Consumer complaint received 2019-08-20
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Navy Federal Credit UnionAttn: Credit DisputeXXXX XXXX, VA XXXXXXXX XXXXRef: 	Account #XXXX                Account #XXXXDear Sir or Madam:I have an active mortgage loan with Navy Federal Credit Union and an associated equity loan that has been paid off, in full.  The house was marital property and when I got divorced, in XX/XX/XXXX, was awarded to my ex-wife, by the judge, along with all legal and financial responsibilities for the property and corresponding debt.  She failed to honor these obligations, forcing me to resume paying all the debt in XX/XX/XXXX.  I maintained the loans in good standing for the next six years until, in XX/XX/XXXX, I was no longer able to do so, even though the debt was not my responsibility by court order.  In XX/XX/XXXX, Navy Federal charged off the balance of the equity loan.  In XX/XX/XXXX, I was able to secure the assistance of an investor, who paid off the entire balance of the equity loan and brought current the primary mortgage, including all legal fees relating to the impending foreclosure.  The loan status remains current, paying on time.With Letter mailed XX/XX/XXXX, which I have attached as supporting documentation, I requested Navy Federal Credit Union provide me with a letter which updates my accounts as referenced above and requesting they update the 3 credit bureaus XXXX, XXXX  & XXXX XXXX. Currently, the credit report is showing incorrect and out of date information, which is in violation of the FACTA regulations.  The attached letter shows what is on my current credit report from all three bureaus, regarding the accounts.  I had to take my ex-wife back to court several times to finally gain control back of the property, and as is evident from my credit reports, you can see I have a long excellent payment/credit history with Navy Federal Credit Union, and all other creditors.  I am currently honoring my obligation with respect to this property, since the court determined she has been in violation of the court order and original agreement since day one. Now that I have custody, care and control over the property, I took corrective action to bring it out of disrepair and am selling the property.I am also enclosing a copy of the Separation Agreement/Property Settlement/Divorce Decree to aid you in documentation for the remedy of this situation and a copy of the Navy Federal Credit Union Response letter, which I disagree with and was vague to say the least, as it did not address varying information reported on the same accounts.As a point of historical note, the relationship with Navy Federal, and specifically regarding this mortgage, has been toxic at best.  In XX/XX/XXXX, the XXXX  branch mortgage loan department allowed my ex-wife to apply to refinance the property, in my name, with an expired power of attorney and without my knowledge.  I have the denial letter on file would be beneficial.  In the late summer of XX/XX/XXXX, when my state income tax return was accidentally direct deposited into my Navy Federal checking account, the mortgage payment, which was 23 days late, was automatically debited from my account, without my consent or knowledge.  There have been numerous attempts by credit union employees to undermine my financial stability by trying to use “credit union policy” to ensure I was unable to meet their demands, leading to a narrowly avoided foreclosure.I am a XXXX XXXX XXXX veteran and take my credit very seriously. I feel that Navy Federal Credit Union does not and has no consideration for me or my family in the matter, whatsoever.Thank you for your time in this matter. Sincerely,XXXX XXXX XXXX XXXX

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