Date Received: 2023-06-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I submitted a dispute of this information to Navy Federal and received a letter stating that it would be removed and honored. I get an alert from CFPB stating my investigation was done and not honored. So someone is sending out conflicting information and I would like this reinvestigated and removed IMMEDIATELY. I will not honor 30-60 days anymore. I will take legal action.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was XXXX in XXXX XXXX XXXX during the time this loan was initiated with Navy Federal Credit Union. During this time I did not have cell phone service or wifi. It was impossible for me to pull the loan. Ive called and asked them about it and they did confirm it was electronically signed. Ive recently been able to get a copy of my credit report and identity errors such as this because Ive taken a break from XXXX. From XXXX Ive XXXX XXXX times with the XXXX XXXX . All to places where I did not have cell phone service or wifi. The account number of this loan is XXXX. This account was fraudulently opened by someone who accessed my account during this time of my first XXXX. Please resolve this issue and remove it from my credit report. Ive already filled out a report with identitytheft.gov and contact navy federal and was offered no resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am a NFCU member and have checking and savings accounts with them. Due to the fact that I live far from a NFCU branch, I've opened a checking account with XXXX XXXX XXXX to make atm deposits and then transfer funds to NFCU with my debit card, which funds becomes available immediately, since they are processed a cash advance. Today I deposited {$200.00} at XXXX XXXX XXXX and then called NFCU 's automated system to make my transfer as usual. When I was finished entering my XXXX XXXX XXXX debit card information and transfer amount for {$200.00}, I got a voice response from NFCU advising me that there was an error on my transfer and transfer was not completed. When I checked my XXXX XXXX XXXX account, my balance was {$0.00} and it showed a {$200.00} transfer to NFCU account. I immediately contacted NFCU to see where my funds were and why my funds was not posted to my account, since transfer was made with a debit card and becomes available immediately, and the representative said it was because it was the end of the day. I told her that those types of transfers becomes available immediately, so I was transferred to a supervisor named XXXX who told me that NFCU had rejected my transfer, but she could not give me more information, saying that there was an address mismatch. I then contacted XXXX XXXX XXXX and the representative put me on hold, then the call got disconnected and then it came an automated voice system saying that the bank was already closed. My {$200.00} funds are not on my XXXX XXXXXXXX XXXX or NFCU account and nowhere to be found and both XXXX XXXX XXXX and NFCU are not taking responsibility on this situation, yet, my money is being held on one of the two banks and I have no further information about it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In XX/XX/2022 my identity was stolen. In XXXX XXXX XXXX I was evicted and locked out of my home and lost everything that I owned. My children and I were separated while I lived in my car. I began having difficulties identifying myself with my school and other creditors. Shortly after I was locked out of my accounts completely and no way of validating my identity. By time I was able to correct things they had already did a number on my identity. I contacted navy federal credit union, and I was informed that I am responsible for all charges without even an investigation I have police reports each time my identity was stolen and they didnt except any of my information just wanted me to pay for the {$5000.00} in charges that was not done by me. All fraud
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I spent a year in XXXX my information was stolen by XXXX XXXX XXXX in the country including my passport. The group cloned my phone and created fake credit cards and debit cards and made many transactions I was unable to report the information because I was still in the country and the threat of violence was a constant and I was under duress and my coworkers also so even leaving the country and reporting the issues was life and death. I had my apartment broken into and had my computer and other personal items stolen which I reported to the local police in XXXX and I asked them to use discretion because the perpetrators are unknown. I reported everything when I returned to the United States and my coworkers were all back on American soil. My bank NAVY FEDERAL denied my claim and refused to return the money and credit my credit card accounts. They returned some money to my personal account of {$560.00} but denied all the bigger claims even with police reports and emails from the XXXX Attorney General. I have provided all the proof that is available to me as a XXXX citizen in a foreign country. Navy Federal Bank is not alerting me to why they are denying my claims until I have to keep calling for answers. This is an ongoing problem with the bank ive learned through various social media sites. The incident began in XXXX of XXXX, They were alerted to the situation when I returned to the United States and to help track the stolen money I had to hire a private XXXX. The supervisors of the fraud department agree with my evidence and don't know why the claim keeps getting denied and this can be verified with the tapped conversations. Also, the investigator is not reading the emails that I keep sending because they are responding without reading the information and making various mistakes. I fear I will lose my money in retaliation. The investigation has been ongoing since XXXX of XXXX it is now XX/XX/XXXX 2023
