Date Received: 2023-04-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened an account online with Navy Federal Credit Union on XX/XX/XXXX. I received the routing number and account number and I transferred {$50.00} from another online account to them, and changed my direct deposits to my new account. The following day I received an email requiring my I.D . and proof of address be uploaded via a link, which I did. I received a confirmation email stating my account would be verified with 5 days. I have tried repeatedly and to every management level with multiple calls to their " Security '' department to get the status of when my account will be unlocked. I'm told 3 to 5 days, yet today, XX/XX/XXXX, is 8 banking days, and there is ANOTHER message today telling me 3 to 5 days. They refused to close the " account '' which I can not access online, or add to any financial service using the routing number or the inactive debit card number, stating this security lock! There is NO corporate number for NFCU aside from the main number, and there are NO numbers to call the local branches. The only option was to contact the transferring entity and dispute that {$50.00} XXXX which completed on XX/XX/XXXX. I want my money returned and will not do business with NFCU which is the absolute worst financial institution I have ever had the misfortune of opening an account with!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: It has been brough to my attention that there are inquiries that I dont recognize and didnt authorize NAVY FCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: So navy federal got something stranger I gave them a bank instrument that can't say I didn't they have cameras lady wan na call me because of complaint same people who say I cant be entitled to my entitlement.now they are charging me to get a head. So my last questions cause it doesn't add up.its pointless sending them things and calling the bank they all play games so it's okay. I'll go threw here Im trying to figure out because is states on bank statement remittance.sendvwith payment .everytime time funds or you guys do something you restrict my account debit things. Then change them around. So no2 the 7 remittances I sent them became holder in decourse.so how is it you guys do these process can explain them when I act in my right .you guys are incompetent to what's going on and you provide your tellers with no info .so the new set of remittance and putting the contempt controller on notice I will send cfpb them to them and if my account is credit only credit it.your holding the instrument to do that.you give wrong info I'm confused XX/XX/XXXX my current balance was XXXX. Now today it shows withdrawals and debit over over XXXX XXXX I deposited a check for XXXX XXXX you have it marked down XXXX XXXX. That's not XXXX so can you give the cfpb the accounts out accounts In ledger ever records to verify I had two accounts always reported y'all haven't responded. We don't have a loan so acting like these balances of obligations between you and the United states have an obligation can you show where I account owner times date transaction showed where I with drew and debit since you guys are kicking back, I'm aware of previous lawsuits you guys have and since you guys are playing games with my credits and are holding im demanding my account be credit .now I can write a 1099a if you guys are abandoned your obligation.and I spoke with XXXX and verified with another party you guys do deposit of remittance so lie to cfpb not me these positives you showing the cfpb prior complaints the balance shows positive. XXXX. Why you telling me it's negative not positive to wan na aplay this game .it 's over so I will now communicate the lady that took my remittance she said she was sending a week ago I'm waiting .saved the phone Convo to .if this is the route you wan na go understand everything I've done has been in good faith.maoes since why you get mad leave notes like the lady that hung up and said fraud spoke with him noooo she put me on hold kept going back and forth every rep does so what's that mean.yourbresponsible for errors and damages occurred I will send cfpb the remittance that I need deposit I'll send where it states in policy you guys sent me but are denying me seemsbluke the right thing to do.my attorney will be stepping to both branches with POA on my behalf to me since you guys are dealing with people 's money but acting incompetent to policies and laws all statements etc he will handle since you thik you can .sad part I can see if I was doing something wrong nope.so this race thing you guys are doing it's good.scared never I fear no one but god.but taking from me because you think you your gon na put on me in a corner and pay your obligation that's not a benefit.and how you take my debit card give me a new login in the I catch what y'all doing and start getting info now I'm restricted.its over so can you explain show cfpb what your telling me because everything you guys are saying I can show your saying opposite like account ending XXXX and aww here 's the update on claims how do you provide a provisional credit to use but can't use it what kind bs is that I need you to show this fourth and please cause