Date Received: 2023-08-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: NFCU Subject : Explanation of Inability to Open an Account due to Confinement Dear Ally, I hope this letter finds you well. I am writing to address a recent matter concerning an account application that appears to have been initiated under my name. I would like to clarify that I did not open an account with NFCU during the specified time frame due to extenuating circumstances that rendered me unable to do so. The application in question seems to have been submitted on XX/XX/. I must emphasize that during the period surrounding that date, I was in confinement and faced significant limitations in my ability to engage in any activities outside of my immediate living space. The nature of my confinement was such that I did not have access to the necessary resources, including internet access and physical documentation, required to open a new account. Moreover, my location was not conducive to such activities, making it logistically impossible for me to initiate any account-related procedures. I understand the importance of accurate record-keeping and the need for thorough investigations in matters like these. I kindly request that you conduct a comprehensive review of the application details and consider the circumstances I have outlined. It is my hope that this clarification will allow you to confirm my assertion that I did not open the account mentioned in your records. If there are any additional steps or documentation required from my end to support this claim, please do not hesitate to inform me. I am more than willing to cooperate fully to resolve this matter promptly. I appreciate your understanding and cooperation in this regard. It is my earnest hope that we can swiftly resolve any discrepancies and rectify the situation. Thank you for your attention to this matter. I look forward to your response. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
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: NFCU - Credit card Subject : Explanation of Inability to Open an Account due to Confinement Dear NFCU, I hope this letter finds you well. I am writing to address a recent matter concerning an account application that appears to have been initiated under my name. I would like to clarify that I did not open an account with NFCU during the specified time frame due to extenuating circumstances that rendered me unable to do so. The application in question seems to have been submitted on XX/XX/2016. I must emphasize that during the period surrounding that date, I was in confinement and faced significant limitations in my ability to engage in any activities outside of my immediate living space. The nature of my confinement was such that I did not have access to the necessary resources, including internet access and physical documentation, required to open a new account. Moreover, my location was not conducive to such activities, making it logistically impossible for me to initiate any account-related procedures. I understand the importance of accurate record-keeping and the need for thorough investigations in matters like these. I kindly request that you conduct a comprehensive review of the application details and consider the circumstances I have outlined. It is my hope that this clarification will allow you to confirm my assertion that I did not open the account mentioned in your records. If there are any additional steps or documentation required from my end to support this claim, please do not hesitate to inform me. I am more than willing to cooperate fully to resolve this matter promptly. I appreciate your understanding and cooperation in this regard. It is my earnest hope that we can swiftly resolve any discrepancies and rectify the situation. Thank you for your attention to this matter. I look forward to your response. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2023-08-22
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: I am a victim of Identity theft I have all the proper documents that I have sent to the Navy federal including my police reports that they are including in and my identity theft passport that I have carried around with me for two years I went inside the branch and showed them my documents I even sent it to them by email to there security team my case number was XXXX on XXXX XXXX up to XX/XX/2023 and they denied me to opening a new account. when I never had one with Navy Federal in the first place. I have also filed with the state attorney general office below on this same matter. I am also having the same problem with XXXXXXXX XXXX I had provided them with the same documents as well I uploaded them onto their website they notified me that they clear that fraudulent account but do not want to do business with me and I thought that if a person is a victim of identity theft they are not held accountable and which these two banks are holding me accountable for my identity being stolen. peddled received my documents on XXXX I resent them the documents again on XX/XX/XXXX and XXXX of XXXX the same thing happened with trust bank and us bank they are including as well
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76513
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened the account with XXXX dollars then deposited XXXX and when XXXX came I tried to log in and they closed my account & when I called them a lady hung up on me and Said Im not allowed to talk to you about this account thats ridiculous how the accepted my money now wont send it back or answer calls
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33844
