NAVY FEDERAL CREDIT UNION – CFPB Complaint 2018-08-17

Date Received: 2018-08-17

Product: Credit card debt

Issue: Communication tactics

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: : According to the guidelines set forth in the CFPB investigations & actions against NFCU, I am unquestionably one of the members due compensation in redress as one of the victims of unfair/Illegal/Unethical restrictions on Account Access. Instead of being personally contacted per CFPB mandate I had to inquire personally to NFCU, going so far as to voluntarily read & address issues affecting me. On XX/XX/XXXX I spoke with 2 agents a ” XXXX ” & her Supervisor ” XXXX ” – who literally said they had no knowledge of CFPB actions to compensate the myriad of victims of these tactics for which NFCU was fined upwards of XXXX XXXX dollars. After hours of conversation & correspondence, Both agents, most importantly the Supervisor XXXX with whom pulled up the CFPB website that I alerted him to, & wholeheartedly agreed that I was indeed eligible for compensation in accordance with the required actions, and guided me to call immediately the following morning, when said department was open. On XX/XX/XXXX, I indeed followed XXXX ‘s recommendations, to speak with the Collections department, so they initiate correct of the situation so that he may contact the Claims department in order to receive compensation for NFCU ‘s actions towards me & so that he could then reverse the adverse affects – as he was unable to do so in the wee hours in which he & I spoke, & assured after speaking with both the Credit Card & Collections department so that he could correct the violations perpetrated on my account, thereafter I could contact the Claims department for the compensation and redress as I was due those reversals – particular the unauthorized removal of ALL the funds in my NFCU Account, and the unfreezing of my current, up to date accounts.

See also  AES/PHEAA - CFPB Complaint ID 2484329

As previously mentioned when I did as suggested at the behest of the NFCU agent, the CFPB & the advice of my attorney, I reached a rude, insolent, unprofessional Collections Supervisor who refused to give me her name or operator ID. She refused to listen to my situation. She refused to acknowledge the CFPB investigations & subsequent recompense. She refused to even acknowledge the directives of the her colleagues who directed me to her after debriefing her of the situation. On the contrary – instead this supposed supervisor refused to acknowledge or comply with the federal CFPB actions set forth against NFCU for improper debt collection activities & general inquiries dealing directly with the federally mandated rulings, requirements, grievances, & actions set forth by the CFPB for these actions & the utter mistreatment of NFCU ‘s members. On the contrary, this unnamed Supervisor continue to blatantly refuse the comply with the actions taken by the CFPB for improper debt collection practices. Instead said supervisor took 15 seconds to tell me there was absolutely no way she would correction the mistakes – as is her duty – told me there was no way XXXX would be reversing/correcting the violations. Subsequently she told me there was ” no way ” and unbelievably, this supposed ” professional ” abruptly hung up on me & refused any correspondence with me thereafter.

It is important to note, I have never missed a payment in the many years since I became a Navy Federal member. I was not contacted by any NFCU member as was the requirements for victims in accordance with CFPB ruling. She refused as well, to acknowledge both agents who put me through to this utterly inept Collections supervisor on XX/XX/XXXX, specifically ” XXXX ” at XXXX XXXX, ” XXXX ” at XXXX XXXX & ” XXXX ” at XXXX XXXX. Each of these 3 agents were professional, capable, informed, and congenial. The unnamed supervisor was absolutely, mind-bogglingly incapable & unacceptable in her behavior. Were she an employee of mine, she would have been FIRED ON THE SPOT. PERIOD.

See also  I.Q. DATA INTERNATIONAL, INC. - CFPB Complaint ID 2950209

Company: NAVY FEDERAL CREDIT UNION

State/Zip: FL 320XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2994651

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.