Date Received: 2023-08-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX which in volved me making deposits for a total amount of {$3000.00} from my Navy Federal Credit Union account to fraudulent investment firms.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 227XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: AS I WAS TRYING TO OPEN A BANK ACCOUNT I WAS ADVISED THAT I'VE ALREADY HAD A ACCOUNT I'VE PERSONALLY NEVER DEALT WITH ANY BANK SO MY INFORMATION WAS USED WITHOUT ME KNOWING.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I applied for both a secured credit card and a pledge loan, but to my disappointment, both applications were denied. I find it puzzling since I've been a member for years, and because these accounts were secured, I felt a sense of discrimination as a XXXX XXXX male from an institution that I believed prided itself on being welcoming and family-oriented. However, I realize that my decision to file for bankruptcy earlier this year might have influenced the outcome. I also acknowledge that my financial difficulties might have caused losses for Navy Federal. Having spoken to numerous customer service representatives, I emphasized that I didn't want to file for bankruptcy protection. The loss of my job and the passing of my uncle due to XXXX have created significant hardships, making it challenging to meet the minimum payment requirements. On XX/XX/2023, I received a response within the Navy Federal app regarding a reconsideration for both applications, but they declined. On XX/XX/2023, I managed to speak with a manager who mentioned that they could remove the software block from my account, as evidenced in my attached screenshot, and they promised to call me back. However, to date, I haven't received any response. I'm interested in having the Consumer Financial Protection Bureau ( CFPB ) investigate this situation. I want clarity on whether a bank institution is legally allowed to take such actions. After reading numerous forums and hearing stories of others being banned from Navy Federal Credit Union, I'm curious to know if their practices align with constitutional principles.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This is the XXXX time I've disputed this fraudulent charge. XXXX XXXX processed a debit card transaction to XXXX for {$510.00} XXXX. I have never done business with XXXX and I went into very detailed specifics when I initially made this dispute. Nonetheless, my account was charged and ultimately closed and it should not have been.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46260
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Today I had another fraudulent account report to my credit report. Names, addresses and accounts that do not belong to me still remain. XXXX acts as if they cant effectively investigate and properly remove items from my credit report. I sent them a demand letter which obviously wasnt taken seriously a few weeks ago. There acts including Navy Federal Credit Union have been intentional and with malice. I have filed a police report which will be handed over to federal authorities for investigation. I have now demanded payment from XXXX for the multiple violations of the FRCA. The last specialist I spoke with from XXXX on Friday XX/XX/2023 she implicated Navy Federal Credit Union in things that concerned me. So the social security administration has now launched an investigation as well as federal authorities in matters into my personal information being used in a way it should not. A police report was filed so a in depth look at how my personal information was used and the correspondence between Navy Federal Credit Union and XXXX can be subpoenaed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: my entire account number was stolen from a different device i spent 3 hours on the phone with security figuring everything out these people have my account in a over draft of XXXX and the disputes they are denying like im some theft as a consumer im demanding my funds and that these disputes get credited i dont care if they have to run the camera back someone put money in my account i call them to correct to let them know its not my money now they have me responsible
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had a fraud transcation in the amount of {$360.00} on my account on XX/XX/2023, my wallet was stolen and card was used. I contacted navy federal to advise of the fraud transcation. I was provided with an provesional credit. After 30 days i recieved a letter from the bank stating that they reviewed and determined that no occurred accured and would be reversing the credit. I immediatley contacted navy federal to advised this is incorrect and that I didnt not have my card, The rep i spoke to advised me to send an email via the portal and they would reopen the claim and this would stop the adjustment. as of today XX/XX/XXXX the adjustment of {$360.00} was removed from my account and now my account is in negative. I called this morning to speka to the fraud department and spoke to a supervisor XXXX who ws no help at all she was very rude. I explained to her what her rep advised me and she told me there is nothing they can do so i asked to speak to her manager and she denied the request and stated that she was not going to send my concern to her manager, when requesting her name i asked for her first intial to her last name so that i can file my compliant and she denied and advised me that is not there process.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76036
