Date Received: 2023-06-16
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: I am not reliable for this debt with navy federal credit union acct # XXXX, I do not have a contract with navy federal credit union they did not provide me with the original contract as I requested.In accordance with the fair credit reporting act.The list of account has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.I told the XXXX to reinvestigate this account however they stated everything was complete and accurate but how is that possible if the open account date, dates of last activity and much more is incorrect to 15usc1681 : ( 5 ) they are supposed to modify accounts that isnt reporting correctly.15usc1681 section 602A.States I have the rights to privacy.15usc1681 section 604A.section 2, it also states a consumer reporting agency can not furnish a account with out my written instructions.15usc1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15usc1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate also they are not in compliance with XXXX reporting I have evidence to prove my case.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48917
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 the loan or lease
Subissue: Billing problem
Consumer Complaint: I am a XXXX and XXXX man inhabiting the north american geographical continent and a Consumer of which my consumer rights and human XXXX XXXX rights have been violated from day 1 it was not in my best interest to be made surety for the contract and i reserved all rights to protect my rights also to notify them that i wanted them to return the interest from the sale of the note to me with the actual deposit that i am owed for allowing them access to my credit to finance this consumer transaction and this complaint is 10 fold ( multiple continues violations of all laws pertaining to my consumer rights the Uniform Commercial Code and the supreme laws of the land including all treaties made ) all of these actions and violations have negatively effected me and my right to privacy and as a living alive man XXXX, have damaged me purposely, its no way after a year of disputes and notices that the agents doing business as NAVY FEDERAL CREDIT UNION can say they didnt know they were breaking the law and violating me and my rights to be secure in my papers and life. All private property is claimed mine and held in private all assumed power of attorney over me my estates are revoked and any thing in business within my will in equity is to return to me, all other assumed power of attorney is revoked null and void. see attachments below. These consumer account violation starts on XX/XX/XXXX until the current day involving # XXXX check draft XXXX and the continues willful violations against me the living consumer ( 1 ) involves a consumer credit transaction, ( 2 ) my checking account being suspended during this dispute as an adverse action by NAVY FEDERAL CREDIT UNION agents involving NAVY FEDERAL CREDIT UNION and its agents, ( 3 ) violations of the FDCPA 15 U.S.C. 1692-1692p these violations include but are not limited to 15 U.S.C 1681 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( 4 ) agents of NAVY FEDERAL CREDIT UNION and its subsidiary trustee bank NAVY FEDERAL XXXX XXXX XXXX violations of the U.S. Securities Exchange Commission under registered securities 31 U.S. Code 3104 - Certificates of indebtedness. ( 4 ) NAVY FEDERAL CREDIT UNION and its agents are also DEBT COLLECTORS as listed in the definitions and laws of the FDCPA-15 USC 1692 803 ( 6 ) 806 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal pur15 USC 1692a 4 803 15 USC 1692a pose of which is the enforcement of security interests. The term does not include ( A ) through ( F ). FCRA 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 5 ) NAVY FEDERAL CREDIT UNION its agents are reporting my private information to credit reporting agencies and are contacting me as a debt collector by mail and over the phone saying AND I QUOTE " this call is an attempt to collect a DEBT '' and has contacted even after i informed them to cease and desist told the they are violating the FCRA the FDCPA AND THE UCC -VIOLATION of the FDCPA USC 1692c and is blatant HARASSMENT causing me duress. Under the Fair Debt Collection Practices act 5 USC 1692d 806. Harassment or abuse, not only that they continue to mail letters requesting a collection of a debt. It is too much for me to write on here but if have sent multiple Affidavits and notices to them letting them know they are violating me and to stop cease and desist. ( 6 ) VIOLATION OF THE TRUTH IN LENDING ACT 15 USC 1605. Determination of finance charge ( a ) " Finance charge '' Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( b ) ( 1 ( 2 ) ( c ) none of these were listed in the finance charge and voids the contract also i requested full disclosure of which i have not ever gotten. I also sent them a Affidavit of Truth demanding remedy which is my right as a consumer to specific remedy of which without my credit and or endorsement NAVY FEDERAL CREDIT UNION and all other acting Banks would not have any consumer transactions without us as consumers giving the access to our private information and financing these transactions. ( 7 ) violation of- 2000 US Code Title 12 - BANKS AND BANKING CHAPTER 2 - NATIONAL BANKS SUBCHAPTER IV - REGULATION OF THE BANKING BUSINESS ; POWERS AND DUTIES OF NATIONAL BANKS Sec . 