Consumer complaint received 2025-02-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
There appears to be a XXXX statement ERROR and a MORTGAGE PAYMENT PROCESSING ERROR. NAVY FEDERAL CREDIT UNION appears to be changing terms of purported Mortgage contract and has not provide sworn statement, or confirmed debt with US Treasury. 

1. On XX/XX/XXXX, we made a .private.special.deposit.entrust. to Navy Federal Credit Union counter by NFCU check to NFCU account due on XX/XX/XXXX. The NFCU checking account had full funds available for immediate payment. 

2. The Payment Receipt XX/XX/XXXX XXXX am XXXX XXXX of XXXX  shows the amount paid {$1700.00} and {$36.00} to additional escrow for a full amount tendered {$1800.00} The XXXX indicates a .private.special.deposit.entrust. so as not to co-mingle funds. The XXXX indicates that the funds deposited are not abandoned and are expected to be returned entrust. 

3. The counter teller XXXX at Navy Federal Credit Union at Kentucky confirmed that the ONLY amount due was {$1700.00}. We asked if there was a {$50.00} fee shown. She said, No. The mortgage payment due is paid in full. Since we tendered the {$1700.00} as payment and settlement in full, and Navy Federal Credit Union accepted, the full amount due is paid in full. 

Which brings us to the next issue. The POSTING shows XX/XX/XXXX indicating that the transfer had not actually been made despite both accounts being with Navy Federal Credit Union. Navy Federal Credit Union immediately drafted the full amount from our Checking Account but did NOT immediately credit it to the mortgage, thereby indicating that we do not have a mortgage. We agree. We request a full refund of all amounts paid. 


Please see Page 2 of Attachment : At XXXX XXXX  on XX/XX/XXXX the unauthorized use of XXXX, as we do not consent to XXXX, XXXX shows no payment on XX/XX/XXXX, showing the payment is still Due on XX/XX/XXXX despite having been paid nearly 4 hours earlier. It shows last payment was made XX/XX/XXXX. However it does not show the payment made on XX/XX/XXXX. We also assert that there is no debt owed to Navy Federal Credit Union. 

Page 3 of Attachment shows that Navy Federal Credit Union outsourced its loan payments to XXXX in breach of any loan application XX/XX/XXXX, by the For your posted and pending transactions, please visit XXXX. This issue is that the XXXX  links takes the user to the image on Page 2 showing XXXX, not Navy Federal Credit Union. This constitutes and unfair and unauthorized modification of contract and breach of fiduciary trust. The Posted and pending transaction does not show on XXXX, the payment having already been made almost 4 hours earlier. Navy Federal Credit Union failed to show on XXXX that a payment was made or credited, thereby, having conversion of funds, holding funds in abeyance, but removing them from our account immediately. Page 3 shows that a payment is still due Make Payment {$1700.00}. However, the payment had already been made. 

Page 4 shows the XXXX XXXX XXXX showing an incorrect billing amount. It shows Amount Due {$1800.00} without explanation or justification of an Expense Fee {$50.00}. We do not consent to any fees. It appears that Navy Federal Credit Union is attempting to reengage in actions for which CFPB previously penalized them for {$98.00} XXXX about XX/XX/XXXX. 
We are claiming that NAVY FEDERAL CREDIT UNION is engaged in unfair fees and attempting to attach hidden fees, once again, despite the large penalties in XX/XX/XXXX. There were about XXXX complaints against Navy Federal Credit Union on the CFPB website. Navy Federal Credit Union paid out {>= $1,000,000}. To make the numbers easy, lets round the XXXX, XXXX to XXXX and divide the penalty among those injured. That would give {$9800.00} to each and every victim. Therefore, we request settlement of {$10000.00} if Navy Federal Pays us within 7 days. If payment is not received by day XXXX which is XX/XX/XXXX then the sum goes to {$30000.00}. 

On bottom of Page 4, the loan payment coupon states Make checks payable to XXXX XXXX XXXX. We agree that all of the funds should be paid to XXXX XXXX XXXX but Navy Federal Credit Union has not returned any funds to us. And has not given us any checks payable to XXXX XXXX XXXX. We request a return of all funds which should have been paid to XXXX XXXX XXXX On Page 5, Navy Federal Credit Union created an errant XXXX. Navy Federal Credit Union purports to claim a security interest in the property but failed to pay any of the taxes. Additionally Navy Federal Credit Union failed to pay us {$20000.00} per year for use of our signature to generate credits for which they are requesting that we the CREDITOR pay them the DEBTOR. We have here-to-fore received no payment from Navy Federal Credit Union for their use of our signature to generate credits. Seven years of {$20000.00} per year is no less than {$140000.00} which is now past due. Navy Federal Credit Union created an errant XXXX. 

The Lender information XXXX XXXX XXXX is not the Lender information on the purported Mortgage ; therefore, Navy Federal Credit Union is not being transparent in its lending practices and is changing the items on the purported mortgage contract without authorization or consent, therefore, such contract change appears to be a breach, settling the purported debt. 

The Payers/Borrowers information is incorrect. We are the CREDITOR. Navy Federal Credit Union borrowed our signature and has failed to compensate us, the CREDITOR. The location should be corrected to XXXX -see attached The software used by Navy Federal Credit Union replaces XXXX XXXX with XXXX  XXXX. 
We are not located aXXXX XXXX XXXX XXXX XXXX  is a military identifier of the STATE OF XXXX located in XXXX XXXX STATE OF XXXX  is a fictitious corporation in XXXX , XXXX  and is not the land of XXXX  commonwealth located south of the XXXX  XXXX, and XXXX of Virginia. 

Navy Federal Credit Union has used presumption to fail to disclose the true nature of the purported mortgage and lack there of. 

When we made our prior report to CFPB challenging the veracity of the purported mortgage, Navy Federal Credit Union was 1 ) unable to provide an audited and sworn notarized statement under penalty of perjury as to the veracity of the allegations made by Navy Federal Credit Union.

2 ) They failed to demonstrate Actual Cash Value ; and they failed to show the actual ledger, instead they showed some accounting numbers which were not under penalty of perjury to show that there was any unpaid mortgage debt.

3 ) Navy Federal Credit Union failed to show the source of the purported funds.

4 ) Navy Federal Credit Union failed to show the purported funds came from our signature which they have borrowed for over seven years without compensation.

5 ) Navy Federal Credit Union failed to show that XXXX is not located outside of XXXX XXXX.

6 ) and by their failure Navy Federal Credit Union has agreed with us that they violated the terms of any purported agreement concerning a purported mortgage.

7 ) We maintain that the US Treasury has no record of our having a debt to Navy Federal Credit Union, despite the documents which Navy Federal Credit Union purports to be proof of a mortgage/debt.

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