Date Received: 2023-06-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am a customer with Navy Federal Credit Union and recently discovered a fee charged to my account associated with a credit card that is not active. To my knowledge, the credit card linked to this account has not been used for a considerable period and should not have incurred any additional fees. Despite the card 's inactivity, a fee was levied on the account on XX/XX/2023. I was not made aware of any policy that would entail such a charge on an inactive account, and I believe this action is unjustified. Upon noticing the charge, I immediately contacted Navy Federal Credit Union to clarify the situation and seek a resolution. Despite my efforts, the issue has not yet been resolved satisfactorily.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94109
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 credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: To Whom This May Concern, I pulled my credit report from each bureau to start the 2023 year. I noticed that there were some inaccuracies in my report on multiple accounts. I decided to mail validation letters to XXXX, XXXX, & XXXX on XX/XX/2023. In the letter I asked for each bureau to verify that the information was correct on the accounts in question. I never got a response from XXXX. XXXX and XXXX both verified all information as being accurate and they responded within 30 days. The information HAD NOT CHANGED AT ALL, BUT WAS CLAMIED TO BE VERIFIED. THIS IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT! I repeated this same process on XX/XX/2023. The bureaus received the Validation letters on XX/XX/2023. The only bureau that responded was XXXX. They sent a detailed copy of my credit report. They were still claiming that the information was accurate. After pulling my credit report once again. ALL THREE bureaus are still reporting different : High Credit Limits Last Reported Dates Date Last Active Date of Last Payment Different Balances The bureaus lied to me and said that the issues were corrected, but they clearly have not been corrected. This a VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. If each bureau is receiving accurate information on these accounts then all the items I listed should be reporting the SAME ACROSS ALL THREE BUREAUS!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 890XX
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: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I called the company on or around the following dates to get assistance with applying for a loan to lengthen the terms and lower my payments of my personal loan that had an original amount of {$40000.00}. I was told that I had to wait 1 year from my original loan date which was XX/XX/XXXX to do this. The are the times I spoke with different representatives which provided this information. XX/XX/XXXX XX/XX/XXXX Im currently going through a XXXX XXXXXXXX XXXX and was being proactive with getting my options to lower my payments. I called XX/XX/XXXX and spoke with an agent who transferred me to a supervisor XXXX to get assistance with a payment that wasn't reporting because of the delay in their system and also ask about the lengthening the loan and was told I didnt have to wait 1 year and could do it at any time but that I had to wait until today to apply so the payment could be posted. I called today and spoke with a rep who assisted me with the application and told me I was denied because of my credit. I currently have a few inquiries because Im trying to get out of this XXXX XXXX situation however if I was given the right and proper information to apply back in XXXX of last year I wouldnt have had this problem. I asked the rep to transfer me to a supervisor whose name is XXXX and he gave me incorrect info about fixing my issue and transferred me to XXXX agent id # XXXX in the finance management department who then transferred me to XXXX in the counseling department. Ultimately after I explained my situation she transferred me to XXXX who is a supervisor in the lending department and I explained that my right to apply months ago was taken away from me due to false information being provided by their company and he pretty much said thats not their issue. This has to be a violation of my consumer rights and prohibited me from having the option to have a lower payment which is causing financial harm to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 070XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The reason for submitting this complaint against Navy Federal Credit Union is their violation of my rights by disclosing my creditworthiness to third-party non-affiliates, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my attempts to resolve the issue internally, Navy Federal has failed to address the matter, necessitating the involvement of regulatory authorities such as the Consumer Financial Protection Bureau ( CFPB ) or the Federal Deposit Insurance Corporation ( FDIC ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06606
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I tried contacting the companies via mail about these accounts that were paid in full. These navy federal accounts have been paid in full on XXXX XXXX, 2023 for a total of {$6000.00} XXXX, XXXX, XXXX. It is still reporting negatively on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29501
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Navy Federal withdrew XXXX $ in my account without my consent for charge off account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Navy Federal Credit Union, business account, checking and savings. We have been trying to close these accounts for months now. They have been dormant for 7- 10 years. But Navy Federal is using every possible excuse not to close the accounts. We went to the local branch and they said they can not close a business account. Then we tried over the phone to close them without any success. We were dealing with the main office near XXXX, VA What's the problem? the company has been out of business for at least 7 years. They are now XXXX balance. We didn't open an account for life. NFCU XXXX XXXX XXXX XXXX, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80916
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The card ending in XXXX was charged off after I paid {$370.00} to bring the balance current. It was then reported to the credit bureau that the balance is {$2700.00}. The actual balance is {$2300.00}. The email I received also says that the amount owed is {$2700.00}. The payment history is also inaccurate and does not reflect the payment made on XX/XX/26 for {$370.00} confirmation # XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am getting multiple HARD INQUIRIES on my XXXX app. 1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX 4 . XXXX XXXX I am also getting denial for credit from others a. Navy Federal Credit Union b. XXXX XXXX XXXX XXXX I never made these inquiries.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92835
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, NAVY FEDERAL CREDIT UNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. NAVY FEDERAL CREDIT UNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A