The following is in response to the complaint we received on September from the Revdex.com on behalf of [redacted] ** *** The complaint was assigned an IDnumber of [redacted] We have investigated our member’s concerns and determined that adjustments to the information we provided to the credit bureaus were warranted Therefore, we have requested that [redacted] , [redacted] , [redacted] and [redacted] delete loan number [redacted] from our member’s credit bureau report The credit bureaus may take up to days to make corrections to their recordsFollquestions should be directed to Kathryn B***, Supervisor, Consumer Loan Servicing, by calling ###-###-#### 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 July, submitted by our member [redacted] *** We have thoroughly researched the concerns presented in our member’s complaintNavy Federal prides itself on quality member service and we appreciate feedback when this has not occurredIt concerns us that there was difficulty locating [redacted] ***’s faxed documentation and we regret any breakdown in communication between us and our memberWe are researching this situation to determine the nature of the error so that it can be addressed and avoided in the future Through our review of this matter, we determined that Navy Federal acted appropriately with the initial restriction of [redacted] ***’s accountsOnce [redacted] ***’s documentation was received and reviewed, his Checking Line of Credit was unfrozen and is currently available for useOn July, Robin L**, Assistant Manager, Consumer Lending Portfolio, attempted to contact [redacted] regarding his concerns, but was only able to leave a voicemail [redacted] ***’s Navy Federal [redacted] Signature [redacted] credit card account has been reinstatedHe may continue use of the current card in his possession We sincerely regret any frustration and inconvenience that [redacted] may have encountered during his attempts to resolve this matterIf [redacted] has any questions, he may contact MsL**, at ###-###-####, extension ***, between the hours of 7:a.mto 4:p.m., Eastern time, Monday through Friday
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.? Through our review of [redacted] ’s credit report with the four major credit reporting agencies, we have verified that her Navy Federal accounts are reporting correctly; three Navy Federal consumer loans and two Navy Federal credit card accounts are reporting as charged off accounts that were sold to [redacted] in 2012.? ? Navy Federal is required to report fair and accurate data to the major credit reporting agencies.? If [redacted] feels that her Navy Federal tradelines are not reported correctly, she may send us a detailed letter with any supporting documentation by fax to Credit Dispute Department at###-###-####, or by mail to PO Box ***, Merrifield, Virginia ***.? ? Should [redacted] have any questions, she may contact us at 1-888-842-NFCU (6328), hours a day, days a week.?
The following references the complaint we received on August from the Revdex.com (Revdex.com) on behalf of Navy Federal member [redacted] *** The complaint was assigned an ID number of [redacted] .Navy Federal has reviewed the concerns presented by [redacted] Our records indicate that in May 2014, she submitted questions regarding Payment Protection Plan (PPP) benefits for a loan she had previously enrolled in the plan Her concerns were addressed on June in our responses to the Revdex.com and the Consumer Finance Protection Bureau On June 2015, we received [redacted] ***’s request to rescind the Cease and Desist order which had been placed on her account previously Since the letter stated that she should “only be contacted regarding the consolidation process, and no other forms of contact are [to be] initiated ,” we used her letter to process her request for a consolidation loan, and honored her request to retain the Cease and Desist for all other purposes If our member wishes to have the Cease and Desist request removed, she may fax her signed letter asking to reinstate communications to ###-###-####.Although [redacted] was issued a consolidation loan on June comprising her personal expense loans and her [redacted] account balances, finance charges in the amount of $were refunded to the credit card account on July, in connection with a 0% Annual Percentage Rate promotion in effect at the time of the account’s opening The resulting credit balance was placed in her savings account on July A late payment fee of $was charged to [redacted] ***’s [redacted] account on June because her May payment, due on May, was not received until her consolidation loan liquidated the credit card balance on June.When [redacted] requested the consolidation loan, one of her personal expense loans, held under account number [redacted] , was past due Therefore, the delinquency was correctly reported to the four consumer reporting agencies, [redacted] , [redacted] , Experian and Innovis Should our member want to pursue this issue, she may contact the agencies directly or she may contactNavy Federal She will need to provide us with a copy of the report showing her Navy Federal account, provided it is from one of the four credit bureaus to which we report This information can be faxed to ###-###-#### or forwarded to Navy Federal Credit Union, P.OBox 3700, Merrifield, Virginia 22119-3700.A review of [redacted] ***’s accounts has revealed that the Certificate of Title to her [redacted] was forwarded to [redacted] on September Regarding the addition of PPP coverage to one of her loans in 2014, we have a signed applicationon file from [redacted] for such coverage on her personal expense loan account number [redacted] A copy of the application, dated March 2014, is attached.Should [redacted] have additional concerns, she may call Victoria Stacey, Supervisor, Personal Finance Management, at ###-###-#### between 8:a.mand 4:p.m., Central time, weekdays
