Navy FCU Credit Card Complaint

Navy FCU Credit card department,

Payoff process North Carolina

My husband was a - - who was killed in the line of duty - -, -. This caused my credit card to go into a negative account. I had to wait until - - for the investigation to be completed. - -, I received a letter from Navy Federal Credit Union about my credit card. I was going through multiple - and contacted them in - - regarding this account. I spoke to my counselor assigned to the charge off and she gave me 3 options, similar to the 3 options in the letter, I could pay a lump sum of the balance of $5300.00 and have it marked paid in full on my credit report, I could pay $2600.00 and have it marked as paid in full for a lessor amount, or I could pay $66.00 for 40 months and have my credit report marked as paid in full for a lessor amount upon completion of the final payment. I choose the option that worked best for me, 40 payments of $66.00, and set up automatic payments from my bank account every month. I pulled my credit report several months later and noticed that the balance had not


every month. On one report it 's 90+ days past due 44 times and another is 26 times. Any late mark before my - payment on - -, -, is accurate and valid. As of - -, -, my account is paid as agreed per their payment options to me and my payments should not be reporting late because they are paid every month on time by automatic withdraw. The account is a charge off, I am not looking for that to change. This account is not paid late, it is paid on time and the late payments need to be removed immediately. I spoke to my counselor at Navy Federal and faxed her my credit report showing the late reporting, she told me that the credit department said it 's reporting correctly, so I asked to speak to her supervisor. She called me and I emailed her a copy of the letter they sent me in - -. She called me back and stated that my payments are a different amount in the letter so she said I was n't paying as agreed, which contradicted our first conversation, which she stated that they reported my account as paid as agreed for a lesser amount agreed upon, explaining that because I was not paying the full balance of the credit card. I was offered the payment arrangement by the counselor, who stated this would bring my account to good standing, the same thing stated in the original letter, and I have honored my end of the agreement with them. My payments are not late and should not be reported late. They are providing false information by saying my payments are late. Payments made on the following dates -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- -/-/- and the remaining balance of the agreement will be paid in full in the next 30 days. I have 12 payments left but will be paying it off early.