Date Received: 2023-04-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: FRAUD. CREDIT CARD WAS OPEN FRAUDULENTLY. PLEASE REMOVE OFF CREDIT REPORT AS IT IS AGAINST THE LAW TO REPORT ON CREDIT REPORT. THIS ACCOUNT WAS OPENED AND USED UNDER MY NAME FRAUDULENTLY. PLEASE REMOVE IMMEDIATELY. THIS COMPANY DOES NOT RESPOND AT ALL.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I regret to inform you that my Navy Federal Credit Card was erroneously closed due to the discovery of TIL and Regulation violations. The account closure was caused by billing errors, which I believe were beyond my control. Furthermore, I have reason to believe that some of my accounts at Navy Federal, which were previously reported as closed, are still open. However, I am confident that the FDIC will cover any negative balances that may arise from these accounts. I appreciate your attention to this matter and look forward to resolving it in a timely and efficient manner.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33544
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy Federal as been doing whatever they want to with my account for the last few months I have been frozen since XXXX there is over {$50000.00} in my account and I need to access the funds it is a 2 hour wait time to call whenever I try to get someone from security I submitted all the required documents and they still have not reached out its way pass the time frame they give and I need to go to the bank and withdraw my money and they need to remove all restrictions from my account and stop doing this to me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Money was not available when promised
Subissue:
Consumer Complaint: In XX/XX/2023 there was a transfer to my savings account in the amount of XXXX dollars, that should have been available to me immediately. The XXXX dollar transfer still remain in a running status today. I spoke with a Navy Federal employee who stated to me there is a security hold on my end and I would need to speak with Security Operations. I was placed on hold for 45 minutes, I disconnected that call and place another call soon after. I spoke with another employee. I asked to speak with a supervisor. I spoke with a supervisor by the name of XXXX who could not resolve this issue and to be honest dont think he actually cared. I explained to XXXX this XXXX dollar transfer isnt available to me and is still in a running status. He stated there has been a lot of fraudulent transactions and there are security in place. I stated to him there was another transfer from the same individual to my account in the amount of XXXX dollars this week that was processed and available. He stated to me the individual need to call in and release the hold. Whats odd is I have received several conflicting statements from this institution regarding this transfer in the mean time, the XXXX dollars that was withdrawn from the other party account is in the hands of Navy Federal but they refuse to release it to me and has not gave me a valid reason. I did ask XXXX why would you release a XXXX dollars but not the XXXX dollars transfer from the exact same individual. He could not answer that question. I sailed him to transfer me over to someone that could answer that question. He stated there was a 2 hour wait in the security operation dept. I asked for his supervisor he stated he could not give me that information. I asked for his id number he stated he could not give that information. I stated I would be filing a complaint and disconnected the call. I have been banking with this institution for 24 years and never had a problem with a transaction or transfer from this individual that has been making transfers for 20 years so there is no reason for this to happy. I would like my funds to be released immediately and I will be closing this account soon after.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32503
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: While at basic training for the XXXX XXXX through XXXX, XXXX XXXX XXXX XXXX sent my title to navy federal credit union XXXX XXXX XXXX It was apparently lost in the mail and so XXXX refused to get another title for me. They would only send a application for duplicate title and lean release to navy federal which navy federal would then send to me and have me get another title and return to them. Since I was at basic training while this happened, Navy federal increased my interest rate from 5 % to 15 %. I have conducted hours of phone calls to get those documents sent over to navy federal where XXXX has lost two documents and continuously refused to help me further. Navy federal is refusing to assist me with the extra interest i have been paying, even though none of this is my fault. XXXX has stated they sent the document in XXXX, XXXX, XXXX, and XXXX. However, to my knowledge only XXXX documents have been received. I have been paying hundreds of dollars in interest over 4 months trying to get this sorted out. XXXX is refusing to get a new title themselves and is requiring me to pay the filing fee for the duplicate title application. The biggest issue being I live in washington now with my vehicle but the car is still registered in Hawaii. Therefore, I have to mail all documents to Hawaii DMV in hopes they process everything correctly with navy federal as the new lean holder and get the title back to me. I have been attempting to get this sorted out for 4 months and no one has helped me on either end to get this sorted out.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98409
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Charges were made on my account for XXXX XXXX XXXX XXXX XXXX XXXX I tried to dispute as I am XXXX XXXX XXXX and obviously would not be in these places XXXX Navy federal denied my claim and my appeal. They wont send me documentation as to why it was denied and said the police will have to subpoena the documents. I am troubled that I was willing to send proof of my XXXX to prove I was not at these places. Also same day I have charges that I did make where I live. The distance between the two places is over XXXX mile radius. How can I be at two places at once?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Navy Federal Credit Union is reordering transactions to charge multiple overdraft fees for purchases made while the balance was positive. Ive asked to be opted out and are still receiving fees. International fees
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20646
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: A friend sent me money in which I attached all receipts for a trip as seen on the receipts attached. From her phone number etc. We then chose to cancel an I advised once I received funds back she would be refunded. She chose to report fraud instead of awaiting the refund. My bank without researching calling me etc just put fraud on my XXXX account and close permanently. Staying confirmed fraud. I said how was that confirmed I was contacted no one asked me for documentation like a regular investigation. They were just aggressive and told me it was permanent dosnt even try to fix it when I advised I had proof this not fraud. I put a lot of money is this account monthly. See attachments it was clearly sent from the sender XXXX on her own free will thats not fraud. Her requesting a refund is not fraud I have to process her refund from XXXX nothing to do with my bank or XXXX. But my bank stated they confirmed fraud how and where. My bank can confirm both of these ladies sent the money only one lied on it being fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: During mid XXXX in between XXXX XXXX me and my fiance were robbed at knife/gunpoint by several masked indivuduals they took our wallets, keys, and phones ( which were not password protected ). Following this incident me and my fiance filled a police report that same night ( case number : XXXX ). However, i did not know which cards i had on my persons so I was not sure until i saw the charges. On XX/XX/XXXX I opened my navy federal account and noticed there were several transactions on my account that totaled XXXX XXXX As soon as I noticed this I called navy federal and explained everything and filled a claim. On XX/XX/XXXX I received a letter from navy fed saying that the charges were authorized and that they would not be giving me my money back. Keep in mind I researched and found the merchants and physically went to every single one of them and none of them had seen my face or my partners face. One store was a XXXX store i spoke with the employees and they stated that a purchase someone made matched the last 4 digits of my card and they also attempted mobile purchases from my mobile device that they stole as well. I asked them what they bought and they told me it was against the law for them to tell me exactly what was bought but they did tell me it was a firearm. Keep in mind that XXXX bought in my state ( Virginia ) have to be registered to a social security number in order to complete the purchase. You can run my social security and my partners social security and there are NO REGISTERED XXXX in our names. Also, keep in mind me or my partner do not own guns we are heavily against weapons. That charge alone was around XXXX XXXX We do not have any XXXXs registered to our names this clearly shows that the purchase was not made by us
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23508
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This company is reporting to the credit bureaus inaccurate information about an account that was sold to a collection but the company is still trying to collect on a debt and also reporting negative information on my credit that i have disputes numorous of times but they said they verified the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64134
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A