Date Received: 2023-05-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Wed, XXXX XXXX 2023 at XXXX pm I received an email from my bank ( Navy Federal Credit Union ) stating that they have received my request authorizing a one-time electronic funds transfer from my Navy Federal EveryDay Checking account : XXXX to XXXX XXXX XXXX XXXX XXXX checking XXXX XXXX in the amount of {$5000.00} Date to transfer XX/XX/2023. The online transaction listed the name XXXX XXXX XXXX. Thu, XX/XX/2023 at approximately XXXX XXXX I contacted Navy Feder Credit Union via phone to inform them that this was not my request, and that I believe this was FRAUD. They said they believed my account was " compromised '' in my term it was hacked. I followed all of their instructions to close my existing checking and savings accounts, open new ones and change all of my account usernames and passwords, including my personal email. Since then I have received " XXXX '' information from them confirming I reported this FRAUD. I called in on Sunday, XX/XX/2023 around XXXX XXXX XXXX and after being on hold for a very long time and transferred three different times, I found someone who provided me with a REPORT FRAUD letter noting a Confirmation Number. Which basically disclosed to me that I would go to jail if they deemed my report of this FRAUD to be incorrect. Today Tuesday, XX/XX/2023 at XXXX am PT I received an email titled Brochure/Form Request. This e-mail thanked me for allowing them to assist me today, and stated the Form ( s ) and/or brochure ( s ) I requested can be located by clicking the following link. This led me to a Navy Federal Credit Union Declaration of Forgery/Fraud form 2 pages of information I must supply to them although I have no idea what information is required here. It instructs me that the entire form must be completed and returned to Nave Federal in order for this claim to be processed. It also asks me to provide any documentation relating to the claim ( e.g., police report, original forged documents ). I will now have to go to a Navy Federal Credit Union local Branch to figure out how I fill out this form as the information it requests is in bank speak and I have no idea what these terms mean. I need my {$5000.00} back or I will be unable to provide for myself, and my expense obligations ( rent, food, power, etc ). Why aren't they addressing this with me? They mentioned it could take 90-120 days to complete their " investigation '', however it appears to me that they have done absolutely nothing at all to recoup my lost funds from XXXX XXXX XXXX which should have been stopped and reversed that next day! So frustrated and worried. Please help me understand this procedure if you can.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89012
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: I got robbed on XX/XX/XXXX at the XXXX XXXX XXXX in XXXX, Virginia for {$4600.00} and a loan for $ XXXX money transfer via phone. XXXX XXXX XXXX is the person who took the money. Navy Federal Credit Union is the bank. I went to them the same day and did a fraud report and told me that there was nothing they could do. I need the money back. Navy fed locked me out of my account online and said I cant get online access until XX/XX/2024. Only can access the money by going to the bank. Had to go in the negative because my bills. Took all of my reserve money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23505
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: To whom it may concern : I am a customer of My Navy Federal & my Acct was frozen by XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX. My Account has been Cut off for more than 2 yrs by these People for a balance of {$14000.00} according to this company this judgment was entered on XX/XX/2003. at this time I was incarcerated most of XXXX into XXXX before that i was living at XXXX XXXX XXXX XXXX XXXX XXXX. Navy Federal went off the word of this company & closed my acct off to me. this case has never went to court plus it is over 20 yrs old. I believe this is a Scam as stated by the Attorney General 's Office. Navy Federal Excuse is they are a third party & Have been given a court doc by this Lawyer by looking at this Info Subpoena with restraining notice, Paperwork not signed by a Judge or officer of the court no court seal nothing it looks like something made up in the kitchen. I need help badly its been 2 yrs please someone help me. Navy Federal is wrong for this in my eyes with out proof of anything that this case was ever in court. I even XXXX these people the had a fraud case trying to get funds out another woman froze her accounts & she sued them. i can not uploaded the photos so I will be sending them once i get them printed up. BTW this is not even on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27606
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Navy Federal Credit Union unilaterally imposed impound account for property taxes in violation of mortgage agreement. Tax analyst at NFCU told me that the issue was resolved in my favor. NFCU sent Notice of default, and reported to credit reporting agencies, dropping my credit score from XXXX to XXXX. Communicate with NFCU for 4 months has failed to find resolution. All principal and interest payments are current. I suspect this a fraudulent attempt by NFCU to escape this loan because it was originated at 2.3 % Request intervention asap by CFPB XXXX. XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
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, I have the right to privacy, and under 15 USC 1681 Section 604 A Section 2, It also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor may not treat a payment on a credit card account under as 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: 22204
