Date Received: 2023-03-30
Issue: Lost or stolen check
Subissue:
Consumer Complaint: Hello To whom this may concern : My name is XXXX XXXX an active navy federal member whom has recently experienced a tragic situation with this company. I request to have my XXXX federal return direct deposited into my navy federal account, that was supposed to clear on XX/XX/XXXX unfortunately upon filing my return my account number was incorrectly recorded and was deposited into an account that is not associated with me. I reached out to the branch in XXXX Nc and was informed by a representative named XXXX to reach out to XXXX XXXX and have them submit a XXXXXXXX XXXX so that the funds could be reversed and returned to the IRS for an issuing of a paper check. That following Monday I did just so and was informed on the upcoming Wednesday that the request was denied due to no funds available. I returned to the branch on Friday of that same week and spoke to a XXXX whom escalated the matter to a supervisor and requested that the funds be retrieved and returned on my behalf to the IRS. I then got a phone call on Monday XX/XX/XXXX stating that the request was again denied due to non bank error. I then explained to the supervisor that contacted me in full detail she then stated that he would resubmit the request and try to push it through but was not sure because it was not a issue caused by the bank. I then got a call on XX/XX/XXXX from a XXXX stating she had no luck and I would need to contact the IRS and have them submit a non receipt form. At this point I am needing someone at NF to take ownership of their over site and correct this error as soon as possible. This whole ordeal has been extremely frustrating and has caused me to loose confidence in NF ability to protect my investments. Please feel free to contact me at ( XXXX ) XXXX As soon as possible to discuss further of a decision. Thank you for you time. XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27545
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX XXXX XXXXXXXX placed a debt from Navy Federal for a credit card in the amount of {$6600.00} on my credit reports in XX/XX/XXXX letters for account verification where sent to XXXX XXXX And Navy Federal to which both failed to verify the debt so it was removed from my credit reports. XX/XX/XXXX XXXX XXXX has a new owner XXXX XXXX XXXX, they have placed the debt back on my credit so I sent out a account verification letter to XXXX XXXX XXXX on XX/XX/XXXX giving 30 days to respond it is now XX/XX/XXXX and they have not this is long enough for this debt that does not belong to me to be removed Also I was able to have it removed by XXXX dispute # XXXX on XX/XX/XXXX but not XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21030
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My personal information was stolen ( social security number ) and used to open a credit card account ( in XX/XX/XXXX ) with Navy FCU. I noticed this new account in XX/XX/XXXX. {$740.00} was charged to a credit card account. Navy FCU closed the account on their own after determining it was fraudulent. I am trying to get a letter from Navy FCU informing me that this has been resolved. I have not received anything yet. I sent a letter on XX/XX/XXXX. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Navy Federal # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy FCU # XXXX 15 U.S.C 1681 section 602 A states i have the right to privacy 15 U.S.C. 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions 15 U.S.C.1681c ( a ) ( 5 ) section states no consumer report containing any of thr following items of information other than record of convictions of crimes which antedates the cause to believe that the information is inaccurate
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70769
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I called Navy Federal to ask a question about my credit card and was asked to provide my access number or my social security number. Now they are never supposed to ask for my full social but the last 4 digits if I decide not to use my access number. So I recently learned that due to consumer law I do not have to give my social security number. I have decided to give my access number which should provide all of my info. Then they ask for my address and date of birth and again my full social security number. Even when I dial in the automated systems tells me to enter my access number or my full social when calling in. So, with doing that all my info is supposed to show on the representatives screen without asking for my access number nor social Secuity number. They are not even supposed to ask for the last for digits of my social because everything is right there on the screen. So when I told them I would not supply my social security number it became a big thing and I was told that if I don't give it they would hang up on me. I asked to be transferred to the supervisor they hung up on me. I called back and asked for the supervisor and she also became nasty and told me she couldn't help me if I didn't supply my social security number. I said I gave you my access number and told her I think I was being racially profiled. I called back and got a rep who said as long as I type in my social it will manifest on the screen. I should not have called in to ask 1 question that could have taken 5 minutes or less but I has to call 4 times and it became an argument with workers who are not knowledgeable or racially profile me for ss # when I get XXXX XXXX reps they say I am verified on the screen but when I get XXXX reps they always want my access number and social security number. Isn't there a law stating I don't have to give my social over the phone. I don't feel comfortable with giving my social security number # over the phone with people working from home especially the ones who are very nasty in personality over then phone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Navy Federal