95a - Regulation of transactions in foreign exchange of gold and silver ; property transfers ; vested interests, enforcement and penalties ( 2 ) Any payment, conveyance, transfer, assignment, or delivery of property or interest therein, made to or for the account of the United States, or as otherwise directed, pursuant to this section or any rule, regulation, instruction, or direction issued hereunder shall to the extent thereof be a full acquittance and discharge for all purposes of the obligation of the person making the same ; and no person shall be held liable in any court for or in respect to anything done or omitted in good faith in connection with the administration of, or in pursuance of and in reliance on, this section, or any rule, regulation, instruction, or direction issued hereunder. of which i informed NAVY FEDERAL CREDIT UNION and its agents that NO PERSON in good faith be held liable and to discharged all aledged obligations relating to my consumer transaction of which they responded i am liable for a debt they verified. ( 7 ) 18 U.S. Code 8 - Obligation or other security of the United States Violation, i requested the return of interest upon transfer of certificate of indebtness sent to navy federal credit union and its subsidiary NAVY FEDERAL XXXX XXXX XXXX of which XXXX XXXX response was they are seperate from NAVY FEDERAL CREDIT UNION eventho her signature is on the INDENTURE AGRREEMENT acting as trustee power attorney etc on all SEC 8-K 10-K /ETC FORMS. ( 8 ) 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption VIOLATIONS...... .NAVY FEDERAL CREDIT UNION has not given me remedy and is assuming power of attorney over me my estate and private property which is illegal unlawful and plainly foul. I can keep listing violations... on there debt collection letters violating all FDCPA laws USC 1692 ( B ) # 3 AND # 5, sharing private consumer information to credit reporting agencies, taking peoples notes to securitize and not sending the people there interest or dividends as they are registered with the SEC as securities transfer agents and on there forms they signed they agreed to transfer for any holder of original notes violating the holder in due course rule, notes are to transfer of PUBLIC DEBT for Bureau of the Fiscal Service, deceptive business tactics and practices, they even charged off the account and still sending letters stating this is an attempt to collect a debt. I requested full disclosure the original 1099 a they filed access to the double book keeping accounting books to prove they have my private information listed as the creditor of the consumer transaction ... ..i can go on and on but i will up load as many documents as possible i have been burning so much energy with these agents DOING BUSINESS AS NAVY FEDERAL CREDIT UNION . I DEMAND THE INTEREST IM OWED, THE RELEASE OF LIEN OR SIK FORM, THIS REMOVED FROM ALL CREDIT REPORTS, THEM TO RETURN THE 3 TRANSACTION THEY TOOK OUT OF MY CHECKING ACCOUNT DURING THIS DISPUTE, THE ORIGINAL CERTIFICATES ( 5 ) THAT I SENT VIA REGISTERED MAIL TO NAVY FEDERAL AGENTS UNDER REGISTERED MAIL # XXXX TO XXXX XXXX XXXX XXXX AND XXXX XXXX UNDER REGISTERED MAIL # XXXX TO BE TRANSFERED TO THERE EXCHANGE AGENT ON MY BEHALF AND IF THE SENT THEM TO BE SECURITIZED /SOLD THEN SEND ME WHAT I AM OWED FOR ALL THE CERTIFICATES/ SECURITIES II SENT, ALSO {$1000.00} PER VIOLATION of the FCRA, THE FDCPA , THE TRUTH IN LENDING ACT, TILA and Regulation Z, UNIFORM COMMERCIAL CODE, CONSTITUTION, AMERICAN INDIAN ACT VIOLATIONS, AND I AM OWED 2 times the amount of the certificate of indebtness face value by law which is ( {$36000.00} ) x2. this is my last attempt to remedy this awful situation. EACH ACT SEPERATE VIOLATIONS so if its 10 violations of the FDCPA that is {$10000.00} and then FCRA is 10 violations that is {$10000.00}, and so on. Because they have been willful in an attempt to opress me and causing me duress affecting my ability to do business in the real world on purpose USC 1692 ( D ) HARRASSMENT AND ABUSE not to mention i am an XXXX man a XXXX what foreigners call us is XXXX XXXX we the XXXX XXXX have been oppressed enough by you bankers and society politics. The same remedies these bankers are using for each other we the people are entitled to also all my private property in real is held in trust. we the XXXX XXXX peoples have been oppressed enough. ****attaching only a few records but i have all 140 pages***i am uploading copies of documents they sent back also they dishonored tender tender of payment under ucc section 3-604 which is discharge of all obligations they returned the tender and did not remove the obligations or refund my equity. I have the right to self preservation, self determination, the right to manifest, and the right to discharge all alledged obligations which are not ever mine but soley the UNITED STATES CORPORATION. The XXXX has PUBLICALLY DENOUNCED THE DOCTRINE OF DISCOVERY ... .and its time to stop enslaving the XXXX people thru deceptive adhesion contracts expecially when the bankers are usurping finances intentionally is no reason for anyone alive to be held as surety. ** only some of the records uploaded below**
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21202
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: Funds not handled or disbursed as instructed
