Date Received: 2023-08-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XX/XX/XXXX I sent this company a letter asking for legal verification & I never heard back from them in the timeframe according to the credit laws. Can you help me? I have going back & forth with these companies for a while. They keep sending statements as verification & this time they sent nothing. Account name NAVY FEDERAL CR UNION Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$16.00}, 300 written off. {$16.00}, 300 past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$16000.00} Balance updated XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90015
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: My credit score decreased XXXX XXXX due to my SSN being compromised on the dark web.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I got approved for a Navy Federal checking/savings about a month ago. I switched my direct deposit recently and this week was the first time I received direct deposit to the account. XX/XX/ I was approved for a secured credit card with them and they deducted the {$200.00} deposit from my savings and sent me an approval. I used my debit card a few times after on XX/XX/XXXX XXXX XXXX when I tried to make a purchase it declined. I opened the app which told me to call. They advised that my account was going to be closed due to fraudulent sign up ( I signed up through my sister- immediate family member ) and I would have no access to the remaining funds on the account until this process was completed, the security team is closed on weekends so theres no one else I can speak with, and the supervisor hung up on me. I called back and advised I was not sent notice of this and was unable to feed my children due to the circumstances and was disconnected yet again, intentionally, by another supervisor. I advised them I would not be able to come into a branch because I was unable to get my vehicle fixed due to this mishap and the closest branch is about 4 hours from me. My entire paycheck was deposited into this account which Ive now had no access to for over 24 hours. The agents lacked training and empathy. I never received a notice requesting documentation proving I am eligible which I very much am.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2023 NAVY FEDERAL CREDIT UNION conducted a manual review of my credit card account ending in XXXX for an automatic credit limit increase and has committed Adverse Action against my right to credit as defined under 15 USC 1602 by denying me a credit limit increase. NAVY FEDERAL CREDIT UNION has denied me my own extension of credit via my credit card defined under 15 USC 1602. NAVY FEDERAL CREDIT UNION has discriminated against me by denying me a Right and for the purpose of me exercising a Right being in violation under 15 USC 1691 ( a ) ( 3 ), ECOA, 18 USC 242. NAVY FEDERAL CREDIT UNION has committed a violation under 15 USC 1691 ( d ) ( 6 ) under Adverse Action which states -- -- -- - '' Such term does not include .... or where such additional credit would exceed a previously established credit limit '' -- -- --. Congress has clearly and directly stated there is no adverse action for a credit limit increase. This unlawful denial of my right to my own extension of credit as defined under 15 USC 1691a has caused me financial harm and mental anguish and has caused me to feel severely discouraged and to lose confidence in the banking system.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a hard inquiry dated for XX/XX/2023 and on XX/XX/2023 for NAVYU FCU. I have a hard inquiry dated for XX/XX/2023 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AND XXXX XXXX XXXX. I didn't apply for anything to have these Inquiries on my credit report, Could you please remove these.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 387XX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hi, My name is XXXX XXXX the month of XX/XX/2023, Im a customer of NFC. while I was in California, I bought several things on the XXXX platform. I was in California for about three months. When I was finalizing the purchase in XXXX the delivery date did not appear until I put my credit card number and paid. As soon as I paid, the delivery date appeared. The delivery date was for the days when I was supposed to be back in XXXX, XXXX. When I realized that I was not going to receive the merchandise at the address where I was, I retracted the purchase. I did it because XXXX gave about forty-eight hours for that process. My surprise was great when on XX/XX/2023 I saw the {$61.00} dollars being charged to my checking account of my account at NFCU. I immediately reported the abusive charge by XXXX and mentioned that I had canceled the purchase two minutes after making it, which XXXX allowed me to do so. The days passed and NFCU started the dispute process. Weeks later they contacted me to ask me about the purchase. I told them all the details. Also, I told them that the XXXX system did not give me the opportunity to print the date and time when I declined the purchase. I had contacted the people where I lived when I made the purchase, and they told me that they had not received any merchandise in my name from the