Consumer complaint received 2017-05-07
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On   XXXX   XXXX    2017 I  sent navy federal credit union a QWR " qualified written request '' for the following information, full, double sided, certified true and accurate copy of the original promissory note and security instrument and all assignments of the security instrument.       2. Full name, address and telephone number of the actual entity that funded the transaction.
3.   Pursuant to the  Truth In-Lending Act 131 ( f ) ( 2 ) and 15 U.S.C. 1641 ( f ) : Please provide the name, address and telephone number of the owner ( s ) of the mortgage and the master servicer of the mortgage.       4. Full name of Trust where the Note Number is trading, or has traded, and the identifying Series of Certificates. ( Note : If the note number is being traded in a   XXXX   XXXX   Trust or   XXXX   XXXX   Trust, please provide all information to identify the Trust ( i.e.   XXXX   XXXX   Pool Number,   XXXX  Number,  XXXX  or  XXXX   XXXX  Number and Trust Class/Tranche ).       5. Full name, address, and telephone number of the Trustee.
6  .  Full name, address, and telephone number of the Custodian of my original Promissory Note, including the name, address and telephone number of any trustee or other fiduciary. This request is being made pursuant to Section 1641 ( f ) ( 2 ) of the Truth In Lending Act.        7. The  MERS M ilestone Report, if the note number and security instrument was tracked by Mortgage  Electronic Registration Systems.  I want to see the audit trail of the alleged transfer in ownership and alleged transfer in security interest.
8. A complete audit history from alleged loan origination, showing the dates payments were applied, and to what internal accounts ( i.e. principal, interest, suspense, escrow, etc. ) payments were applied.
9. A complete and itemized statement of any and all fees and/or charges against this account.
10. A complete and itemized statement of the escrow for this account, if any, from the date of the note origination to the date of your response to this letter.
11. A complete and itemized statement from the date of the note origination to the date of your response to this letter of the amounts charged for any forced-placed insurance, the date of the charge, the name of the insurance company, the relation of the insurance company to you or a related company, the amount of commission you received for each force-placed insurance event, and an itemized statement of any other related expenses and any claims paid out thereto.
12. Complete and itemized statement of any and all fees incurred to modify, extend, or amend the loan or to defer any payment or payments due under the terms of the loan, from the date of the note origination to the date of your response to this letter.
13. Complete, itemized statement of the current amount needed to pay-off the alleged loan in full.
14. Verification of any notification provided to me of a change in servicer.        Now according to Subtitle E Mortgage Servicing of the Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ) Navy Federal Had 30 days to respond to my request for the information requested above and as of today    XXXX   XXXX    2017 I h ave n't gotten any response from them pertaining to my QWR I also Sent the information to there legal team of    XXXX   XXXX   XXXX   a nd still have n't received any information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation