Consumer complaint received 2024-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My complaint is about a car loan from a Navy Federal Credit Union. 

Here is my history. 

XXXX XXXX XXXX introduced himself to me as a car dealer with a dealer license who can purchase cars from the licensed dealer auction site. XXXX, as a car dealer, promised to work with me to get the car from the dealer 's auction. The car is intended to help my wife take our daughter to school and for some errands. 
Around XX/XX/XXXX, my son passed away and while I was dealing with the situation, XXXX XXXX came to my house to help me select a car from the dealership auction site he is a member of. After selecting the car, we provided the bank with XXXX 's information and the information about the car : XXXX XXXX XXXX XXXX : XXXX With this information provided, the bank agreed to issue the check for {$35000.00} to XXXX XXXX XXXX XXXX. After selecting the car on the website and sending all the car information to the bank, XXXX XXXX took the check, cashed it, or deposited it into his account with Navy Federal Credit Union. After that, he is supposed to provide me with the car and provide the bank with the necessary documents to complete the transaction. 
Unfortunately, the death of my son during this time prevented me from fully concentrating on the transaction. Since XXXX received the check, he has not informed me of the transaction. I was preoccupied with my son 's funeral. When I had the opportunity to contact him, he told me that his bank account was suspended and the money from the check was in the account, due to which he couldn't complete the transaction. I told him to do everything to return the money because it is a ( car ) loan from the bank, and if this is not done within 90 days the loan will turn into a personal/unsecured loan. Since I provided him with this information, I have not heard from him. I went to the bank to discuss the situation ; I was asked by the Bank manager to file a Declaration of Forgery/Fraud complaint. Before filing the complaint with the bank, I needed to have XXXX 's home address. I was able to contact him through another phone number ( XXXX ) that he provided me in the past. He gives me an address where he no longer lives. When I asked for his current address, he refused to provide it. That's how I realized I'd been " flem flam '' by him. 
After filing the complaint, I received a response from the bank a few days later stating that I am responsible for the loan and that the bank could not help me recover the money. I called and explained to XXXX the damage this could cause me. He told me that if the bank started making monthly payments, he would start making those payments on my behalf. It took me a while to realize that he was just coming back at me with scam tactics. After the bank posted the first monthly payment, I tried to contact XXXX in vain. I went to the address he gave me ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ), and the tenant of the house told me he had sold the house and no longer lived there. The second month for payment, nothing from him. Finally, when I was able to talk to him, he said he would help me and make the payment by credit card. 
I reported the matter to the local police, I was told to go to court. I went to the civil court to file the case. After the clerk heard my case, she told me to file a criminal complaint with the commissioner 's office. I went to the commissioner 's office and filed a criminal complaint. 
In the meantime, the bank continued to send me mail regarding the monthly payment, and now I received the note in the mail and my email stating that " my Annual Percentage Rate ( APR ) has increased. ". At this point, no authority or the Bank is helping to get this matter resolved.

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