Consumer complaint received 2024-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2024, a Mortgage Payment posted - ( which should of been )- for my payment due on XXXX XX/XX/2024 as per using the Navy Federal Credit Union XXXX XXXX  App. 

In the App, once you log into your bank account, to pay your mortgage, you click on the Home Squad option- and it provides you the option of paying your mortgage. 

In the App, it gives you No XXXX In your face Indication that I Recall or is Obvious to any reasonable Consumer if the payment process too soon, ( prior to the first of the month ) that the payment will be applied to the Principle instead of the expected upcoming Mortgage payment. 

All obvious indications as far as I could tell, while using NFCU Home Squad payment system, indicated that my payment that I was paying in Good Faith would be applied to my XXXX XX/XX/2024 mortgage payment. I do not recall seeing anything using their own App that would indicate that my payment intending to be applied to XXXX XX/XX/2024 payment would not be posted as such. 

In my circumstance- I pay the split the Mortgage payment between the XXXX, and use the 15 day Grace Period to pay the second half of the Payment when my paycheck hits. 

So on XXXX XX/XX/2024, I made my second half of the Mortgage Payment - which in My Mind, settled the Mortgage Payment for the Month of XXXX. 

On XXXX XX/XX/2024, I get a call from a Navy Federal Credit Union representative attempting to Collect a FULL MONTHLY PAYMENT mortgage Debt PLUS a Late Fee. 

First of all, I would have only owed Half of a XXXX Payment, because I paid on the XXXX of XXXX. 

So this XXXX guy from Navy Federal calls me, trying to collect a Full Payment. Had he looked into it, before he called me, ( even if it didn't post yet ) he would have seen I had At Least paid half on the XXXX of XXXX- regardless of the issue of the XXXX of XXXX XXXX. 

So when I alert him to the fact - Wait a Minute- I paid you on the XXXX, and if that hasn't posted yet from one Navy Federal account to the Mortgage Account - that is Not My Fault- and I most definitely do not owe a Full Month Payment. So he looked into it, and saw that, and then followed up with a XXXX response, " Well, I'm just calling to make sure you're going to pay your Late Fee. '' I was at work, and didn't have time to look into this, so I basically told him I'll call you guys later. 

So after looking into it, on XXXX XX/XX/2024 I called Navy Federal, and I BLEW UP when I found out that my Good Faith payment that I thought would be applied to XXXX XXXX was applied to the Principle instead of my monthly mortgage, and so Navy Federal was attempting to collect a FULL monthly Payment, and showed me being Late by a FULL monthly payment, plus a Late Fee. 

( Now, my wife called for me and resolved this issue with NFCU and resolved the Late Fee, because I was BEYOND LIVID and lost my Cool for the potential FRAUD taking place against our Veterans and XXXX XXXX people- and my CHIEF concern if MUCH bigger than myself ) NOW THIS IS MY CHIEF CONCERN - NAVY FEDERAL DEALS WITH OUR XXXX XXXX AND VETERANS AND MAY BE CHARGING THEM LATE FEES - XXXX Forbid if they made a Good Faith Payment a Day or Two Early - so it wouldn't apply to what the Veteran consumers or XXXX XXXX  consumers thought they were paying for. 

( I WOULD REMIND CFPB THAT XXXX XXXX XXXX GOT CAUGHT DOING SOME SIMLAR FRAUD 15 or 20 YEARS AGO POSTING PAYMENTS TOO SOON OR TOO LATE TO PURPOSELY INCURE A FEE, AND THEN CHARGING OUR SERVICE MEMBERS AND VETERANS A LATE FEE- THIS SEEMS EERILY SIMILARY TO THE SAME SORT OF FRAUD XXXX XXXX XXXX GOT CAUGHT DOING MANY YEARS AGO )

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