Date Received: 2023-07-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: We spoke multiple times with Navy Federal that we could not see our transactions online, and they couldn't fix the issue but only stated we have reached the max transactions to view online. When we asked what the number was, they were considered max, and they could not provide it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 38632
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received an email from XXXX who reports XXXX and I see that Navy Federal Credit Union has reported a charge off to my public report. This is a violation of the privacy act of 1974. Navy Federal has shared nonpublic personal information with a third party. That is a {$1000.00} violation fee. Navy Federal has also reported a " Charge off '' to XXXX. A charge off is a certificate of indebtedness and is not to be reported to a third party. This charge is to be removed from the public immediately. That is also a {$1000.00} violation. It is illegal to report nonpublic personal information to a third party unless a financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. In which Navy Federal has not given that option to the consumer. I have a right to opt out of that reporting and Navy Federal has never given me the option to opt of transaction reporting pursuant to 16 CFR 313.7. Navy Federal was given tender of payment to which they did not accept. Pursuant to UCC 3-603 ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. Navy Federal has reported to this third party company five ( 5 ) times since XXXX and that is a {$1000.00} violation for each time Navy Federal has reported. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. An open-end account is a revolving account. Open-end credit means consumer credit extended by a creditor under a plan in which : ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. Navy Federal has been requiring Federal Reserve notes as payment, when in fact the application with the financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. Furthermore I have noticed that Navy Federal has been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to the Code of Federal Regulations, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Furthermore, the open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) that is on file with account no # XXXX and payments made in good faith ( 15 U.S.C. 1692 ( h ) ) by the applicable law ( 15 U.S.C. 1602 ( j ) ) ( 14 CFR 374.3 ) while choosing to make unauthorized electronic fund transfers ( 12 CFR 1005.11 ( 1 ) ( i ) ). You are not supposed to report any late payments ( 15 U.S.C. 1666 ( b ) ) for any purpose and you have caused me damages by reporting late payments to third party credit bureaus. You did not provide me any recession documentation ( 15 U.S.C. 1635 ) & ( 12 CFR 1026.23 ) in accordance with regulations of the Bureau. The appropriate forms for the obligor to exercise his right to rescind any transaction was never disclosed to me. This is my recession, and you are to return to me, the obligor, all money and property given as earnest money ( 12 CFR 1026.23 ). Also, on XX/XX/XXXX Navy Federal received a negotiable instrument and did not return it. It was sent to XXXX XXXX XXXX on XX/XX/XXXX. This is a breach of fiduciary duty which is also a {$1000.00} violation. By furnishing my nonpublic personal information to a third party I demand that Navy Federal remove all late payments and Charge offs. XXXX is not a federal agency and Navy Federal has reported my nonpublic personal information ( social security number ) to a nonaffiliate pursuant to 5 USC 522a. Navy Federal has been given a billing error dispute and has refused to acknowledge them. 15 U.S. Code 1666d, Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent 3 letters to Navy Federal asking them to provide me with documentation required by law with my signature showing I had some contractual obligation to pay them this alleged debt for {$6700.00}, they are reporting to the Credit Bureaus. They have refused to respond. I am also filing a complaint with the XXXX and my state attorney general XXXX XXXX because I have documented proof they have violated federal and state laws. I have asked for validation associated with this account, bearing my signature. In the absence of any such documentation, I am formally requesting that this information be deleted from my credit files immediately. On XX/XX/2023 at XXXX XXXX Navy Federal signed for my XXXX letter requesting within 30 days to validate the account or delete it. They did not respond or delete the information. On XX/XX/2023 at XXXX XXXX Navy FederaXXXX signed for my 2nd letter, informing them by not replying in a timely manner ( 30days ) to my initial letter dated XX/XX/2023, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. On XX/XX/2023 at XXXX XXXX. Navy Federal signed for my 3rd letter informing them they also did not mark the account as being " disputed '' required within 30 days under federal law. FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( B.I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29045
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The parish government refunded me for grass liens that was mistakenly charge to my 2020 tax bill. The tax bill was paid by my mortgage provider Navy Federal Credit Union from my escrow account. The check was issued by Navy Federal Union Credit Attorney XXXX XXXX XXXX. Since the grass liens payment was paid by XXXX XXXX XXXX the refund check was issued to XXXX XXXX XXXX. The local government gave the check to me, then I mailed the check to XXXX XXXX XXXX XXXX Navy Federal Credit Union 's instructions. Navy Federal Credit Union said XXXX XXXX XXXX would send the funds back to Navy Federal Credit Union. Then the funds would be credited to my escrow account. Well, the payment has yet to by credited to my escrow account, and when it does get credited the funds will be excess the legal amount to be held in my escrow account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I put in a fraud claim to Navy Federal Credit Union for charges made on my Checkings account that were not mine on a foreign island I went to for a Scuba Diving trip in the beginning of XXXX of 2023. I was on the island of XXXX, XXXX XXXX XXXX from XX/XX/2023 through XX/XX/2023. The charges began around the XXXX of XXXX towards the end of my trip and ran all the way through the XXXX, 5 days after I had already come back to the United States and