Date Received: 2023-04-18
Issue: Getting a line of credit
Subissue:
Consumer Complaint: bank denied me personal line of credit to help with financial hardship, even though I get {$6000.00} - {$7500.00} deposited funding throuhg my checking account every month.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31015
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a dispute in 2022 with XXXX XXXX. They reversed my credit and closed my account. I submitted several documents to them for a reconsider of my disputed charges. They had valid proof and evidence that I was not the one who made these charges and they denied my dispute. From XX/XX/2022 to XX/XX/2022 they did not reach back out to me or notify me. I had to call and once I did they said my evidence was not enough. I then submitted more evidence to them and they decided not to reopen my dispute after an agent told me to submit my new evidence and they will reopen my dispute. All of these conversations can be looked at in their system.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23453
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Multiple transactions have been done on my account from XX/XX/XXXX to XX/XX/XXXX XXXX and I noticed it in XX/XX/XXXX when i was about to pay my car loan when i received a message of insufficient funds whereas i had just deposited a check in my account ( I usually deposit a check into my account every Friday or Saturday but stopped when I noticed this problem ) .The next day I informed my bank ( Navy Federal credit union ) by phone, I was given the a phone number of the fraud department. I called several times and i was asked if i know XXXX XXXX who had removed {$2000.00} ( XXXX XXXXXXXX XXXX ) and {$110.00} on XXXX from my account. On this same XX/XX/XXXX, Someone added {$600.00} of credit card cash advance to my account.. Early XX/XX/XXXX, I went to the bank for the third time and asked for my account statement then realized that there were two loans ( {$4500.00} on XX/XX/XXXX at XXXX and {$2000.00} on XX/XX/XXXX at XXXX ) that were issued to my account without my knowledge. Also, after several attempt to know where this money was transferred, the bank gave me a document showing the account number where {$2100.00} were transferred to and I don't know the owner of this account. Facing this situation, I have been report to the credit Bureau and each time I deposit a check or money into my account, it is automatically taken .I have tried several times to resolve this problem with the bank but they keep on telling me about privacy .Please I need help in resolving problem with is negatively impacting my life.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20912
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
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: XXXX navy federal and XXXX XXXX XXXX are all showing on a XXXX XXXX consumer report these are all stemming from identity theft in which I've sent police reports affidavits and ftc reports these financial institutions have chosen to violate my rights and not remove these invalid and illegal accounts from thier system over hired an attorney to take matters to local and federal courts
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: In XX/XX/XXXX, I discovered that Navy Federal had auto loan rates ranging as low as 4.74 - 5.74 % for new and used vehicles for up to 60 months. There are 3 categories, new vehicle, late model used vehicle, and used vehicle. I submitted an online auto application, however, instead of there being 3 categories, there were only 2, new and used, so I chose used for 60 months with a trade in. I received a message at the end of my inputting my information that I needed to call in to have my application reviewed. I did just that and spoke with a rather uncooperative agent. She informed me that Navy Federal can offer me an interest rate of 5.44 % I asked her why so high, when my credit score range near XXXX, surely, I should qualify for the lower rate. She stated that is what is offered for a XXXX vehicle. I said to her, the website state late model used vehicle, but that wasn't an option during the application. I told her I wasn't happy with that and I would like a further review of my application with someone else. Later, I told her if they are unwilling to review my account then cancel my application because it's is false advertisement. XXXX weeks later, I received a letter in the mail of credit denial due to level of delinquency on accounts ( which my XXXX report has XXXX adverse account ), too many accounts with balances ( my accounts have less than 35 % utilization and low balances, too many inquiries, and length of time revolving accounts ( I have XXXX revolving account XXXX XXXX that is less than a year old ). I then began emailing XXXX XXXX and XXXX XXXX of my less than favorable experience. On XX/XX/XXXX, I spoke with XXXXXXXX XXXX XXXXXXXX assistant whom called me to offer me a rate of 6.9 % for a XXXX vehicle and after asking what factors determined that, she informed she could not disclose. I feel as though Navy Federal has discriminated against me with false information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: NAVY Federal Credit Union stole my entire California State and Federal Tax Refund without sending me to collections or notifying me of any action ( s ) in writing. I was expected to receive from State {$2000.00} and Federal {$6700.00}. Mind you that they are not only taking my money away, but my child 's money that he is entitled to by law as a dependent from State and Federal taxes. I am a XXXX veteran single XXXX mother caring for my XXXX son and XXXX mother. Federal Law allows only State and Federal Government Agencies to take refund money as payment toward a debt which NFCU is not. NFCU so called claims to follow NFCU Credit Card Agreement and Disclosure, but yet they refuse to provide me with the exact fine print to show me. NFCU failed to provide anything to me in writing by mail or email notifying of such offset. I have checked with the Bureau of Fiscal Services to determine whether an offset was to occur on a debt other than State or Federal Tax and they found zero. I have to pay XXXX for my late mortgage, XXXX to DWP ( Thanks COL in XXXX ), I also have to pay XXXX to NFCU for my checkline, and other bills. I expect my money back in my account asap since you have violated laws, regulations, and agreements, Furthermore, what they stole from my account has to be reported to the IRS which will cause to report a charge off as income which requires an amendment to my taxes. NFCU knows I lost my job, am XXXX and pending medical retirement/SSI, and I have other priorities other than a multimillion dollar credit union XXXX After the pandemic millions of us Americans have struggled and in debt, but what you did is theft and it is wrong. NFCU also stated by phone that they would offset {$180.00} each month beginning May from my VA disbility money. I expect NFCU to make the correct decision and return all the money they stole from my child and me or will resort to other legal and newsmedia means for help!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91605
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account as been restricted since XXXX I have sent in multiple Security appeal forms I have went to the branch multiple times I have also sat with the branch manager who advised me to call security. this process as taken way too long and my funds have not been available to me and I have things to take care of.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Good morning to whom it may concern, I am writing as I have tried several times to receive an auto loan from Navy Federal Credit Union in order to purchase a new vehicle. I have been repeatedly denied credit and the main reason is because " I caused the bank a financial loss, '' by settling credit accounts that were charged off in order to purchase my first home in XXXX. I am confused as this is a federally insured bank that receives billions of dollars in annual revenue, but tell me they I will be denied credit because I caused them a financial loss. We live in times were it is harder to receive loans due to selfish lending practices from banking institutions. I feel as if this is in violation of the fair credit reporting act, and a form of discrimination. Because of this, I am afraid to attempt to request auto or personal loans from Navy Federal as I feel they are being discriminatory towards me as a consumer due to me settling those old accounts. Thank you for you time and consideration into this matter. Have a great day.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Currently Reporting on XXXX and XXXX 1 ) Navy Federal Credit Union Amount {$25000.00} *Date opened XXXX XXXX. *Disputed this account via certified mail to Navy federal and the credit reporting agency XXXX XXXX XXXX 2 ) Navy Federal Credit Union {$2100.00} *Date Opened XXXX XXXX *Disputed this account via certified mail to Navy federal and the credit reporting agency XXXX XXXX XXXX 3 ) XXXX amount {$710.00} account opened XXXX XXXX *Disputed this account via certified mail to Navy federal and the credit reporting agency XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Sir/Madam, I am writing to you in reference to my account with your company, which has been reported to credit bureaus as having late payments. I am aware that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1666B and 15 USC 1637b, protects me from incorrect and unfair reporting of information by creditors to credit bureaus. Upon reviewing my credit report, I have noticed that your company has reported late payments on my account. I would like to remind you that this is illegal under FCRA regulations, and it has negatively impacted my credit score and ability to obtain credit from other sources. As per FCRA regulations, creditors are required to report accurate and timely information to credit bureaus. Any inaccurate or unverified information must be removed from my credit report immediately. I demand that you delete the derogatory payment history from my credit report and provide me with a written confirmation of the same within 7days of receipt of this letter. Failure to do so may result in legal action being taken against your company for violating FCRA regulations. I urge you to take prompt action to rectify this situation and avoid any further consequences. I look forward to your prompt response and resolution of this matter. Account information : NAVY FCU balance {$0.00} 30days late NAVY FCU balance {$3100.00} 60 days late account reporting CLOSED Thank you, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A