Date Received: 2023-08-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b. Also Company has NO permission to report ANYTHING using my info pursuant to 15 USC 1681a ( 4 )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Navy Federal Credit Union has been charging me NSF fees frivolously for the past 2 years starting XX/XX/XXXX. I have in the past let the issue go, and just ended up paying. However I have had major hardships in my life that has caused me to run out of funds and I could not catch up to all the back to back NSF fees that they are charging me. I have stopped using my debit card and checking account when I saw that my account was at negative {$80.00} in the middle of XX/XX/XXXX. I have been in contact with NFCU and ask them to please help me and not charge me since NFCU did not lose any money and the merchant did not lose money as well. However the constant charging my already negative checking account just kept on happening. So to this date my account is at NEGATIVE {$450.00} all because of NSF fees. Please see the bank statements attached.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Navy federal keep charging my business account XXXX XXXX XXXXXXXX XXXXXXXX Fees
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am a victim of identity theft, my passwords were compromised and my two-step verification was changed. I sent in an appeals form to Navy federal credit union about this situation. I would hope navy federal credit union can understand my situation with provided evidence and continue the banking relationship.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had an authorized user on my account named XXXX XXXX. I sent a message using my NFCU online banking to let them know on XX/XX/XXXX that I wanted him taken off of my account as an authorized user. I have used this avenue to remove authorized users in the past with no issues. So at that time I assumed he was no longer on the account. Then, on XX/XX/XXXX XXXX XXXX XXXX initiated a {$100.00} cash advance from my account to his checking account. On XXXX when I realized this, I immediately messaged NFCU to find out why he was still on there as an authorized user. We went back and forth with them finally saying that the removal was never finalized because I had to respond to their response saying that I confirmed that I wanted him removed. I never had to respond before for that. Me giving them notice that I no longer wanted him to have access to the account was enough of a notification and he should have been removed. I want my {$100.00} back that he cash advanced because he should not have been on the account at that point in time. The following is their response to my inquiry about this issue, " XXXX XXXX, thank you for your follow up message. We did reply to your message on XX/XX/XXXX, acknowledging the request, however, we needed further confirmation from you in order to complete the request to remove the authorized user. XXXX XXXX has been deleted as an authorized user of your XXXX XXXX account. You continue to remain responsible for the entire balance, including any charges made by a deleted authorized user. Please allow 1-2 business days for the removal to reflect via Online/Mobile Banking . Your user 's removal will be updated with all major credit bureaus on or around the next statement closing date of XX/XX/XXXX. If we may be of further assistance, please let us know ; we always consider it a privilege to assist you. ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I have hard inquiries on my credit report & they were supposed to use my EIN & not my social This company & inquire are on my XXXX report Navy Federal XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 61571
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was contacted by an individual by the name of XXXX XXXX, who represented a funding company by the name of XXXX XXXX XXXX XXXX He informed me that the company specializes in funding small business start ups. He went over the details of the company 's lending procedures and then had a {$30000.00} check mailed to my home address. I took the check to my financial institution ( NAVY FEDERAL CREDIT UNION ) in order to have it deposited and a few days later received a letter from my bank informing me that the check was no good, that it was a fraud. I called the bank 's ( NAVY FEDERAL CREDIT UNION XXXX security & fraud lines numerous times in order to see what I needed to do to get assistance with this matter & I was informed that there was nothing I could do and they had no one to assist me. I attempted to reach out to the individual who I had been in contact with throughout the funding process and was not able to contact him or find any information online. As a result my financial institution ( NAVY FEDERAL CREDIT UNION ) blocked/froze my all my accounts. I tried to make a cash deposit and the teller was not allowed to take my cash. I submitted a fraud claim to the Federal Trade Commission. I gathered what information I could & submitted it to my bank in order to appeal the blocking of my accounts and it was denied. I tried to go to another financial institution ( XXXX XXXX ) and open an account only to be denied because of the block/freeze from NAVY FEDERAL CREDIT UNION XXXX As a result of some fraud/scam I am suffering & being punished for the greed of others without direction as to how to hold the perpetrator accountable and resolve this horrible situation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: My complaint concerns a check sent to me by the United States Treasury, which was intercepted during transfer, stolen, and cashed fraudulently. The check was deposited to an account at the Navy Federal Credit Union by a person other than myself and who did not have my authorization to do so. I do not have an account at the Navy Federal Credit Union, so their agent recommended that I contact CFPB for assistance. I have attached photocopies of the front and back of the check that was cashed fraudulently.. The back of the check contains account numbers and additional information that should be sufficient to identify the responsible party. This information should reported to the appropriate authorities. Please note : In the event that CFBP is not the appropriate agency to pursue a claim of fraud as described above, please either forward my complaint to the appropriate Federal agency or kindly provide information that will enable me to follow up.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Navy Federal continue to report to the consumer credit bureaus that my credit card it over the limit and the charges are from fraudulent unauthorized charges in which is effecting the consumer credit reports and credit worthiness in a negative manor. I have disputed the fraudulent charges and did an appeal, this is violation of Federal codes a XXXX has been effecting providing for my family
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I'm trying to get my credit updated and XXXX person that keeps calling are calling at bad times and expect me to drop everything and answer her questions. She will not give any contact information so that I may call her back. Her name is XXXX. she will not allow me to speak with her supervisor either. I really need help and XXXX is not the one. Just horrible in courtesy and professionalism.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A