Date Received: 2023-08-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: NFCU was working with me at a time while working, recovering from XXXX XXXX XXXX and returning from a leave of absence on XX/XX/XXXX at my work. I was diagnosed with XXXX XXXX XXXX by the VA during that time and had many appointments and therapy resulting from conditions aggravated or beginning from the XXXX time period. Come to the payments for my home for XX/XX/2023 and I was unable to keep my agreement for half payments due to curtailment of income from illness and lack of work hours from said illness and appointments. Then a sudden trip to the emergency room to discover another underlying illness exacerbating the pain from an illness I am scheduled for XXXX for. Working with NFCU since late XXXX when NFCU escalated the loan to demand remedy, the only option presented was short sale, not an offer of special forbearance or any other method. The foreclosure is set for XX/XX/2023. The examiner for the mortgage loss has repeated asked me to have my employers XXXX and my VA XXXX XXXX XXXX unethically change the return to work date to a longer period before the first exam after the XXXX. My employer requires release to work to be determined by the XXXX XXXX XXXX XXXX has to review me after the XXXX to confirm I can go back to work or extend the leave at the time of the first XXXX XXXX appointment. I have not had this requested on my prior XXXX with this same loan. I have not ever experienced this unethical behavior with either of my XXXX prior home loans.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/XXXX upon trying to purschase a Automobile from an independent dealer, I was giving a link by the dealer to leave a deposit of {$500.00}. Shortly after the deposit a series of Unathorized XXXX payments where debited from my Navy Federal Credit Union XXXX account. made to the same dealer I made the {$500.00} deposit to. I contacted XXXX and the Seller. The seller assured me he would fix it and that he had issues with this in the past. He never did and I never bought that car. It was a whole scam. I called XXXX and opended a fraud claim and discpute. They never did anything for me and I am dealing with this again on this. the transactions are as follows : XX/XX/XXXX {$500.00} ( authorized deposit ) XX/XX/XXXX {$1500.00} ( NOT authorized ) XX/XX/XXXX {$1000.00} ( NOT authorized ) XX/XX/XXXX {$1000.00} ( NOT authorized ) and XX/XX/XXXX {$500.00} ( NOT authorized ). Total unathourized charges total {$4000.00}!! I never KNOWINGLY made these payments listed in my complaint attached with EXCEPTION to only XXXX of them ( {$500.00} made on XX/XX/XXXX ). Again The {$500.00} was for a down payment for an automobile purchase thru an independent car dealer that scammed me. I never ended up buying that car. So therefore, THAT charge of {$500.00} I DID make and I own up to that loss. However, as mentioned. after I paid via XXXX thru a link he provided me my XXXX Checking account was accessed without my authorization or knowledge and these erratic zelle payments were made without my consent! Again, The ONLY valid charge should be the {$500.00} XXXX payment to XXXX XXXX on XX/XX/XXXX. The rest of the payments made to that person were done without my authorization! I was account hacked let alone phished into this sale of a car that was grossly misrepresented and did not drive! These charges should and must be reversed and credited back to my account! This is a HUGE loss for me and my family. I have XXXX small children ( now XXXX old and a XXXX XXXX XXXX XXXX to take care of! NAVY FED Not getting my money back based on these circumstanced and facts provided made it clear to me this may be a violation of REG E that protects me! Regardless if XXXX has a no charge back policy. My filing is for UNAUTHORIZED ACCESS and UNAUTHORIZED Payments made without my knowledge! Please help me get my money back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22150
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Attached are the fees associated with my account going back to 2020, as that was the furthest back I could go with an online search. You will notice that until the XXXX XXXX XXXX Lawsuit, the overdraft fees were called Returned Check Fees. After the moratorium during the XXXX XXXX XXXX Lawsuit, they changed the name of the fee to Insufficient Funds. You will notice that many of the Insufficient Funds or Returned Check Fees are same day fees. This is for two reasons : ( 1 ) they are repeat fees for additional attempts from the same business or ( 2 ) they were incurred as a direct result of reorganizing the transactions to ensure maximum fees incurred. As a direct result of the bank participating in these ethically questionable practices, I have been unable to maintain my checking account balance. In XXXX, last month, after I received three charges for the repeated attempt to process a payment from an autopay company through XXXX, I immediately went to my XXXX account and removed all autopay companies in the account. It happened again this month, despite my effort to ensure the fees weren't incurred again. Please advise.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 1099C HAS BEEN FILED AND ACCEPTED DEBT HAS BEEN DISCHARGED AND PAID COMPANY IS STILL REPORTING NEGATIVE REMARKS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I have {$3500.00} stolen out of my navy federal credit union account by XXXX XXXX I filed a case with them and due to XXXX XXXX sending a receipt that is was sent they denied it. I appealed it and in XX/XX/XXXX I was denied again. This money was put back for my XXXX XXXX if any medical was needed. They till this day thro phone call after phone call for 4 months wasted my time. My XXXX XXXX become injured and needs to go to the vet I even told them. Navy Federal credit card has a zero fraud liability on there main sight and me I'm XXXX XXXX by the stat of Missouri. The have descrimante against me even then knowing I have a XXXX XXXX many times basically telling me I'm stupid and there not gon na do anything. Not in them exact words. But I want my money and tiered of the 4 months of XXXX XXXX from them
