Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
XXXX XXXX XXXX What happened? 

Navy Federal Credit Union ( NFCU ) perpetrated a systematic scheme of fraud and regulatory violations during my first home purchase ( Loan # XXXX ). Facing homelessness due to my expiring lease, I was subjected to a pressure-cooker scheme to manipulate my loan terms. 

XXXX XXXX 1. The Initial Fraud ( XX/XX/year>XXXX  ) : XXXX XXXX  NFCU issued a Closing Disclosure ( CD ) with a * * {$3500.00} mathematical error * *. My {$9400.00} seller credit was listed, but only {$5800.00} was applied, making {$3500.00} vanish. This was not a mistake ; it was the setup for the fraud. 

XXXX XXXX  2. The Pressure Cooker ( XX/XX/year>XXXX  ) : XXXX XXXX When I caught the error, NFCU manufactured a false " excess credit '' crisis. On Friday afternoon before a holiday weekend, they gave me a false choice : accept an unwanted rate buy-down or forfeit the {$3500.00}. My request to apply the funds to escrow was falsely denied by Supervisor XXXX XXXX, who stated it was " not an option available to us. '' Under duress, I reluctantly agreed at XXXXXXXX XXXX 

XXXX XXXX  3. Unauthorized Modification & Rescission Ignored : XXXX XXXX Evidence shows NFCU was already modifying my loan documents at XXXX XXXX XXXX XXXX XXXX XXXX, over an hour BEFORE my coerced " agreement. '' This was a premeditated, unauthorized modification. I realized the deception and sent an urgent rescission email at XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX minutes later ). NFCU ignored my rescission and locked my online portal for the entire weekend. 

XXXX XXXX 4. Same-Day Closing Violation ( XX/XX/year>XXXX  ) : XXXX XXXX After I threatened to file a CFPB complaint, NFCU reversed the rate buy-down. But they then issued a revised CD and forced me to close * * on the same day * *. This is a flagrant violation of the mandatory 3-day waiting period under TRID ( 12 CFR 1026.19 ( f ) ( 2 ) ( ii ) ). This was done to prevent me from discovering the new manipulations buried in the revised CD. 

XXXX XXXX 5. The Cover-Up ( XX/XX/year>XXXX  ) : * * Nearly a month after closing, NFCU issued XXXX XXXX XXXX XXXX XXXX XXXX XXXX with no material changes and no legal justification. This was a clear attempt to create a " clean '' final record and cover up their violations. This post-closing CD also proved the " same-day closing '' was a lie, as it showed the loan did not actually disburse until XX/XX/year>. 

XXXX XXXX  Summary of Harm : XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX  I was overcharged for title insurance, had my seller credit reduced, and was forced into a loan with a manipulated escrow that will cost me XXXX XXXX {$30000.00} XXXX XXXX extra over 30 years. I lost the opportunity to reduce my principal, costing me XXXX XXXX {$8900.00} XXXX XXXX in additional interest. 
- XXXX XXXX XXXX XXXX XXXX XXXX  The stress of fighting this fraud while facing homelessness contributed to the end of my relationship. This was my first home purchase, and NFCU turned it into a nightmare. 

This was not negligence ; it was a calculated scheme of deception and willful violation of federal law. I have meticulously documented over 16 distinct violations of TRID, RESPA, and the Washington Consumer Protection Act.

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