The following references the complaint we received on December from the Revdex.com on behalf of Navy Federal member [redacted] * [redacted] The complaint was assigned an ID number of [redacted] Navy Federal has thoroughly reviewed our member’s concern The bill pay in question was set up on February 2016, and a request to have a recurring payment created for this biller was completed on October After a thorough investigation, Navy Federal does not find this transaction to be unauthorized If Mrs [redacted] has further questions, she may contact us at ###-###-####; our representatives are available hours a day, seven days a week
The following references the complaint we received on August from the Revdex.com on behalf of Navy Federal member Valerie Woody.? The complaint was assigned an ID number of [redacted] ? We have conducted a thorough review of [redacted] ***’s concern regarding her GO Prepaid Card.? Due to suspicious activity on [redacted] ***’s account, her GO Prepaid Card was closed; however, the replacement card requested by our member was never ordered.? When [redacted] called Navy Federal to inquire as to the whereabouts of the replacement card, a new one was ordered and sent, but subsequently cancelled inadvertently.? [redacted] was contacted by Ryan S***, Supervisor, Debit Card Services, on August 2016, who discussed the suspicious activity on her GO Prepaid Card and the credit that had been made to that cardIn addition, our member was offered a $Loyalty card as a goodwill gesture.? The Loyalty card was mailed to our member on August.? [redacted] was satisfied with this resolution to her concern Tell 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 Regards, [redacted] ***
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 deniedOur 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 situationNavy 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
[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] ***
? Complaint: [redacted] I am rejecting this response because:The information that was sent by Navy federal is fully incorrectAs my husband explained in the letter that we wrote to Navy Federal, my husband is currently deployed his number which is ###-###-#### is currently turned off because he's deployed to another country for the next year and does not have access to a land lineWe left the number ###-###-#### as the proper contact number to be calledI received a missed call from a Navy federal number last week while at work that was a one way phone number and had no way to leave a voicemail when I called them backShe never left me a voicemailBecause I tried to call her back and it stated that the the number was a one way number and could not be connectSo in fact she tried to call me, left no phone numberShe states in the message to you that the account is no longer being reported on my husband's credit reportWe just recently I've submitted an application for a home loan where are the account in question is being reported as uncollected on all three credit bureausSo this isn't in fact information that they are giving youWe just apply for the home loan in February My husband has been trying to reach out to Navy federal to get a letter showing that this debt for the one specific account that is in question is lot no longer owedAnd we have still to this day have not received anything from Navy federal stating that the one that is no longer owed.? Regards, [redacted] ***
[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: [redacted] requested a supervisor and [redacted] was deniedAs mentioned, Navy Federal employees are on power tripsYou also failed to mention this credit occurred during the second phone call Regards, [redacted]
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on January 2016, submitted by our member, [redacted] *** We have thoroughly reviewed [redacted] ***’s concernsOur records reflect that on January 2016, [redacted] ***’s [redacted] credit card was declined several times at [redacted] .com due to our system’s identification of these transactions as suspicious [redacted] ***’s card was then declined at [redacted] and [redacted] .com due to excessive declined transactionsOn the same date, our automated system telephoned [redacted] to verify the recent declined transactionsOur member confirmed that the transactions were valid Navy Federal strives to protect the safety and security of our members’ accounts while providing convenient and efficient service to our members at all timesOur Credit Card Fraud Prevention group is continuously working to find ways to minimize any negative impact to our membership, and we regret any frustration [redacted] experienced in this instance Questions regarding this matter may be addressed to Eric M***, Supervisor, Card Fraud Prevention, at ###-###-####, extension ***, between the hours of 7:a.mand 5:p.m., Central time, Monday through Friday
