Date Received: 2023-03-29
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: It has come to my attention that my credit card account with Navy Federal is not being properly credited to my person I am aware that there has been credits issued to me, but have not been properly reflected, issued or disclosed to me through permissible means to resolve this dispute I demanded navy federal provide me with the full original, and unaltered documentation that specifies credits, tax liabilities, discharges of debt, bond, and or securities as they are applicable to my account. Navy Federal has ignored my attempts to rectify this billing error. I have sent letters through certified mail and receipt which they have received but they have not responded to them nor has anyone from Navy Federal reached out to me to solve this billing error dispute. Currently, this billing error is still in process and unresolved. They are still collecting payment on this account and refuse to contact me so we can resolve this matter, I have invoked my specified remedy, a full reimbursement on this account through certified funds via check sent to my address on fuel, which has gone unheard. Navy. Federal is purposely ignoring my federal billing, error dispute and purposely violating my consumer protected rights. There is also evidence of a finance charge on this account, which has not been properly disclosed to me nor applied to this account. A finance charge pursuant 12 CFR 1026.1 under truth in lending is the sum total of all charges, meaning that this credit account, which is an open, ended credit account, and can not be treated as late is fully funded every month yet I am not receiving those credits on my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had two charges on my debit card that was found when I signed up for XXXX XXXX that I did not make to something called XXXX XXXX The charges were on XXXX for the amount of XXXX and XXXX for XXXX I immediately called the company which they said to call my bank which I did they versed the funds while doing a investigation then all the sudden reversed them back stating no error was made I followed up in writing as told to do then was told they found no error and there is nothing I can do. It was XXXX my electric Bill bounced because of this Im a single mother of XXXX and can not get any help
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 40219
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am the victim of an employment scam. I received a check of {$2900.00} from the fraudulent company on the XXXXXXXX XXXX XXXXXXXX. XX/XX/XXXX funds for a check that XXXX mobile deposited was available for use. I transferred a set amount of {$2800.00} to another person as instructed by the fraudulent company. By the morning of XX/XX/XXXX the funds were transferred and then the check was bounced. Causing an additional {$2900.00} to be taken from my account leaving my account balance to be in the negative of {$670.00}. I proceeded to call my Bank to report the situation and was told nothing could be done for me and that I was at fault for not knowing the check was a bad check and that their Fraud department will be unable to help. As well as not waiving the overdraft fees.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70363
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was informed after my husband was XXXX that there was a credit card opened in my name as primary account holder through NFCU. I have Never applied, had access to or knowledge about this, nor permission. When I inquired about a contract or proof of identification, I was informed through NFCU & this XXXX XXXX that all they knew was that it had been opened Over the Phone from a Females Voice. I asked for this recording, they cant provide. I have filed with Identitytheft.gov, my XXXX XXXX account was also compromised and they were a fast responding company that figured out the fraud and refunded me promptly. Ive filed with the XXXX, and all three Credit reporting agencies. I have a vehicle loan through NFCU, informed me I had to open my own checking/savings account to transfer money into and make the monthly vehicle loan payment. I logged on to do the money transfer into vehicle loan and there were no funds in my account. Upon calling NFCU/XXXX XXXX I was informed this fraudulent card could withdrawal money from my personal checking if there was a payment due on this fraudulent card and that I should know this because it was in my contract. I informed them yet again I NEVER signed a contract, Ive never been provided one, because they dont have one. So now approximately XXXX was stolen from my personal account into this fraudulent/Identity theft credit card without my consent or knowledge.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 18017
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I did not give access to my credit to XXXX, XXXX, And XXXX and they have access my credit without my permission they have also given away freely reports of my credit. if not corrected | will have to seek restitution Under 1681n. Civil liability for willful noncompliance ( a ) In general Any person who wilful fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. Account number XXXX Account number XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I am trying to access a portion of my unlimited credit and Navy Federal Credit Union will not let me do so in any form. I applied for a personal loan and a credit card XX/XX/XXXX and was denied both times. They are also closed several of my checking account for being in the negative, and I am recently finding out all of their denials and account closings are illegal. Not being able to access credit has cost me dearly. I need to know all the factors underwriting used to deny my consumer applications based on the law? I also, need to remind them that their policies are not in alignment with the law according to 15 U.S. Code Subsection 1611 for willful and knowing you are in violation as well as the securities and exchange act of 1934, and CFR 321, 328.6 and adverse action.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello! I have never missed any payment for anything in my entire life. Due to an error of Navy Federal Credit Union, my credit score has been significantly decreased and I am unable to purchase a home. Please remove the {$12.00} error from Navy Federal Credit Union that has significantly impacted my otherwise perfect credit. I opened a Navy Federal Credit Union Credit Card to pay for a medical procedure. When I was able, I paid off this account in full. I paid in full. I assumed that was it. Navy Federal said that I didn't pay the {$12.00} of interest on the amount I paid off and sent that amount to collections. I never received a phone call about this amount. I never received a text message about this owed. I never received any mail to my house about this until I got a letter in XX/XX/2022 saying I was 60 days past due on {$12.00}. As I had already paid off this account, I was confused. Also I didn't understand how they NEVER CONTACTED ME IN ANY WAY about this {$12.00} owed. I immediately paid but this has now beed reported to the credit bureaus and has significantly impacted my credit score. How can a bank plummet someone's credit over {$12.00} that they never knew they owed? If I am not contacted about an amount I owe, I can not pay that amount. I am happy to share my phone records or records of USPS scans of incoming mail to my house. I never received any contact from Navy Federal Credit Union over this {$12.00}. I'd like this {$12.00} past 60 days due off of my credit score reporting but I contacted Navy Federal and they said they were unable to help. They were not helpful. I would never do business with them again but I hope the CFPB can do more. People should not have their credit ruined over {$12.00} that they didn't know that they owed. The bank should have to show that they contacted the person before they sent it to collections. I am happy to show I was never contacted in any way until I got a letter saying I was 60 days past due. This has impacted my credit score by at least XXXX points. I would have otherwise perfect credit if it was not for Navy Federal Credit Union 's poor policies. Now I likely can not buy a house over this {$12.00} issue. Please do not let this happen to other people.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to 18 USC 8, I owe no debt, These companies ( Navy Federal CR Union, XXXX XXXX XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: can you ask navy federal about this I'm trying to find the other email where they said they put a lien on my bank account and everything I tried to explain to act federal some one has access to my account. like the checks so called order with this account. like I'm still missing things. I don't know what there doing but they send me balances or withdrawals notice and they restricted everything. and these bill payments like they sent them out but I can view my account. like what's the status. now their gon na cause two bills to go negative again .I was told to wait. but worth things going on my deposit. they gave me credit my own credit deny me credit and then the matching principle of a cash deposit which I didn't recieved. like I got bills to pay so if their intent is not communicate restrict me but transaction still going threw I need my money remittances so I can to a different Bank. and make claim..
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navy Federal is in violation of my consumer rights according to the FCRA. Pursuant to 15 USC 1666b. 15 U.S. Code 1666b - Timing of payments- ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A