Date Received: 2023-05-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Navy Federal Credit Union locked my account on XX/XX/2023. By the time I was made aware the department was closed. I called today on XX/XX/2023. They claimed a {$950.00} payment was fraudulent and that I am now responsible for that money that was withdrawn out of my account. Further they locked my account access and are not allowing me to login or make payments through the mobile app. I have spoken with the sender of the funds and they are saying they did not report any transaction as fraud. This was told to the representative whose name is XXXX. If you listen to the phone conversation dialed from XXXX you will see that the representative claimed the transaction was reported as fraud. The sender has a sworn and signed statement claiming the payment was authorized. This proves the representative lied. CFPB Orders Navy Federal Credit Union to Pay {$28.00} XXXX for Improper Debt Collection Actions They have used similar tactics as described in this previous claim. I think that Navy Federal unfairly and illegally removed access and blocked my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In 2022, my account was closed from Navy Federal for unknown reasons I was not notified of. I held a personal checking account with direct deposit and 3 business accounts with a Navy Federal credit card. All was closed with no explanation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: When I recently accessed my Navy Federal Visa rewards account I noticed that my minimum payment had jumped by @ {$80.00} going from {$330.00} ( 2 % of my balance ) to {$410.00} ( almost 2.5 % of my balance ). I contacted customer care on Monday, XX/XX/XXXX at XXXX XXXX XXXX to inquire why the minimum payment due had gone up when the balance had remained relatively the same. The agent informed me about a change in terms to all Navy Fed credit card accounts that changed the way they calculate the minimum balance. This is how the new terms read ( taken straight from the email they sent on XX/XX/2023 at XXXXXXXX XXXX ) " Changes Coming to Your Credit Card Agreement If there are any problems with how this content is displayed, please view it in your web browser. RE : Credit card ending in XXXX Thanks for choosing us for your financial needs. Effective XX/XX/2023, your GO REWARDS Credit Card Agreement and Disclosure ( " Agreement '' ) will be changed as follows : Minimum Payment Due : We're changing how we calculate your Minimum Payment Due. Currently, it's any past due amount plus the greater of 2 % of your new balance or {$20.00}. On the effective date, this will change to any past due amount plus the greater of {$20.00} or the sum of 1 % of your new balance plus interest and fees. This change will affect your Minimum Payment Due amount. '' This is what the agent quoted to me on the phone as well. When I questioned why the minimum payment due had gone up instead of down she proceeded to tell me " that this was a decision from Navy Federal for those that carried higher balances on their cards and that some member 's minimum payment due had actually gone down ''. When I asked her which members minimums due had gone down she replied with the following " those members who were carrying a lower balance had their payments reduced while those with higher balances had their payments increased. '' Needless to say, I was upset with that because I felt it was not fair to arbitrarily reward those members with the lower balances while punishing those with the higher balances, which I stated to the agent. I asked if I could opt out of the higher payment to which she stated " No ''. I believe this to be unfair credit practice on the part of Navy Federal to change the terms only to apply those terms to a select few while at the same time also changing the terms for others and not abiding by those terms. Case in point, as stated above my current payment of {$330.00} a month is 2 % of my balance, and the new payment of {$410.00} is roughly 2.5 % of my balance. If Navy Federal went by the new terms of agreement my minimum due should only be {$170.00} ( 1 % of my balance ). I believe their tactics to be in clear violation of the terms of agreement for their credit cards, both the old terms ( 2 % ) and the new terms ( 1 % ) I was told by the representative that I had no recourse but to pay the higher minimum amount because that was what Navy Federal ( arbitrarily ) imposed. This is not right or fair. The only solution I was offered was a 3-month short-term 0 % interest rate modification on my account, with a vacation month up front. I am not sure how this will affect my credit as it had to be submitted for " approval ''.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 49684
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I made two payments on XX/XX/XXXX which resulted in an overpayment. The first was in the amount of {$550.00} which was a normal monthly payment. Later that same day, while the first payment was pending, I made a payoff payment for the full loan balance of {$22000.00}. This resulted in the loan being closed out as paid in full before the first payment cleared. The {$550.00} payment cleared out of the payment account with XXXXXXXX XXXX on XX/XX/XXXX but was never credited to the loan account at Navy Federal Credit Union. I contacted NFCU on XX/XX/XXXX and was told that the payment would be automatically refunded back to the issuing bank. On XX/XX/XXXX this had still not happened so I contacted NFCU again and was told that the first rep was incorrect and they would need a copy of my XXXX account statement showing the transaction had posted before they could refund the overpayment, and that it could only be applied to a NFCU bank account, not refunded back to XXXX. I supplied the requested bank statement for the full month of XXXX on XX/XX/XXXX. On XX/XX/XXXX I received correspondence from NFCU that they would not accept my XXXXXXXX XXXX statement because while it shows the posted transaction and cleared date, it does not contain a running balance. I have no control over how XXXXXXXX XXXX formats their account statements. It has been 11 days, so at this point the ACH transaction has long cleared on NFCUs side to show that the transaction was not rejected by XXXX. At this point NFCU is unwilling to refund my overpayment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76710
