking account? Should [redacted] have additional questions, she may contact Jimmy R***, Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension ***, between the hours of 7:a.mand 3:p.mCentral time, weekdays
The following references the complaint we received on August from the Revdex.com on behalf of Navy Federal member [redacted] The complaint was assigned an ID number of [redacted] We have thoroughly researched [redacted] ’s concern regarding his vehicle repossession and determined that the repossession was conducted appropriately A letter was sent to our member on May 2016, stating our intent to repossess the vehicle The collateral was assigned for repossession on July We received a payment of $on August; however, at that time, the past due amount was $987.90, of which $was due for his July payment Our records indicate that [redacted] spoke to a Member Service Representative on August and there was a miscommunication concerning the repossession process As a matter of member service, we are mailing [redacted] a check to reimburse him for the costs associated with the repossession Should [redacted] have further questions, he may contact MsC [redacted] at ###-###-####, extension ***, between the hours of 8:a.mand 4:p.m., Monday through Friday In addition to his vehicle loan, [redacted] has a personal expense loan that is currently past due by $68.42, with a payment due date of August He may call ###-###-#### between the hours of 8:a.mand 8:p.m., Eastern time, to schedule payments for that loan
The following references the complaint we received on May 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 concerns. Navy Federal does not publicly discuss our security procedures; however, we did send [redacted] a letter on May informing him that he may request a copy of the report in question from Early Warning Services, LLC; if he finds any information contained in the report is inaccurate or incomplete, he has the right to dispute the matter with the reporting agency. The firm’s contact information is: Early Warning Services, LLC ATTN: Consumer Services [redacted] Scottsdale, AZ [redacted] Phone No.: ###-###-#### Fax No.: ###-###-#### Should [redacted] have any questions, he may call Robert S [redacted] , Assistant Vice President, Security, at ###-###-#### between 8:a.mand 5:p.m., Eastern time, weekdays
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 Mr [redacted] ’s concerns and have reached out to him to discuss this matter On April, the section manager of our [redacted] ***’s Mortgage branch spoke with our member to explain the requirements for the re-inspection of the property and to let Mr [redacted] know that Navy Federal would cover the cost of this re-inspection We regret the frustration our member experienced in this situation, and we counseled the loan officer involved to prevent a recurrence of these events We appreciate Mr [redacted] ’s allowing us the opportunity to address these issues