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Navy Federal Credit Union / vehicle repo

MI, United States Review updated:

Due to financial hardships I got behind on my vehicle lease with navy federal. I made arrangements with them, set up an allotment to pay the lease directly. All was fine for about a month and two days before they were going to get thier payment, the repo guy shows up. Now, ok that was my first issue, now I contacted them the day after to arrange for payment to bring the accound current and recover the vehicle. The navy federal employee then tells me that they will not give me the vehicle back since they no longer do leaases anymore. Now, state law in michigan requires them to give me fifteen days to recover my vehicle. I am contacting an attorney and will do what I can to get my truck back.

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Comments

  • Sa
      Feb 22, 2010

    I agree !! Mine was repoed 2 weeks ago and they let me deal with an attorney. Can you email me @ [protected]@gmail.com ? I need help to get my vehicle back !!

    0 Votes
  • Sn
      Jul 29, 2010

    I'm going to agree with you. The worse part about NFCU is I was CURRENT!!! Here's what's up Earlier this year my wife and I refinanced our car loans that we have with NFCU. Through a lot of issues and lack or proper paperwork being done we FINALLY got everything done and lowered our payments and we happy. Well Back in April of this year I received notice that one of the cars were up for repossession. I instantly called and spoke with the collections department to find out what was going on. I read the letter to them and gave them the person's name that was on it. Well that individual wasn't in and they spoke with other people in the department to find out what was going on. Well after about an hour on the phone the came to the conclusion that since we had just refinanced the loans and a payment wasn't due because of the new contract one system hadn't updated another and the car was not up for the repossession. I was happy with that explanation due to some systems acting up and I keep up with my payments as I was required to do. This whole time the car was also sitting at the dealership due to the engine going to crap and them saying it's not covered under warranty due to there being 9" of sludge in the oil pan. Well with current oil changes that won't happen plus that much sludge wont' fit in in the oil pan of an '04 Santa Fe. Well the letter I got today stated that the car had indeed been picked up and sold with out my knowledge. I know this can not be done if the payments are current as they are and at no point had they gone behind. The bank stated that Hyundai called them and said if they didn't get it they were going to put a mechanic's lien on it and sell it themselves. I guess that's how Hyundai deals with disputes. While questioning the bank rep he was not only unprofessional but refused to answer my questions. I know a repossession and sale of a vehicle that is a felony and when I informed the bank rep he said no it's not. I have been with this bank for over 20 years and my father has been with it for over 40 years. He's since transferred all but his mortgage out of that "bank". I've already filed with the BBB and I've also posted on planetfeedback.com. I'm not going to give up my fight until I win. This "bank" will do nothing but rip you off. I'm looking for direct contact info for the CEO an I will post it once I get it and I WILL find it.

    0 Votes
  • Ny
      Oct 24, 2010

    There contact information is as follows:

    Cutler Dawson
    President/CEO
    CONTACT: Jennifer Sadler
    Public Relations Manager
    Phone: (703) 206-3137
    E-mail: [protected]@navyfederal.org
    Navy Federal Credit Union
    820 Follin Ln.
    Vienna, VA 22180-4907
    VA Tel. 703-255-8000
    Fax 703-255-8741

    Also, see my complaint copied below posted moments ago. Good luck


    I am surprised by all of these comments being made about NFCU. I have had my own problems with them but, I’m still surprised to see this many comments. I never guessed that there would be so many disgruntled people out there willing to write about their negative experiences.

    NFCU has essentially terrorized me over the last two years (including while in bankruptcy). Frankly, nobody deserves to be treated like some of us have been treated. While I take full responsibility for not completely fulfilling my obligations, I've paid off multiple loans and paid thousands of dollars in interest to NFCU. Nothing justifies treating anyone the way that I have been treated. When my financial "crash" came I made it a point to call NFCU twice a week for more than a year prior to filing bankruptcy. I mostly called them so that they wouldn't keep calling my family members and harassing my neighbors.

