Date Received: 2023-04-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Several years ago, I was XXXX with an undisclosed illness. I was taken for a rode from XXXX to XXXX regarding this illness and had been charged many XXXX fees. I think some friends and associates of mine stole my credit card while I was traveling. There were so many charges at XXXX and things and I believe the charges were fraudulent. I am am authorized user of this card which is under another name. I have already asked for XXXX XXXX to Step In and assist. XXXX XXXX. I have asked why in the world do I have a Credit card balance. Remember my Navy Federal account was to be used for the transaction involving the XXXXXXXX XXXX? I don't understand why the fraudulent charges are still there and why there is a balance on the NavyFederal Card Anyway. Please may someone assist
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Dear Recipient, I am writing to inform you that there is an error on my credit report regarding late payments that were incorrectly reported by Navy Federal. I am not sure about this account was for car loan or credit card either I believe no late payments was made. The FCRA law allows any collection after two years be removed from my credit report. I respectful request that this be removed. I have made several attempts to have Navy Federal. correct this error with no success. I submitted requests for adjustment in XX/XX/2021. I am seeking your assistance in rectifying this error on my credit report. Please advise me on the appropriate steps to take to have this issue resolved as soon as possible. Thank you for your prompt attention to this matter. Best regards, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/ around XXXX XXXX I received three text messages that stated someone was trying to attempt to XXXX themselves {$800.00}. I received these text what I thought was from Navy Federal Credit Union. I gave up personal information over a what was an hour phone call because their end kept hanging up. The phone number that called me was XXXX and when I looked up that number it said it was NFCUs Fraud/Scam line so it gave me more reason to believe it was legit. I gave my social security, icloud login, name, and much more but I kept receiving texts that there was suspicious activities still going on with my account. I called NFCU two times before I went into the bank because they told me I would have to come in. From there I learned that my account was highly compromised and they took out a {$13000.00} loan in my name and pocket about {$8000.00}. I believe a XXXX XXXX XXXX from XXXX, GA was the one who scammed me because after my XXXX was compromised, his pictures was saved to my phone. I did a little research and I seen that he has been scamming since he got out of high school or even during high school. I have built up the evidence to help me support the idea that it was him. He went to XXXX for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I opted out of XXXX XXXX products and services XX/XX/2022 and yet they are still reporting false information. Then throwing the buck on XXXX XXXX XXXXXXXX. XXXX claims they did not report such incidents to them now having verified through a previous banking transaction it has been confirmed that they are still reporting false information. When speaking to them them about it I was laughed at and denied a higher tier request. You guys have peoples lives in your hands its not funny at and should be handled accordingly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: On XXXX I applied for a XXXX used auto loan with Navy Federal Credit Union. I called and someone stated I was approved@ 9.64 % rate. I than questioned why would my rate be so high if you advertised 5.84 % for used car? The young lady couldn't answer and than asked for a supervisor whose name I believe was XXXXI asked XXXX what were the requirements to get a loan he explained credit score length of employment and he may have said debt.I than asked XXXX well could you tell me why my rate is so high? because I exceed all those requirements and my XXXX was under 100 % .He literally said well you don't have to take the loan! I said of course I understand that but why would my rate be so high? So, my complaint is they are denying people their proper rate for an unknown reason age? race? My score at that time was XXXX with paid auto 's XXXX mortgage and 13 years on the job making XXXX a year! .If this occurs with me Imagine the people like me who they are taking advantage of and what's the basis?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2022, we mailed check # XXXX to our supplier, XXXX XXXX in the amount of {$29000.00}, written on our XXXX XXXX account. On XX/XX/2022, Navy FCU notified us of a possible fraud matter. The check was " washed '' to read payable to " XXXX XXXX XXXX XXXX '' instead of XXXX XXXX Navy FCU processed the check, the funds were withdrawn from our XXXX XXXX account, but were not disbursed to the fraudulent check holder XXXX XXXX XXXX XXXX. The funds are still being held at Navy FCU and have not yet been released back to our XXXX XXXX account. We and our attorney have contacted both Navy FCU and our XXXX XXXX on numerous occasions and still have not yet received the funds back from Navy FCU that they are still holding onto. Navy FCU has given us numerous excuses on why they have not released our funds back to our XXXX XXXX account. Navy FCU is still holding our money and we need to have it release back to our XXXX XXXX account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48038