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: So I bank with Navy Federal Credit Union here in XXXX GA, My name is XXXX XXXX XXXX. Two issues and the dates in question are as such : On XX/XX/XXXX. I instructed my brokerage firm XXXX XXXX to wire My Account with Navy Federal Credit Union ending in XXXX the sum of {$100000.00} in Order to purchase a new vehicle. XXXX did the XXXX XXXX and Navy Federal Credit Union accepted it. Instead of Navy Federal simply transferring that " Federal Wire '' to the dealership, they had me come into the branch ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ) to then ( keep in mind that XXXX XXXX XXXX XXXX XXXX ) to get a cashiers check ( which they ultimately didnt give me I had to go to XXXX XXXXXXXX XXXX XXXXXXXX GA XXXX since the fill in they had that day failed to tell me I simply could have gone into the teller line and got the check after the person who was supposed to send the wire ignored her request to do so and took another customer ) and proceed to drive two hours from my home in XXXX to purchase said vehicle from the dealership. My question is why the hard time? since I have been a member since XXXX and have been receiving funds from that brokerage firm into that account since XXXX and very large sums I may add. The second incident occurred on XX/XX/XXXX with the Security department. So after having received two wires on XX/XX/XXXX in the amounts of {$970000.00}. the other of {$16000.00} dollars, from XXXX XXXX, a company which i receive a monthly income from might I add and again a place where I have received very large sums of cash before. I go into the Navy Federal Credit Union branch located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX to send the wire, I sit down with the Services department and take all the necessary steps even provide 2 forms of identification as instructed. Navy Federal then sends the wire of {$970000.00}. to a frim XXXX XXXX, which is a property company with specific instructions to have it wired to another financial institution XXXX XXXX ( XXXX ). They send the wire, then the next morning XX/XX/XXXX, XXXX a security hold has been placed on my account ( I was notified of this in person at the branch on XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ), with instructions to have me contact the security department, I am then put on hold for 2 hours when I reach someone and I quote mind you its on a recorded line that " they are going to need confirmation from the financial institution who sent you the funds ( mind you this is not the first time I have received large amounts of cash as well as a monthly payment from XXXX XXXX XXXX nor will it be the last ). We then contact our financial advisor with a person who was on a recorded line from the bank security department asking '' where is the verification request? " The representative at Navy Federal Credit Unions Security Department tells the representative from XXXX XXXX stated on XX/XX/XXXX at XXXXXXXX XXXX EST standard time they sent a verification of funds request to XXXX XXXX this what he told us at XXXX XXXX EST on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX then searches for said request through their entire datebase as we even later that day wait another two hours with Navy Federal Credit Union department, finally speaking to a young female at around XXXX XXXX EST with a representative from XXXX XXXX firm inquiring about that request who stated on a recorded line " you can not speak with a manager and we dont know who long the request will take to get to XXXX XXXX '' Basically tying up over {>= $1,000,000}. of my person funds until they so called " receive a verification of funds " from XXXX XXXX who continue to stress : XXXX ) They have no received such a request from Navy Federal Credit Union Security department and XXXX ) Its a Federal Wire. And so after getting basically blown off by the young lady from Navy Federal Credit Union Department on XX/XX/XXXX. I attempted to go into the Branch today XXXX XXXX XXXXXXXX to close said account and retrieve all funds, I was told in the branch located at XXXX XXXX XXXX XXXX XXXX GA XXXX by the manager that they could close the account but I could not retrieve my funds since they haven't received clearance from the security department at Navy Federal who has not received a reply for the " verification of funds '' from XXXX XXXX who repeatedly states " they have not received said request from Navy Federal anywhere. '' Now XXXX XXXX XXXX XXXX XXXX and its is a lot harder for me to move around than the average person, my question is it there company policy and if so why now all the suspsicion? Because it is clear to me if it was illicit funds or any type of suspsicion activities ( such the claim the security guy made on XX/XX/XXXX on a recorded call ) I would not have been or allowed to continuously receive my monthly dividends payments to this account and to this bank. I have been dealing with this insititution at this capacity for over 5 years. I have purchased my home through Navy Federal with funds transferred through XXXX XXXX as well as commercial property. Now because of the constant delays and no answers from the security department at Navy Federal I have missed out on a home closing, I can not feed myself, nor can I do they daily things I need to do because of this security hold on my account which Navy Federal has not dealt with in a very professional manner at all. I AM XXXX and the individuals within the Navy Federal Credit Union has ULTIMATELY AND UTTERLY REFUSED! to speak with me about it. I am formally claiming discrimination as I believe due the the color of my skin and the amount wired they found it hard to believe a XXXX man in a XXXX could have that type of money, now I have lost out on money and property and the ability to take care of myself due to the fact that NAVY FEDERAL CREDIT UNION has my account locked and I can not access {>= $1,000,000}. of my money. They have been unprofessional through this whole process and I truly believe that it is because of the color of my skin. These complaints are also to include the Security Department of Navy Federal Credit Union, as well as the training department of financial institution, I am also filing a complaint against the manager at branch : XXXX XXXX XXXX, XXXX GA XXXX, and also against the Branch at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX, the way they conducted themselves is not within the decorum of the institution which I have entrusted my finances with for over 5 years. The level of unprofessionalism and simply silence from Navy Federal Credit Union about this matter has left me with a huge mistrust in the institution which i was beginning to really love simply because of how my name sounds or the color of my skin. Regards, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
