Date Received: 2023-05-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I submitted a mortgage loan estimate request through Navy Federal Credit Union ( NFCU ). Undenounced to me, I had already met the unknown and unpublished 80 % home loan threshold at Navy Federal Credit Union and was later told they could approve a third of what I wanted. Had I known or had any transparency from NFCU I wouldve never requested a mortgage loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a mortgage loan as I am reporting you to the authorities. I'm willing to bring in legal counsel to aid in this resolution if necessary. Remove hard credit pull from all three credit bureaus. This is not a duplicate dispute and should not be marked as such.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32927
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Account number ending in XXXX. This alleged debt was sold to XXXX XXXX, XXXX and still reports that it is owed to Navy Federal Credit Union. How is that possible? How is there a past due balance on a charged off account? How is there a balance at all? Navy Federal Credit Union violated my rights as a consumer. 15 U.S.Code 1692a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. I was told I owed an alleged debt and have proof, and this is a violation of 15 U.S.Code 1692b ( 2 ). Navy Federal Credit Union has included its symbol while attempting to collect a debt and this is a violation of 15 U.S.Code 1692b ( 5 ). Navy Federal Credit Union can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, Navy Federal Credit Union has communicated with all caps name principal obligor, { XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 1692c ( b ). The false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). How can Navy Federal Credit Union allege that I owe a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay a positive amount? This amount appears as if it was owed to me. Navy Federal Credit Union violated 15 U.S.Code 1692f ( 8 ) as there can be no symbols on the outside or inside the mails in the attempt of collection of any debts. I am aware, when debt is not secured by real property, Navy Federal Credit Union can only sue if the contract authorizes the ability for the debt collector to sue the affiant. I did not sign to any such contract to authorize a lawsuit against me, and this legal action is a violation of 15 U.S.Code 1692i ( a ) ( 2 ). I am also aware, according to 15 U.S.Code 1692i ( b ) Navy Federal Credit Union has no legal authorization to bring a legal action against I, the consumer, in fact. According to 15 U.S.Code 1692k ( a ) ( 2 ) ( A ). It states an individual action is a violation worth XXXX dollars, meaning each violation is worth {$1000.00}. In accordance with 1 U.S.Code 1, words importing in the singular include the application to several persons, parties or things, and therefore the single mention of the word action can mean each individual set of actions costs {$1000.00} per violation. Multiple consumer rights violations with proof including my right to privacy in 15 U.S. Code 6801. I am requesting that you remove this account and all remarks from my consumer credit report immediately. If you except my request, I will not escalate this matter to federal court. In case you dont accept my requests above, a legal action shall be taken against your company for compensatory damages. This account has caused me to lose work opportunities and I have proof of such. As a XXXX XXXX Veteran this has caused my migraines to intensify, which I also have proof. Thank you for your attention to this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union Funds from a certified check which were previously made available in my business checking account were withdrawn from 3 different accounts after I walked into a Navy Federal XXXX in XXXX XXXX on Saturday XX/XX/2023. I deposited a certified check for {$34.00}, XXXX into my Navy Federal business account ( XXXX XXXX XXXX XXXX Access # XXXX ) at the XXXXXXXX XXXX XXXXXXXX XXXX afternoon XX/XX/XXXX. I verified with the teller that the certified check fell within the posted guidelines indicating that guaranteed funds are made available the next business day. I further advised that teller that I had just picked up the check at XXXX XXXX XXXX XXXX and that the branch manager was available to verify said funds if necessary. I was advised that the total deposit would be made available the next day. The check cleared as promised and was made available. When I logged into my account on XXXX XXXX XXXX 100 % of my funds were accessible. I transferred funds to a business savings account and a personal checking account. Additionally, I withdrew cash and ordered a cashiers check from the funds transferred to the personal account. I visited the Navy Federal XXXXXXXX XXXX branch on XXXX morning to pick up the cashiers check and was advised that the branch manager needed to call the back office as there was an issue. After an extremely long wait the branch manager invited me into her office and advised me that there was something suspicious about my check and that it would be held for XXXX business days. I was beyond confused about what could be suspicious about a check I had requested while standing in line at the credit union. After much confusion I realized that she was referring to the check I deposited into my business account the previous day. When asked what was suspicious, she just persisted in telling me I would just have to wait XXXX days to access my funds. I requested she call XXXX as the Branch Manager would gladly validate the check. She refused as did the two managers I spoke with on the phone subsequent to leaving the branch that day. Regardless of my questions or requests every Navy Federal representative refused to help me and persisted in repeating that I would just have to wait out the XXXX days. This is not the first time Navy Federal policies changed after I physically entered a branch. My money was accessible until I walked into the branch. I spoke with one woman that XXXX afternoon who advised me that I could not have been racially profiled because the man who implemented the hold on my money was a XXXX man she happened to know. That statement is a serious problem and reflects a real need for XXXX & I and Unconscious XXXX training. Much to my surprise, Navy Federal wiped out the funds from my business checking, business savings, and my personal checking accounts leaving me with XXXX ( XXXX ) funds. I later learned that I was locked out and could not log in to my accounts as I needed to speak