Consumer complaint received 2025-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This letter and the attached documents provide further information regarding the potential foreclosure of my home by Navy Federal Credit Union. I am outlining the key events and providing supporting documentation for your review. 

I initially applied for forbearance in XX/XX/XXXX due to wrongful termination from my position. NFCU 's handling of my application was problematic, with repeated requests for " missing '' documentation, even though I eventually provided everything they requested. My first forbearance was finally approved in XX/XX/XXXX and lasted until XX/XX/XXXX. 

Knowing my financial hardship would continue, on XX/XX/XXXX, I proactively submitted the *exact same* application package that they had previously deemed complete and approved in XXXX. This time, they again claimed missing documentation. This was particularly frustrating as I had simply re-dated the previously accepted documents. 

On XX/XX/XXXX, I submitted a completely new application package from scratch, comparing it side-by-side with the original, previously accepted package, and included a written list addressing their alleged missing items. I received no communication until XX/XX/XXXX, when they called twice in under XXXX minute at XXXX XXXX  ( on a Thursday ), leaving me only Friday to address any issues before my supposed " deadline '' of Sunday, XX/XX/XXXX. 

They then claimed my hardship letter was insufficient, stating it needed to be two separate letters. This requirement was never communicated to me either verbally or in writing during the initial application process or the subsequent attempts to renew/extend my forbearance. 

From Thursday to Monday, I was attending a conference focused on securing employment and business opportunities to overcome my financial hardship. Upon my return, I contacted Navy Federal and was informed that my home was in active foreclosure, with an auction date set for XX/XX/XXXX, at XXXX XXXX. 

On XX/XX/XXXX, I received the Notice of Trustee Sale under Deed of Trust dated XX/XX/XXXX. The record request which was made through XXXX indicates that the foreclosure process must have begun weeks prior, certainly before my forbearance renewal package was even properly reviewed. 

As we discussed, I believe NFCU 's actions raise serious concerns about potential bad faith and illegal foreclosure practices. Their inconsistent and ever-changing documentation requirements, coupled with the extremely short notice of the foreclosure sale, suggest they are not acting in good faith. I am particularly concerned that the foreclosure process was initiated prematurely and without proper consideration of my forbearance application. 

I have attached images that coincide with the information I have provided and can provide further documentation upon request. 

Thank you for taking the time to review this information. I look forward to discussing this matter further with you after you have had a chance to examine the documents.

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