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I am writing to seek your assistance with XXXX 's abusive business practices against the District of Columbia residents. XXXX has zero accountability to its customer base. I reserved a XXXX vehicle almost 5days in advance for XXXX Sun XXXX XXXX to XXXX Mon XXXX. I advised the XXXX representative that I was taking the vehicle out of State to NY to bring my daughter to her college admissions appointment. I advised the rep I've had recurring issues with their vehicles lacking proper maintenance i.e. : low battery, low fuel, NO windshield wiper fluid, and extremely filthy vehicles. I wanted to ensure everything would go smoothly for our trip on Sunday. The rep assured me the vehicle had been serviced and all would be well. The morning I picked up the vehicle it was filthy, and most importantly, it was missing the XXXX XXXX device which we didn't realize until we had passed a bridge toll in NJ. I immediately had my daughter call " customer support '' while enroute and they assured me they reported the XXXX XXXX device stolen and that I would not be responsible for the tolls. The rep even noted her confirmation of this in her notes which I confirmed with several other XXXX XXXX. I arrived at XXXX at XXXX and we parked the vehicle in a garage. The vehicle was picked up again at about XXXX and we were back on the road. I arrived to DC and when I proceeded to park the vehicle in its home location ( behind my building at XXXX XXXX XXXX XXXX ) on XXXX XXXX the space was unavailable. I immediately called XXXX and informed them, and they approved that I could park the vehicle at another legal location. While on that call the rep confirmed the prior rep 's notes in my account detailing my trip report ie : filthy vehicle and missing XXXXXXXX XXXX device, her notes that I would NOT be charged and that she had reported the XXXX XXXX device stolen. Despite his confirmation, he proceeded to inform me I was given WRONG information and that I WAS responsible for the tolls. I parked the vehicle and advised the rep. I then called back to speak with another rep to cancel my membership for the next billing cycle which is this month. This morning I received an erroneous text from XXXX asking if I needed " more time '' on the trip. I called back into customer support and the rep informed me the trip had ended on time and I should not worry about any late fees. I also inquired about my report RE : the XXXX XXXX toll fees, he confirmed the prior rep informed me I would not be charged and that the information she provided was incorrect. He said he was escalating the matter to attempt to provide me a resolution. I was NEVER informed that the trip fee had been increased to {$300.00}! Originally the trip was a {$100.00} dollar trip for a full day XXXXSun-XXXXMon. XXXX is charging me overage miles : XXXX miles ( XXXX ) for {$160.00}. The vehicle was parked in a Garage from XXXX to XXXX. I do not understand how they are claiming overage miles? I have my garage reservation confirmation. I would like a full refund of the {$290.00} and XXXX to take accountability for its employees misleading communications regarding the XXXX XXXX toll fees.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Ssn was breached and all information was used to open accounts in my name
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90001
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have contacted XXXX XXXX after the last response for the CFPB and I could not get anyone to respond to the offers stated in the previous complaints. Several months have passed and they have pursued a garnishment of my wages after attempting to settle the matter outside of court in numerous ways. I have been forced to discuss XXXX XXXX options to aviod being garnished. I was told on XX/XX/23 that they will accept XXXX to settle, I am seeking assistance to resolve this matter with XXXX XXXX. I called several days in a row after the last coorespondence and no one would take my call.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The Navy Federal Credit Union fraud department told a third party about my accounts transactions and balances on XX/XX/2023. The banker accessed my account through another member 's account and gave vulnerable information regarding my account. The banker or from my understanding, the supervisor, told this third party member who isn't authorized on my account my recent transactions with my account and my savings limit which was connected to my credit card. The said person reached out to me and told me all these details on the phone conversation between the banker and them. When I spoke to someone at Navy Federal Credit Union about this matter, they couldn't find a recording under my account, until I told them to search when my account was accessed and by who, this is when they put me on hold and told me this was a legal issue and they aren't allowed to speak to me any further regarding the incident. Then the supervisor that I spoke to, tried to pretend that nothing was said on the call between their banker and third-party individual but when I asked him did he listen to the whole conversation? He said, " No, it was a long call and skipped throughout the call. '' That alerted me that this was privacy and consumer negligence on the Navy Federal Union 's behalf. The banker decided on their own will to release personal information regarding my account to someone that isn't listed on my account to receive any of those details. I want to see what are penalties for this matter with them. Thank you!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30269
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Account : unknown Navy Federal Credit Union is furnishing inaccurate and incorrect information to the Consumer Reporting Agencies. Furnishing this information has caused severe damage to my character, my reputation, my general way of living, and my abilty to obtain credit for personal and house hold purposes.15 U.S. Code 1681s2 Responsibilities of furnishers of information to consumer reporting agencies. By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A