blocked my card. I was not notified of these transactions until the XXXX and by then there were numerous transactions on the card. Even after blocking my card, all pending transactions that were not mine were still processed and taken out of my account. I called a representative on XX/XX/XXXX after going through my account and seeing how many transactions were actually made to put in a fraud claim. After speaking with the representative who was helpful and even said himself that the charges looked obviously suspicious, the total amount came out to {$680.00} after separating fraud charges from my actual transactions. I was assured that I would receive provisional credit within the day and in the worst case scenario it would be 10 business days. I patiently waited for the credit to be issued and it never did. I called again on XX/XX/XXXX to speak with a representative that informed me my claim was denied and the only information I got was that after an investigation, no errors were found. I found it unprofessional as I was not even asked to provide any documentation to provide my claim and I had plenty from screenshots to multiple transactions in the same amounts of XXXX and XXXX with an absurd amount of international transaction fees directly under. It was clear that someone was abusing my card information. It was especially evident considering these transactions were still being made days after I was off the island and back in the states. I was also in possession of my card the entire time therefore it did not make sense that there were reoccurring international transactions on my card from an island I was no longer on. On XX/XX/XXXX I made valid purchases in the amount of {$200.00} from an ATM in my city of residence and there were still foreign transactions being made. It simply is not possible for me to be in two places at once. Upon my request to have a second review made into the matter I provided my flight itinerary proving I was already back in the XXXX and multiple photos of charges on my account that were evidently not mine as they were repeatedly in the same amounts at the same location. On XX/XX/XXXX I contacted a representative on the matter and was put on hold multiple times when I asked for a detailed explanation as to why my claim was denied the first time. I later received a message from Navy Federal Credit Union stating that my claim was denied due to discrepancies in the information I provided. However, prior to the second claim no documents were provided and the only information to go off was what the representative and myself spoke about. Today I received a letter stating that again no error was found despite the ample amount of information supporting my claim I provided. It is unjust and I fully believe I was not given a fair investigation and every time I requested detailed information, I was put on hold or given vague responses.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: The following is the complaint I filed with Navy Federal : 1. I opened a Navy Federal XXXX XXXX XXXX XXXX account online and listed my XXXX as the primary since he is the XXXX member. 2. We are not Navy Federal members so we had to open a mandatory XXXX XXXX XXXX in order to qualify for the XXXX XXXX. I opened the accounts online but had to call and talk to a Navy Federal representative to initiate the wire for XXXX and an XXXX for {$10.00} to fund the XXXX account. I provided the XXXX XXXX routing and XXXX account number for the XXXXXXXX XXXX XXXX 3. The {$10.00} XXXX went through just fine. 4. We decided to increase the amount going into the XXXX and add another XXXX 5. I called back Navy Federal CU and initiated another wire for XXXX by providing the same info as before, XXXX routing number and out checking account number. 6. After a few days, I called Navy Federal to see why the XXXX had not been funded with XXXX XXXX XXXX XXXX into the XXXX then another XXXX for a total of XXXX in new money for XXXX XXXX XXXX and thats when this whole issue started. Navy Federal said that the funds were returned and the new accounts were permanently restricted. The customer service rep at Navy Fed would not speak with me about anything and instructed me to talk to their XXXX Team. I had to call several times because the hold times for this department are in the HOURS! When I finally got a person on the line, not only would the Navy Fed Security rep. not give me any information since I was the secondary on the account, they were rude and unhelpful and treated me like a criminal/fraudster/scammer right off the bat. Since I have worked in banking for over XXXX years, this was highly offensive so I requested the accounts be unrestricted so they could be closed, but that person at Navy Fed never unrestricted the accounts. Then the accounts started to accumulate fees. 7. I reached out to the XXXX dept. at XXXX XXXX ( WHERE I WORK! ) to see what was going on. First I spoke to the XXXX in XXXX, XXXX XXXX and explained the situation. What was discovered is when I initiated the wires and XXXX I used the XXXX digit account number XXXX uses for everything : online banking, verify accounts and identity, XXXX transfers, and deposits and withdrawals. I was not aware that the account number for wires is XXXX digits and can only be found on a physical check. When the wires attempted to come through without the XXXX digit account number, the XXXX was rejected as unable to locate account. This triggered some kind of Fraud/Suspicious activity alert with XXXX XXXX XXXX NO ONE from XXXX XXXX called to see what was going on. Once the issue was identified, we could have easily initiated another wire for XXXX with the XXXX digit account number but the terrible customer service ( Security at Navy Fed hold times were in the hours, wouldnt give me info because I wasnt the primary on the account, rude customer service at the branch and on the phone, lied to about the accounts being unfrozen, assessing fees to put the account in the negative, etc. ) from Navy Federal was enough for us to NOT want to do business with them. My employer, XXXX XXXX was offering their own CD promo and we kept our money with XXXX. XXXX The wire was rejected as unable to locate account due to not having the full XXXXXXXX XXXX account number but XXXX did NOT flag us as being suspicious or fraud like Navy Federal CU did. This was a relatively easy issue to fix but Navy Fed made the process unnecessarily arduous. 