Date Received: 2023-07-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Navy Federal closed checking and savings account saying they did not like some deposits. However, will not release funds back to me. They are holding onto over {$4000.00}. They note that I must go into a branch 26 miles away to collect my funds. I do not have the means to travel 26 miles each, nor spend the 3 hours round trip it would take to do it. I am happy to provide any ID verification requested online and would like my funds transferred to me via ACH or to the address on file.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: fraud was initiated on my account in which i asked for IP addresses and XXXX addresses and no one was able togive me info or reinstate the accounts to be opened for good faith use while still benefiting from all titles rights and interest in my accounts insured by the fdic
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2023-07-12
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: My navy Federal account was blocked and restricted. Due to my account being accused of being open fraudulently. I open the account. I sent in my documents such as identification, Social Security card checks stubs to where my deposits are being deposited into my Navy Federal account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I sent a debt validation to navy federal regarding the accounting on my auto loans XX/XX/XXXX. I asked them to provide : 1. The actual accounting of the loans. 2. A signed invoice ( NOT A STATEMENT ) 3. A Copy of the Contract Binding both parties. I'm aware that the four essential conditions to a lawful binding contract are : 1. Full disclosure ( I was never told that I was creating the debt with my wet ink signature ). 2. Equal Consideration ( you must bring something of value to the table ). 3. Lawful Terms and Conditions. 4. The Wet Ink Signature of BOTH PARTIES ( Corporations can't sign because they have no RIGHT or Mind to contract since they are soul-less legal fictions and furthermore no third party can sign a contract on their behalf. I sent this XX/XX/XXXX. If no response within those 14 days I asked them to discharge my debt. On XX/XX/XXXX they still never sent me the information and I asked them to discharge my debts again. So on XX/XX/XXXX I sent them an affidavit of default by notary. But they still never discharged the debt. Navy Federal has failed to show me the accounting of the loans to show me that they put up anything of equal consideration which is violating a lawful binding contract. I was never told based on the disclosures that I was creating the money with my wet ink signature. First National Bank of Montgomery v. Daly better known as the Credit River Decision references my argument. In this case the bank had not lent XXXX any actual money but simply created a credit on its book, and therefore since nothing of value had been advanced by the bank, it was not entitled to the property that had been given as security for the loan. This is exactly what's happening with my auto loans. Navy Federal fails to give me the information I've asked for.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31763
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: I don't not have a navy Federal credit union credit card. It's showing up on my credit report as a authorized user. I don't know who the primary cardholder or how they got my information to Even add me to thier account... Please remove me asap.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 14450
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 around XXXX XXXX I tried to deposit cash into a Navy Federal ATM. This was at an offsite Navy Federal ATM. {$540.00} was deposited into the machine and the matched stopped working. It went down and displayed an error message. The money did not come back out and no receipt was printed. Navy Federal manager XXXX said they ran an audit and do not show any such deposits made at this machine and no discrepancies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: XXXX is mailing my collection notice to my workplace where are mails are filter in order to make sure it go to the correct personnel relating to work assignment. I have inform them of the situation but they still continue to mail my personal information to my workplace.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Was contacted at home by someone claiming I owed over {$5000.00} for a debt that was supposedly only {$800.00} tried to obtain information about said debt. Representative was continuously rude saying I knew exactly what the debt was and that I owed it. I honestly dont remember this debt. I asked if this was a time barred debt to which I received no response other than I would be recieving court papers in the mail from a local attorney over this matter and once I did I could ask them all the questions I wanted to. I did manage to find the representative I was speaking with worked for XXXX, XXXX, and XXXX. I made sure they had the proper address on file to send me the paperwork ( the rep read it to me I didnt give it ) however if this is indeed a debt I owe, which I dont believe it is, it would be a XXXX year old debt I would like them to A ) stop contacting me B ) Stop violating the law by trying to intimidate and collect a debt that I dont believe I owe and is well past the statute of limitations.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WV
Zip: 252XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To whom it may concern, My name is XXXX XXXX on XX/XX/2022 I had deposited 3 checks into my Navy Federal Credit Union for my friend because he doesnt have a bank account. He did let me know he tried to cash them at a check cashing place but they charge a percentage based on the amount. So we had deposited the checks into my account to which Navy Federal put a hold on my account to assure that the checks wouldnt bounce bank for my safety. I has been almost a year now and I still have a balance in there in the amount of XXXX, I had reached out to Navy Federal, as well as filled out in appeal form and I still have not heard a response so I am reaching out to you guys to get assistance on accessing my account back, please help! Account # XXXX Routing # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I deposited {$460.00} into the atm for my checking acct at navy federal credit union sunday night. the atm stated an error and would return my money. it only returned {$40.00} ( that was stuck and crumpled up ). i informed XXXX XXXX immediately. they started a claim to check the atm. the claim was denied due to no extra funds being found. i asked them to check the cameras due to having money in my hand walking up to atm but no money walking away. they refused and made me file to review the claim. i can not afford to lose that money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70001
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A