XXXX company. Clearly, this was an abusive charge by XXXX. When I sent this message to NFCU apparently, I did not follow the bank 's protocols and sent it to my account with which I had paid WISh. According to the NFCU, I should have sent the message to Dispute a Recognized Card Charge, but I sent it to ATM/Debit Card Issues. NFCU never specified that I should send my message to that specific location. Also, after all, it is the same bank, and I never would have thought that this made a difference. The above does make a difference for the bank because shortly after they sent me a message saying : A notice was sent requesting additional information on XX/XX/2023. As of the request deadline, that information has not been received. A review of your claim has been completed and we did not find a merchant error. Unfortunately, the time frame that has lapsed between the date of the transaction posting to the checking account and your notification to Navy Federal regarding the dispute has prevented us from pursuing this matter further on your behalf. NFCU never read my message even though they were required to read all messages sent by customers and respond within two days, but they never did. This caused NFCU to charge the {$61.00} to me. NFCU did not advocate for me as it is supposed to. They simply washed their hands of it saying that I had not answered the message sent by them within the time established by their rules. I buy very often from XXXX, and I have had several incidents when they charge me for things that I have not bought, and the card used for the purchase is simply canceled and my money is refunded. Now, I am afraid to use my debit card because I am sure that the NFCU is not going to advocate for me. I demand my {$6100.00} dollars paid back to me. Thanks
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95008
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Problem with customer service
Subissue:
Consumer Complaint: NFCU was given a IRS form 1099A, 1099C, 1096 and 1040V, to discharge debt of Promissory Note. NFCU transferred my Promissory Note to a Loan. NFCU branch mgr XXXX, knowingly and admitted to not filing, and will not file. The branch mgr also has my security agreement then closed my checking acct. I am looking to file discrimination charges, along with unethical banking practices
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navy federal credit union has on my credit late fee 's, the account in question was open on XX/XX/XXXX with a limit of {$1000.00}. The account is now closed. Navy federal reported some late payment which has affected my ability to obtain new lines of credit. Date reported late payments : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX, VA XXXX RE : Acct : XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$200.00} as of XXXX XXXX also you claim LATE PAYMENTS ON XXXX XXXX 30 DAYS LATE, XXXX XXXX 60 DAYS LATE, XXXX XXXX 90 DAYS LATE, XXXX XXXX XXXX DAYS, XXXX XXXX XXXX AND THERE ON. This is a formal notice that your claim is disputed. I am request validation, made pursuant to Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, 2 showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit report. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as 3 evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 903XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: XXXX XXXX has been attempting to take money out of my checking account for fees that the bank acknowledged to me they are notorious for doing. My annual fees are not due til XX/XX/2023 and I just signed up with a free trial and monthly payments that are to come only off of my debit card. The only fees required to come out of my checking account again are annual fees. I only transfer money over when bills are due from other accounts I have or from my savings to my checking account. So, the NSF fees that Navy Federal is charging me were for fees again not expected to come out at this time. Navy Federal acknowledged to me the wrong in what XXXX XXXX is doing but had the nerve to tell me they can not give me " courtesy '' credits for the NSF fees charged because they already gave me fees back at the beginning of the month. First, one has nothing to do with the other. Second, they are acknowledging XXXX XXXX is doing wrong so how it is a " courtesy '' to return fees to me that Navy Federal is charging me? I want all NSF fees related to the ACH attempt withdrawls returned to me regarding Planet Fitness. I will handle XXXX XXXX aside from what Navy Federal is doing on my own but I think my bank would have a bit more empathy in doing what's right instead of charging me for what another company is doing wrong in.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/XXXX, i attempted to make a withdraw from my account in the amount of {$500.00} at a XXXX XXXX XXXX XXXX ATM. When making the withdraw from my Navy Federal Credit Union account using my ATM/Debit card the ATM only disbursed {$250.00}, XXXX - {$10.00} bills. Which equates to {$250.00}. After contacting both banks about this error neither bank will accept the irreputable proof based off of their own ATM transaction log.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A