Date Received: 2023-08-27
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Charge was made XX/XX/2022 ( think it was the XXXX ) went 2-3 months with company refusing to respond or communicate on given number filed a complaint and wrote a review in which they responded with threats and false claims of slander/defamation and said it was a technical issue withdrew complaint giving them benefit of situation then went two months with same issue never harassed or threatened and no response on the line they gave Sent all emails and texts with company can provide again
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 890XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. Id also like to mention, that I tried to settle this debt on multiple occasions via a registered security & also a billing error notice. These request were both denied & ignored.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: {$670.00} on XXXX {$43.00} on XXXX {$74.00} on XXXX {$29.00} on XXXX {$57.00} on XXXX I submitted a fraud claim due to unauthorized and fraudulent transactions being made on my account. My debit card has never left my possession. Nor has it been given to anyone or authorized anyone except myself for use. Nobody knew my pin except me. My claim was immediately denied within a week based off of the following : Thank you for contacting Navy Federal regarding the Debit card fraud claim submitted on XXXXXXXX on your Debit card ending in XXXX for the amount of {$880.00}. Based on a thorough investigation of your account activity, we have determined that no error has occurred. To which I immediately called in and submitted An appeal on XX/XX/. After 40+ days of waiting for a response I called in today and was told my appeal was denied for the same reasons. Your account history shows no fraudulent activity. Im telling you its fraud. Im telling you this wasnt me. Im telling you this needs to be investigated. Is what I told XXXX I was told by the supervisor XXXX, that I am responsible for completing a thorough investigation and providing the evidence to overturn the decision they made and they do not investigate. They go based on account activity and algorithms. I asked them to contact the merchants and do a proper investigation and I was shunned and told to do it myself. The supervisor asked me very specific questions and once I finished answering she blatantly said several times very clearly, and thats why you lost I was appalled by what I was hearing. Thats why I lost? No I lost because your bank doesnt do its job when it comes to fraud. Whats the point of making a fraud claim if I have to do my own investigation anyways? They claim its impossible for someone to get my card make a clone and use it within 3 hours of my last transaction. According to thier documents I made purchases in XXXX home goods ( which is true and factual ) Then 3 hours later I went and spent XXXX $ at XXXX XXXX. ( This is not true ) I found out I had been compromised while I was at dinner. Alone. Still in possession of my debit card. I went to pay my bill while I waited to pick up items from XXXX that were scheduled for pickup online. I went to dinner at my favorite restaraunt while I waited for my items to be ready. Both businesses are in the same parking lot. I go to pay my bill and XXXX $ was drained from my account. I immediately contacted the bank and started the fraud process with no delay. Not only was my money stolen, i was embarrassed and unable to pay for my meal. And now Im being told thats why you lost by my bank? Please investigate. I work hard for my money. This isnt fair to me. Ive lost XXXX $ and navy federal refused to take action. Ive been without these funds for 2+ months and I was completely disrespected and shood away and told to do my own investigation and send them the information. Is this normal to expect regular bank customers to do their own financial and technical investigations? To then provide the fraud department that, has special training and certifications, with the proper documents to do thier job? Which was to obtain those exact documents themselves? The woman whom I spoke with was named XXXX and was a supervisor in the fraud claim department of navy federal credit Union. Attached are copies of the documents I provided NFCU initially. As well as the list of transactions involved with this complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93036
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I want to file this please as my formal complaint to NAVY FEDERAL CR UNION for allowing the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77566
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: On XX/XX/XXXX the CT DMV sent the title of the XXXX XXXX XXXX to Navy Federal Credit Union at : ( per online Navy Federal site information ), Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have phone logs of the times I have called to NAVY FEDERAL over the past year to request a title loan duplicate form. As of today : XX/XX/XXXX I have asked " XXXX, '' for a history of logs pertaining to my : phone calls of inquiry on this matter, loan, and mailing history on this matter. To which he said. " NO. '' I want this recoding as well as all the recordings brought into this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06066
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I purchased a year subscription for software, I located a better software and so I contacted XXXX XXXX XXXX and canceled my subscription. I was told that they only provide refunds within 30 days of purchase, for example, had I been paying monthly and I canceled, I wouldn't be paid for the following month, but since I purchased a yearly subscription and 30 days have passed, I am not entitled to a refund. I was told I have {$970.00} in credit with the company if I should decide to ever come back. I decided to dispute the charge with Navy Federal Credit Union, when I put in the dispute by phone on XX/XX/XXXX, I was told by the gentlemen who recorded my dispute, that I would receive a provisional credit within 10 days. I called back on the 9th day to confirm the provisional credit, and the young lady I spoke to put me on hold came back to the phone and assured me that my provisional credit would be on my account by XX/XX/XXXX. I checked my account on XX/XX/XXXX, and the credit was not on my account. I called Navy Federal and was told this transaction did not fall under regulation e, that I would not be getting credit, and that this dispute would take 120 days. I am not sure if the transaction falls under regulation e or not, but from what I read it appears it do, can you please assist me with this matter?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Money was not available when promised
Subissue:
Consumer Complaint: My wife made a transfer in my personal account like we have done in the past usually it take only a few mins to go threw. they placed a 3 day hold on my money which was my pay check causing fanatical harm.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 218XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: i never lived at those address that is associated with the debt i want the original copy with my signature
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Last XXXX I was a victim of fraud by obtaining a car loan check to purchase a vehicle but the check was cashed and I never received the vehicle. I informed the bank of this right away but was informed nothing they can do since the check was cashed and I was the guarantor of the car loan. So I am out of XXXX XXXX and have not vehicle. I have been communicating with Navy Federal about this and they made it very difficult to send them information and receive information. No one has taken the time to hear my story. You have to wait on the phone que for 2hrs, its a national crime and it seems like they are not doing anything to help members, in which i been a member since 2013. I followed all necessary steps to state my case in which I had to fill out there Declaration of Forgery/Fraud form, the form was filled out, but only to received a letter 30 days letter stating I am responsible for the XXXX XXXX loan. In order for me to file a police report I needed the form to give to the Police Department. I requested a copy of the Declaration of Forgery/Fraud form but was informed I needed a subpoena from the Police Department XXXX I am only able to receive a subpoena once I have a court date. I need the form to send to the police report to file a police report. Navy Federal was not helpful and refused to send me back my original documentation that only has my personal information on the phone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44202
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A