I am not having difficulty making the paymentsThis is not my argumentI am concerned about the inability to pay down this account because of this daily interest amounts when I have not used this card in a monthsIt seems almost impossible to bring the balance down, whether I pay the amount due or any additional amounts in an attempt to pay this account offWhat is the solution to paying this account off as it stands without paying the entire balance at once? I have other credit cards and I see my balance owed decrease every time I make a paymentHowever, with this account with Navy Federal the payoff seems inevitableSomething must be done!!!!! I am a loyal customer with Navy FederalMy mortgage and home loan is with this financial institutionHow do you account for the fact that I have not used this card in months, yet the balance is barely decreasing even though the payments are always paid on or before the due date? On some occasions I have paid more than the amount due on the account
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] Navy Federal has thoroughly reviewed our member’s concerns We have confirmed that the loans and credit card accounts issued in Mrs***’s name are valid debts Each account balance was subsequently charged to our reserves due to non-payment, resulting in a loss to the credit union membership A consolidation loan was granted to her on August 2008; the balance was deemed a loss on March A Checking Line of Credit (CLOC) was opened on April 2007; when the account became past due, the outstanding balance was refinanced as a consumer loan When the refinanced loan fell past due, the balance was also declared a loss on March The Visa account, established for Mrs [redacted] in May 2008, and the [redacted] account, opened in July 2008, became delinquent and the outstanding balances were also declared to be losses The trade lines for Mrs***’s credit report have been reviewed and are correct Therefore, no adjustment will be made We report fair and accurate data to all the major credit reporting agencies and cannot remove any accurately reported information from a credit report If she would like to make payment arrangements on her outstanding balances, Mrs [redacted] may contact our Collections Department at ###-###-####
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on January 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 Our records indicate that on October 2015, [redacted] and his wife, [redacted] , applied for a year VA loan to refinance their existing mortgage After reviewing our member’s application and credit bureau report, additional information and documentation was necessary On December 2015, Navy Federal was informed by our member that [redacted] left her job as a dental assistant that she had listed on their application [redacted] took a job at a builders supply company through a temporary staffing agency on October 2015, working in an entirely different line of work [redacted] ’s new job had a day probationary period, and she was not eligible for a permanent position with the new employer until February We informed our member that a permanent employment status is required in order to include [redacted] ’s employment and income on the loan application Consequently, [redacted] ’s employment and income could no longer be included, and **and [redacted] no longer qualified for a year VA loan at 3.00% Navy Federal was able to provide alternative loan terms to our member, and our member agreed to change from a year VA loan at 3.00% to a year VA loan at the market rate of 3.625% Navy Federal subsequently agreed to reduce the interest rate to 3.50% [redacted] and [redacted] remained on the loan application, and both signed the closing documents on January Regarding the allegations of discrimination, Navy Federal does not discriminate in any manner, and did not discriminate against **and [redacted] on any occasion Additionally, Navy Federal has remained in contact with our member throughout the processing of their loan On January 2016, our representative attempted to contact our member by telephone, but he was only able to leave a voice message On the same date, we received correspondence from our member stating he did not want to be contacted Navy Federal has honored his request and no further attempts to contact him have been made
The following references the complaint we received on April from the Revdex.com on behalf of Navy Federal member [redacted] , also known as [redacted] ***.? The complaint was assigned an ID number of [redacted] ? We have thoroughly researched our member’s concerns.? Our records indicate that Ms [redacted] ’ credit card account ending in [redacted] had an outstanding balance, which was charged to our reserves on July due to non-payment.? Her consolidation loan had an outstanding balance which was charged to our reserves due to non-payment.? Ms [redacted] ’ accounts were in a charge-off status before she filed for Chapter bankruptcy protection; therefore, that status will remain on her credit report in addition to the bankruptcy status ? We have verified that Ms [redacted] ’ accounts are reported correctly with the four major credit reporting agencies; therefore, no adjustment is required.? We report accurate data and cannot remove any accurately reported information? If Ms [redacted] would like to discuss this matter further, she may contact us anytime at [redacted] Tell us why here
