Consumer complaint received 2024-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Approximately XX/XX/XXXX, I was given a payment plan by the supervisor of the auto loan department to become in good standings with my delinquent loan. The loan was delinquent due to water being put into my car by XXXX after speaking with navy federal about buying my car without my permission. XXXX XXXX navy federal to ask to purchase my vehicle and navy federal agreed without my permission. My vehicle sat at the XXXX dealership with them telling me that my vehicle didnt belong to me but belonged to navy federal. This was the first attempt to steal my vehicle by XXXX and navy federal. Navy federal was paid by me to have GAP insurance placed on my vehicle which I was told that the GAP did not cover the mysterious water damage that they claimed caused my vehicle to not work WHEN IT STATES THAT THE VEHICLE SHOULD BE COVERED DUE TO NATURAL DISASTERS. Navy Federal claimed my car was a total loss along with XXXX. I then had to continue to pay my auto loan. My taxes were deposited into my account but taken without my permission in full and placed on my auto loan by navy federal. I called and asked for my money back so that I may fix my vehicle and for them to only take the money agreed to pay the payment plan but nothing was resolved. I was yelled at by the same supervisor and told that she would now send my delinquency to collections and I was then locked out of my navy federal checking account and left with a savings only. Till this day I have no access to the account and have no checking account. My vehicle was then towed from XXXX to my home by me after paying a {$250.00} fee only to XXXX after it sat there for months accumulating a storage fee of {$32000.00}. My vehicle was then taken from my home by navy federal in XX/XX/XXXX, no repossession notice was given in any form so I thought that it was stolen. XXXX XXXX Police could not locate the vehicle. Recently XX/XX/XXXX, I was contacted by New Jersey police department stating that my vehicle was in the impound for illegal parking and for me to come pick it up. Seeing that my vehicle was repossessed and totaled I am unsure how ended up in New Jersey drive-able. I responded to the notice letting New Jersey PD know that the vehicle was no longer in my possession and navy federal has closed the loan and charges me still even though it is in collections. The officer stated that the vehicle was still registered to me and that I was responsible for it. I called navy federal to confirm repossession and that it was not stolen and they confirmed that they had indeed repossessed the vehicle. I asked if I was able to open my loan and continue with my vehicle since it remained registered to me, it was found and that it was now drive-able. I was told no and that I had to pay the impound fees or be charged with vehicle abandonment and that I was not able to get any new loans nor open back up any payments on that vehicle nor was I able to gain ownership of the vehicle even though its registered to me still. I am requesting that I am awarded the tax money that was taken from my account and my vehicle since it is still registered to me after being repossessed by navy federal. Thank you in advance.

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