Date Received: 2023-04-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank took XXXX without my knowledge for someone elses debt. Will not return.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Navy Federal Credit Union 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 an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purporse.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Good evening, So on the morning of XX/XX/2023. I got separated from my friends on XXXX XXXX in XXXX XXXX. We all been drinking and towards the end of the night I tell them Im about to grab pizza right quick. XXXX XXXX later they are no where to been found. Im running down XXXX XXXX and I get called over by XXXX female in a car. They are trying to help me so I get in the car. I know that was pretty stupid but understand I was under the influence and I trusted them at the moment. Im on the phone with my friend and she is like I cant hear him give me the phone. She gets the phone drives in a square and says okay we are the location of your friends. I quickly get out the car without grabbing my phone and after a couple minutes of looking she was gone with my phone. Now Im in XXXX XXXX at like XXXX in the morning and Im stranded with no where to go. I do not know the duty phone because I just check into the unit. So the last thing going through my head is freezing my accounts. My main priority is to get home safely. So I manage to ask another stranger around the block to call me an XXXX. I get in the XXXX and I get home. The next day I dont have my phone and my keys are in the same friend car that left me. I manage to contact him through my computer and he comes over. We go to the nearest XXXX XXXX XXXX store and I get a new phone. Im trying to log into my apple account but the password has been changed and the verification phone number has been changed as well. I eventually go home after trying for 2 hours and I realize I need to check my account. I download navy federal and I finally get into my account after XXXX hours. I find over {$8000.00} was spent between my two credit cards, my savings, and checking account. I immediately call navy federal to submit my fraud claim. They also manage to change my code word as well. As of now my fraud claim have been denied. I have read online that other people have trouble with navy federal in regards of fraud claim.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70131
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: These accounts are not mine, I noticed them when trying to make a purchase. XXXX XXXX {$8000.00} opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$3100.00} opened XXXX. XXXX 15 u.s.c 1681 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: During sometime back in XXXX of XXXX I believe I became a victim of identity theft. Someone may have stolen all of my personal information and from that point they began to open up credit cards and receive financial assistance in my name without my acknowledgement! All this was going on without my knowledge for a total of about 6 years. On about XX/XX/XXXX I decided to apply for and open up credit accounts for myself and this is when I found out that I was a victim of identity theft. I immediately contacted all three credit bureaus and reported the fraud. I sent in all needed documents to verify that it was not me. I have also blocked anything from my report without my knowledge. The account is listed as NAVY FEDERAL XXXXXXXX {$1000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: I write navy Federal about my account. This account has been reported on my credit report over 8 years and by law is only have 7yeqrs years to report on my credit history.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/XXXX, my checking account was charged a {$29.00} returned check fee as a result of an ACH transaction presented for payment in the amount of {$820.00}. At no time during the statement cycle was my account ever below {$1000.00}. I requested assistance and clarification about the charge from my credit union ( Navy Federal Credit Union ). They responded that funds deposited into the account were not available, however the transaction log clearly indicates funds were deposited on XX/XX/XXXX. Regardless of the deposit timing or funds availability, the account balance would still not have fallen below {$820.00} ( the ACH amount presented for payment ). As a result of Navy Federal declining the payment and subsequently charging the account a {$29.00} fee, I incurred an additional {$30.00} fee from the merchant who presented the ACH payment ( FACTS payment system ). Navy Federal has not acknowledged its mistake nor compensated me fairly for my lost money, time, nor compensatory make whole relief for the ordeal they created. Navy Federal has agreed to refund the {$29.00} fee, however it took an extraordinary amount of customer time and effort to resolve their willful mistake. It appears Navy Federals internal accounting is prioritizing consumer fee receivables and targeting itss low income military and veteran customer cohort with predatory fee structures. Navy Federals reliance on a self-serving funds availability policy misleads consumers as to the actual available account balance. A review of account running balance amounts in comparison to when Navy Federal supposedly makes funds available makes it clear that Navy Federal is creatively interpreting its own policies to yield fees from its customers. This is predatory and should be stopped. If my running account balance says {$2000.00}, how can I have less than {$830.00}? Fraudulent accounting is how.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 793XX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Navy Federal claims to have reviewed customer call ( XX/XX/XXXX ) regarding closing the checking account. On the call the representative presented the option to close both checking and savings which was not the initial request/purpose for the call, or the best option for long term sustainability of the credit card that was attached to the savings account. I initially only inquired about closing the checking account. XX/XX/XXXX I received a letter from Navy Federal stating they will cease and desist all future communication and will not move forward with any future action they will wait for correspondence from me for any further actions. XX/XX/XXXX Navy Federal is moving to sue me in court in XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Incorrect information on my credit report impact to my score in my life
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I reached out to Navy Federal late XXXX regarding over {$8800.00} of unauthorized charges that consisted of XXXX and XXXX XXXX. Someone had got into my vehicle and took my husband wallet an my debit card was in it. After XXXX weeks of waiting I was informed that my claim was wrongfully denied so I emessaged the bank for a second review. After calling several time I was told giving the police report information would help speed the investigation so I immediately contacted the police department and got the information to them. It has been XXXX months and I have not received any update on my claim nor have I received any money while my claim is still being investigated. The only information I receive when I call customer service is that its still under review and theres no time frame. This isnt being handled properly and I need my claim approved immediately or I will have to seek further legal action for my money and the stress this has caused me financially.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A