    One evening last year, at 9:30PM, NFCU sent a “door knocker” to my home. I’ve since learned that a “door knocker” is a collection industry term used for a contractor who places door tags onto the handle of your front door. These tags typically say that they want to speak to someone in the household. The “door knocker” pounded and kicked on my door so hard that, for a minute, I thought that it was a home invasion (I still have the dents on my door). I think that he kicked my door because the dents in my door are on the lower portion of my door. I was able to talk to the “door knocker” through the front door. He stated that he was working for NFCU and that I needed to call them. I told him that I had just talked to NFCU the previous day and that I was going to complain about his pounding on my door. He basically told me that nothing would happen to him and that he would not get in trouble because he was just “following orders” given to him by NFCU. I told him not to return to my home again and that I was going to call the police. He then ran to his car and drove away. While I was not able to get his license plates, I did call the Fairfax County police and gave a description of the "door knocker" and what had happened. They indicated that they would make a report and for me to call earlier next time so that they would have a chance to question that person at my home.

    It was this incident that, not only scared the heck out of me but, caused me to realize what was actually going on. I had noticed that although I had been calling NFCU twice a week for 6 months or so prior to this incident, NFCU was still calling my neighbors and my family to harass me. They repeatedly called my in-laws, siblings and mother. I’m sure that they called others because most people would not probably want to add to my own embarrassment by telling me about their NFCU calls. At the time, I felt humiliated and too embarrassed to do anything about this harassment. I was (and still am) trying to focus my energy on getting a job. I did write the Chairman of NFCU to complain and explain my situation. My letter to the Chairman basically apologized for hurting the members of NFCU for not meeting my obligations and (most importantly) to ask NFCU to stop using illegal collection techniques to bully and harass me. I even wrote that I thought NFCU would collect more if they followed the law.

    At this point, I have had it! I have gotten to the point where I actually feel ashamed for not standing up to them earlier. I've caused my family a tremendous amount of pain due to my economic situation as it was and is. It wasn’t right for my family to have to experience the unbelievable behavior associated with NFCU’s collection activities. All of my creditors had essentially cooperated with my financial situation except NFCU. NFCU is the reason that I filed bankruptcy in the first place! I didn’t have any money to pay anyone anyway! During bankruptcy, I had to submit to a deposition requested by NFCU (more NFCU harassment!). During the deposition the lawyer from NFCU kept asking me about my disabled daughter. That was unbelievable! I had essentially given up my ability to get a security clearance by filing bankruptcy and I was still being subjected to the wrath of NFCU.

    At this point, My home is being foreclosed on (finally), I am broke, I have no job, I've got a disabled daughter who has substantial medical needs (she’s still wonderful and I wouldn’t trade her for all of the money in the world!), a wife and a son to take care of (they are also awesome!).These realities are NOT NFCU's fault but, I now have nothing to lose and perhaps I have learned a valuable lesson about how to appreciate what I do have (an awesome family and the sun coming up in the morningļŠ). I’ve also learned that one should never run away from “BULLIES AND THUGS! The pain and shame only get worse!

    I've decided to remove myself from bankruptcy (I should never have filed in the first place!) and take NFCU to court to try to keep them from harassing others like they have harassed me. It's the least I can do for my own health and to give back to those who may suffer in the future. I'll spend half my day looking for a job and the other half dealing with NFCU in the courts. I will probably lose, but I will do a more honorable job of getting my point across and at the end of the day it’s the right thing to do.

    My story is true and I'll put my hand on the bible to swear that it is (just like I will in a courtroom soon enough). I’ve got a bunch of faxes, letters (some certified) and all sorts of notes related to phone calls that will help substantiate the immoral behavior and treatment I received from NFCU. I ask that anyone who has a truthful story that they are willing to share about their experiences with NFCU to please contact me at [protected]@gmail.com. You don’t have to talk to me if you don’t want to. You can just share your story in writing anonymously. I realize how embarrassing these issues are to communicate and I don’t think there is anything wrong with keeping them private. Some of you may feel better by just communicating your thoughts to me (kind of like writing a letter when you’re angry and then ripping it up when you are finished). I promise that I will not share your emails or our conversations unless you want me to.

    And to anyone out there who works for this group of "GANSTERS” and or agrees with the behavior that NFCU has used to bully me and others", I'LL SEE YOU IN COURT! Thank you for your time and gob bless. Nyquil762 otherwise known as at Mark in Virginia. I’ll publish my full name after the lawsuit is filed.

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