The following references the complaint we received June 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 Platinum [redacted] account Our records indicate that on September 2015, [redacted] ***’s billing cycle closed with a $minimum payment due by October The minimum payment was not received by the due date Our records reflect that the September statement and the attached payment request were sent to our member’s address of record via the U.SPostal Service We attempted to contact [redacted] on November 2015, and left a voice mail for him to call Navy Federal We contacted [redacted] again on November, at which time he made the payment to bring his account current We report accurate data to all of the major reporting agencies, and cannot remove the late payment from [redacted] ***’s credit report Should [redacted] have further questions, he may contact Carrie M [redacted] , Research and Documentation Liaison, at ###-###-####, extension 44926, between the hours of 8:a.mand 4:p.m., Eastern time, Monday through Friday
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] .? We have thoroughly researched [redacted] ’s concern regarding the restrictions on her accounts.? After receiving suspicious phone calls, an alert was places to secure our member’s accounts from potential unauthorized activityIn order to remove the alert, she needs to visit a branch office or make her request in writing via mail, fax or scanned letter through her online account access.? If [redacted] makes her request in writing, she must provide a copy of a valid government issued photo ID? If [redacted] has further questions, she should contact Kyla S***, Resolution Specialist, at ###-###-####, extension ***, between the hours of 6:a.mand 3: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: This account number does not belong to [redacted] *** It belongs to [redacted] ***. The complete account number for [redacted] is Acct# [redacted] according to the attached letterBut, according to the credit bureau it reads: [redacted] and was opened 09/01/2008, with a balance amt of $1,753.00, and the status is: Charged Off. Again, I would like to have my name completely removed from this account. THIS ACCOUNT DOES NOT BELONG TO ME OR TO [redacted] Regards, [redacted] ***
This is in reference to a follcomplaint, ID number [redacted] , submitted by Navy Federal member, [redacted] M [redacted] We have thoroughly researched the concerns presented in our member’s complaint regarding her debit card fraud claim submitted on March As advised in our previous response to the Revdex.com on April 2016, we determined that no error occurred Based on the information provided in Miss [redacted] ’s claim, her account activity and no new information to counter our findings, our determination remains the same If Miss [redacted] has any questions, she may contact Amanda D***, Supervisor, Card Fraud Prevention, at ###-###-####, extension 43711, between the hours of 7:a.mto 4: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 I was contacted and received a direct phone number and contacg to help resolve the matterI have continued to fax material -affidavid of stolen account and police report (3) to them and await the status of the accountWhen working with [redacted] bank they were very helpful and sent me a packet of information about how to deal with id theftI would recommend this company setting up some sort of similar procedure to deal with the informationToday, I faxed verification from the bank that the account at the other bank was not opened by me and hope this resolves the matter Regards, [redacted]
The following is in response to the complaint we received on August from the Revdex.com on behalf of [redacted] . The complaint was assigned an ID number of [redacted] . Based on our records, our member initially opened his account online on June 2015, and visited a branch on August to add his wife to his accounts. However, a request to add our member's wife was not received, which would have been done with a completed/signed [redacted] form. Subsequently, our records also indicate that our member's wife [redacted] submitted an online application on June 2015, which was pending because we required an image of a government-issued identification card and Social Security card from [redacted] . The documents we received on August 2015, were illegible, which required [redacted] to visit a branch office with the documents. On August 2015, the image of the Social Security card and U.SPermanent Resident Identification card was received. We were subsequently able to complete the application and process the initial funding for deposit, which was authorized by [redacted] in the amount of $using a credit card account ending in 9201; the account ending in [redacted] was therefore credited with $250.00. On August 2015, a request was made to reverse the transaction. Our records reflect that this request was completed August and the card-based funding reversal was processed in the amount of $250.00, crediting the credit card account ending in ***. The reversal can take five to seven business days for the credit to appear on our member's credit card account.Follquestions should be directed to Lisa T [redacted] , Supervisor, Membership, by calling ###-###-####.