I didn't get it or debit that your ledger is off that's why is not balancing correct.oh why my life insurance company said you guys said I gave them wrong payment info. I sent them same info you gave me .you guys got a problem with a person who's not white but a person of hue not from XXXX doing what your average customer doesn't do.like I sent them the info y'all gave me and match what with I put XXXX why are you causing all my accounts to be shut down reaching too accounts I have to be shut down .providing wrong info.your days are coming believe that.ajd this wire that was approved that was supposed deposited to my other bank where is at.i screened shotted it did you guys cancel that .y'all act like XXXX XXXX I'm not scared to speak the truth.im real .you mad deal with it.question if I came in took money with out permission I got to XXXX.why shouldn't you for the same thing .what the difference between me and you .same applies to employee last warning stop taking myoney if your not entitled to it.i need mine.and every bill your gon na pay of mine cause your holding my credits so your responsible.i don't wan na everstep in to your branch period I don't deal with evil deceptive incompetent people no benefit.i will not call waste of time I need my credits and I'm done with you guys last warning stop taking my credit and you can't properly hold my security then you need to give them up I have assets so like how we doing it but you've owed me havebt respond to anything I need all my entitlement now .stop playing because your playing with money that feed ay kids .and y'all create numbers so explained to me if this not your loss and you didn't loan me moey I created the value and traded instrument for it. Don't act like there is a loan or promissory note that I need to provide you free money you didn't lend as a loan is this your credit you loaned me or your assets I bought.ii know you better stop acting like I owe you and it's you guys that owe and ain't crediting my account but debting it.smh
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: My husband who I am now legally separated from, got a personal loan originally for {$8000.00}. I was co-signed onto the loan XX/XX/XXXX and an additional {$4000.00} was added onto the loan, so a total of {$12000.00}. The only reason I agreed to signing this loan is because I was being severely abused by his parents while I was pregnant and didnt have any other options, as I was living with them, and needed to obtain housing elsewhere. I left my husband due to XXXX XXXX in XXXX of XXXX. There is an open investigation in the city of XXXX XXXX and Id be more than happy to send this information over to Navy Federal to prove the validity of my statements. I made Navy Federal immediately aware of my situation and had been in contact with them throughout XXXX and XXXX that I was facing a lot of struggles as a single mother, on top of financial hardship. I have been diagnosed with XXXX and XXXX and it is not uncommon for stuff like this to become difficult to remember or even resolve. The last XXXX years have been very traumatic for me. The personal loan payments a month were over {$350.00} and I couldnt afford to pay that. My husband originally discussed with me that he would take on the responsibility of paying off the loan. I believe it was put in our temporary orders. I dont know when, but at some point he stopped paying on the loan. I recently started getting emails to settle the account. I never received any detailed information that the account defaulted or that I was at risk for right to offset. I feel as Navy Federal didnt give me sufficient information or make reasonable attempts to contact with me to speak to me about this. I received my tax refund on XX/XX/XXXX. I had {$6000.00} in my account, and not even a few hours later, Navy Federal emptied my entire account. I called their collections department and they refused to help me at all. I told the manager that I am depending on this money. I am between jobs right now and have a XXXX XXXX XXXX at home, and that this could make us become homeless. I cried to her and asked if there was anything that she could do to even get a portion of it back and then we can set up monthly payments. I asked for any solution, any leeway. She did not empathize towards my situation at all or have any solutions. She was cold and kept repeating herself and told me it was my fault, Im responsible for the loan, and if I wouldve contacted Navy Federal before they took the money, then they could have helped me. She said there was absolutely nothing they would do to help me. I only received XXXX emails from Navy Federal. Ive recently made contact with Navy Federal over the phone for various reasons and over the last 2 years, and it wasnt mentioned to me that my loan was defaulted or at risk for defaulting. They genuinely never gave me any sufficient information to explain this process to me. Since XXXX I have only received XXXX different emails with settlement options. The manager told me none of those options apply now and the money they took from me wont go towards settling because I didnt call sooner, so the remaining balance after this is still over {$8000.00}. The only way she could help me moving forward was to set up payments. I was relying on this money to pay my bills, pay my rent, buy groceries, and give me time to secure better employment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77551
