Date Received: 2023-06-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Notice to cease and desist unfair and deceptive trade practices. Please see the attached.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I have been trying to work with my credit union every since i returned home from military duties. I have had multiple transactions go through on my account numerous of dollars basically gone down the drain. I have reported this to my bank and have been told that no errors have a occur but obviously it is a big mistake on my account. I have called and gotten the run around on this. I was told to go to the bank in person but with me working and military going on i am not able to go to a physical branch. I have been told numerous times that they have sent out multiple cards to me and they have not. I only received one card and that is the card in my possession now and only reason i ended up with this one card is because i paid a fee for expedited shipment. I have fax multiple information to them to prove that fraud have occur and they sent multiple letters telling me no error occur and that is not true. Whoever used my cards had changed information card pins and all and i'm still being told no error occur. They have not sent me any information on how they verified this information or nothing. They just quick to shut down my case and not give me anytype of refund for this unauthorized person using my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 I deposited a check into Navy Federal Credit Union Mobile deposit requesting Lawful money for any and all past, present and future funds deposited into or transferred out of any accounts held in my name be redeemed in lawful money per 12 USC 411, 95a ( 2 ) for a special deposit. I tried to sign into my account and it was restricted and instructed me to call the branch and when I did that resulted in them closing my account without my consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37664
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XXXX XXXX opened a fraudulent joint account with my name at the Navy Federal Credit Union and had completed an ACH from XXXX XXXX to that account and withdrew the money and now that fraudulent account has a negative balance that will reflect on me. I never authorized or was apart of this account. I don't know this person, they stole my information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75078
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Our account was hacked and most of our money was stolen from Navy Federal Credit Union and someone transferred it to XXXX XXXX XXXX We tried to consult Navy Federal but they were useless on this matter. We have som much debt to pay and now we are out of money. Our hard earned money got stolen from such a prestigious bank. What is the purpose of having such institutions where the money is not safe. When we have to do a big transaction, we usually call them. Then, some hacker comes and wipes off XXXX of dollars without the bank knowing. The security is very poor. When I was being added to my wifes account a few months ago so that we could have joint access, then instead of adding me, they accidentally added someone else. Then we complained and the bank said your information is not compromised. However, now someone was added to the account and stole the money without us knowing, which is what the bank is telling us. They are not taking any responsibility
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Navy Federal XXXX. has violated my rights.15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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. 15 U.S.C 1681s-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 inaccurate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Navy Federal keeps taking money out of my personal Navy Federal account and applying it to their Navy Federal Credit Card without my authorization because my credit card was around 30 days past due. Apparently, their disclosures allow them to take money out of one 's personal Navy Federal checking account without your authorization if you are past due on their credit card. I have a personal checking account with Navy Federal and also have a credit card under Navy Federal. I have hit financial hardship unfortunately so fell past due on my credit card behind one month. Navy Federal started taking all the funds I had in my personal checking and applying them to the past due amount of my credit card without notification or authorization and leaving me literally with a {$0.00} balance. What is really messed up is this is money I really needed to buy basic necessities - groceries and gas, particularly for my little one. On XX/XX/XXXX, they transferred {$9.00} ( all that I had at the time ) from my checking to my credit card, on XX/XX/XXXX transferred {$200.00} to my credit card, and then again on XX/XX/XXXX transferred all {$110.00} I had in my account to my credit card. All three times they took all the money I had in my checking account resulting in my account having a {$0.00} balance. They didn't even leave me a single {$1.00}. I called Navy Federal on XX/XX/XXXX explaining the situation and stated that I am not trying to get out of paying my credit card, but that I am in a financial bind but have every intention of paying and need a little time. The representative agreed to reverse the {$110.00} if I would agree to start making payments beginning in XXXX so I agreed. I literally just started working with a XXXX XXXX XXXX during this time, but because I was in need of the funds they took, I went ahead and agreed. Over the weekend I saw that a {$9.00} charge was denied, and I was charged a {$29.00} " returned check fee. '' Again the funds were there until they zeroed out my account days before and again gave me no warning. So I called Navy Federal again on XX/XX/XXXX, explaining that I am having a financial hardship, how they keep taking all of my money out of my account leaving me with nothing which is putting me in an even worse bind, and the fact it was all essentially going to interest. The representative ( I believe it was the credit card department ) looked to see if she could refund me back all of the {$320.00} they took out ( not including the returned check fee ) and it was denied. They denied crediting back the money they took without authorization because " I was working with a third party debt agency '' and therefore also would not honor the {$110.00} that they said would be refunded back to me just days before. Separately, the first customer service agent did credit me back the {$29.00} returned check fee before I was transferred to the credit card department. So I guess that's something. I'm not perfect but try to be a financially responsible person and do not try to live above my means for myself or my family including managing my credit cards. My situation is unfortunate and I am trying my absolute best to stay afloat. I just can't wrap my mind around how a bank can legally take funds out of your account, and multiple times at that, without your authorization ( excluding court orders, IRS ) to pay on a credit card.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33470
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
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: On XX/XX/23 I spoke with a Navy Federal Supervisor in the Loan department regarding how my checking line of credit was being report to XXXX, XXXX, and XXXX credit agencies. The Supervisor said the issue would be escalated and that someone would e-message me or contact me regarding an answer to my concern. I never contacted regarding my concern, so today XX/XX/23, I called NFCU and spoke with a Supervisor in the same department regarding the same issue. The Supervisor informed me the loan was special, and that it was being reported as a revolving account because the account does not have an expiration date. I informed him whether the account is a revolving account or an installment account credit reporting agencies should not be able to access real time balances regarding this particular account or any other account for that matter. I informed him that the practice seems unfair and possibly illegal. Review illustrations of the e-promissary loan agreement from NFCU, my XXXX checking line of credit reports, and the checking line of credit statement ( 16th of each month ) documents for proof.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I opened a credit card line with XXXX XXXX at the time of my employment. Which was about a year or so ago. Ive been unemployed for the same amount of time. After being laid off from my job, I fell behind on credit card payments and was no longer able to afford the card. Over time, I received calls from XXXX XXXX, I explained to them the Hardship I was going through and that I couldnt afford to pay them a lump sum of the money. I continuously received calls from XXXX XXXX about my credit card, even after I explained to them my situation and how I couldnt make payments. Afterwards, I began to make a few payments in increments but in the end, the payments caught up causing me to fall even more behind. Im a college student and almost always never have any funds due to me having to pay for those expenses. I receive financial aid, which im thankful for, covers almost most of tuition along with other fees. Since im still unemployed at the moment, I have little to no funds to my name. Today, I had an unauthorized Adjustment made to my debit card, which removed {$240.00}. This was my financial aid return to me, which I need in order to pay for my textbooks. I spoke to a Navy Federal credit union member representative today, XX/XX/30 at about XXXX and explained the situation. They looked it over and explained that it went to a debt I owed them. Navy Federal closed my credit line and sent it to collections months ago. Which is another reason Im confused as to why they would even bother to remove the funds. I do in fact have future plans to pay the debt collection agency, and asked for NFCU to reverse the funds. Unfortunately, They werent able to resolve my problem. The call was escalated as well but still no resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A