Consumer complaint received 2023-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union Member Service Department XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Late Payment Removal - Account Numbers : XXXX, XXXX, XXXX Dear Navy Federal Credit Union , I hope this letter finds you well. I am writing to kindly request the removal of late payments from my accounts, specifically for the accounts with the following numbers : XXXX, XXXX, and XXXX. I understand that the late payments occurred during the challenging period of the COVID-19 pandemic and before the pandemic when I was faced with the unexpected circumstances of being laid off and searching for a career path. I am deeply grateful for the understanding and support that Navy Federal Credit Union has shown during this time. 

Firstly, I want to express my sincere appreciation for the opportunities you have provided me over the years as a valued member of your credit union. I have always been proud to be associated with Navy Federal, and your exceptional customer service has been a significant factor in my financial journey.

During the unprecedented COVID-19 pandemic, I faced financial hardships due to job loss and reduced income. As a result, I experienced difficulties in making timely payments on my accounts. However, I am delighted to inform you that both the loan accounts, with account numbers XXXX and XXXX, have been successfully paid off. The remaining account, XXXX, is also nearing its full settlement, and I expect to have it paid off shortly. 

I wish to emphasize that I have learned valuable lessons during these challenging times, which have greatly contributed to my personal growth and financial maturity. I have become more disciplined and responsible in managing my finances, and I am committed to ensuring that all future payments are made promptly. 

Considering my long-standing relationship with Navy Federal Credit Union , the successful pay-off of the aforementioned accounts, and the extenuating circumstances surrounding the late payments during the pandemic, I kindly request your consideration in removing the late payment records from my credit report. 

Removing these late payment entries from my credit profile would significantly improve my creditworthiness and strengthen my financial standing. With the newfound knowledge and maturity I have gained, I am determined to continue demonstrating a reliable payment history moving forward. 

I truly value the relationship I have with Navy Federal Credit Union, and I believe that this goodwill gesture would not only benefit my financial prospects but also reaffirm the trust and loyalty I hold towards the credit union.

I would be deeply grateful for your understanding and positive response to my request. If possible, I kindly ask that you provide a written confirmation of the late payment removal for my records. 

Thank you for taking the time to consider my request. Please feel free to contact me at XXXX or XXXX if any further information is required. 

Sincerely, XXXX XXXX

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