Date Received: 2023-04-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I attempted to open an account in XX/XX/2022 with navy federal and had to submit verification of my ID. The account was never opened. I tried again in XX/XX/2022 through being referred by my spouse since we live together. I never received any correspondence at all about the account being opened. My spouse attempted to add me to her credit card with my SSN as an authorized user and was unable to do so as it states I have to use the access number assigned to me. I never received any correspondence about the account being opened and do not have any access number.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The information submitted to the credit reporting agencies from Navy FCU shows that I was late with 5 payments in XXXX, but does not show that the account was paid in full before being closed. I never gave Navy FCU or any of the credit reporting agencies authorization to share my personal information ( XXXX XXXX XXXX [ Fair Credit Reporting Act ] ) with anyone. I contacted the Navy FCU last year, and each of the three primary reporting agencies last year and this year about this issue and have not received any helpful responses.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Spoke to XXXX XXXX for the XXXX time within 4 months about inquires on my credit report they are telling me to contact the credit bureau which I did several times they are reporting inaccurate information on my credit report and it's against the law to put inquires on someone credit report without them signing anything please delete this ASAP thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77038
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have been having problems with Navy Federal Credit Union for the last year when it comes to rearranging posted transactions by removing them from being posted to pending. I have called them numerous times regarding the matter and I was told that all transactions can have as much as 7 days to post. These transactions were both debit or XXXX transactions that are immediately withdrawn from account. There are several examples of NFCU engaging in this practice to the point it has overdrafted my account buy {$270.00} and them There was a debit transaction for XXXX XXXX on XX/XX/2023 for {$23.00}. NFCU acknowledge the transaction and it was approved. The balance of my account at the time was {$1200.00}. As of XX/XX/2023, the transaction is missing. On XX/XX/2023, I used XXXX to transfer {$630.00} to my mother and it was approved with no issues. Today, XX/XX/2023, I was sent an email notification that I was charged {$20.00} an overdraft fees. Debit card transaction usually post within 24 hours. This is five days which is way pass the date of the debit. They have acknowledge that they have been rearranging my transitions through an email on XX/XX/2023, for a transaction dated back on XX/XX/2023. I have attached proof of documentations.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: NAVY FEDERAL CREDIT UNION AMOUNT {$25000.00} I HAVE BEEN TRYING TO CONTACT THIS COMPANY BUT THEY HAVE NOT RESPONDING TO MY CALLS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I received an email from the XXXX XXXX stating that my account would be billed {$410.00} unless I called XXXX XXXX to cancel. I did call, was given a cancellation code XXXX, and told that I would have to talk to another agent to finalize t his cancellation. That person said I had a credit of {$85.00} and that I had to go online to receive this amount. On their website, the entry for this {$85.00} credit added two zeros, so the amount was {$8500.00} - An obvious error. I received a phone call from XXXX XXXX XXXX that I had to return this amount, but it was reduced to {$7900.00} so that I had assurance that I would not be billed for the {$410.00}. I looked a my 2nd credit union account, and saw that {$8500.00} was illegally withdrawn. I was told on a another call from XXXX XXXX that I had to go to my credit union and send a wire transfer for {$7900.00}, and then I would be reimbursed for the {$8500.00}. I drove to the credit union office that same day and completed the forms for the wire transfer of {$7900.00}. XXXX then called again and said " people make mistakes '', and that I had to send another wire transfer to another routing number and account number. I refused to send him more money until I received the {$8500.00} back into my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92011
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXX began debiting my credit card account in XXXX of XXXX for {$420.00} each month, continuing through XX/XX/XXXX. I never gave on-line or written permission for this. In fact, I never signed up for XXXX XXXX. I have called XXXX ( phone # XXXX ) numerous times, including on : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. When I called on XX/XX/XXXX I waited on hold for over XXXX hours. I could hear the employees in the background laughing at me. I have been told by them many times that someone would call me back. No one ever has. Last time I called, I was connected with the department that handles corporate accounts. I was told they possibly got my account number from an insurance policy had over 7 years ago through my employer, XXXX XXXX XXXX XXXX XXXX. I have asked them repeatedly to send me any verification that I signed up for XXXX XXXX XXXX, or any verification that I gave them permission to debit my credit card. I have never received anything from XXXX. I finally put a stop payment in through the Navy Federal Credit Union credit card XXXX in XXXX. The payment still went through. When I called Navy Federal I was told that the government and certain large companies can over-ride a hold. I filed fraud claims for every month that the money was taken out. Navy Federal asked for more information. On XX/XX/XXXX I sent Navy Federal over XXXX pages of documentation, including statements and records of calls I had with XXXX. I asked if they had contacted XXXX to ask for any verification I had given authorizing a debit to my credit card. They continued to ask me for more information. I told them I don't have any more information NOT giving permission for my credit card to be charged. Ultimately I was told by Navy Federal that all they can do is ask the insurance company to return my money. I was also told that they do not any authorization to allow an insurance company to take money out of my credit card. Is this true? I would not expect proof of written or on-line authorization for something like a meal purchase or a moderate one-time purchase but I hope there is some safeguard against monthly unauthorized purchases of over {$400.00}. I am appalled and scared to think that a company can use my credit card without my permission. I have more documentation if needed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 88012
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
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: Fraudulent purchases were made using my stolen Navy Federal debit card. Location of purchases and amounts of purchases are inconsistent with purchase history. For example, purchase history since the date card was acquired years ago ( over 400+ purchases ) shows no purchases at XXXX XXXX Yet person who stole card went to XXXX 11 times in 14 days. I asked to be reimbursed for the fraudulent purchases via website. Was denied, but not given reason for denial. Submitted additional information via website and was denied on second review, but again, no reason given for second denial. Met with branch manager to gather more information, but they could not tell me why denied again. Spoke with fraud department twice via phone and they could not tell me why my claim was denied. To date, no explanation as to why I was denied. I was told I could submit a third appeal, but without knowing why previous claims were denied it is impossible to prepare another appeal that will be effective. Banking laws should be changed to protect consumers and give them due process when they become victims of fraud. Navy Federal should be made to explain how they reached their conclusion since it is my money that was stolen.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: An account was opened with my information through Navy Federal Credit Union on XX/XX/XXXX ( over 7 years ago ) and the account was closed on XX/XX/XXXX. I have received a phone call regarding this account. I have verified through my states Attorney General that the Statute of Limitations of 4 years for enforcing open-ended loans ( including credit card accounts ) through the courts in the state of New Mexico has expired. If you intend to take this issue to court, I intend to inform the court of my dispute of this debt and that the Statute of Limitations has expired. This letter is a formal notification that I consider this matter closed and demand that neither you nor anyone associated with your company contact me except to inform me that collection efforts have been terminated or that you or the creditor are taking the specific actions allowed by the FDCPA and my state laws. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This was a loan for a vehicle my ex-spouse and I had shared when we were married. When we divorced in 2017, he was ordered by the court to execute the required paperwork to retitle and assume the lien on the vehicle. He did not comply, stopped making payments, and the account was closed with negative remarks. I made numerous attempts to have this remedied, but the bank refused to honor the court order, and my credit has been severely negatively affected.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A