The following references the complaint we received on March from the Revdex.com, submitted by Navy Federal member [redacted] on behalf of [redacted] The complaint was assigned an ID number of [redacted] We have thoroughly researched our member’s concerns Our records show that [redacted] filed a dispute for a recurring charge that posted to her Navy Federal Business [redacted] credit card accountNavy Federal investigated [redacted] ***’ dispute claim and was unable to pursue a refund from the merchant because our member could not provide documentation regarding the cancelation of her subscription with the merchantAs a member courtesy, we are not holding our member responsible for the amount of the transaction The recurring charge posted again to the member’s credit card account in February On February, [redacted] contacted Navy Federal by telephone and requested to close the credit card accountIn accordance with our member’s request, we closed the credit card account and mailed a letter to her advising that although the account was in a closed status, any previously authorized recurring charges would continue to post to the accountThe letter also advised our member that it is the cardholder’s responsibility to contact merchants with recurring authorizations to revoke those authorizationsWe have initiated a chargeback on our member’s behalf advising of our member’s request to cancel the recurring transactions If [redacted] has any questions, she may contact Thi T*, Business Operations Specialist, at ###-###-####, extension ***, between 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 June 2016, submitted by our member, [redacted] We have thoroughly researched the concerns presented in our member’s complaint regarding her vehicle repossession Through our review of this matter, we concluded that Navy Federal mailed [redacted] an intent to repossess notice We have been working to resolve this matter with [redacted] and a portion of the costs associated with the repossession were waived [redacted] was not required to remit the upcoming payment in order to retrieve her vehicle The fee associated with the piof her personal belongings is not a Navy Federal cost and will need to be addressed with the repossession agency We previously sent the requested information pertaining to the past due amounts and the required retrieval fees separately to [redacted] ; an additional copy is being mailed to her address of record We will not request a change to her credit report as all data reported concerning the vehicle is accurate; the delinquent payment history will remain on the report Should [redacted] obtain any supporting documentation that would substantiate a correction to the reporting of this account, she may fax it to us at [redacted] ***, Attention: Credit Bureau Reporting/Disputes If [redacted] has any questions, she may contact Karen C [redacted] , Manager, Repossession, 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 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 December 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 December regarding her concerns.? [redacted] was advised that Navy Federal had received the merchant’s letter indicating the transactions at issue were made due to their error, and that we had refunded the associated returned items fees assessed against her account? Should our member have additional questions, our Contact Center representatives are available to assist her hours a day, seven days a week, and can be reached by calling 1-888-842-NFCU (6328)
[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, [redacted]
This is in reference to the follcomplaint we received on January from the Revdex.com on behalf of Navy Federal member [redacted] . The complaint was originally assigned an ID number of [redacted] Thank you for the opportunity to address our member's concern At Navy Federal, our members are always our first priority If members fall into default on a loan, we always work with our members to resolve the matter in a fair and reasonable manner In this case, [redacted] has received clear written guidance and the name and contact information of the attorney authorized to resolve his claim
[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 Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Per my conversation with [redacted] , [redacted] and [redacted] - Navy Federal is still reporting this as my accountThis should not be on my credit report at all and I request that Navy Federal Remove this account from my file immediately. At this point they are reporting information to my report that is very inaccurate. There should be nothing for them to report since this is mot my account Regards, [redacted] ***
The following is in response to the complaint we received on July from the Revdex.com on behalf of [redacted] The complaint was originally assigned an ID number of [redacted] .There is no further action for Navy Federal to take at this time We consider this case to be closed
The following references the complaint we received on June from the Revdex.com on behalf of [redacted] ***. The complaint was assigned an ID number of [redacted] We have researched our member’s concerns. Navy Federal is required to validate each new member's identity when new membership and accounts are established. We may require specific documentation to comply with requirements in verifying identity and establishing membership eligibility. Unfortunately, we were unable verify [redacted] ***’s identity with the documents he sent in; therefore, his account was temporarily restricted Carrie M***, Supervisor, Security Operations Center, reviewed documentation submitted by [redacted] and contacted him on June to advise that she removed the restrictions on the accountIn addition, [redacted] ***’s savings account was processed for closure at his request, and a check in the amount of $was mailed to his address of record If [redacted] has any further questions, he may contact MsM [redacted] at ###-###-####, extension ***, between the hours of 7:a.mand 3:p.m., Central time, weekdays