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Creditor, I am writing to dispute the validity of a debt that is listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to request that you provide me with validation of this debt. Under the FCRA, creditors are required to report accurate information about a consumer 's credit history. Inaccurate information, such as the reporting of a debt that is not mine, is a violation of my rights under the FCRA. I demand that you take immediate action to investigate the accuracy of this debt and provide me with validation of the debt. Failure to do so will result in legal action to enforce my rights under the FCRA. Furthermore, I demand that you remove any negative information related to this debt from my credit report until the debt has been validated as accurate. Failure to do so will also be a violation of my rights under the FCRA. I look forward to your prompt response to this matter. Please note that I expect a written response within 30 days, as required by law. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I filed a dispute with NFCU on XX/XX/XXXX about two charges that were paid in advance for a trip that was to take place on XX/XX/XXXX and end on XX/XX/XXXX. The first charge was on XX/XX/XXXX for XXXX and the second charge was on XX/XX/XXXX for XXXX. The other charges for the trip was paid with a different credit card. Music getaways sent an email on XX/XX/XXXX notifying me that the trip has been cancelled due to unforeseen circumstances. I called the XXXX XXXX XXXX to find out that music getaways never paid the XXXX for our reservations which led to the cancellation of our trip. Since then music getaways have sent out an email talking about refunds that he have no intention of giving. I have not spoke with anyone from this company. I have sent an email to music getaways asking for a full refund because our monthly payments were not applied to the Hotel. NFCU have issued me a temporary credit upon investigation and are still waiting for music getaways to respond. Music getaways have wiped my account clean where it doesnt show that I even purchased a trip to the XXXX XXXX XXXX XXXX Also music getaways have filed bankruptcy on XX/XX/XXXX. They are telling the banks that they have a no refund policy and they have issued credit for the trip which is all lies. XXXX giving you complete access to my accounts for your records so you can see all disputed accounts are wiped clean and no credit is applied. I have always asked for a refund never a credit for transfer to a future event. As far as the future event thats not going to happen because music getaways have filed bankruptcy and furthermore hes not allowing anyone to transfer because we filed a dispute. Enclosed I have proof that funds were never paid to the XXXX XXXX XXXX they provided all customers with this letter stating they never received payment. So the non refund policy should not apply because the event was canceled for non payment from music getaways. On top of that music getaways have filed bankruptcy and have no intention of giving us a refund or credit. Please pay attention to the Responsibility and limitation of liability section in the waiver we signed for the trip. It states that payments are not kept by music getaways all payments are paid to the hotel. I also have a copy of the email that was sent by music getaways canceling the trip two days prior to departure. Good thing I have copies of my purchase with music getaways.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There was fraudulent activity made on my credit card. NFCU the banking institution who I got the card through removed the activity. I continued to pay on the card but I noticed they put the debt back on the card. Not only that I won a judgment in court on the card for XXXX. I was going to pay it to NFCU but I saw on my credit report that the monthly payments that I had been making was not posted. I called NFC and tried to get some understanding about the situation and they kept hanging up in my face, even when I called back to get info on making the payments they still hung up in my face. I don't know where my money went that I walked into the NFCU and paid I went to the XXXX, TX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I went the XXXX, Texas location last week. I spoke with the bank XXXX about these issues and she stated that she noticed a jump in the card balance from a lesser amount to a higher amount. She also state that she doesn't know how it happened. I started to take notes on my phone and I repeated everything she was saying as she read it off the computer to me. She noticed me taking notes and asking question so she stop speaking. I asked her for a printout of my transaction history she printed me out a copies of my bank statements and supposedly copies of the credit card transaction. I took the transitions home and I went through them all and there was a lot of information missing from the bank account statements that I used to have there and there was no