for withholding my funds since XX/XX/XXXX, despite my compliance with all bank protocols and rules. I opened my Navy Federal account in XX/XX/XXXX and have always been in good standing with my account. I have multiple businesses, including clothing brand established in XXXX in XXXX, Florida. On XX/XX/XXXX, i was at a public event as a vendor doing a pop up shop, a customer made a transaction for {$9200.00} for a large order of hats from my business purchasing bulk order at wholesale price. Customer received the goods from me i took information from him and deal was done. Following the transaction, I was later contacted by the Navy Federal fraud security department days after the transaction, requesting verification of the name of the individual who made the payment. I informed the representative that I was not available to verify the name at that moment, as I was out of my office. I requested a call-back number, but the representative was rude and disrespectful towards me. Before I knew it, my account was restricted ( Business & Personal ), and it has remained that way since that day. Despite submitting two security appeal forms with that name she requested, the restriction on my account has not been lifted. Prior to the submitting the appeal form I called back and gave the name info to the Navy Federal fraud department. Due to the restriction on my account, I have been unable to access my funds, and I have been unable to close the account. I have received mail from Navy Federal every month since 2019 about the interest on the money in my account. However, I am unable to withdraw funds or make new transactions, which has negatively impacted my business operations. The restriction has also caused me to go into negative balance with my checking account, resulting in overdraft fees. When I've visited the Navy Federal branch in XXXX Fl several times about this matter, I was treated poorly and given the run-around. The staff acted as if I had done something wrong, despite my compliance with all bank protocols and rules. No one has explained to me why the account can not be closed or why the restriction can not be lifted. I believe that Navy Federal 's actions are unjustified and unfair. I am filing a complaint with the CFPB to seek resolution to this issue and request that the restriction on my account be lifted immediately. I would also like my funds from this account and for the account to be closed. Thank you for your attention to this matter. Sincerely,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX Acct No. : XXXX NAVY FEDERAL CREDIT UNION Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Navy Federal Credit Union has updated my mortgage account by verifying inaccurate information on my credit report payment history. My family had enrolled in the PAHAF program for Covid-19 hardship assistance. Navy Federal was made aware of this from the beginning. Navy Federal even gave us a Covid-19 accommodation by filling out the forms for the assistance program. Navy Federal also received funds directly from the states Covid-19 program and still reported our mortgage as late. The law that Navy Federal is violating is 15 U.S.C.1681s-2 ( a ) ( 1 ). Congress passed federal law to protect consumers from harmful credit reporting during the Covid-19 pandemic crisis. This law temporarily has amended the FCRA, which all furnisher companies must obey. Furthermore under 15 U.S.C.1681s- ( 2 ) ( b ), Navy Federal has just opened itself up to Private Right of Action by verifying and updating inaccurate information to my credit report. I have sent Navy Federal proof of this by certified mail. I want the CFPB to step in and fight for my consumer rights. Or I will be force to hire a FCRA consumer attorney, and file a lawsuit against Navy Federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I paid off a loan with Navy Federal Credit Union ( NFCU ) in XX/XX/XXXX using an online transfer from XXXX XXXX. In XXXX of XXXX, a year later, Navy Federal erroneously sent back the pay off back to XXXX XXXX. NFCU then charged interest for an entire year even though my loan was paid off. I only became aware of the loan being active again when it showed on a mortgage application. Once I was aware the loan was open I immediately paid off the total. However, there was an added {$2600.00} in interested as a result of Navy Federal backdating an entire year. Again, even though my loan was paid off. The entire time between the loan re-opening and being paid off 'again ' was about XXXX weeks if I recall correctly. Nonetheless there's an entire year of interest. I've spoken with XXXX XXXX regarding any request to have the funds sent back. XXXX XXXX specifically said, because the amount of time is over a year they would have not requested nor would have any ability to request the funds be returned for any reason. I was sent a letter that also mentioned this. I've made many attempts with NFCU to resolve this issue without result. Most recently I've gone back to my message accounts in XXXX XXXX and can not find any of my communications regarding this matter in my secure inbox. Even though there are older messages in the inbox and I have not deleted anything. Attached document shows the last payment received on XX/XX/XXXX The loan was satisfied and closed. Screenshot attached. Messages in NFCU dating back to XXXX. However, any messages regarding my attempts to have the issue corrected have been removed from my inbox. I have never deleted a message from my NFCU inbox. The message labeled " Message from Navy Federal Credit Union [ XXXX ] '' is the attached document mentioned above showing the loan paid off.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29680
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 5 U.S.C 1681 section 602 A. States I have the right to privacy. 5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consu mer credit plan as late for any prFost
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A