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: In XXXX of XXXX I discovered that NFCU did not have the title to my vehicle on hand while trying to complete a sale of the vehicle. After multiple phone calls over the course of the two weeks to follow I was condescended and belittled by 3 supervisors who claimed it was my fault that the title had gone missing and one who stated that NFCU records showed them never receiving the title from XXXX. Once the records of both the CA DMV and NFCU XXXX and a branch in XXXX XXXX Florida were checked the following was concluded : In XXXX of XXXX, I made a request, through the branch in XXXX XXXX Fl, to have the title sent there so I could register the vehicle as I had just been stationed in FL. A request was made to CADMV to turn the XXXX into a paper copy ( per CADMV records ) That paper copy was mailed to NFCU with a tracking number to confirm receipt on XXXX at the address on file ( XXXX XXXX XXXX, XXXX XXXX, PA ) ( per CADMV records ). From there it was sent via XXXX standard mail to the branch in XXXX XXXX FL. ( per NFCU records ). The branch confirmed that it has no records of ever receiving it or reaching out to me to inform me that it never came in. NFCU has an internal policy that if a title is sent to a branch and not claimed by the member that it is to be returned to the main title holding section in PA after 30 days ( per NFCU ). That policy was never carried out. ( per NFCU ) The events as outlined above and the negligence demonstrated by NFCU to follow common sense practice, such as utilizing mail with tracking service, and disregard for internal policy resulted in the title for my vehicle going missing and remaining missing for a period of 2 years and ultimately resulted in the inability of myself to sell the vehicle to an individual who had arranged to pay more than the remaining loan amount. In order to try and correct this matter NFCU filed for a duplicate title from CADMV ( per NFCU record ) and charged me a {$25.00} fee ( which they said would be waived prior to me giving consent for the order ). It was only after I received a letter stating that the amount had been debited from my account and confirming via the online app, and calling the help line that the amount was refunded to me. I tried negotiating for fair resolution on three separate occasions through a case manager as NFCU supervisors said case managers are the only ones who can do anything beyond. All three were denied. No further resolution has been reached. For these reasons and pursuant to 12 USC 5531 I am filing the complaint of abuse. Navy Federal Credit Union took unreasonable advantage of my reliance on them to safeguard the property held and displayed negligence on multiple occasions to follow set policy, which is not consistent with acting in the best interest of the consumer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28734
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: my navy Federal checking account has been closed I'd like to open it again and take care of all matters regarding reopening account. If that isn't possible, I would like to reserve my rights to all security interest and have such funds to reflect in memory of my XXXX account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In XXXX, NFCU received a 30 day automated lien on our bank acct from NC Dept of revenue for tax year XXXX. In XXXX nfcu froze our acct and placed a lien on our funds. We contacted Nc XXXX of revenue and they show a XXXX balance that is no longer enforceable. They told us that NFCU only had til XXXX to enforce the lien and that it has expired and the acct balance owed is XXXX. They further stated that it was an automated letter generated in error, and that we do not owe anything. We asked for a clearance letter and were told they dont issue them for these temp orders We contacted NFCU and they said the lien has no expiration date, and they froze our acts and said they will start sending all funds to NC til it reaches around {$9400.00}. They refuse to contact the NC dept of revenue themselves to validate what we were told by 2 agents as well as 3 supervisors. We need help and are willing to proceed with legal action.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone used my information to apply for XXXX XXXX XXXX XXXX XXXX bank, Navy Federal credit union for a credit and auto loan which I didnt authorized it and its sent to collection thats hurting my credit every now and then and needs it to be removed XXXX XXXX XXXX {$3400.00} XX/XX/XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXXXXXX XXXX XXXX {$980.00} XX/XX/XXXX XXXX XXXX XXXX {$320.00} XX/XX/XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX Someone uses my information to apply for all these and wants it to be removed thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 66441
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: End of XX/XX/XXXX : The company I performed work for, XXXX XXXX XXXX, XXXX, made out a check to my name in the amount of {$6600.00}. The company let me know shortly after that the check was sent out by USPS and that I should be anticipating the check within in a week 's time. XXXX XXXX : I had not received the check as promised, so I contacted XXXX asking for the status. XX/XX/XXXX : Unknown to me until XXXX XX/XX/XXXX, someone with the initials ( XXXX ) had stolen my check from USPS, forged my signature and endorsed the payment in-person at the Navy Federal Credit Union ( NFCU ) in XXXX XXXX XXXX CA. XX/XX/XXXX : XXXX notified me that the check had been cashed, to which I told them that I had never received it. They forwarded me a scan of the signed check, which showed it was ( i ) a forged signature and ( ii ) contained instructions to pay to the order of the initials XXXX XX/XX/XXXX : I contacted the NFCU to report the fraud, and they responded by saying that I would have to contact my own bank to resolve this issue, and that because I was not a customer, they had no obligations to reimburse me for the amount of the forged check. As my personal bank had no involvement in this one-time payment, I notified XXXX of this development and asked them to contact the NFCU on my behalf to resolve this matter between them and reimburse me for my loss. XXXX XXXX : I filed a police report on this matter with XXXX XXXX ( the location of the NFCU ) and XXXX. I also filed a report with USPS. XX/XX/XXXX : I filled out an affidavit of forgery addressed to the NFCU.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92602
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX, I, the consumer and natural person, was denied credit by Navy Federal Credit Union when i applied for a Platinum Mastercard account.Credit denialAdverse action against a consumer is against the LAW, a liability for breach of fiduciary duty 29 USC 1109 violation pursuant to the Equal Credit Opportunity Act which is codified in 15 USC 1691c pursuant to civil liability 15 USC 1692k.i was discrimiated against by NFCU by the response i recieved.As well they are in violation of 15 USC 1642,15 USC 1681m,15 USC 1611,15 USC1640,15 USC 15,12 CFR 1002,15 USC 1666 , 15 USC 1602l , m, n, o, p , and 15 USC 1692b { 5 }.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A