Date Received: 2023-07-07
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: I purchased 2 tickets for XXXX XXXX back in XX/XX/2023 for {$320.00}. The show was in XX/XX/2023 and I never received the tickets. I contacted XXXX several times via chat asking for my tickets they told me that they were going to be mailed but they never was. Then I asked XXXX to let me get a refund, transfer, or sell the tickets but they wouldn't let me because they said they were being mailed. 7 days prior to the show they still were not mailed, I couldn't get a refund, transfer them, or sell them, so I reached out to XXXX again. A few days before the show they were available to mobile download and thats it. I couldn't use the tickets and so no one use the tickets. I disputed all of this with the bank, sent numerous chat messages between me and XXXX showing they wouldn't help me with the tickets. Eventually my bank credited me the money back {$320.00} after about a month after the dispute and I thought I got my money back. Recently, I noticed a withdraw on my account for the tickets again and so I called the bank and they told me that they were just balancing out my credit card account because I got a new card with updated expiration date and that I hadn't actually got charged again. Today, I got a letter in fact telling me they charged me again for {$320.00} saying XXXX didn't do anything wrong. It seems every time I have a dispute with my transactions my bank doesn't protect my purchases.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89002
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: XXXX XXXX XXXX XXXX Fl,XXXX XXXX Account number, XXXX Navy Federal I refinanced my vehicle with navy federal on XX/XX/XXXX, and my initial interest rate was 6.09 %. Within the contract, it notified me that I had 90 days to add Navy Federal as a lien holder to the title. I did not add navy federal to the title. Navy Federal waited until XX/XX/XXXXXXXX XXXX XXXX to change my interest rate to 16.35 %. According to the contract Navy Federal had 90 days to enforce that clause of the contract but Navy Federal waited over 960 days to enforce that portion of the contract. Navy Federal did not enforce the contract until it was convenient for them. After raising the interest rate the agency told me that if I add them as the lien holder within 90 days of the interest increase they will put any additional money paid towards the principle of the loan. The agency enforces the contract out of retaliation. The contract clause should've been implemented within 90 days of the contract being signed. I have never been late on a payment and I have never missed a payment on the loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32780
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
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: Ive contacted all three Credit Bureaus regarding Navy Federal Credit Union Credit Card for {$15000.00}, now it been sold to XXXX and the Inquiry that are on my report is also not mine XXXX XXXX is giving me the most issue with this and will not help me nor remove this Fraudulent Account After sending them a New Police Report and a Letter showing this is Fraud what they are doing is Illegal. Before all of this I tried to have this fixed with the Credit Union Directly letting them know & showing them Proof that I never opened this account Ive never had a Credit Card with with them what so ever nor had I lived at the address they had for me in Texas EVER, they also refused to give me copys of the Credit Application.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94588
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Other banks arent letting me open an account or locks my accounts because there is fraud on a black webs years ago when some stolen my card from XXXX XXXX and XXXX XXXX XXXX and tried to commit fraud and the bank representative told me it wouldnt affect me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I submitted XXXX fraud claims in my checking account and it was denied. I had lost my card and called the bank immediately when I saw the transactions that are unauthorized. Navy Federal denied my claim and is taking the provisional credit back. Now I do not have enough money to pay my rent. I will be overdraft. I tried to tell them my situation but they told me they will not provide credit. instead I could appeal the decision which will take months. I do not know what to do. I am poor. I just lost my parents and I have no one to turn to. I claim I was given notice. the other claim no notice at all and they just deducted the money from my accouhnt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2023, {$300.00} they just filed a complainant didnt give me information inregards to the next steps
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: YOUR COMPLAINT I am filing a complaint against XXXX, XXXX, and XXXX Credit Reporting Company. I have contacted them on multiple occasions and a quick fix is done, but it reverts back to either reporting another persons information or not at all. Specifically with XXXX, after removing again someones information they state had a name similar to mine but a different social security number now approximately 2 months ago, XXXX has decided to completely stop report my credit score completely. Because if they actions as stated above I have been denied credit and charged higher interest rates. I have been denied credit and have paid higher interest fees because of their misreporting and may take legal action if it is not remedied immediately. Include a copy of your drivers license, social security card, proof of address, and the attached screenshot. Please let me know if you have any questions. Navy federal XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove these things off my credit report they do not belong to me. Highest Regards, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navy Federal Credit Union has violated TILA laws and have reported late payments on my consumer report which is illegal and they reported while the accounts was in dispute. I have spoke with Navy Federal Credit Union numerous times to get this issue resolved but haven't had any luck to getting this matter resolved. I have been disputing my auto loans with Navy Federal Credit Union since early XXXX and haven't got any results.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I, XXXX XXXX XXXX, attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid XXXX. XXXX Money order, which clearly states at the bottom that it is a negotiable instrument that I bought and paid for the rights to negotiate. It was made with the proper clauses and provision based on banking law in the amount of {$10000.00} in accordance with HJR-192 Public Law 72-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Navy Federal Credit Union on XXXX XXXX XXXX They accepted my instrument but did not credit my account. I did call today, XX/XX/XXXX and spoke with XXXX in the charge off department. The phone call was recorded. They refused to stand in honor of the law by applying the proper payment ; even with the agreeing that they do accept legal tender, which is what I provided and the ability for the instrument to remain negotiable which is an even greater benefit for them. They stated that the Money Order was a " bad check ''. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they may remain in honor. As it stands, they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on. I've also provided them with reading material on 'The Bank Act of 1933 '. Attached are all correspondence I've mailed to them. When they returned the full payment to me, they also included a response letter to one of my correspondences. That letter came past the 30-day request period. It did not answer any questions I had from my letter. The envelope they mailed also included detailed information of another member I have no business knowing about. Not only have they not upheld their fiduciary duty with me, but they have also failed their confidential agreement with others.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Credit Union authorizes EFT without consumer authorization. Refer to Consumer attachment letter below.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A