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 regarding his variable rate credit card opened in The decision to reduce an Annual Percentage Rate (APR) is based on account management and pricing guidelines Our review of [redacted] ’s account confirms that, based on our guidelines and his current account history, [redacted] is receiving the lowest APR we can offer him at this time Should [redacted] have additional questions, he may contact June B [redacted] , Credit Card Loan Officer, at ###-###-####, extension ***, between the hours of 7:a.mand 3: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 follcomplaint ID number [redacted] , which was submitted by [redacted] As indicated in our previous responses to the Revdex.com regarding this matter, Navy Federal has conducted a thorough investigation of [redacted] ’s fraud claimAccording to our records, [redacted] submitted applications for his [redacted] Signature cashRewards and Platinum [redacted] credit card accounts by telephone on June and July 2013, respectivelyBy his use of the credit cards which were issued to him, [redacted] agreed to the terms of Navy Federal’s Credit Card Agreement and Disclosure, which was provided to him when the accounts were establishedA copy of the disclosure is attachedA copy of [redacted] ’s consumer loan Promissory Note was mailed to the address provided on June Our investigation concluded that no error has occurred, and that [redacted] remains responsible for repayment of the balances of his Navy Federal accountsNo adjustment to the credit reporting for the accounts will be made
The following references the complaint we received on February from the Revdex.com on behalf of Navy Federal member [redacted] The complaint was assigned an ID number of [redacted] Navy Federal has thoroughly researched Ms [redacted] concernsThe Navy Federal Home Equity Line of Credit (***) account ending in [redacted] was not included in the foreclosure process due to the property’s valueAs a result, the [redacted] was charged to our reserves on February We have reviewed our member’s tradeline with the four nationwide credit reporting agencies and verified it is reporting correctly An [redacted] Form 1099-C was sent to Ms [redacted] regarding the sale of the property Should Ms [redacted] have additional questions, she may contact [redacted] , at [redacted] Ms [redacted] is available from 8:a.mto 4:p.m., Eastern time, weekdays
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on February 2016, submitted by our member, [redacted] We have thoroughly researched the concerns presented in our member’s complaint regarding the processing of his U.SDepartment of Veterans Affairs (VA) mortgage loan As advised in our previous response to the Revdex.com on February 2016, during the loan verification process we found that [redacted] ’s original employment information which was provided to us by ** [redacted] no longer applied This caused timely delays to the application process as ** [redacted] no longer qualified for a year VA loan When ** [redacted] agreed to change to a year loan term he also agreed to the market rate of 3.625% Navy Federal worked with ** [redacted] to find a viable solution that he accepted by executing the closing documents Navy Federal does not discriminate in any manner, and did not discriminate against **and [redacted] on any occasion Additionally, we regret our misunderstanding regarding ** [redacted] ’s request for no further contact and we will follow procedures when contacting him going forward 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 June 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 Platinum [redacted] account Our records indicate that on September 2015, [redacted] ***’s billing cycle closed with a $minimum payment due by October The minimum payment was not received by the due date Our records reflect that the September statement and the attached payment request were sent to our member’s address of record via the U.SPostal Service We attempted to contact [redacted] on November 2015, and left a voice mail for him to call Navy Federal We contacted [redacted] again on November, at which time he made the payment to bring his account current We report accurate data to all of the major reporting agencies, and cannot remove the late payment from [redacted] ***’s credit report Should [redacted] have further questions, he may contact Carrie M [redacted] , Research and Documentation Liaison, at ###-###-####, extension 44926, between the hours of 8:a.mand 4:p.m., Eastern time, Monday through Friday
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] .? We have thoroughly researched [redacted] ’s concern regarding the restrictions on her accounts.? After receiving suspicious phone calls, an alert was places to secure our member’s accounts from potential unauthorized activityIn order to remove the alert, she needs to visit a branch office or make her request in writing via mail, fax or scanned letter through her online account access.? If [redacted] makes her request in writing, she must provide a copy of a valid government issued photo ID? If [redacted] has further questions, she should contact Kyla S***, Resolution Specialist, at ###-###-####, extension ***, between the hours of 6:a.mand 3: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: This account number does not belong to [redacted] *** It belongs to [redacted] ***. The complete account number for [redacted] is Acct# [redacted] according to the attached letterBut, according to the credit bureau it reads: [redacted] and was opened 09/01/2008, with a balance amt of $1,753.00, and the status is: Charged Off. Again, I would like to have my name completely removed from this account. THIS ACCOUNT DOES NOT BELONG TO ME OR TO [redacted] Regards, [redacted] ***