The following references the complaint we received on 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 our member’s concerns.? According to our records, [redacted] has liquidated the balance of his charged-off credit card account.? A request has been submitted to the four nationwide credit reporting agencies to reflect that the balance of the credit card account was paid as of June 2017.? Please note that it may take up to days for the changes to be reflected on our member’s credit file? Should [redacted] have any questions, he may contact MrB***, Counselor, Recoveries Branch, at ###-###-####, between the hours of 8:a.mand 6:p.m., Eastern time, weekdays
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
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] Navy Federal has thoroughly reviewed our member’s concernsAhmund Y***, Supervisor, Collections, attempted to reach [redacted] on January 2016; however, he was only successful in leaving a messageWhen a loan becomes past due, in accordance with the loan’s account terms, Navy Federal can transfer available funds in the member’s savings and/or checking accounts to the delinquent obligationWe have temporarily suspended the delinquent account transfers to allow us to work with [redacted] to come to an equitable solution to her financial difficultiesIn addition, we have refunded a total of $in correctly assessed returned item fees to her checking account and have reversed a delinquent account transfer of $to her savings accountThe $fees that [redacted] mentioned were late payment fees assessed when a loan is overdue by ten daysThe fee is assessed on the tenth day the loan is past due; the notation on the member’s statement of “INCR BAL ADJ” appears when the fee has been rolled into the loan balanceThese fees are not related to delinquent account transfersWe encourage [redacted] to call our Personal Finance Management Branch at ###-###-#### between 8:a.mand 11:p.m., Eastern time, weekdays or between 9:a.mand 5:p.m., Saturday and Sunday
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 thoroughly researched our member’s concerns.? On August 2017, [redacted] contacted us and requested to close his [redacted] Signature GO REWARDS credit card account.? The account is closed with a zero balance.? ? We have submitted a request to the four nationwide credit reporting agencies to report the account as paid off and closed at the member’s request and requested the necessary adjustments be made to his credit report.? Please note that it may take up to days for the updates to reflect in [redacted] ***’s credit file? If [redacted] has additional questions, he may contact our Thi T*, Business Operations Specialist, at ###-###-####, extension ***, between the hours of 8:a.mand 4:p.m., Eastern time, weekdays
The following is in response to the complaint we received on September from the Revdex.com on behalf of [redacted] ** *** The complaint was assigned an IDnumber of [redacted] We have investigated our member’s concerns and determined that adjustments to the information we provided to the credit bureaus were warranted Therefore, we have requested that [redacted] , [redacted] , [redacted] and [redacted] delete loan number [redacted] from our member’s credit bureau report The credit bureaus may take up to days to make corrections to their recordsFollquestions should be directed to Kathryn B***, Supervisor, Consumer Loan Servicing, by calling ###-###-#### 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 July, submitted by our member [redacted] *** We have thoroughly researched the concerns presented in our member’s complaintNavy Federal prides itself on quality member service and we appreciate feedback when this has not occurredIt concerns us that there was difficulty locating [redacted] ***’s faxed documentation and we regret any breakdown in communication between us and our memberWe are researching this situation to determine the nature of the error so that it can be addressed and avoided in the future Through our review of this matter, we determined that Navy Federal acted appropriately with the initial restriction of [redacted] ***’s accountsOnce [redacted] ***’s documentation was received and reviewed, his Checking Line of Credit was unfrozen and is currently available for useOn July, Robin L**, Assistant Manager, Consumer Lending Portfolio, attempted to contact [redacted] regarding his concerns, but was only able to leave a voicemail [redacted] ***’s Navy Federal [redacted] Signature [redacted] credit card account has been reinstatedHe may continue use of the current card in his possession We sincerely regret any frustration and inconvenience that [redacted] may have encountered during his attempts to resolve this matterIf [redacted] has any questions, he may contact MsL**, at ###-###-####, extension ***, between the hours of 7:a.mto 4:p.m., Eastern time, Monday through Friday
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.? Through our review of [redacted] ’s credit report with the four major credit reporting agencies, we have verified that her Navy Federal accounts are reporting correctly; three Navy Federal consumer loans and two Navy Federal credit card accounts are reporting as charged off accounts that were sold to [redacted] in 2012.? ? Navy Federal is required to report fair and accurate data to the major credit reporting agencies.? If [redacted] feels that her Navy Federal tradelines are not reported correctly, she may send us a detailed letter with any supporting documentation by fax to Credit Dispute Department at###-###-####, or by mail to PO Box ***, Merrifield, Virginia ***.? ? Should [redacted] have any questions, she may contact us at 1-888-842-NFCU (6328), hours a day, days a week.?