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 638XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Chief Financial Officer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Identity Theft Affidavit - Request for Immediate Action To whom it may concern, I, XXXX XXXX XXXX XXXX, am writing to you as a victim of identity theft and to bring your attention to my rights under the Fair Credit Reporting Act ( FCRA ) as outlined in various sections of the law, including 15 USC 1681a ( 3 ), 15 USC 1681e ( b ), and FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( b ). Your company has failed to assume its vital role in making sure the accounts reporting on my consumer report are accurate. You have received numerous documents regarding information to support my case of identity theft. Shall you continue to ignore my request and deprive me of my rights, I will begin taking legal action against your company pursuant 15 U.S.C. 1681n! According to 15 USC 1681a ( 3 ), your company plays a vital role in ensuring the accuracy and integrity of the information they report. As a consumer, I rely on your agency to fulfill its responsibility to maintain accurate consumer reports, especially in cases of identity theft. Furthermore, 15 USC 1681e ( b ) stipulates that your company is entitled to have the maximum possible accuracy when reporting information. It is clear that these accuracy standards must be upheld to protect the interests of consumers and maintain the integrity of credit reports. Most importantly, FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( b ) emphasizes the requirement for your company to promptly investigate and delete inaccurate information resulting from identity theft. As outlined by this law, I hereby request the immediate deletion and blocking of all inaccuracies resulting from the fraudulent activities associated with my identity. Below are listed all of the accounts on my consumer report that are fraudulent due to identity theft. Navy Federal Credit Union Credit card XXXX XXXX Navy Federal Credit Union Installment - XXXX To support my claim of identity theft, I have attached the following documents for your reference : 1. A copy of my government-issued identification. 2. Copies of relevant police and identity theft reports filed with the XXXX Police Department and FTC. I expect your agency to take immediate action to investigate and resolve this matter in accordance with the FCRA 605B 15 U.S.C. 1681c-2 ( a ) ( b ). Specifically, I request the following actions to be taken within four days of receipt of this letter : 1. Delete and block any inaccurate information resulting from the fraudulent activities associated with my identity from my consumer report. 2. Provide me with a written confirmation of the deletion and blocking of the inaccurate information. 3. Provide me with a copy of my updated and accurate consumer report, free of charge. *Please note that failure to comply with the provisions of the FCRA will result in legal action being pursued against your agency. * I appreciate your attention to this matter and your cooperation in resolving this issue promptly. I look forward to receiving written confirmation of the actions taken within the specified timeframe. If you require any further information or documentation, please contact me at the email address provided below.Thank you for your immediate attention to this serious matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91103
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: NFCU repossessed my vehicle while I was XXXX XXXX XXXX, without a court order, which I believe is I violation of the Service-members civil relief act
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80911
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I receive a notification from the XXXX app on my phone. The message says that " NAVY FEDERAL CREDIT UNION recently checked your XXXX credit file for an installment loan or new bank account. ". I don't open any new account with any lender, I have frozen my credit report. Don't recognize this application. In effect is an intent of fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PR
Zip: 00778
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navy Federal is currently reporting inaccurate information to the consumer reporting agencies to my detriment and in addition to them reporting inaccurate information, they stole {$1000.00} out of my checking account that I needed to use to pay my bills and take care of my children 's needs. They are currently reporting that an alleged auto loan that I had with them is charged off but failed to provide the 1099C to me. They are currently damaging my credit worthiness, credit standing, and reputation as my credit score is completely tarnished with this negative account unlawfully on my report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27704
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My card was used fraudulently and charged thousands of dollars l. I reported this to the credit card company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A