This is in reference to a follcomplaint, ID number [redacted] , submitted by Navy Federal member, [redacted] M [redacted] We have thoroughly researched the concerns presented in our member’s complaint regarding her debit card fraud claim submitted on March As advised in our previous response to the Revdex.com on April 2016, we determined that no error occurred Based on the information provided in Miss [redacted] ’s claim, her account activity and no new information to counter our findings, our determination remains the same If Miss [redacted] has any questions, she may contact Amanda D***, Supervisor, Card Fraud Prevention, at ###-###-####, extension 43711, between the hours of 7:a.mto 4: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 I was contacted and received a direct phone number and contacg to help resolve the matterI have continued to fax material -affidavid of stolen account and police report (3) to them and await the status of the accountWhen working with [redacted] bank they were very helpful and sent me a packet of information about how to deal with id theftI would recommend this company setting up some sort of similar procedure to deal with the informationToday, I faxed verification from the bank that the account at the other bank was not opened by me and hope this resolves the matter Regards, [redacted]
The following is in response to the complaint we received on August from the Revdex.com on behalf of [redacted] . The complaint was assigned an ID number of [redacted] . Based on our records, our member initially opened his account online on June 2015, and visited a branch on August to add his wife to his accounts. However, a request to add our member's wife was not received, which would have been done with a completed/signed [redacted] form. Subsequently, our records also indicate that our member's wife [redacted] submitted an online application on June 2015, which was pending because we required an image of a government-issued identification card and Social Security card from [redacted] . The documents we received on August 2015, were illegible, which required [redacted] to visit a branch office with the documents. On August 2015, the image of the Social Security card and U.SPermanent Resident Identification card was received. We were subsequently able to complete the application and process the initial funding for deposit, which was authorized by [redacted] in the amount of $using a credit card account ending in 9201; the account ending in [redacted] was therefore credited with $250.00. On August 2015, a request was made to reverse the transaction. Our records reflect that this request was completed August and the card-based funding reversal was processed in the amount of $250.00, crediting the credit card account ending in ***. The reversal can take five to seven business days for the credit to appear on our member's credit card account.Follquestions should be directed to Lisa T [redacted] , Supervisor, Membership, by calling ###-###-####.
The following references the complaint we received on March from the Revdex.com, submitted by Navy Federal member [redacted] on behalf of [redacted] The complaint was assigned an ID number of [redacted] We have thoroughly researched our member’s concerns Our records show that [redacted] filed a dispute for a recurring charge that posted to her Navy Federal Business [redacted] credit card accountNavy Federal investigated [redacted] ***’ dispute claim and was unable to pursue a refund from the merchant because our member could not provide documentation regarding the cancelation of her subscription with the merchantAs a member courtesy, we are not holding our member responsible for the amount of the transaction The recurring charge posted again to the member’s credit card account in February On February, [redacted] contacted Navy Federal by telephone and requested to close the credit card accountIn accordance with our member’s request, we closed the credit card account and mailed a letter to her advising that although the account was in a closed status, any previously authorized recurring charges would continue to post to the accountThe letter also advised our member that it is the cardholder’s responsibility to contact merchants with recurring authorizations to revoke those authorizationsWe have initiated a chargeback on our member’s behalf advising of our member’s request to cancel the recurring transactions If [redacted] has any questions, she may contact Thi T*, Business Operations Specialist, at ###-###-####, extension ***, between 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 June 2016, submitted by our member, [redacted] We have thoroughly researched the concerns presented in our member’s complaint regarding her vehicle repossession Through our review of this matter, we concluded that Navy Federal mailed [redacted] an intent to repossess notice We have been working to resolve this matter with [redacted] and a portion of the costs associated with the repossession were waived [redacted] was not required to remit the upcoming payment in order to retrieve her vehicle The fee associated with the piof her personal belongings is not a Navy Federal cost and will need to be addressed with the repossession agency We previously sent the requested information pertaining to the past due amounts and the required retrieval fees separately to [redacted] ; an additional copy is being mailed to her address of record We will not request a change to her credit report as all data reported concerning the vehicle is accurate; the delinquent payment history will remain on the report Should [redacted] obtain any supporting documentation that would substantiate a correction to the reporting of this account, she may fax it to us at [redacted] ***, Attention: Credit Bureau Reporting/Disputes If [redacted] has any questions, she may contact Karen C [redacted] , Manager, Repossession, 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 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 December 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 December regarding her concerns.? [redacted] was advised that Navy Federal had received the merchant’s letter indicating the transactions at issue were made due to their error, and that we had refunded the associated returned items fees assessed against her account? Should our member have additional questions, our Contact Center representatives are available to assist her hours a day, seven days a week, and can be reached by calling 1-888-842-NFCU (6328)
