Consumer complaint received 2018-11-04
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
NFCU Collections Department was contacted about past and current collections practices reporting my credit in error. Dating back to XXXX Collections and NFCU sold me GAP Insurance Product in the initial contract of my XXXX XXXX XXXX which was totaled XX/XX/XXXX I used the GAP Insurance to pay off my loan with NFCU. I was mislead to purchase deceptively by representative of NFCU telling me I would be able to replace my truck at the time approval of my truck/loans with no other requirements attached. NFCU received their money paying off my totaled truck then deceived me telling me until I passed a credit  check and if my loan wasn't delinquent I'd be approved. I wasnt told that when GAP was being sold as extra layer of insurance - while insured I'd be happy with the followings of buying it. Then realized that I wasn't being treated as. Member or Veteran but being lied to causing Hard ship on me. Collections Department Rep. misrepresented the consequences and abused his Authority by using my overdraft protection of XXXX to pay my loan while causing me financial hardship making my checking account negative. Denied access to my checking account and blocked accessed giving me access only if I paid my delinquent or overdrawn account.i wasnt offered another product of checking line of credit through my checking account. Although I have had my checking account since XXXX while deductions of fees were taken by NFCU. The NFCU was called about my injury in my job.My loan was consolidated while paying high interest fees, late fees to NFCU received the benefits yet again in XXXX. I didn't receive any funds to help my life but approved loan only increased my debt. I ask the collections department representative for help but they ignored me only helping himself sell another loan without any benefits to my financial situation. 
The NFCU representative told me I didn't purchase PMT PROTECTION PLAN PRIMARY LIFE DIS/IU after reporting my work related injuries on but I found a credit card statement proving otherwise that I was sold and purchased the XXXX   insurance PMT PROTECTION PLAN PRIMARY LIFE/ DIS/IU placing my account over the limit. The past due amount was one amount while asking the minimum payment another with XXXX limit. My account has been reported incorrect, with late fees attached, incorrect balance to the credit bureaus by NFCU. NFCU collected and monies from me I paid on my consolidation loan/credit card. Also in XXXX I had a balance of XXXX Reward Points on my Flagship Rewards Platinum credit card that NFCU that I never collected or was allowed to use but NFCU Violated my credit card rights and consumer rights by not honoring our contract to redeeming my rewards points on my credit card or debit card I use weekly for gas other purchases. 
I paid my bill within the 60 days and didnt received any compensation from NFCU even though I was threatened several times in letters from collections and telephone.

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