Date Received: 2023-04-08
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 have already provided NFCU legal documents and they are still giving me reasons why I am considering taking them to Court like I have other Banking institutions and they settled. This account is fraudulent my previous roommate who came to stay with me from XXXX confessed to opening, using accounts, and she said that she did it after moving out. She had the mailbox key and would give me mail and withheld the accounts open up fraudulent. Yes NFCU is not doing anything because payments were made. Payments were made so I would have not noticed if I needed credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: On XXXX I called navy federal credit unions ' survivors benefits phone number. I spoke with a representative who during the process told me that my checking account routing number may not work " if I don't know what kind of routing number type it is ''. I explained that I've used it for a decade or two with no problem. she said that if it's incorrect, it may slow things down or stop them. I indicated that I'd greatly prefer the electronic transfer to my checking account, but what are my other options? She replied " a check '' ( she did not say cashiers check ), I said how long would a check take, two weeks? She said half that time. I said ok, that's fine and that I would check my " mailbox '' each night ( because XXXX, XXXX, XXXX ETC... don't put their package in the USPS mailboxes and they should know this ). Two weeks go by, I call back to find out the delay. They have no idea, at this time, anything about the " check '' ( I still assume at this time it's a regular check ). Nothing, not when it was sent, how- either USPS or XXXX XXXX, etc. But they told me that it wasn't 2 weeks yet ( I questioned there math from the only info available, my call in date ). So I was told that the two week period ( which was just a period of time I picked out of the air ) would not be up until the next Wednesday ( Tuesday actually, but I was to call in on Wed ). So Wednesday came, I called, got the same individual as my last call, this time I was told that it WAS mailed on the 9th and it went USPS, but that it seemed " lost '', they didn't know where it was and it would be 90 days from now until they either found it or at 90 day reprocess the check. Wow, my heart sank, I really need this money right now, without it I'm bottlenecked financially and can't hire a lawyer to fight for my SSI, SSA benefits which are time sensitive, you only have a small window of time. So this is adding great stress to me. I hang up. A few minutes later I call back just to see if I got a " bad employee '', I got a different answer from this person, but this time I was told it was sent XXXX XXXX and that it was a cashiers check. I explained that I did not ask for a cashiers check, nor did I want one ( I knew you would have to be present to sign for a cashiers check and XXXX XXXX had played that game with me before and I wasn't playing again ). But That the check was still " lost '', even with a tracking number, they could not find it? I was told that they would contact me when or if it's found. A few days later they called, left a voice mail saying they have it, please call in. I did so, I Explained again that I did not request a cashiers check, but that I was funneled into only having a choice between a possible bad electronic transfer and getting a " check '' sent to my mailbox requiring me to wait up to two weeks. I was told that there was " ABSOLUTLY '' nothing that could be done, they just need an address to mail it too. I sank right into a depressive state. I had no way of ever getting the money, I couldn't get a lawyer, my future is over is all I've thought since then. I told them to hold the check, I hung up. I called a supervisor ( which took me two calls, no one knew who this supervisor was or how to reach them ). Left a voice mail for this supervisor, requesting info about the check. she played phone tag with me for a few days, after a week I called her back, left yet another voice mail requesting check info, eventually I got some of the info and a " call me '', we will discuss options. Options- WHAT? What options? I was told that I had NO options. I didn't have any trust in this company at this point, was afraid they would try something shifty. During this time I contacted the consumer help agency ( thinking it was you- my mistake ), they pointed me back to you, saying I should contact you. So the last voice mail I got from them was about day 35 from the time I first called in, XXXX, saying that they have made an exception and have place the money into an account that is ready to be sent electronically. I DON '' T TRUST THEM at this point. They did something that definitely seems illegal, then compounded it by not knowing anything. They should be fined, They've had my money for more than 30 days, what about interest ( they won't tell me the amount ). Should I try to get a lawyer? It's not fair that they cause such problems and get away with it, my whole future is sinking because of this. I have an account of dates and people I spoke with, what each said, etc. nothing follows -- -- ---
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This appears to be a recurring issue with Navy Federal in that they have no issue helping themselves to your bank accounts without warning or consent or any concern for any other obligations you may have. I paid my auto loan on XX/XX/XXXX with the next payment being due by XX/XX/XXXX. But NFCU initiated a transfer from my accounts on XX/XX/XXXX for that same loan and before my mortgage payment was deducted and credited which was on XX/XX/XXXX. I thought that by law mortgage payments had to be credited immediately yet NFCU waited for XXXX days. My mortgage balance is constantly being changed which affects my credit negatively but that is another matter. I initiated a transfer from XXXX of my external accounts into my NFCU account using XXXX. That transaction took XXXX days to go through which is unacceptable but that cash transfer would have allowed me to make my monthly payment on my NFCU credit card in the amount of {$400.00}. That same card saw my payment double when my interest rate went up to the maximum they can charge for that particular card. So now my bank accounts with NFCU are XXXX. I can not afford to make a payment on my credit card because they misappropriated my funds to make a payment on a loan that was not even due! I am XXXX on limited income. My spouse passed away suddenly in XX/XX/XXXX and left the household income short to begin with but would have been manageable had they not taken my money to pay what they determined to be important. I am also dealing with fraud on my account but that card has been closed and I was supposed to pick up a new card at the branch until this happened. Their policy will not allow them to issue me a new card as long as the credit card remains past due I am told so I feel like this was some kind of orchestrated effort to penalize me. Does NFCU not care about their customers based on the way they handle accounts??