with the security department to clear a security hold. My first call and 50-minute wait to this XXXX department included a series of ridiculous questions. I was asked if I had deposited said check, the amount of said check, the source of the check etc. I was not asked anything whatsoever that Navy Federal did not already know. The first young lady I spoke to in the security department asked why I was given said check. I advised her it was none of her business. The source of my funds is not a matter of bank security. She was annoyed and maliciously failed to remove the hold. The next time I attempted to log in I was still locked out of my account. I called to determine my account balance on XXXX as I received confirmation that my XXXX check was deposited. I have been without any money for XXXX days at this point. The representative advised that my personal checking balance was {$360.00}. Immediately following that call my debit card was declined for a very small purchase. All my Navy Federal debit cards were deactivated, declining even the use of funds later deposited to my account. I was denied access to or the use of my XXXX funds. After my 7th call to Navy Federal, I was directed back to the security department where I was advised that there was additional information they needed. The XXXX man I spoke with asked me nothing new or different from the previous young lady. He too asked me if there was a reason I was given said funds. Again, I declined to answer. There could be NO question as to my identity. I had physically walked into 2 different Navy Federal branches within a XXXX-hour period of time and presented state issued identification. There could be NO question whatsoever as to my identity or my initiating the transactions in question. I asked each an every Navy Federal representative to explain what was suspicious about my check. No one would answer that question. No one would call the issuing bank to resolve the issue. No one would help me. I was consistently told I would just have to wait XXXX business days which left me penniless for XXXX whole days. Navy Federal serves this XXXX veterans, a population of people who have already withstood tremendous trauma. The lack of compassion, care, help, and support I was shown is beyond disappointing. My recent Navy Federal experience began a series of events that have led to my financial ruin, and created tremendous trauma for my family and I. I have suffered late fees, XXXX fees, penalties and more.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I sent a payment to XXXX XXXX. This was not a fraudulent payment. The Navy Federal representative said XXXX said this payment was fraud. It was not fraud. He sent affidavit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I was charged XXXX times by the same check with return check fees to my navy federal account. in violation of the federal trade commision act, I should not have been charged XXXX single time for any low balance returned check fee because i even had overdraft protection on. It has been taken to my credit collections and effected my credit score illegaly
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23220
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Someone withdrew {$20000.00} over several transaction via XXXX XXXX. I filed a complaint with Navy Federal Credit Union and filed out my affidavit of fraud and provide my XXXX XXXX statement to prove it wasnt me who made these transactions. Navy Federal Claims the charges are valid however they are not and I feel they are violating the Regulation E because they failed to properly and fully investigate the matter. Just because I have had previously had transactions with XXXX XXXX doesnt mean that all charges are automatically valid from XXXX XXXX. It was Navy Federal Credit Union Fraud Text Alert that alerted me to fraudulent withdrawals. I have requested all information they used to base their decision and they have failed to provide those documents.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: The Navy Federal Credit Union account was overdraft for XXXX. I was trying to link another bank to pay the balance/overdraft. XXXX XXXX sent XXXX micro deposit for XXXX and XXXX with description as account verification. Navy Federal didnt verify the account but keep the two micro deposits. I have to pay {$55.00} the other way to cover it and some {$6.00} left over so the other bank can verify and have some leftover. When XXXX XXXX trying to take the micro deposit back. I was charge for another {$29.00} Non sufficient fund made the account back to overdraft {$23.00}. I asked Navy Federal to return the micro deposit to XXXX XXXX and waived the {$29.00}. They refuse to do it. So I paid XXXX and instructed to return the XXXX to XXXX XXXX and close the account as it cause more money and trouble when I am trying to pay a balance. But Navy Federal refuse to give the XXXX cents back to XXXX and transferred it to Navy Federal savings account that I told them to close. They just didnt do what I requested.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63501
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Navy Federal Credit Union claims because of credit card debt that they have my authorization in purpetuity to complete automatic withdrawals from my checking bank account ( Member ID XXXX ) I notified the creditor in about 2019 that I no longer authorize withdrawals from my bank account especially since funds were for mortgage and auto loan payments. NFCU keeps withdrawing funds from my account ( hundreds per transaction ) AFTER I told them that they no longer have my permission to make withdrawals.. Unauthorized funds withdrawals by a debt collector is a blatant violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and or the Electronic Funds Transfer Act ( EFTA ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have 3 accounts that have should have aged of my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX USA This should have aged off of my report and also shows payment history when I was not actively paying that account. NAVY FEDERAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA I have two accounts that should have aged off my report. Before settled, these accounts were purposely kept active and open in order to accumulate multiple 180 day late payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX CALL THEM TO SEE WHO OPEN AN AUTO LOAN IN MY NAME I REQUESTED THEY DELETE IT NO REPLIES BACK
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35173
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A