9. Instead of having a XXXX CD investment with Navy Fed , we were faced with an account in the negative. We actually owed Navy Federal {$30.00} and the account was in the negative after they assessed return check fees. I went to a local branch to get the fees waived. They only waived one fee, so the we paid {$15.00} to Navy Federal after all the hassle we were put through. 10. In XX/XX/2023XXXX XXXX months after this debacle, the XXXX XXXX is investigating us regarding this situation with Navy Federal CU. My XXXX holds a top secret clearance. Again, this is very troubling and upsetting to both us because the future implications of this are unknown and this situation continues to haunt us as now we're unable to open any new accounts anywhere after being reported to XXXX XXXX XXXX, despite the assurances from Navy Federal that we were not reported. Navy Federal representatives offered XXXX solutions to fix the problem, only offering terrible customer service time and time again. In NO WAY was any of this situation suspicious, even if this was a new account. This has placed undue stress on us and we have A + credit and don't deserve to be treated like criminals. And now the onus is on us to rectify the situation. 11. Now we have to dispute XXXX XXXX XXXX because XXXX XXXX reported us. Navy Fed won't assist us in this dispute. I'm faced with more terrible customer services and once again XXXX solutions to this situation they caused. I'm asking for some kind of letter from XXXX XXXX to
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80907
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX. The first incident took place at my work place, my debit card was taken without permission or consent by an employee who was making multiple unauthorized transactions without my permission, the Dates of the transactions were XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, the credit was awarded to me than it was taken back. " I've filed police report for both incident, a complaint letter notarized by the clerks office. and Navy Federal Affidavit of forgery " XXXX. The second incident happen when I was making a {$20.00} Dollar withdraw from the atm at a XXXX, I pulled my debit card out after receiving the funds and realize my chip was scratch, assuming there was a skimming device in the atm, I crush my card together and threw it In the trash at the store, I left that day for my flight, day later when I'm returning I go back to use my account I realize there had been {$10000.00} cent missing from my account from multiple different XXXX across New York, I immediately called navy federal to cancel my debit card, after submitting a fraud claim navy federal has refused to give me my funds back and have gave me a difficult time and argued with me and the funds were for the purchase of my vehicle to go to work, I had to call my sister to purchase my flight back for me fast forward today navy has blocked access to my debit card and has not returned none of the funds and I'm still not able to purchase my car, I need this resolved immediate please and thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
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: PLEASE REFER TO COMPLAINT : XXXXXXXX XXXX Subject : Complaint against XXXX XXXX and NFCU for Violation of the Electronic Fund Transfer Act ( EFTA ) XXXX am writing to file a formal complaint against Cash App and Navy Federal Credit Union ( NFCU ) for their alleged violations of the Electronic Fund Transfer Act ( EFTA ) . I believe that both financial institutions have intentionally and repeatedly attempted to limit their liability under the law and impose prohibitive requirements to investigate unauthorized electronic fund transfers ( EFTs ). According to the EFTA ( 15 U.S.C. 1693a ( 12 ) ) and the provided regulation, an unauthorized electronic fund transfer refers to a transfer initiated by a person other than the consumer without the consumer 's actual authority, from which the consumer receives no benefit. In such cases, the consumer 's liability is substantially limited for the incurred loss. In the email response received from XXXX XXXX ( attached ), it is evident that they refused to acknowledge the unauthorized nature of the electronic fund transfers made to XXXX XXXX for the purchase of a vehicle. XXXX XXXX stated that they are unable to cancel, or refund completed payments and advised me to resolve the issue directly with the recipient. However, under the EFTA, the financial institution has an obligation to promptly investigate unauthorized EFTs upon receiving notice from the consumer. The financial institution may not delay the investigation or require the consumer to file a police report or contact the merchant prior to initiating their error resolution investigation. XXXX XXXX 's response appears to be in violation of the EFTA and its accompanying regulations. Their refusal to investigate and resolve the issue directly contradicts the protections afforded to consumers under the law. Furthermore, their suggestion to involve law enforcement before conducting their own investigation imposes a burdensome requirement that is not supported by the EFTA. I believe that NFCU, as the underlying financial institution that facilitated the transactions through Cash App, may also bear responsibility for potential violations of the EFTA. It is important to note that financial institutions must comply with Regulation E obligations, and any private network 's rules should not limit consumer protections beyond what is provided in the EFTA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 022XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Last Friday I contacted NAVY FEDERAL BANK about suspicious activities on my account. XXXX representative accused me of lying and she then closed my account because she knew my Social Security check would be deposited today I called before today and was told I could still access my money today only to discover thats untrue.. I had my daughter to drag my partially paralyzed body to the bank.. they said my I.D was expired.. so we then obtained a new ID Card went back to the bank.. only for them to tell my daughter because I have issues speaking they refused to help me and is not releasing my Social Security check.. its not their right to withhold my money especially since I complied with everything they requested its discrimination because Im sick and its awful NAVY FEDERAL HOLDS YOUR SOCIAL SECURITY CHECK BEWARE XXXX!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29016
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A