Date Received: 2023-04-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This company is threatening to forward my information to someone I've never done business with in order to file suit. While typing this I have received another email correspondence with threats. I'm not sure how this company received my location information. Its seem someone else sold my personal information along with an alleged debt. The stress this company is causing me is becoming unbearable, I feel my character is being defamed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Teller created a minor error, however XXXX. " XXXX XXXX '' made issue worse. Attempted to establish a complaint that was trackable to get follow-up. Problem occurred on XX/XX/23, bank Mgr. " XXXX XXXX '' promised to call by XX/XX/23 ... no respose received as of XX/XX/23 from XXXX XXXX. NFCU has no way of documenting complaints and there is no way to track any complaint received. XXXX resolution is two fold : 1 ) Ensure bank customers can levy complaints and get feedback from upper management that the complaint was understood. 2 ) Ensure tellers can print and provide customer statements to avoid having to make an appointment or speak with senior members at the branch to fulfill a simple request. The XXXX waisted my time arbitrarily and I would like a written apology and call.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, yesterday, XX/XX/2023, I attempted to use my Navy Federal credit union online mobile app for a check that I needed to deposit. I have been banking with them for almost 20 years. I am a private XXXX. Interestingly, I investigate fraud. I cash my checks from other private investigative companies, and usually the same ones. I scan and upload my checks the same way every time and have never had any issues. My deposit was denied five times in a row, and the only reason the email gave was very vague. So I called Navy Federal and they put me on hold for about 30 minutes because the associate did not understand why my check was denied either. She indicated that her and her fellow employee could not understand why my check was flagged and they both saw that it was from the same company that I cash checks from. She told me that she shouldnt be telling me this, but they have been having glitches all day and they had a system update. She told me that my mobile app would not allow me to cash checks, and I have no idea when it will allow me to. So luckily, there is a XXXX in XXXX, but I travel a lot and now Im not able to cash my check anywhere until I get back into town this is absolutely ridiculous and they still have not responded to my email requests to unlock my deposit feature on my mobile app.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98387
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was charged XXXX in XXXX without my authorization. I was buying a drink and it was declined, I checked my account and saw that there was a charge of XXXX to the day before. I was able to send a fraud report on the 7th but Navy Federal Deemed it as valid transaction because chip was used but I never used the card for this amount. I spoke to a supervisor and she was condescending, manipulative, she made feel like I should okay about the situation and make it seem that this is my fault, there is nothing they can do. I am a full time father and this is my mortgage money. She kept asking what I bought that night at mid night, she kept leading me to a conclusion and everything I said she used it to make it seem like its my fault or that is the reason of the fraud. They deemed it as a valid fraud due to can not determine the merchant and determine if its fraud or not.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32533
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: 2 checks total amount of {$4000.00} was deposited in my account in 2 different date without my account number by a stranger that I did not know. I went to the bank 10 minutes after they were deposited. the bank assured me the funds are good and available to withdraw. I used two different branches to make sure the funds are valid, asked if you verify the funds and if the funds are good to withdraw, They both assured me all is good. I withdrew total of {$4000.00} in 2 branches the same day as it was deposited. 4 days later, the bank overdraw my account because the checks were fraud. ( XX/XX/XXXX for {$1800.00}, 2 days later XX/XX/XXXX {$2200.00} ) The bank should have hold and verified the funds before giving me the money. I had to come up with {$4000.00} to cover my account. The person who deposited the check did not show and ID, and did not have my account number. They are no where to be found. This is bank mistake to allow this without proper ID. I tried to resolve the issue with the bank. But they said I am responsible while they made error of letting stranger to deposit with knowing my account number or showing legal ID. They need to be held responsible for this. They could have prevented this fraud at so many different level like holding the check til its clear before releasing the funds to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XXXX XXXX, XXXX {$5.00} XX/XX/2023 XXXX XXXX XXXX {$64.00} XX/XX/2023 XXXX XXXX {$190.00} XX/XX/2023 XXXX XXXX XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( ie : an original consumer contract with my signature on it ) that you have on file for the account listed above. or a certification from the creditor that certified the accuracy and completeness of the information/account. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/2021 I made dispute of about XXXX twice in same month. XXXX XXXX paid for my return flight and told me to go bank the bank reimburse me for one disput but not other equaling {$4000.00}. Now the fraud department has restricted me from debit card use and I glued with ftc to prove identity theft. I need a debit card and my account is never negative and have proof. They also will not let me open a business account from an issue 30 years ago and I ask to dispute I cant and I have no paper work. I feel Im in good standing and should have a debit card and he allowed to open business account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This debt is about two years old ; Navy Federal has given the debt to another company, XXXX XXXX XXXX XXXX XXXX XXXX took a payment from me, saying they could settle the debt. Navy Federal refused and said they wanted the total amount ; when I asked for proof of said debt, I was given the runaround, and mind you, I have two obligations with Navy Federal, and they will provide nothing. XXXX XXXX XXXX reached out about two weeks ago, saying Navy Federal agreed to the settlement. I contacted Navy Federal, and one rep stated, No, we do not agree and will not settle. The other said, We agreed to the settlement but didn't know the terms. she put me on hold and transferred me to another lady who said the same but gave the amount of XXXX. Navy Federal took money out of my bank account and honored some of the refunds I disputed. Navy Federal went on to close a credit card with a deposit of XXXX and has all but refused to explain where that money went. They have already sued me and continue to cause emotional stress, at this point nobody is on the same page and we have mediation tomorrow.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Ive reached out to Navy Federal XXXX of XXXX, and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX and have gotten no response. I was a victim of fraud and I explained this to the company along with making a police report and sending in the police report information and it was rejected. Ive called on several occasions and no one has listened to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In XXXX, my newly opened account with Navy Federal was restricted access because someone attempted to change my address multiple times. In XX/XX/XXXX, after placing a call to get my account unrestricted, I was told that I needed to send my identity and address verification documents to XXXX. For a month nothing happened. In XX/XX/XXXX, after calling the Navy Federal customer service center, I was again told to send my identity and address verification documents to XXXX. Two months went by and my account was still restricted. On XX/XX/XXXX, I again called the Navy Federal customer service center and expressed that I have not had access to my account for almost a year. The representative again told me to send my identity and address verification documents to XXXX. The representative waited on the phone until I received a confirmation email that the department had received the documents. The representative said give it a few days. After several days, my account was STILL restricted and I still had no access to it. On XX/XX/XXXX, I called the Navy Federal customer service call center again and this time asked to speak to a supervisor. The supervisor told me that unfortunately I was given the incorrect email and department each time I called for the last year and I should have been sending my documents to XXXX. The supervisor waited on the phone until I sent the documents to that email and he also reached out to the appeals department to ensure they received the documents and confirmed that they did. The supervisor advised me that it would take up to 14 business days to review the documents and un-restrict my account. After a month went by, I called Navy Federal customer service again to check why my account was STILL restricted after doing everything and jumping through all the hoops. The Navy Federal rep said that the security appeals department was backed up and to give them another two weeks. I have called every 2 weeks since then and I get the same response- they received the documents and please give them another 2 weeks. It has now been 3 months since I sent my documents to XXXX and it has been a year since I have had access to my account. I just want to access and be able to use my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93727
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A