Navy Federal Credit Union - Charged twice for being late
I understand NFCU loans are due on the 13th of each month, if you do not pay it by the 13th, they are charging you $20 Increased Balance Adjustment, if you have not paid by the 23rd, they charge you $20 Late fee assessment. I discussed it with my local branch representative and she called someone in the loan dept, they told her it the increase balance adjustment was a late fee also. Is this legal? Can they double charge for the same thing? I understand charging a late fee, but why a increased balance adjustment. We have been charged this every month since August. I had no idea I was being charged this because it never appeared on my bank statements. I know I am not the only person they are doing this to, Navy Federal Credit Union has all their loans due on the 13th of each month, but the military gets paid on the 15th. Does this mean they are charging
everyone who pays their loans out of their 15th payday $20, and no one
realizes they are charging the $20, because it never appears on there
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