The following references the complaint we received on August from the Revdex.com (Revdex.com) on behalf of Navy Federal member [redacted] *** The complaint was assigned an ID number of [redacted] .Navy Federal has reviewed the concerns presented by [redacted] Our records indicate that in May 2014, she submitted questions regarding Payment Protection Plan (PPP) benefits for a loan she had previously enrolled in the plan Her concerns were addressed on June in our responses to the Revdex.com and the Consumer Finance Protection Bureau On June 2015, we received [redacted] ***’s request to rescind the Cease and Desist order which had been placed on her account previously Since the letter stated that she should “only be contacted regarding the consolidation process, and no other forms of contact are [to be] initiated ,” we used her letter to process her request for a consolidation loan, and honored her request to retain the Cease and Desist for all other purposes If our member wishes to have the Cease and Desist request removed, she may fax her signed letter asking to reinstate communications to ###-###-####.Although [redacted] was issued a consolidation loan on June comprising her personal expense loans and her [redacted] account balances, finance charges in the amount of $were refunded to the credit card account on July, in connection with a 0% Annual Percentage Rate promotion in effect at the time of the account’s opening The resulting credit balance was placed in her savings account on July A late payment fee of $was charged to [redacted] ***’s [redacted] account on June because her May payment, due on May, was not received until her consolidation loan liquidated the credit card balance on June.When [redacted] requested the consolidation loan, one of her personal expense loans, held under account number [redacted] , was past due Therefore, the delinquency was correctly reported to the four consumer reporting agencies, [redacted] , [redacted] , Experian and Innovis Should our member want to pursue this issue, she may contact the agencies directly or she may contactNavy Federal She will need to provide us with a copy of the report showing her Navy Federal account, provided it is from one of the four credit bureaus to which we report This information can be faxed to ###-###-#### or forwarded to Navy Federal Credit Union, P.OBox 3700, Merrifield, Virginia 22119-3700.A review of [redacted] ***’s accounts has revealed that the Certificate of Title to her [redacted] was forwarded to [redacted] on September Regarding the addition of PPP coverage to one of her loans in 2014, we have a signed applicationon file from [redacted] for such coverage on her personal expense loan account number [redacted] A copy of the application, dated March 2014, is attached.Should [redacted] have additional concerns, she may call Victoria Stacey, Supervisor, Personal Finance Management, at ###-###-#### between 8:a.mand 4:p.m., Central time, weekdays
The following references the complaint we received on December from the Revdex.com on behalf of Navy Federal member [redacted] * [redacted] The complaint was assigned an ID number of [redacted] Navy Federal has thoroughly reviewed our member’s concern The bill pay in question was set up on February 2016, and a request to have a recurring payment created for this biller was completed on October After a thorough investigation, Navy Federal does not find this transaction to be unauthorized If Mrs [redacted] has further questions, she may contact us at ###-###-####; our representatives are available hours a day, seven days a week
The following references the complaint we received on August from the Revdex.com on behalf of Navy Federal member Valerie Woody.? The complaint was assigned an ID number of [redacted] ? We have conducted a thorough review of [redacted] ***’s concern regarding her GO Prepaid Card.? Due to suspicious activity on [redacted] ***’s account, her GO Prepaid Card was closed; however, the replacement card requested by our member was never ordered.? When [redacted] called Navy Federal to inquire as to the whereabouts of the replacement card, a new one was ordered and sent, but subsequently cancelled inadvertently.? [redacted] was contacted by Ryan S***, Supervisor, Debit Card Services, on August 2016, who discussed the suspicious activity on her GO Prepaid Card and the credit that had been made to that cardIn addition, our member was offered a $Loyalty card as a goodwill gesture.? The Loyalty card was mailed to our member on August.? [redacted] was satisfied with this resolution to her concern Tell 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 Regards, [redacted] ***
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 deniedOur 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 situationNavy 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
[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] ***