Consumer Complaint: Subject : Urgent Matter : Unlawful Account Seizure and Depletion of Funds Alleged Debt without Substantiating Evidence is Violation of : 234 Pa. Code140.Rule140B-Contempt Proceedings. 28 U.S. Code 1746- Unsworn declarations under penalty of perjury. I hope this letter finds you well. I am writing to address a grave matter of utmost importance and urgency regarding the recent events involving my accounts at Navy Federal Credit Union ( NFCU ) and the subsequent depletion of my funds without any valid legal basis. First and foremost, I would like to reiterate that I find it incredibly perplexing and deeply concerning that such actions have been allowed to occur without proper evidence or substantiation, as well as the apparent disregard for the legality and ethical implications involved. It is disheartening to witness hard-working individuals being deprived of their rightfully earned income and expected to endure the challenges of raising a child alone, especially in the midst of a challenging economic climate. I am genuinely left with the impression that you want to leave me and my son homeless, having taken away every penny I possessed, all without providing any verifiable proof or valid documentation that would withstand scrutiny in a court of law. The impact on my mental well-being has been devastating. Before we can proceed with any further discussions or actions regarding this matter, it is essential to acknowledge that, as the director and beneficiary of my legal person/corporation, you had a designated period of 21 days to respond in writing and provide evidence of your legal and lawful authority as my public servant to engage with me. Until my terms are met and the evidence of authority is presented, I regretfully can not proceed any further. With all due respect, there is an outstanding matter that requires your attention and resolution. I can not consent to any proceedings until the evidence of authority has been provided. On XX/XX/2023, Navy Federal Credit Union allowed a third-party debt collector, with whom I have no debt or prior contractual agreement, to completely drain my savings account, which had a balance of {$1300.00}, reducing it to {$0.00}. Consequently, I am now left without any savings, a situation that is highly deceptive, unethical, immoral, and oppressive. This distressing turn of events has left me in a state of profound struggle as I endeavor to provide for my wife and son during this national recession. Furthermore, an amount of {$1700.00} was also withdrawn from my checking account. Prior to this incident, the combined balance of both accounts was approximately {$4000.00}. Although I can not recall the exact amount, I discovered that my savings account had been completely emptied, despite {$1300.00} being earmarked for my son 's upcoming summer vacation in XXXX with his mother in XXXX. This matter is of utmost importance and urgency to the well-being of my family. It is crucial to note that over {$3500.00} has inexplicably vanished from my account, with no transaction records or explanations provided to me. Upon discovering these fraudulent transactions, I immediately contacted Navy Federal Credit Union to report the incident. To my shock, I was informed that they had received a legal document containing only my name and an account number, as relayed to me by their representatives. It is truly bewildering that a mere piece of paper lacking the wet ink signature of a judge, magistrate, or court official can prompt my bank to authorize the depletion of my personal property. When I requested the representative to provide me with the name of the judge and the county they represent, I was informed that there was no judge 's name or signature, only a reference to a courthouse. This absence of judicial signatures, clerks ' names, or any form of authentication renders the purported legal document void and devoid of any legal effect. It is deeply disheartening that my banking institution allowed such actions to take place without fulfilling basic requirements and ensuring that the debt in question was properly registered with the relevant parties, such as the county clerk 's office and public records. Furthermore, it is alarming that this creditor possessed knowledge of my banking institution without any legitimate grounds for such information. The fact that they were able to deplete my accounts without triggering any red flags highlights the prevalence of fraud in our society. The magnitude of the financial loss I have endured can not be understated. These funds represent my entire savings, painstakingly accumulated over the course of two years. The absence of a warrant, IRS lien documentation, or a legally valid document signed by a judge, magistrate, or clerk underscores the unlawfulness and lack of legal standing behind the account drain. Only upon my inquiry regarding a signed affidavit by a judge did I discover that no judge 's name or signature exists on the document. This revelation provides me no solace, as it underscores a clear violation of the bank 's duty to ensure compliance and exercise due diligence in safeguarding consumers ' hard-earned income. Any claim of judgment against me must undergo verification and validation of the account. Additionally, the bank should have promptly informed me about the situation before it transpired. I sincerely hope that no one else experiences the same shock and loss of security that