Date Received: 2023-04-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This was a credit card my ex-spouse had opened before we met and had me co-sign but I never used it. When we divorced in XXXX, he was ordered by the court to remove my name from the account. 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
Date Received: 2023-04-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My bank, Navy Federal was contacted regarding a Debit card fraud claim. I submitted the claim on XXXX for Debit card ending in XXXX in the amount of {$1200.00}. The bank was advised that I did not have the card in my possession during the time of the transactions because I was in XXXX, Alabama and the transactions reflect local charges. I provided a police report after the claim was denied, however a representative has advised me that the claim is closed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On the XXXX of XXXX there was a fraudulent charge of {$8400.00} made to my XXXX XXXX checking account by XXXX rental car. I called the bank to immediately dispute the fraudulent charges. The bank handed over my dispute to an investigator but would not provide me with any further details or even a case number or any contact to follow up. A couple of weeks went by and I got a call from the bank collecting the funds from me stating that my investigation has been closed and I owe the bank the charge.I keep getting harassed by my financial institutions
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I work for an airline and have a checking with NFCU that I use only for international traveling to avoid fraudulent transactions, since my route is XXXX and that destination has many problems associated with fraud and identity theft. On XX/XX/2023 I requested an XXXX ride via pp, but canceled three requests, due to the fact that drivers did not show up on a timely manner. During that time I saw the three transactions showing as pending transactions on my account and thought it would drop from my account, but on XX/XX/2023 the three transactions related to the canceled rides did posted my account and I contacted NFCU on XX/XX/2023 to request disputes to be placed, since it was international charges and I could not contact the merchant ( XXXX ). I also submitted a screenshot of XXXX canceld rides to NFCU to assist on their investigation. After calling NFCU, I received an immediate provisional credit in the amount of {$4.00}, but the other two transactions did not get processed, so I have contacted NFCU several times to verify that the other two transactions were processed. About a week ago, I was told by one of the NFCU representatives that provisional credits would be posted to my account no later then XX/XX/2023. But as of today, the credits are still not showing on my account. Today I contacted NFCU again and spoke to XXXX, a supervisor to NFCU and he told me that my disputes have not eve been assigned to anyone yet, and he had no prevision on when it will be assigned. I asked if he could send a request to expedite the process and he said that is not possible. My funds are still being held at NFCU and my disputes are not being processed for a final resolution and refund.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This pathetic company is allowing charges to be made to my card even when I have it frozen. They have also taken {$170.00} from my account with no explanation as to where it went. I want my XXXX money back in my account immediately and an explanation to the charges and the missing money IMMEDIATELY before I stop using this pathetic XXXX institution all together you XXXX imbeciles.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 489XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My bank closed my account due to a check being deposited into my account I didnt know at that time was fraudulent. I still have a balance in my account but theyre refusing to send it to me because theyre saying I need to come into a branch with my ID in order to get MY MONEY. At the time of this issue, I was living in New Jersey within 50 miles of a branch. Only thing that was stopping from going there at the was the fact that I was waiting for my ID to come in the mail because the one I had was expired. Now, I no longer live in New Jersey or within 50 miles and theyre still refusing to send me MY MONEY even tho they said they would if I didnt live within 50 miles of a branch. And the last person I spoke to told me to stop at branch when I travel. Not knowing I moved due the hardship I was facing. Not because I wanted to.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 163XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: i rescinded all contracts signed under my name with navy federals institution in the year 2022. Pursant to federal and state laws. i excercised my right to rescind these contracts due to the fact that proper notice of my right to rescind the contracts due to the fact that proper notice of my right to rescind was never sent to me, as required by the Truth in Lending Act ( TILA ), Regulation Z, and state laws governing consumer protection. My right to rescind was failed. the securities transactions are voidable.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Navy Federal Credit Union closed my credit account and declared it a loss. They continue to garnish my direct deposits of federal benefits without notice and in large increments while refusing to grant resolution or viable explanation. They are also continuing to add interest to the closed account that was declared a loss. They are fraudulently continuing collection practices and what I believe to be unlawful garnishments from my direct deposits of federal benefits without notice on an account that they closed and declared a loss. The most recent garnishment was on today XX/XX/2023 in the amount of XXXX on a XXXX direct deposit. They have stated that they have the right to do so and the have offered me no resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92595
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am a member of navy federal credit union and had a checking and savings account with them. They closed my savings account for some odd reason when I had {$5.00} in it to keep it open till I got paid, unfortunately they closed it and now they won't let me open an account till I pay a charged off account which was my checking account. They had no reason to close my savings, I've always had a savings with them and would always deposit cash into my account. Now everywhere I try to open a bank account I get denied instantly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92025
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navy Federal Credit Union closed my credit card account XXXX of 2022 and continuously misreported on my credit score. I Usually run my credit reports at the end of the year but this year ran it early XXXX so I wouldn't have found out they closed it. On my banking app it shows the card still there, shows the balance left and the credit limit but is not being translated to my credit score. When I pulled my report this year I looked at my account and it was marked as closed and not a single payment has been reported. The only reported item is the balance owed and not the credit limit. I did not close this account and this account has been in good standing the 7 years I've had the card. When I called NFCU they told me that their system chooses accounts that have little to no use on it and they close it. With the system doing this it no longer reports my accurate credit card limit but reports the balance of the credit card. This has had my credit usage on my credit report up and over 150 % for over a year! They told me that there is nothing they can do even though they are falsely reporting my credit. Since the call my credit has reported a XXXX pt drop and I feel as if the institution is falsely reporting more information. I've paid off over XXXX in debt in the last two years trying to rebuild credit and my credit score has trickled upwards. NFCU falsely reporting my credit limit has negatively affected my credit rebuild for over a year now and it's not right, it's not ethical. Why does their system get to pick and choose and XXXX over consumers. Once all of my debt is paid off through this institution I am no longer going to bank with them. When it comes to working with customer about the banks mistakes the take home last place.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28625
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A