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I submitted an error on my credit card account pursuant to the Electronic fund transfer act on XX/XX/2023 of the entire amount allegedly due. I didn't recieve confirmation until XX/XX/2023 that Navy Federal Credit union were reviewing it. I explained to them why my allegedly debt was in error. They ignored the EFTA by not crediting my account within 10 days and proceeded to take money out of my account to offset the alleged minimum balance due violation of the TILAct when in fact the entire balance including the minimum balance was in dispute and collection was supposed to stop as well as reporting my account delinquent when in fact it was subject to a dispute the moment they recieved my email pursuant to EFTA and the FDCPA. I contacted Navy Federal and advised them that they were violating the law and my rights by stealing my money and not folowing the law. I was told that they can take my personal funds out of my account because I ghave them a security interest. I never gave consent for them to take a security intertest they are trying to make me subject to their abusive and unlawful business practices. I never negotiated any terms to an agreement that they are trying to enforce upon me. They are guilty of abuse by taking unreasonable advantage of me through their unequal barganing power ( non-negotiable ) terms and conditions and my lack of understanding the conditions of this credit card product. Navy federal never gave me full disclosure nor was anything clear nor conspicous the security interest is stated in fine print on the second page of the unenforceable agreement they sent to me on XX/XX/2023. Navy Federal conducted a bad faith investigation into the error I sent to them by sending me on several different occasions conflicting information, no accounting evidence provided to substantiate their statements nor was verification given from any senior executive memeber in which I requested. I want to be made whole for Navy Federal abusive, deceptive and unfair business practices in violation of the FDCPA, EFTA, TILA, CFPAct which has caused me substantial injury in which I could not reasonable avoid myself.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Contacted NFCU on XX/XX/XXXX because the initial check was rejected and to issue a new vehicle loan check. I was advise to request the dealer to mail the old check back and for me to come back into the branch to sign a new check. Upon waiting for the old check to arrive the dealer passed away and NFCU never received the check back and I'm not on the hook for a vehicle that I don't possess. I reached back out to NFCU to resolve this account and provide any details to move forward with this dispute.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Im a navy federal member My accounts were closed out due to the pandemic, which I previously mentioned to a employee at the bank. My account were closed out and a payment buyout was arranged. ( XXXX ) I called to close out the saving account to this checking account because it showed no activity for 2 years ( XX/XX/XXXX ), I called navy federal to see can I close my account they said yes. So we went through the process of closing it out but the call dropped, the very next 2 hours I had {$4000.00} worth of charges on my account after I had just talked to a reps who repeatedly said Im okay because it shows nothing in the account. 2 days after that ( XX/XX/XXXX ) my account was charged {$3700.00} from a old income tax refund that came. I had no idea about it and the reps didnt say the deposit was going in. I believe the bank and their employees conspired to take my money with me knowing because they didnt give me a notice plus they still wanted to close my account so if I didnt catch onto it. I either should be able to keep my account or get my money back
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I encountered financial hardship for XXXX due to a XXXX. As a result, I lost my Navy Federal checking account. I have had this account since XXXX. The account was closed due to a negative balance years ago. Then I paid off the balance and was able to get the account restored. For the last 9 months, I have been trying to get in touch with NFCU 's account recovery department. I left messages, you name it ... no one ever called. I have since filed XXXX XXXX. So I called today again after months ... and I tried to get my checking account restored. I was told that due to the XXXX XXXX on my account that they will not be able to reopen my checking account. I was told two things : NFCU does not reopen accounts that were closed. I refuted the statement by the Customer Service rep, and told her if that was the policy how was I able to restore the account several years ago? I was told that due to the XXXX XXXX that they will not open the account. It is so strange because they still have my savings account opened.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07052
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A