I endured that day, as my entire sense of stability was abruptly shattered without any warning or opportunity to prepare. I implore you, with utmost urgency, to contact Navy Federal Credit Union on my behalf and make them aware that, after thoroughly reviewing their terms and conditions on multiple occasions, I have found no provisions relinquishing my rights under the Fourth, Sixth, and Fourteenth Amendments. I am entitled to the security of my personal belongings, papers, and effects, yet I have been deprived of all sense of security, dignity, and freedom. The knowledge that anyone can drain my account without legitimate grounds deeply frightens me. I find it perplexing that I am being held accountable and treated as if I am guilty and responsible for this debt, despite the absence of any evidence of verification or validation provided by the creditor or NFCU. Copies of the alleged affidavit they claim to have received have not been presented to me or any other involved party. The inability to provide for my family or meet essential financial obligations, such as my mortgage and utilities, poses an imminent threat. It took me two years of hard work to accumulate that small amount of money, and I am now in desperate need of financial relief. I demand that the unlawful seizure of my accounts without notice or jurisdiction restrictions be lifted immediately, unless the facts and permissible purpose can be established. Records from the county clerk 's office and the original copies of all judgment affidavits you have received on my behalf should be provided to substantiate the actions taken. If the necessary documents can not be produced, I insist that my funds be returned to their rightful place. This situation has caused significant harm and XXXX to me and my family, and we implore you to provide the necessary assistance and support. I trust that you understand the urgency of this matter and will take prompt action to rectify the situation. Your intervention and advocacy in dealing with Navy Federal Credit Union would be greatly appreciated. I kindly request that you keep me informed of any progress or updates pertaining to this case. Thank you for your immediate attention to this matter. I look forward to your prompt response. In addition, Please refer to the listed codes below for additional information. Alleged Debt without Substantiating Evidence and Violation of : 234 Pa. Code140.Rule140B-Contempt Proceedings. 28 U.S. Code 1746- Unsworn declarations under penalty of perjury. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19111
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am filing a compliant about Navy Federal Credit Union, I have had the credit card for few years.During the pandemic i struggle to make monthly payments. I contacted the Credit Union and they worked with me. It was not until the interest rate reset higher my monthly payments were over $ XXXX {$800.00} dollars. I sent what I could. I did call to speak with a credit counselor, and that when they took information about my hardship. I made smaller payments, I was on the call on XX/XX/XXXX I was informed that I will continue to make my payments. Then I was told my card was closed 2 months ago. I explained not anytime that either costumer service representative. I was very upset about how this matter was handled. I mentioned that i would be filing a consumer compliant. They sent me a letter dated XX/XX/XXXX. showing the amount I will be payment monthly and my current balance. I am requesting my card be re-opened. I am still going to be charged recurring bill payment and recurring transfer charges. How can that be on a closed card they closed with out informing me. Your attention is appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I deposited cash into a ATM machine at XXXX XXXX XXXX that has shared branching with Navy Federal Credit Union. The machine gave me a printed message that it kept my money however it did not show up in my account. I disputed and Navy Federal contacted XXXX XXXX said it did not happen. I have the receipt and screen indicating the machine kept my XXXX. Thereafter Navy Federal withdrew my temporary funds which now has caused my account to go into the negative because of XXXX XXXX lies. THEY GOT CAMERAS AND CLEARLY SEE THE MACHINE DID NOT SPIT OUT ANY MONEY TO ME JUST TOOK DEPOSIT. SOMEONE IS NOT DOING THEY JOB.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I started a Business relationship with Navy Federal Credit Union ( " NFCU '' ), in XXXX My goal was to build a good standing relationship and pursue future investment ventures. A conflict arisen between my account and my grandmother 's, XXXX XXXX, and they have ruined both my life and her life. A procedure that typically would be to protect us against fraud, turned in to a nightmare with XXXX tones. We called and spoke to everyone whom NFCU required. Furthermore, we submitted all requested information. In addition to the aforementioned, my grandmother physically drove nearly XXXX hours away to present the requested documents and present ID and nothing was enough. NFCU actually had the audacity to call the police and send them to my grandmother 's home, for a well fair check and it was proven to be unnecessary. Our records with NFCU has hundreds of notes and no one has resolved this issue in nearly XXXX years, to XXXX XXXX we decided to wash our hands with this