Date Received: 2023-05-07
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I have tried to open an account with Navy federal multiple times and they keep denying me saying my information isnt correct. They wont tell me what is incorrect. I have never had an issue opening an account with any bank and I verified my identity at the local branch that was over 70 miles from me. Its really frustrating that I have to keep proving who I am and being told my information is wrong. Like how can a bank tell me who I am??
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94551
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX are reporting fraudulent accounts that you did not open.. these account dont belong to you.. you are victim of severe id theft. I had reported this to the company and the credit bureaus i was told that i was responsible for the account I have not given anyone permission to use my Social Security number to apply for credit cards
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19018
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Lost or stolen money order
Subissue:
Consumer Complaint: THIS IS A NON NEGOTIABLE REQUEST FOR HONOR AND PUBLIC NOTICE OF DISHONOR AND INVOLUNTARY SERVITUDE, AND CONSPIRACY TO COMMIT FRAUD UPON THE PEOPLE. I am familiar in the facts of the certificate of title. I am the named party in the said birth certificate. I am named party as me of one of the owners of it. Please take notice update all records that the certificate of title City of New York certificate number XXXX State of New York Secretary of State no XXXX United States of America Department of State no XXXX has been accepted and transferred into Trust. I have beneficial interest in it and I demand a full record of ALL accounting, ALL book keeping entries, all records with NAVY FEDERAL CREDIT UNION ASSOCIATED WITH XXXX. NAVY FEDERAL HAS STOLEN MY PLACE AS BENEFICIARY AND STOLEN MY TRUST AND USED IT FOR THEIR BENEFIT, WHEN IN FACT THEY ARE THE TRUSTEE. INVESTIGATE IMMEDIATELY. I have also declared full acceptance and bonded them to their oath. I come in peace love and light as one of the creators XXXX daughters and heir on the land requesting honor. I have acted in good faith and look forward to a honorable and equitable response.. All rights reserved without prejudice without recourse.. Either you are a part of the problem or PART of the solution. You decided. Be governed accordingly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28120
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I got married and my spouse is a member of the XXXX XXXX. One benefit to that was that he was able to sponsor me into Navy Federal, for identity purposes. I'll use the first letter of my maiden name " XXXX '' and my married name " XX/XX/XXXX'. The DMV 's are still months backed up/behind on appointments due to covid. My Drivers License has my maiden name of " XXXX '' on it, my married name is " XXXX '', my social security card has " XXXX '' on it. Navy Federal allowed my to open my accounts with my name of " XXXX '', even with these discrepancies and said they were not an issue. I provided them with my identification documents, and I was allowed to open the account. I've been using their services for 3 months now with no issues, making withdrawals, my card issued has " XXXX '' on it. Without warning, Navy Federal locked me out of my account for security purposes. For no user error, just literally no reason. I physically went into the XXXX Texas location, after days of speaking with representatives telling me I needed to send an email over to their security team with my ID, Social, Lease Agreement, Marriage License, and Utility Bill ( which I did ) to appear in person as well to prove my identity. Their security team denied me access to my account, as well as the staff of the branch ( the same exact branch I was originally allowed to open the account at ) and they are refusing to allow me access to my funds. I'm behind on all my bills, I've provided every single identity document that I have to provide, there is nothing more I can provide. Navy Federal allowed me to open the account with these same exact documents, and now are holding my money XXXX, this is absolutely outrageous. Why was I allowed to open the account? I've spoken with 8+ representatives, supervisors, no one is willing help me. I'm not sure what to do at this point. I can not get my ID changed just yet due to covid restrictions, that is not my fault and is out of my hands. I shouldn't have been allowed to open the account like that in the first place if they were gon na lock me out. They have taken zero accountability/responsibility, have not apologized or admitted fault, nothing. They are not willing to help me, they can not allow me to open an account with the same documents they're requesting from me, and deny me from my money. This is absolutely employee/staff error and I'm being punished for it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I've disputed this account numerous of time. With the FTC, CFPB, and had an attorney. Navy Federal Credit Union could not confirm anything. Instead they continue to lie about me making payments to keep it ongoing. I provided proof that there were no way to make a payment after they lied to my attorney on me going online to make a payment. They've taken over {$1000.00} out my personal account to furnish the debt that claim I acquired. If over {$2000.00} was taken out my personal account by them for the credit card why is the amount still he same? The original credit card limit was {$5000.00}. and now the balance is over {$9000.00}. Something very fraudulent is going on. I've filed a dispute when it was brought to my attention. I was informed that I didn't have to do anything else. Every time they were asked a question to validate anything pertaining to the credit card. The only access there is, is of my current checking and savings account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
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: 2023-05-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Navy Federal credit Union keeps overcharging me with all these late fees and return check notification monies when I bought a XXXX XXXX on the XXXXXXXX XXXX XXXXXXXX I used my debit card for the down payment in the sum of {$1300.00} it came right out of my bank account on the XXXXXXXX XXXX XXXX and then all of a sudden on the XXXXXXXX XXXX XXXXXXXX I see that they said I took it out on the XXXXXXXX XXXX XXXXXXXX and I didn't have enough money in my account so they charged me {$29.00} two times and a {$20.00} late fee and I called them and they said oh well we hold your money for 3 days so you can't spend any money out of your account for 3 days I've never heard such a thing before and this is not the first time this has happened with Navy Federal credit Union with me and I know for a fact there's other people that are having the same problem it's all over the Internet about Navy Federal credit Union I wish somebody could help me with this problem they keep stealing my money charging me all these late fees and they just say you are too bad