? Complaint: [redacted] I am rejecting this response because:The information that was sent by Navy federal is fully incorrectAs my husband explained in the letter that we wrote to Navy Federal, my husband is currently deployed his number which is ###-###-#### is currently turned off because he's deployed to another country for the next year and does not have access to a land lineWe left the number ###-###-#### as the proper contact number to be calledI received a missed call from a Navy federal number last week while at work that was a one way phone number and had no way to leave a voicemail when I called them backShe never left me a voicemailBecause I tried to call her back and it stated that the the number was a one way number and could not be connectSo in fact she tried to call me, left no phone numberShe states in the message to you that the account is no longer being reported on my husband's credit reportWe just recently I've submitted an application for a home loan where are the account in question is being reported as uncollected on all three credit bureausSo this isn't in fact information that they are giving youWe just apply for the home loan in February My husband has been trying to reach out to Navy federal to get a letter showing that this debt for the one specific account that is in question is lot no longer owedAnd we have still to this day have not received anything from Navy federal stating that the one that is no longer owed.? Regards, [redacted] ***
[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: [redacted] requested a supervisor and [redacted] was deniedAs mentioned, Navy Federal employees are on power tripsYou also failed to mention this credit occurred during the second phone call Regards, [redacted]
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on January 2016, submitted by our member, [redacted] *** We have thoroughly reviewed [redacted] ***’s concernsOur records reflect that on January 2016, [redacted] ***’s [redacted] credit card was declined several times at [redacted] .com due to our system’s identification of these transactions as suspicious [redacted] ***’s card was then declined at [redacted] and [redacted] .com due to excessive declined transactionsOn the same date, our automated system telephoned [redacted] to verify the recent declined transactionsOur member confirmed that the transactions were valid Navy Federal strives to protect the safety and security of our members’ accounts while providing convenient and efficient service to our members at all timesOur Credit Card Fraud Prevention group is continuously working to find ways to minimize any negative impact to our membership, and we regret any frustration [redacted] experienced in this instance Questions regarding this matter may be addressed to Eric M***, Supervisor, Card Fraud Prevention, at ###-###-####, extension ***, between the hours of 7:a.mand 5:p.m., Central time, Monday through Friday
I am not having difficulty making the paymentsThis is not my argumentI am concerned about the inability to pay down this account because of this daily interest amounts when I have not used this card in a monthsIt seems almost impossible to bring the balance down, whether I pay the amount due or any additional amounts in an attempt to pay this account offWhat is the solution to paying this account off as it stands without paying the entire balance at once? I have other credit cards and I see my balance owed decrease every time I make a paymentHowever, with this account with Navy Federal the payoff seems inevitableSomething must be done!!!!! I am a loyal customer with Navy FederalMy mortgage and home loan is with this financial institutionHow do you account for the fact that I have not used this card in months, yet the balance is barely decreasing even though the payments are always paid on or before the due date? On some occasions I have paid more than the amount due on the account
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] Navy Federal has thoroughly reviewed our member’s concerns We have confirmed that the loans and credit card accounts issued in Mrs***’s name are valid debts Each account balance was subsequently charged to our reserves due to non-payment, resulting in a loss to the credit union membership A consolidation loan was granted to her on August 2008; the balance was deemed a loss on March A Checking Line of Credit (CLOC) was opened on April 2007; when the account became past due, the outstanding balance was refinanced as a consumer loan When the refinanced loan fell past due, the balance was also declared a loss on March The Visa account, established for Mrs [redacted] in May 2008, and the [redacted] account, opened in July 2008, became delinquent and the outstanding balances were also declared to be losses The trade lines for Mrs***’s credit report have been reviewed and are correct Therefore, no adjustment will be made We report fair and accurate data to all the major credit reporting agencies and cannot remove any accurately reported information from a credit report If she would like to make payment arrangements on her outstanding balances, Mrs [redacted] may contact our Collections Department at ###-###-####
