Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: In XX/XX/XXXX, we contacted Navy Federal Credit Union to apply for a VA Mortgage Loan. The loan application was taken over the telephone with my husband, XXXX and myself on a speaker phone with the Navy Federal Credit Union employee. Everything went well. He said everything looked good, we should have an answer in 48 - 72 hours. We never heard anything. Four days went by, I called to find out who our loan officer was and get a phone number for our contact. I tried calling several times and there was no answer. No voicemail. Finally, she answered her phone and before I could say anything, she said " I can't talk right now, I am out of the office, I will call you later. '' and she hung up. She called the next day and stated that she could not read any of the documents that we had scanned and emailed. We would have to take them to a branch and have them scanned in. It would be 48-72 hours before she would be back in touch with us. I took the documents to the branch and had them scanned in and emailed to her. She called us the next evening and wanted to know who the veteran was. ( We had included a copy of the XXXX and XXXX from XXXX ). It was apparent that she had not looked over the file at all. We requested her supervisor call us. Several days passed and I called and requested that her supervisor call us. I sent several emails, requesting her supervisor call us. I finally called the mortgage division and demanded a new loan officer. We were then notified the home we had been interested in had received a number of offers and they had accepted one and had a back up. At this point we still had no answer on our loan approval. Three days later we received our letter of approval. We review our credit regularly and noted that Navy Federal Credit Union had two " hard '' inquires on our credit. These stay on our credit for two years and can deminish your credit. I contacted Navy Federal Credit Union and requested they correct the multiple credit inquires. The loan officer said it was because I was listed as the veteran initially. I told her that was not our problem since they had a copy of the XXXX, the XXXX from XXXX and at any time that could have been cleared up with communication. The supervisor, XXXX, refused to talked to me because my voice is " harsh '' and hurts her ears. Through the loan officers, I have been told XXXX has submitted this three times to be corrected since the first of XX/XX/XXXX. It is now XX/XX/XXXX and there is no correction reflected. I have spent hours on the phone with Navy Federal Credit Union. I have experienced exceptional service from every department EXCEPT the mortgage department. We have had two other mortgages with Navy Federal Credit Union and have never experienced such poor service. The behavior and lack of professionalism is shameful and certainly not what members of NFCU have come to expect or deserve. Hopefully, someone in the corporate offices will take note.

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