Date Received: 2023-07-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account with XXXX closed by in XX/XX/XXXX. Account # XXXX XXXX XXXX XX/XX/XXXX. ( XXXX ) with XXXX dollars in my account. Contacted via E-mail.to transfer the Cash into my Navy Federal Credit Union or any account. Contacted XXXX XXXX ( XXXX ) XXXX for assistance. Negative respond. Reported to the Attorney General/ Arizona XXXX Inform to contact CFPB and also contact XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/2023 a person ( XXXX ) pretending to be from Navy Federal Credit Union 's Fraud department called my cell phone on a spoofed number and asked if I may a purchase of over {$300.00} in XXXX. I said no, and he began " verifying '' the account. I logged on to the mobile app and noticed purchases were being made and money was being transferred from my savings to the checking the entire time I was speaking to him and while he was claiming to have closed the card and the online banking. I immediately called NFCU on another line and asked if their fraud department was on the line and because of the afore mentioned discrepancies and the rep said no, so she immediately locked the debit card and shut down the only banking. Because the individual already had so much information from me, plus the info I inadvertently " verified '' I was transferred to another department as the account was completely compromised and they said they had put a hold on the pending transactions, created new checking and saving accounts, changed my pin and password and prompted me to change my code word. I was further advised the compromised accounts would be closed and the fraud department would investigate how the hacker obtained so much of my information. On XX/XX/2023 I still had not received ANY provisional credits, nor had the fraud department prevented any of the fraudulent charges from going through so I called to check the status of the investigation and when I would receive my funds back. At this point I was advised it would take XXXX business days to complete the investigation. I also asked why the old accounts were still open as I was told they would be closed and why there was a balance on those accounts of approximately {$600.00} as there was no negative balance, even with the fraud when I caught the hacker and called the bank. During the course of that call, the representative contacted the back office and they place a credit of {$360.00} ON THE OLD COMPROMISED account, instead of my new account! When I questioned this, the maintained the I received a provisional credit to the new account WHICH I NEVER HAD. They then tried to further tell me that I had outstanding debits on the old account, which I DID NOT! After going back and forth with the telephone fraud agents and getting nowhere I went in the the branch at XXXX XXXXXXXX, TX and sat down with a banker. We discovered that not only did the fraud department neglect to dispute ALL the fraudulent charges, but also that the {$190.00} they claim was outstanding was already debited from the account on the same day the pending fraud charges came through. She put in disputes for the charges the fraud department missed, BUT NEVER GAVE ME THE CREDIT FOR THE {$360.00} that was placed on the old account and advised I the account would have to be escalated to a senior representative with the fraud department. On XX/XX/2023, NFCU without my authorization/consent or even a letter of notification, transferred {$420.00} from my new checking account ending in XXXX to the OLD compromised account ending in XXXX and also transferred {$640.00} from my old savings account ending in XXXX and another amount of $ {$29.00}. When I called to find out why they had taken my money, I was told it was to settle the outstanding balance on the OLD CHECKING AND SAVINGS accounts, WHICH WERE INVOLVED IN FRAUD!!! I explained that they had not right to take MY MONEY to settle those accounts which were documented to have been involved in fraud! I called several times to have the matter escalated to someone in the corporate offices to investigate, but I was either hung up on by agents claiming to be supervisors, or that they would send me forms to have the account investigated. As of XX/XX/2023 I HAVE NEVER RECEIVED THESE FORMS TO ESCALATE THE MATTER ; NOR HAVE I RECEIVED MY MONEY BACK! I asked for all off the details of the offset be sent to me in writing on XXXX, XXXX and as of today 's date HAVE NOT RECEIVED ANYTHING EXPLAINING WHY THEY TOOK MY MONEY TO PAY OFF A COMPROMISED ACCOUNT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have made multiple attempts with Navy Federal Credit Union as well as the Credit Agencies to CORRECT and INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I have received an Answer to the 3rd Request from Navy Federal Credit Union regarding a specific account ( XXXX ) reporting Utilization. THIS IS A VIOLATAION OF THE FEDERL LW. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. Navy Federal Continues and refuses to delete and remove utilization and ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms of information ANY OTHER ADVERSE item of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. They were Noticed and demanded to STOP and or Adjust the utilization. THEY DID NOT and responded with all information is Accurate. Completely ignoring the Law. I want the utilization corrected immediately!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75252
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2023 I end up getting a email from my bank that a member was added to my account that I never added to the account. I went on my mobile app to see what was going on and I seen a negative balance of XXXX withdrawn from my account and I didn't have that money in the account. Book with the representative to let them know that I did not add a member to member to my account. And in the process the young lady asked me did I put in for fraud claims on XXXX transaction that was given a provisional credit of {$1900.00}. I told her no those transactions were legit transactions. Found out that fraud would be committed on the account they shut the account down and we opened a new account the new passwords to the account. XX/XX/XXXX the {$1900.00} posted to my new account leaving my account a negative {$1900.00}. I asked them if there was any way because I was having my tax refund sent to the account thinking everything was okay if they could put a stop on it or if it would interfere with the fraud that's going on with my account. The young lady told me that I could try to get the money out at midnight when the money is supposed to post to the account. I was not able to do so my tax refund of {$2800.00} was taken for the negative balance that was left the account for the fraud. I was told numerous times by different bankers through the fraud department that if after 10 business days they weren't able to settle the claim that provisional credit will be given back to my account. I told him that I needed my tax refund because I was behind on my car note and that was my money to pay up my car note. I was even told to file a internet crime complaint with the attorney general. I called the attorney general and told them what was going on they told me to file a claim with XXXX because it covers all three departments which is State Federal and local with the FBI. Uploaded the form with Navy Federal Credit Union. Once again each time that I call to try to get an update on how the account is being handled and what is going on as far as my money I'm being told something different each person that I am speaking