Consumer complaint received 2024-08-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Id like to file a formal complaint into NFCUs illegally accessing my bank, XXXX and illegally taking money out of my accounts without my permission and engaging in unfair lending and dept collection practices NOW and in the Past, as this is retaliation for reporting NFCU for discrimination and unfair lending practices and dept collection with my HELO application from XX/XX/year>. 

Recently, on XX/XX/year>, I was contacted by NFCU claiming that my HELO had not been paid since XX/XX/year>, and stated on a recorded line that I was over {$1000.00} dollars in arears. I manually pay my HELO monthly out of my XXXX account and I have faithfully paid all NFCU bills that were sent to me. 

I do not trust NFCU to access my accounts, as I was discriminated against by XXXX when applying for this HELO and subjected to unfair lending and dept collection practices when NFCU tried to force me to sign loan documents without disclosing the terms of that agreement because they had added 3-interest points as I was a single female and didnt have a man as a co-signer or a man on my propertys title. 

When I tried on XX/XX/year> to access my accounts online, NFCU had locked me out of all my accounts. After 2 hours on the phone, I gained access to my account, only to learn that they had denied my XX/XX/year> payment from XXXX, a payment in full for XX/XX/year> of {$380.00}. While on the phone with NFCU, I submitted payment of {$500.00} to cover XX/XX/year> and any fees they were going to charge me. 

Without my permission, NFCU withdrew both {$500.00} and {$380.00} from my XXXX account. I complained to the online representative that it was illegal to withdraw funds from my account without my permission. The representative told me, on a recorded line, that it was NFCU policy to take 2 months, the XXXX and the XXXX payment. I reminded him that he did not have my permission to take next months payment out of my XXXX account and I wanted that amount returned to my XXXX account. He refused to refund my money. The representative stated that the XX/XX/year> payment NFCU had illegally withdrew from my XXXX account would be posted as my XX/XX/year> payment. It was not! Now I am now being called by NFCU collections claiming my account is in arrears. 

This bank/credit union is engaging in illegal acts, unfair leading practices, and they have openly preyed upon me and discriminated against me. I have only had this HELO since XX/XX/year>- and they can not stop retaliatory harassing me. 

What I would like as a remedy to their retaliatory and unabated and uncorrected discrimination, harassment, and unfair lending and dept collection practices is for NFCU to forgive in total my HELO and close it. And or for NFCU pay all fees/loan points associated with moving all my NFCU accounts, saving/checking, Home Loan, and HELO to another lending institution of my choosing, one that does not engage in illegal acts against its customers and members. And with both both options, they must repair any damage they have done to my credit history. 

I will agree to sever all ties now and future with NFCU, when they agree and comply with the above remedy.

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