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: It is XXXX to report inaccurate information on an account in accordance with the Fair Credit Report Act. Currently, my credit report shows inaccurate information and a charge-off. I request that these accounts be permanently removed from my credit report since I have not given written permission to have them supplied on my credit report. 15 usc 1681a2 a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agency. This isif thepersonknows or hasreasonable cause to believe that the information is inaccurate. I request that these accounts be permanently removed from my credit report since I have not given written permission to have them supplied on my credit report. What are the ways in which your company reports CHARGE-OFF ACCOUNTS with NEGATIVE STATEMENT BALANCES and has inaccurate information with different credit agencies?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: aprox 3 weeks ago I contacted a navy federal rep to give me an answer regarding why payments and reporting was not being done correctly also to explain to me the increase in interest charges. I got a very rude lady who used many XXXX slurs on me and when I called to complain by secured messages I was jumped on by the reps supervisor which led to THEM CLOSING MY ACCOUNTS. I tried again and again to try and speak with a neutral party in an effort to resolve them up to XXXX. I have been a good member since 2019 and expected better than this type of behavior. on XX/XX/XXXX they realized the error in closing my accounts without full paid off and sent me a come on you don't really want to close your accounts with us? After receiving this letter I once again tried to communicate with them only to be blocked from any further communication with them. I called a rep once again and she refused to help me at all and when I ask for there legal dept I was hung up on after waiting 45 minutes on hold. Finally I lashed back at them and basicly told them to stuff it as they wanted me to do. These events have turned me into something I am not but after there employees treated me with hate and refused to settle the matter they wish me to give them an external account that they may openly debit. I called all parties in my two remaining banks and they refused to let me do this and that includes XXXX XXXX. They are pushing me into default with no means of settling the matter
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Hello! My situation is unique, and your options don't coincide with what's going on. So, I will explain it below. I applied for a personal loan on XX/XX/23 on Navy Federal Credit Union 's website. I keep my credit reports frozen, so I lifted the freeze just to apply for this loan. I asked for $ XXXX, but was counteroffered $ XXXX on XX/XX/23 online. Before declining their offer, I decided that I wanted to apply for an auto loan instead to pay off my XXXX XXXX XXXX. So, I emailed XXXX XXXX on XX/XX/23 asking if I did this, would they be pulling my credit again because I didn't want them to. They responded with a vague answer that it was up to the discretion of their lending department but they couldn't guarantee that they wouldn't pull it again. At this point, my credit reports were frozen again. So, I declined their personal loan offer on XX/XX/23 & went ahead and applied for the auto loan. Again, I emailed them asking them whether or not they'd have to pull my credit when they just did so on XX/XX/23. The response I got today, XX/XX/23, was the same vague one they sent me before. Then, they said I could call customer service and follow the prompts to the lending department after I asked for a lending manager to call me. So, I called XXXX at XXXX XXXX & eventually spoke to XXXX once their automated system called me back. They had a lot of customers ahead of me. I explained the situation to XXXX & he said that he didn't understand why customer service didn't just explain that the first report they pulled on XX/XX/23 was for a non-collateral personal loan. The report they tried to pull yesterday from the same credit reporting agency ( XXXX ) was for a collateral loan, and it's just their policy to pull it again. It doesn't make sense, but that's their policy. When I emailed them earlier today, I emailed my credit score along with proof that they already pulled my credit 3 days ago. My credit hasn't changed in 3 days & the vague email response just keeps stating that it's up to " their discretion '' whether or not they will use my XX/XX/23 credit report. If it's up to their discretion, then they are saying that they have the ability to use the report that they already have in their possession to make their decision on my auto loan application if they choose to. Them trying to pull it again yesterday would've caused me to lose more points from my score had my report not been frozen, and that's not okay with me. When I asked to speak to a manager earlier today, I wasn't given that opportunity. I'd like to apply for this loan with them, but I will go to XXXX, if necessary. This policy is illogical & doesn't seem to protect the customer at all.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27545
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I was notified of fraudulent transactions on my business checking account with Navy Federal from the XXXX XXXX. Checking the statements, i noticed transactions from as far back as XXXX. After speaking with my business partners and making sure neither one of them made or authorized the transactions, I called Navy federal and filed a claim. I also went online and searched XXXX contact information and reached out via email and told the rep of the unauthorized transaction. She told me she could see that transactions was not authorized by anybody with my email or name but since it was fraudulent charges that my bank had to go thru my bank to file the dispute which I told her, I just had done. About a week goes by, I tried to login into my business account and it was restricted. I immediately call navy Federal and one of their security reps basically treats me like a criminal and questions the claims that I had filed and did I have somebody else influence me to file the claims. Then she tells me the account is going to be permanently restricted and they would let me know the updates of the claims. I received an email about 2 weeks later that the claims have been denied. Navy federal failed to ever contact XXXX and dispute the claims and denied them off 0 basis. I told them that I can get a police report if needed. Ive attached the email communication between me and XXXX and a photo of all the unauthorized transactions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A