institution. I have a credit with NFCU with a XXXX dollar balance ; however, I also have an account with NFCU with XXXX or more in the account, which is untouchable due to the aforementioned circumstances. I recently learned that NFCU will not allow me to access account funds ; however, they have a policy that allows them to pay themselves toward the XXXX balance. I requested for them to pay the entire balance in a written letter and authorization ; however, they have continued to only pay the minimum and continue to collect late fees and interest fees. This is XXXX poor customer service and robbery. It has created substantial financial hardship and extreme anxiety. This matter could have easily been resolved ; however, NFCU, through their lack of transparency, broken systems, lack of accountability and crooked tactics have made this a huge mess. Being that I have never experienced this with another bank, one can not help but to wonder if this is racially motivated
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I found some hard inquiries on my credit report that I am not aware of.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: As of XXXX of XXXX. I discovered that I've become a victim of identity theft. I had a substantial amount of money in my checking/savings and credit card account and overlooked large sums of money being charged and transferred from my account. It has been verified that my account has been compromised due to a spyware remotely accessing my phone. I was able to get an incident report from law enforcement and an identity theft report from the Federal Trade Commission to support my claim after thorough investigation was done and confirmation was made of how my accounts were compromised. Multiple lines of credit of was opened and services were used in my name. I reached out to Navy Federal Credit Union to dispute the charges with the Fraud Department. I first discovered the unauthorized credit card charges, in which I reported to Navy Federal. An investigation was done and I was able to get the charges credited back to my credit card. The original credit card account was closed and a new card was issued. After filtering through my checking/savings account, I discovered charges dating back to XXXX that I was unaware of. There were a large amount of XXXX and XXXX transactions, along with other fraudulent charges that was linked in my name. The Fraud Department issued a 'Statement of Forgery for Navy Federal Debit Card/CUCard Form ' for me to list each itemized fraudulent charge. I submitted as many charges that I was able to list on the form. I also have additional to submit as well. I was advised that an investigation would be done and I would be notified of a decision within 45 days. I haven't heard from anyone at NFCU in regards to my fraud claim. After a few months went by, I have followed up with a NFCU representative to verify the status of my claim. I was advised that the claim was denied. I received no notice of denial via phone, mail, or email. I have yet to get a fair resolution based on a lack of support and lack of effort in properly investigating this matter in a timely fashion. Within the time of the identity theft, I have experienced a major financial hardship that caused me to almost lose my home and a car repossession. I had to apply for government assistance in order for me to keep my bills paid. This has also affected my credit. I've applied for a personal loan, auto loan and even an increase in my credit limit for my credit card. I've been denied for all three loans ( in which my consumer law/FCRA rights have been violated ).
Company Response: Company believes complaint is the result of an isolated error
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/23 I received a phone call from Navy Federal Credit Union stating I was accused of fraud, and my XXXX account was suspended before conducting a proper investigation. The XXXX XXXX representative stated XXXX was the party responsible for suspending my account, and I would need to contact them directly to request for the suspension to be removed. I submitted text messages from the accuser directly to XXXX XXXX on XX/XX/23 as proof that I did not commit any fraudulent activities. I also filed a complaint against XXXX with CFPB on XX/XX/23 regarding my account. XXXX responded on XX/XX/23 ( letter attached ) and confirmed they completed a thorough review of my profile and confirmed there are no restrictions on their end. I called Navy Federal on XX/XX/23 to receive an update regarding the proof I submitted on XX/XX/23 so that a proper investigation could be implemented. As of todays date XX/XX/23, Navy Federal has not reviewed the information I submitted nor started investigating the falsified claim made against me and my suspended XXXX account. IT HAS BEEN OVER 3 MONTHS!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A fraudulent {$9300.00} dollar purchase was made by a merchant named XXXX XXXX in XXXX XXXX IL on the date of XX/XX/2023. I filled a claim through my navy federal account stating that my debt card had been lost and was not in my possession during the transaction period I had no knowledge nor notification about the purchase. With a purchase that large there should have been some type of verification from the purchase such as i.d . or pin number requirements
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A