with and all I get is I apologize that that person said that to you still with the issue not resolved. XX/XX/XXXX I went into the branch to speak with someone personal the young lady and the young man that was supposed to be a manager went over my account with me and said because I did my due diligent and showing that I did not commit this fraud on account that it would take 15 business days and after that I should be able to receive provisional credit on my account. I waited the XXXX business days and nothing was done I go back to the bank to speak with someone face to face again. The young man I was speaking to halfway looked at my account when he seen that I was getting frustrated he decided to call the fraud department. He did not put the fraud department on speakerphone of who he was speaking with he kept the conversation between him and the other individual he kept making statements that he didn't he didn't understand and he surprised himself. After all was said and done he told me moving forward that if I wanted to reach out to the person that was handling my case because it was given to someone to handle that I will have to message them through my Navy Federal portal. The same day I went into my Navy Federal portal wrote a message hoping that the individual that they claim has my case was going to respond back to me. I get a response back that they are sorry that it is a first come first serve basis and that they do not have any updates for me. I have been lied to numerous times each time that I have called for a month now. I did notify them that I am looking to seek legal confrontation. I was told that I had to inform them that I am looking for a lawyer and then file a complaint and next step will be to sue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23224
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/ my co borrower and myself we under contract which interests were at 6 % which was advertised on their website had a lower interest rate at the time. When we closed on the property the interest rate was at 7.5 % which we complained about at closing which we was force to sign the contract.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Navy Federal Credit union recently closed out my account due to 3 payments past due I didnt get anything in the mail stating that my account was going to close out, I contacted Navy Federal in the month of XXXX to let them know I was getting evicted due to not being able to pay rent, I let them know I would be now living inside of my car. I call maybe or around the XXXX to let them know my lawyer and my former employer were in mediation and we were about to reach the settlement process. I let them know Id be getting a settlement really soon, thats when I was informed that my account was closed. I have been out of work for months due to my injury and I informed Navy Federal Credit union of that, I had to obtain a lawyer because the workers comp wouldnt pay for anything and they still havent thats why we are in the settlement process, they still closed out my account. There was nothing I signed stating that if I missed 3 payments my account would be closed out. I asked the representative to provide that to me and she said i didnt sign it. I informed the representative I could obtain a job and have all of my earnings going into the Navy Federal account if they open it back up, I informed her i would do this into the settlement comes in. I also attached documentation of the mediation process with my lawyer, and me living inside of my car, and other things aswell to Navy Federal Credit union. I also received money from the dealership I got the car from because the car had mechanical issues, I signed a agreement stating that the money was to go to the car only. I took some of that money and paid my bills, I told Navy Federal this was money for my car not for bills. Now I am still having issues out of the car, because I chose to pay the credit card and car loan instead of getting everything on the car fixed. I say this to say, when I had the money I paid the debt I owed, regardless of the situation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have made attempts to correct my credit and have been having extreme difficulties each and every time. I have currently been working with the credit agencies to have all accounts and information rectified. Currently after requesting that an investigation be done on all my accounts with each agency I am still finding discrepancies that are holding me back and have been verified. In Particular Navy Federal is using the XXXX platform to provide and gather credit updates and I have recently discovered that they are still reporting items and debt incorrectly. According to Navy Federal I have closed accounts that thy are still trying to collect on and have recorded me at XXXX XXXX in debt with auto loans. I do not own any vehicles. The accounts are listed as closed, but Navy Federal is reporting that this debt still exist even when the account itself has been closed or removed. This needs to be fixed as it is decreasing my overall credit score. Furthermore, I have disputed these debts with XXXX. I have made every attempt to fix this situation. I have spoken to several NFCU employees and have gotten nowhere. I have tried to work with the underwriting department and nothing. This has also stopped me from actually getting a loan for anything else. I cant eve qualify for a bank loan and i've been with my credit union for 12 years. the amount of damage is ongoing and difficult to quantify. XXXX has been less than helpful as they have verified me as a totally different person and even after updates still has all my basic information incorrect. I have made attempts o request my credit report, however because they have my basic identifying information incorrect, I have been unable to obtain copies because they can not identify me at all. Please help
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21701
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 NFCU stole {$140.00} of federally protected money from my checking account. On XX/XX/2023 NFCU returned the {$140.00}. On XX/XX/2023 NFCU knowingly stole {$150.00} from my checking account, NFCU was fully aware this money was set aside to bye food and international stole it with the full intention to try to starve me. All my money comes from XXXX XXXX. I made a purchase with is protected money then returned it and this is the money NFCU has stolen. I have lost all trust in NFCU.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
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: Purchased a TV through XXXX, TV arrived damaged. Went through the refund process with XXXX. Never received a refund to the original card used to purchase the item. After 30 days of dealing with NCFU they then decided that the matter was resolved when XXXX credited an account I had no previous funds on and claimed that constituted a refund. I have sent all documentation to NFCU, and have obliged all requests to resubmit the same documentation to them. Had this been a XXXX purchase this would have been resolved instantly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32901
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I wrote Navy FCU numerous times on these following dates, XX/XX/XXXX and on XX/XX/XXXX. They have never responded to my letters within 30 days and under the FCRA it should be deleted immediately from said person credit file. I sent them a proof of incarceration letter showing my whereabouts when this account was opened.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A