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out on my open-ended consumer plan balance monthly. Best Regards, Signature QUESTIONS 1. Validation of Debt- that is, the actual accounting. 2. Verification of their claim against me ; That is, a signed invoice. 3. A copy of the Contract binding both parties ( you and I ), in a letter by " certified mail '' so that there is an independent " witness to it having been delivered. '' Please attach copies of the following : Without Prejudice Full Disclosure ( I was not told that you were actually creating the credit with my e signatures, ) Equal Consideration ( what did you bring of value? and so had nothing to lose ) Lawful Terms and Conditions ( Mines based on Fraud ) Wet signatures of both parties -- ( please keep in mind the corporations can't sign because they have no right or mind to contract since they are soul-less legal fictions : and furthermore, no third party can sign a contract on their behalf ). on XX/XX/XXXX I received XXXX statements { XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX } from Navy Federal Credit Union. ( A STATEMENT is not an Invoice '', so would you please provide a signed " invoice '' as requested. ) on XX/XX/XXXX I also received a promissory Note. This however does not constitute a contract as it is only signed by one of the parties which is myself and I asked for a Contract signed by both parties. Please provide the name and address of the bonding agent for NAVY FCU, in case legal action becomes necessary : You must return this completed form along with copies of ALL requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate collection account that has negatively impacted my ability to start a real estate business. I am seeking full compensation for the potential money lost, as provided under U.S. Code 1692k and 1640. As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account reported by XXXX XXXX. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations. Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, while I was at work, I was alerted via text and push notification on my phone that my account was overdrawn, after investigating there were 2 charges on my debit card that were not made by me at XXXX and XXXX XXXX XXXX for {$430.00} and {$32.00}. I immediately called my bank, closed my old debit card and had them issue a new card, then opened a fraud investigation with XXXX XXXX. They then provided me a temporary credit in the amount that was charged and they said they would investigate. I then received a notice about 2 weeks later stating that there was NO FRAUDULENT CHARGES made and that the provisional credit will be removed on the XXXX. I need to re-iterate that i have never made any purchased on XXXX and these charges need to be re-investigated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20112
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX knows that credit is HIS right and XXXX XXXX also knows that reporting to consumer reporting agencies by creditors is voluntary, please see attached CFPB article from XX/XX/2012. The information that NAVY FEDERAL CREDIT UNION saw on the report that was received from XXXX, XXXX XXXX didnt consent to it, and it was unvoluntary, XXXX XXXX transactions are done in good faith, and they are private transactions. This was unfavorable to XXXX XXXX, but nothing under adverse action gives NAVY FEDERAL CREDIT UNION the right to deny XXXX XXXX credit. XXXX XXXX credited this transaction as a creditor with his credit card, 15 USC 1602 ( l ), this was a credit transaction from his credit card. NAVY FEDERAL CREDIT UNION has committed a crime, the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. NAVY FEDERAL CREDIT UNION has benefitted from the use of my credit card, but XXXX XXXX has not. NAVY FEDERAL CREDIT UNION ran XXXX XXXXs credit card and received the credit, but XXXX XXXX has no access to nor did XXXX XXXX benefit from the XXXX NAVY FEDERAL CREDIT UNION received. In your adverse action letter, it mentions the Equal Opportunity Credit Act, XXXX XXXX has been discriminated against because XXXX XXXX exercised his right. The right that XXXX XXXX exercised is his right to credit but NAVY FEDERAL CREDIT UNION discriminated against him because of some score that is not backed by law and is a part of a voluntary system that XXXX XXXX has not consented to. XXXX XXXX is writing this letter to attempt to cure this adverse action with reasonable procedures to rectify the transaction and to compensate me for the use of my credit card in the amount that he is requesting of, {$5000.00}. Failure to provide the response requested within 7 calendar days will constitutes as NAVY FEDERAL CREDIT UNION acceptance the offer to compensate me in the amount of {$5000.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Navy Federal Credit Union has been opperating illegally and wrongfully reporting information on my credit report with all three bureaus for over 5 years. I recently submitted disputes via XXXX, XXXX, and XXXX and in a effort to cover up they're wrong doing they updated my past dues of {$8800.00}, {$9700.00}, {$19000.00}. I never received a XXXX for any of those accounts to be current with the IRS. In an attempt to retrieve the XXXX they refused to send me the XXXX and informed me that they can not do that. This level of mistreatment, malpractice, and unfairness have costed me years of missery, ability to provide, and restraint from being in a better place financially. All of my accounts across all bureaus have been updated to reflect in favor of Navy Fedral Credit Union. I am being medically evaluated for permanent mental conditions due to overwhelming anxiety, XXXX for years of financial stress along other mental ailments that I incurred during my combat XXXX to XXXX. Navy Federal have deprived me of the ability to become financially sound and I am afraid that I will not be able to provide for my family due to an overwhelming amout of charged-off accounts I couldn't report due to the XXXX being deprived from me for years.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77075
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: They ( Navy Federal ) are refusing to call the verification number on the check that came from XXXX. They claim they can't verify it that way. I tried giving them the other number XXXX gave me and they won't use it. XXXX also wont call Navy Federal to verify it. The check is from the State of Louisiana U.S. Treasury Emergency Rental. This is for my rent and If i don't have it we will be evicted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove this inaccurate information as you are in violation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A