credit card information printed on any of the statements. Both folders of statements was the same copy of each other over and over again from statements that were months that had nothing to do with what I was looking for. I am totally disgusted at this point.There was a jump from XXXX because that's all that I owed on the card to XXXX to XXXX I was shocked because the XXXX that I was going to pay would have me owing just XXXX. Which I could have paid off with ease. NFCU told me no one could make transactions on the card but the amount continued to increase. My credit report shows past due and no payment. I attached the few times it showed where I made payments but where are the rest of the payments that I made on the card?? They are no where to be found. This is fustrating because it's showing the account 90 days past do and more.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a client with Navy Federal Credit Union ( NFCU ) for over a year. As of the XXXX of XXXX NFCU has frozen my business account ( acct # XXXX ) as well as my personal account ( acct # XXXX ). After a client paid my company for services rendered and for a vehicle purchase. The third party paid with a cashiers check made out to them and then signed over to my business. After the check was deposited this Navy Federal put a hold on the check for five days. Afterwards the hold was lifted the funds were made available. When the funds were disperse from the account. Navy Federal then blocked stating suspicious activity. After contacting Navy Federal, they informed me that I needed to present a letter from the third-party with their ID and three signatures. When I complied and my client provided the letter with signatures and identification. Navy Federal then informed me, that I would have to provide my identification and three signatures. After complying with Navy Federal demands, both accounts are still frozen. I encountered an issue with my account that required urgent attention. I contacted customer service and was put on hold for extended periods, which was frustrating. When I finally spoke to a representative, they were unhelpful and did not resolve my issue. It is now going on two weeks. I then visited the only branch which is a two hour drive. Where I was then informed, that I have to submit an appeal in to overturn the decision to freeze my accounts. Not only was the branch manager, vague and unhelpful. I am still in the dark with no one to turn to. Navy Federal, is not only stopping me from conducting commerce. As well as paying employees and bills to keep my business afloat. I have made several attempts to contact Navy Federals security department. Which has hold times that are well over two hours only, to speak to representatives that are unknowledgeable and unhelpful. After submitting the appeal, Navy Federal informed me that it will take approximately 15 business days or more to investigate and make a decision whether to release the remaining funds. It is to my knowledge that Navy Federal is abusing their power to take advantage of the situation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I spent 2 hours on the phone with navy federal trying resolve a deduction from my account and supervisor after supervisor said I was wrong and made me feel like I was stupid and didnt know what I was talking about. It was only after the 3rd attempt that the supervisor saw the error and even then he threatened to hang up on me. If I wasnt persistent they would have taken my money. Im 5 month pregnant and the whole incident created undue stress
Company Response: Company believes complaint is the result of an isolated error
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Upon reviewing my credit report, I noticed a Navy Federal Credit Union credit card that was not mine ; I contacted NFCU ; I did not open a membership or apply for a credit card. XX/XX/23 notified NFCU; confirmed that this was not mine ; NFCU closed acct; completed their Declaration of Forgery and Fraud Claim - cf # XXXX ; XX/XX/23 filed disputes with credit bureaus. XX/XX/23 called because I did not receive a confirmation letter ; no update XX/XX/23 contacted NFCU security, XXXX ; on hold 1 hour ; spoke with XXXX who was concerned the case was over 53 days with no movement ; escalated and provided case # XXXX XX/XX/23 called NFCU security, XXXX ; on hole XXXX & XXXX ; spoke with XXXX who confirmed no movement ; escalated again and provided email - XXXX ; XX/XX/23 I emailed XXXX the above information and requested an update ; no response as of XX/XX/23 XX/XX/23 contacted Florida Attorney General and received additional resources. I have applied for a position with Navy Federal Credit Union and am pending status ; I can not be hired until this alert has been removed. XXXXXXXX filed Federal Trade Commission Identity Theft Report I learned from the XXXX report that the address associated is XXXX XXXX XXXX XXXX SC XXXX or XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never resided at these addresses or city. I did not open a membership or credit card with Navy Federal Credit Union or authorize any one to on my behalf.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32514
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A