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: To whom this may concern : I would like to state that according to 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I have lost faith in the banking systems due to your company reporting false and inaccurate information on my report without my consent. Your company is blatantly violating federal law ( 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information can be held liable ). I noticed unauthorized accounts on my consumer report. I have not signed any documents authorizing your organization to report any accounts on my consumer report therefore, your reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section, a consumer reporting agencXXXX XXXX XXXX the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 U.S. Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY PERSONAL INFORMATION ) Therefore you furnishing accounts onto my consumer report is fraudulent and it is identity theft. You have no permission to furnish any information on my consumer report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my consumer report for any reason. According to 15 USC 1681 ( a ) ( 4 ) You infringed upon my right to privacy and your reporting is unfair and without impartiality. YOUR COMPANY HAS AIDED THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS. I DO NOT CONSENT TO XXXX OR ANY OTHER MEANS OF AUTOMATED VERIFICATION. I DEMAND YOU PROVIDE ME WITH THE FOLLOWING. 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal consumer file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : 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: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is my curtesy notice of a Billing Error- Since XX/XX/2022, there has been a billing error associated with account no. XXXX with financial institution NAVY FEDERAL CREDIT UNION. The billing error has occurred since the inception of the account defined in 12 CFR 1002.2, where I extended my credit. Pursuant to 15 U.S.C. 1666 ( b ), a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. It can not be considered late because I am the one who extended the credit to NAVY FEDERAL CREDIT UNION through the credit application from my credit card defined in 15 U.S.C. 1602 ( m ). The application served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. To which NAVY FEDERAL CREDIT UNION has chosen to not apply the credit to the open end account. This is considered an unauthorized use since I have received NO BENEFIT and SECURITY FRAUD BY ILLEGAL ELECTRONIC FUNDS TRANSFER. Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement. In addition, I have noticed that NAVY FEDERAL CREDIT UNION have been redeeming the remittance coupons/ instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). By Overall enforcement authority of Federal Trade Commission 15 U.S.C. 1691 ( c ), the creditors assume a criminal and civil liability pursuant to 15 U.S.C. 1693 ( m ) & ( n ). NAVY FEDERAL CREDIT UNION has violated my secured federally protected consumer and constitutional rights. I demand all credits be returned on all remittances/coupons at the inception of the accounts. Furthermore, the open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) that is on file with account no # XXXX and security instrument by the applicable law ( 15 U.S.C. 1602 ( j ) ) while choosing to make unauthorized electronic fund transfers ( 15 U.S.C. 1693f ( 1 ) ). Balance will be zeroed on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. This BILLING ERROR dispute is for past, current, and future certificates of indebtedness under this contract. They are to apply to my extension of credit as long as there is a contract that is in place. This is being brought about due to security fraud. The creditor has been given an asset and has chosen not to provide me with the benefit of it. We have a contract and there is no statue of limitation on security fraud. The Purchase money loan, which is a cash advance, and not a loan, was given to me in return for a Finance Charge pursuant to 16 CFR 433.1 and yet Navy Federal chose to send deceptive statements through the mail which is mail fraud also. The creditor has furnished deceptive forms. Provided negative statements to third party credit bureaus which is also a violation of the code of federal regulations and HR 4120. Attached to this complaint is a copy of the registered mail, RF 112 176 360 US, ATTENTIONED to the indentured trustee of Navy Federal Credit Union Dispute Center. Sent to the following address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Through telephone conversation on XXXX, around XXXX, the call are recorded, that is the address I was told to send billing error disputes. The indentured trustee is to be on the look for this correspondence.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt correction of inaccurate late payment reporting on my credit report with XXXX and XXXX. Your immediate attention to this matter is required, as the continued presence of this inaccurate information is causing significant harm to my financial well-being. The account in question is as follows : Creditor : Navy Federal Credit Union Account Number : N/A My credit report with XXXX reflects the correct account standing, showing no late payments and a status of " good standing. '' However, my credit reports with XXXX and XXXX inaccurately report late payments on the same account. This discrepancy raises concerns about the accuracy and reliability of the information reported by your agencies. Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of the late payment reporting on this account. Should you fail to substantiate the late payment claims or correct the inaccurate information, I insist that you promptly update my credit report to accurately reflect the account 's good standing, as reported by XXXX. In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of the late payment reporting, you are legally obligated to correct the account 's status on my credit report and notify me of the changes made. I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A