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: In XX/XX/XXXX, a e-checking account, Membership savings account, and credit card account were fraudulently opened under my identity through Navy Federal Credit Union. I was informed about this because Navy Federal Credit Union ( NFCU ) sent several items through the mail to my physical address, even though I did not open an account. I called them, and they closed the account and froze my social security number. However, in XX/XX/XXXX, a separate credit union attempted to open a new account under my name. Starting at this point, I started to do research, and I read about my rights under the Fair Credit Reporting Act ( FCRA ) section 609 ( e ). Specifically, that I have a right to access any business documents related to these fraudulent accounts under my name. In XX/XX/XXXX, I wrote a letter to NFCU, requesting any and all business documents. I provided them with a copy of my WI issued driver 's license, the police report detailing the identity theft, and the Identity Theft report taken from the FTC 's webpage. This letter was delivered on XX/XX/XXXX. The FCRA gives 30 days to comply with the request. As of XX/XX/XXXX, I have not received any documents, and the only time I get an answer is when I call them. They have informed me that they require a subpoena to release the documents. Via phone calls I initiated, NFCU stated that the application was done over the phone, so they can't release the application, or that the business records are owned by NFCU, and a subpoena is required to access them. However, the FTC 's stance on the FCRA is that a subpoena can't be required of an identity theft victim to access business documents related to fraudulent accounts created under their name. I have shared documentation with NFCU on the language of FCRA, and FTC 's stance. I have also shared with NFCU their own documentation taken from NFCU 's website regarding supplying documents to victims of identity theft with business documents within 30 days.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 537XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Informed navy federal credit union created union that account was created due to identity thamedt but Navy Federal credit union is stillattempting to collect debt and continuing to report Inaccurateinformation on my consumer report. I sent them police reportand identity theft affidavits still no resolution. Debt was never legally verified by navy federal credit union
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: am writing to formally complain regarding the recent denial of my credit application, based on the adverse action notice I received. I believe my denial violates consumer protection laws and regulations, and I kindly request that you reconsider your decision after a thorough review of my application. Upon reviewing the adverse action notice, I was shocked to discover that my credit application with NAVY FEDERAL CREDIT UNION was denied. I strongly believe that this decision is unjustified and does not reflect my creditworthiness or financial capabilities. As a consumer protected by various consumer rights provisions, including the Equal Credit Opportunity Act ( ECOA ), Fair Credit Reporting Act ( FCRA ), and other applicable laws and regulations, I understand that I have the right to dispute any erroneous or inaccurate information that may have influenced this decision. To assist you in the reconsideration process, I would like to bring the following matters to your attention : I have carefully reviewed my credit report and found no evidence to support the denial. My credit history demonstrates responsible financial behavior, including prompt payments for all my obligations and maintaining low credit utilization. I kindly request that you reevaluate the information you used in the decision-making process and ensure its accuracy. According to the adverse action notice, the reason ( s ) for my credit denial were stated as serious delinquency, revolving balances to credit limits are too high, level of delinquency on accounts and number of accounts with delinquency. However, based on my credit report and my understanding of the lending criteria, I believe these reasons are not supported by verifiable information. I in GOOD FAITH applied for this loan to provide transportation for my family to and from work. XXXX. Compliance with Consumer Protection Laws : I kindly request that NAVY FEDERAL CREDIT UNION ensures full compliance with all applicable consumer protection laws and regulations, including the ECOA and the FCRA, during the reconsideration process. As a financial institution committed to fair lending practices, I trust that NAVY FEDERAL CREDIT UNION will conduct a fair and thorough investigation into my credit denial. In light of the above, I request that you promptly initiate a comprehensive review of my credit application, taking into account the supporting documentation provided, to determine whether my creditworthiness warrants approval. I also request that you notify me in writing of the steps taken and the final decision regarding my credit application within the legally mandated timeframe. Please be aware that, if necessary, I am prepared to escalate this matter to the appropriate regulatory authorities or pursue legal action to protect my consumer rights, should my complaint not be addressed satisfactorily. NAVY FEDERAL CREDIT UNION is liable under the SEC to follow certain Rules. Thank you for your prompt attention to this matter. I look forward to receiving your response within usually 15 days from the date of this letter. Should you require any additional information or documentation, please do not hesitate to contact me via the phone number or email address provided above. App. ID XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A