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Saw on report have already told them I don't have account with them. Guy at XXXX Social Security XXXX must be getting a cut off my social or I'd bc he saw me as soon as he said he's not giving me new social security number mine Har been stolen while sleeping sent to at least 13 ppl and everyone has copies of all my stuff I'm not safe bc of it I can't even get a car I need my backpay I'm suffering from my exbf sending my info for some jealous girl and maybe my uncle idk follow the money is all I can say help Navy Federal Credit Union it says I have an account and no telling where else and XXXX XXXX XXXX is charging me {$220.00} or {$220.00} for XXXX XXXX XXXX it's ruining my credit I had my water shut off and he stole water and they're charging me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I called multiple time they didn't Wana help me as they should
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Lost credit/debit card ordered A new one Navy Federal credit unio I was emailed that my card was delivered but I have yet to receive my card I tried to report to Navy Federal , but I wasn't able to. This issue is not the first time that I haven't received my mailings. At the location that requested. I have orders from XXXX XXXX and XXXX and XXXX. I have lost money. with Style We I am not able to report my claim my lost for A replacement of my items or A refund. If I'm able to get A refund for these items i can't use my Navy Ferderal credit union because I have to transfer money to other accounts which takes time I believe that something FRAUDULENT is going on.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Navy Federal Credit Union had restricted my use of debit card services. This has effectively disabled my debit cards, and ability to use XXXX. The credit union did this without notifying me of any potential disadvantages that could occur when submitting dispute claims. I've been a member of the credit union for six years, and never have I experienced this action taken against me. Furthermore, I use XXXX weekly to pay for some of my expenses such as rent. This restriction has prevented me from submitting payment for the month of XXXX, and now I am at risk for eviction due to their actions. In addition to this, I was actively enrolled in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and one of my checking accounts is currently in overdraft. Without full use of my debit card, I am unable to submit payment to this account. I often use XXXX, XXXX, and XXXX to deposit money into that debit card/checking account. Without full use of the debit card, I do not have any other option to satisfy the overdraft debt. The credit union only allows 30 days for accounts to be in overdrawn status, otherwise they will charge off the account. This is completely unethical, as this restriction is not referred to neither mentioned in the debit card disclosure, and the credit union has not even provided me a letter to warn me before making this restriction. I had also submitted an ACH transfer for payment to my landlord, however, because the credit union restricted my account, the transfer was reversed and I received {$75.00} NSF from my landlord, and the credit union charged me {$29.00} for reversal fee. This is unpractical, and the representatives have not done anything about my complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I wish to report that XXXX XXXX XXXX breached its contract and engaged in unfair trade practices in connection with my recent purchase of a XXXX XXXX XXXX. I believe they knowingly misrepresented the condition and history of their vehicles, which violates numerous state and federal laws. The listing for the vehicle advertised that it was in mint condition. However, less than 200 miles, I experienced engine issues. I immediately contacted XXXX XXXX, for help, but he was unhelpful and suggested I try another mechanic. I took the vehicle to a XXXX XXXX XXXX where the mechanic found major engine mechanical issues. The XXXX mechanic also found damaged parts that could not have worn down so quickly after the pre-inspection, suggesting that heavy engine oil was used to mask the problem. Furthermore, it appears that the mileage on the buyer 's contract does not match the original listing, which may be a violation of state and federal odometer tampering laws. Moreover, multiple complaints from other customers who have experienced similar issues have been posted on XXXX reviews. XXXX XXXX XXXX 's deceptive actions have caused significant financial harm to me and others. Therefore, I request that this matter be thoroughly investigated, and appropriate actions be taken to hold XXXX XXXX XXXX accountable for their actions that they refrain from engaging in similar behavior in the future to prevent others from falling victim to these unethical practices.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Navy federal has a closed account in my name that is damaging my credit and needs to be removed, this charge off account has been disputed 3 times in XXXX and XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A