[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, [redacted]
This is in reference to the follcomplaint we received on January from the Revdex.com on behalf of Navy Federal member [redacted] . The complaint was originally assigned an ID number of [redacted] Thank you for the opportunity to address our member's concern At Navy Federal, our members are always our first priority If members fall into default on a loan, we always work with our members to resolve the matter in a fair and reasonable manner In this case, [redacted] has received clear written guidance and the name and contact information of the attorney authorized to resolve his claim
[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 Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Per my conversation with [redacted] , [redacted] and [redacted] - Navy Federal is still reporting this as my accountThis should not be on my credit report at all and I request that Navy Federal Remove this account from my file immediately. At this point they are reporting information to my report that is very inaccurate. There should be nothing for them to report since this is mot my account Regards, [redacted] ***
The following is in response to the complaint we received on July from the Revdex.com on behalf of [redacted] The complaint was originally assigned an ID number of [redacted] .There is no further action for Navy Federal to take at this time We consider this case to be closed
The following references the complaint we received on June from the Revdex.com on behalf of [redacted] ***. The complaint was assigned an ID number of [redacted] We have researched our member’s concerns. Navy Federal is required to validate each new member's identity when new membership and accounts are established. We may require specific documentation to comply with requirements in verifying identity and establishing membership eligibility. Unfortunately, we were unable verify [redacted] ***’s identity with the documents he sent in; therefore, his account was temporarily restricted Carrie M***, Supervisor, Security Operations Center, reviewed documentation submitted by [redacted] and contacted him on June to advise that she removed the restrictions on the accountIn addition, [redacted] ***’s savings account was processed for closure at his request, and a check in the amount of $was mailed to his address of record If [redacted] has any further questions, he may contact MsM [redacted] at ###-###-####, extension ***, between the hours of 7:a.mand 3:p.m., Central time, weekdays
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 regarding his variable rate credit card opened in The decision to reduce an Annual Percentage Rate (APR) is based on account management and pricing guidelines Our review of [redacted] ’s account confirms that, based on our guidelines and his current account history, [redacted] is receiving the lowest APR we can offer him at this time Should [redacted] have additional questions, he may contact June B [redacted] , Credit Card Loan Officer, at ###-###-####, extension ***, between the hours of 7:a.mand 3: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 follcomplaint ID number [redacted] , which was submitted by [redacted] As indicated in our previous responses to the Revdex.com regarding this matter, Navy Federal has conducted a thorough investigation of [redacted] ’s fraud claimAccording to our records, [redacted] submitted applications for his [redacted] Signature cashRewards and Platinum [redacted] credit card accounts by telephone on June and July 2013, respectivelyBy his use of the credit cards which were issued to him, [redacted] agreed to the terms of Navy Federal’s Credit Card Agreement and Disclosure, which was provided to him when the accounts were establishedA copy of the disclosure is attachedA copy of [redacted] ’s consumer loan Promissory Note was mailed to the address provided on June Our investigation concluded that no error has occurred, and that [redacted] remains responsible for repayment of the balances of his Navy Federal accountsNo adjustment to the credit reporting for the accounts will be made
The following references the complaint we received on February from the Revdex.com on behalf of Navy Federal member [redacted] The complaint was assigned an ID number of [redacted] Navy Federal has thoroughly researched Ms [redacted] concernsThe Navy Federal Home Equity Line of Credit (***) account ending in [redacted] was not included in the foreclosure process due to the property’s valueAs a result, the [redacted] was charged to our reserves on February We have reviewed our member’s tradeline with the four nationwide credit reporting agencies and verified it is reporting correctly An [redacted] Form 1099-C was sent to Ms [redacted] regarding the sale of the property Should Ms [redacted] have additional questions, she may contact [redacted] , at [redacted] Ms [redacted] is available from 8:a.mto 4:p.m., Eastern time, weekdays
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on February 2016, submitted by our member, [redacted] We have thoroughly researched the concerns presented in our member’s complaint regarding the processing of his U.SDepartment of Veterans Affairs (VA) mortgage loan As advised in our previous response to the Revdex.com on February 2016, during the loan verification process we found that [redacted] ’s original employment information which was provided to us by ** [redacted] no longer applied This caused timely delays to the application process as ** [redacted] no longer qualified for a year VA loan When ** [redacted] agreed to change to a year loan term he also agreed to the market rate of 3.625% Navy Federal worked with ** [redacted] to find a viable solution that he accepted by executing the closing documents Navy Federal does not discriminate in any manner, and did not discriminate against **and [redacted] on any occasion Additionally, we regret our misunderstanding regarding ** [redacted] ’s request for no further contact and we will follow procedures when contacting him going forward If ** [redacted] has any questions, he may contact us at 1-888-842-NFCU (6328), hours a day, days a week