This is in reference to complaint ID number [redacted] , which was received by Navy Federal on January 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 Our records indicate that on October 2015, [redacted] and his wife, [redacted] , applied for a year VA loan to refinance their existing mortgage After reviewing our member’s application and credit bureau report, additional information and documentation was necessary On December 2015, Navy Federal was informed by our member that [redacted] left her job as a dental assistant that she had listed on their application [redacted] took a job at a builders supply company through a temporary staffing agency on October 2015, working in an entirely different line of work [redacted] ’s new job had a day probationary period, and she was not eligible for a permanent position with the new employer until February We informed our member that a permanent employment status is required in order to include [redacted] ’s employment and income on the loan application Consequently, [redacted] ’s employment and income could no longer be included, and **and [redacted] no longer qualified for a year VA loan at 3.00% Navy Federal was able to provide alternative loan terms to our member, and our member agreed to change from a year VA loan at 3.00% to a year VA loan at the market rate of 3.625% Navy Federal subsequently agreed to reduce the interest rate to 3.50% [redacted] and [redacted] remained on the loan application, and both signed the closing documents on January Regarding the allegations of discrimination, Navy Federal does not discriminate in any manner, and did not discriminate against **and [redacted] on any occasion Additionally, Navy Federal has remained in contact with our member throughout the processing of their loan On January 2016, our representative attempted to contact our member by telephone, but he was only able to leave a voice message On the same date, we received correspondence from our member stating he did not want to be contacted Navy Federal has honored his request and no further attempts to contact him have been made
The following references the complaint we received on April from the Revdex.com on behalf of Navy Federal member [redacted] , also known as [redacted] ***.? The complaint was assigned an ID number of [redacted] ? We have thoroughly researched our member’s concerns.? Our records indicate that Ms [redacted] ’ credit card account ending in [redacted] had an outstanding balance, which was charged to our reserves on July due to non-payment.? Her consolidation loan had an outstanding balance which was charged to our reserves due to non-payment.? Ms [redacted] ’ accounts were in a charge-off status before she filed for Chapter bankruptcy protection; therefore, that status will remain on her credit report in addition to the bankruptcy status ? We have verified that Ms [redacted] ’ accounts are reported correctly with the four major credit reporting agencies; therefore, no adjustment is required.? We report accurate data and cannot remove any accurately reported information? If Ms [redacted] would like to discuss this matter further, she may contact us anytime at [redacted] Tell us why here
The following references the complaint we received on 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 our member’s concerns.? According to our records, [redacted] has liquidated the balance of his charged-off credit card account.? A request has been submitted to the four nationwide credit reporting agencies to reflect that the balance of the credit card account was paid as of June 2017.? Please note that it may take up to days for the changes to be reflected on our member’s credit file? Should [redacted] have any questions, he may contact MrB***, Counselor, Recoveries Branch, at ###-###-####, between the hours of 8:a.mand 6:p.m., Eastern time, weekdays
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
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] Navy Federal has thoroughly reviewed our member’s concernsAhmund Y***, Supervisor, Collections, attempted to reach [redacted] on January 2016; however, he was only successful in leaving a messageWhen a loan becomes past due, in accordance with the loan’s account terms, Navy Federal can transfer available funds in the member’s savings and/or checking accounts to the delinquent obligationWe have temporarily suspended the delinquent account transfers to allow us to work with [redacted] to come to an equitable solution to her financial difficultiesIn addition, we have refunded a total of $in correctly assessed returned item fees to her checking account and have reversed a delinquent account transfer of $to her savings accountThe $fees that [redacted] mentioned were late payment fees assessed when a loan is overdue by ten daysThe fee is assessed on the tenth day the loan is past due; the notation on the member’s statement of “INCR BAL ADJ” appears when the fee has been rolled into the loan balanceThese fees are not related to delinquent account transfersWe encourage [redacted] to call our Personal Finance Management Branch at ###-###-#### between 8:a.mand 11:p.m., Eastern time, weekdays or between 9:a.mand 5:p.m., Saturday and Sunday
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 thoroughly researched our member’s concerns.? On August 2017, [redacted] contacted us and requested to close his [redacted] Signature GO REWARDS credit card account.? The account is closed with a zero balance.? ? We have submitted a request to the four nationwide credit reporting agencies to report the account as paid off and closed at the member’s request and requested the necessary adjustments be made to his credit report.? Please note that it may take up to days for the updates to reflect in [redacted] ***’s credit file? If [redacted] has additional questions, he may contact our Thi T*, Business Operations Specialist, at ###-###-####, extension ***, between the hours of 8:a.mand 4:p.m., Eastern time, weekdays