Date Received: 2023-07-05
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: On XX/XX/2023, Id been in the process with Navy Federal of getting a Letter of XXXX XXXX that I could move forward with the sale of my vehicle. I provided all the information that the Navy Federal requested to proceed with this process and cooperated fully. I explained that I was trying to complete the sale on that day ( XX/XX/2023 ) due to the possibility of me not having time throughout the rest of the week to go through with the sale of my vehicle. I was told that the process might take some time, but the possibility of my receiving the letter on XX/XX/2023 was doable. Around XXXX XXXX, I spoke to a representative in XXXX XXXX regarding my Letter of Guarantee to see if it would/could be processed that day. Id also explained that I was at the dealership, and they were waiting for the letter to complete the sale. I understood it couldnt be done that day, but the representative told me my Letter of Guarantee would be available that day ( XX/XX/2023 ). She told me to check my email and the Navy Federal e-message for the letter within the hour. I hung up and waited for the letter but did not receive the letter at all. On XX/XX/2023, I called back to find out what happened to see why I hadnt received the Letter of Guarantee yet. Id further explain that I might not have the same time to complete the sale if the letter was not sent promptly. I still have not received the letter at the time of this CFBP submission, and I am still waiting. I was told false information from the last representative I spoke with in XXXX XXXX on XX/XX/2023. If this process could not be completed on that day, she should have relayed that information so that I could have done something outside the expectation that Id receive the letter that day. Im very unhappy with the customer service, deception, and inconsistency.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22193
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023, per the FCRA, I notified Navy Federal Credit Union that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78213
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Navy federal has cancelled my membership and closed my account and refuses to send out a check for the remaining funds. They want me to come in the branch to withdrawl my funds but the branch is over 50 miles away and all my money is this account, i have no means of transportation to get to the branch. I am suffering from XXXX which makes it extremely difficult to travel far. And navy federal needs to send out check with my money to my address on file. My account number is XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10013
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I received a notice via USPS dated XX/XX/2023 from XXXX XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, regarding a mortgage account with Navy Federal Credit Union. Within the letter there is a section labeled " How can you dispute the debt ''? It advises me to respond by XX/XX/2023. Today XX/XX/2023 I received a second notice labeled as Notice of Nonjudicial Foreclosure Sale from XXXX XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Per Georgia Attorney General 's Consumer Protection Division 's website https : //consumer.georgia.gov/consumer-topics/debt-collectors XXXX XXXX XXXX XXXX, XXXX must give me the allowable time to dispute the debt in its entirety or partially. The first notice from XXXX XXXX XXXX XXXX, XXXX stated that I have until XX/XX/2023 to dispute the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: During XX/XX/XXXX, I saw a parked car for sale and contacted the owner. The owner identified himself as XXXX but preferred to be called XXXX. He brought the car XXXX XXXX XXXX XXXX over so I could test drive. Agreed to purchase the car and applied for an auto loan with Navy Federal Credit Union. The loan, acct. # XXXX, was approved and check provided to seller while the car was having last minute small repairs done. The seller reported that his bank had the check on hold an waiting to be released. After 3 days contacted Navy Federal who reported the check was cashed. XXXX stopped answering my calls. Reported all to Navy Federal who requested I contact the police. Made a report on XX/XX/XXXX to the XXXX XXXX XXXX Police Department, case # XXXX. I never received the car and I owe the credit union for the amount of the loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 I have an inquiry on my report from navy federal that I never applied for. The information is inaccurate and I would like to have this inquiry removed and corrected
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29506
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I made a deposit with two checks ( # 1 {$110000.00} & # 2 {$10000.00} ) from the US Treasury at a local Navy Federal Credit Union ( NFCU ) branch and per their funds availability policy the funds were made available to me the next business day. However, 24 hours after the deposit, and having made the funds available, NFCU opted to then arbitrarily put an extended hold on the funds and reversed the availability from my account. NFCU did this without warning ( an email was sent after the fact ). NFCU provided no factual rational that justified their actions, and I was told by an NFCU employee that the hold was placed because the checks had a high probability of not being paid, which made little sense as the checks were US Treasury checks. NFCU 's policy does allow for extended holds to be placed on funds for up to 5 days. However, their policy does not state that fund availability is subject to reversal after an initial hold has elapsed and funds have been made available. NFCU was not acting in good faith when it released the funds and then reversed that release without any fact based rational, evidence, or indicators of fraud. By NFCU 's explanation and rational, a customer has no way to tell when the funds actually become available, i.e., the customer can not rely on the balance shown in their account at any time until 5 business days have elapsed after the deposit as NFCU can reverse the availability at any time without warning or proper justification.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2023 Navy Federal Credit Union XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, VA XXXX Subject : Billing Error and Missing Remittance Coupon for Cash Rewards Credit Card - Account Number : XXXX Dear Navy Federal Credit Union Billing Error Department/CFO , I am writing to address a billing error and a missing remittance coupon regarding my Cash Rewards Credit Card account with Navy Federal Credit Union . I am reaching out in accordance with the provisions of the Uniform Commercial Code ( UCC ) Section 3-603 and UCC Section 3-311, which govern negotiable instruments and are relevant to this situation. On XX/XX/2023, I received a billing statement indicating a charge of {$3500.00} on my Cash Rewards Credit Card account with account number XXXX. However, according to my records, this charge has already been paid in full on XX/XX/2023, through a negotiable instrument, specifically a check payable on demand by the bearer. As per UCC Section 3-603, a person who has already paid an instrument in good faith and for value has the right to the discharge of the instrument. Therefore, I kindly request that you update my account records immediately to reflect that the aforementioned charge has been satisfied and the instrument has been discharged. Additionally, I have noticed that the remittance coupon associated with the aforementioned negotiable instrument has not been returned to me. According to UCC Section 3-311, the remittance coupon is an essential part of the instrument, and its loss or non-return should not affect the underlying obligation. Therefore, I kindly request that you locate the missing remittance coupon and provide it to me as soon as possible. I urge you to handle this matter promptly and in compliance with the UCC provisions mentioned above. I kindly request that all future communications regarding this matter be sent to me via mail. Please provide a written response to the address mentioned above. Thank you for your immediate attention to these concerns. I expect a timely response and a satisfactory resolution to rectify the billing error, discharge the instrument, and provide the missing remittance coupon in accordance with the applicable UCC provisions. Your cooperation in this matter is greatly appreciated. Yours sincerely, XXXX XXXX XXXX, XXXX XXXX Agent Without recourse Enclosure : A second remittance coupon Sent certified mail XXXX delivered XX/XX/2023.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19006
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A