Date Received: 2023-03-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: So many hard inquiries that I have tried to clear up but doesnt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Fraudulent credit card accounts were open in my name at navy federal credit union in XXXX of XXXX. My wallet was stolen in XXXX of XXXX since then I have been suffering from idenity theft. I Am not responsible for any navy federal credit card debt, and I am demanding a proper investigation into the Fraudulent account and immediately deletion from my consumer profile as the account Is a fraudulent account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I was alerted of multiple obvious fraudulent charges ; 15 bogus unauthorized transactions from a salad bar in Florida ; a different state than California which I reside. The card is in my possession but has been reissued since the fraudulent transactions has been committed. An impersonator from the Navy Federal Credit Union fraud dept. called and pretended to be informing me of fraudulent charges inquiring about my debit card info. and had me reset my pin # and online banking so I guess they were committing fraud and accessing my checking and transferring money from my savings account during and after the call. They told me they would give me a call back in a few hours once everything was reset but never did.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90037
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was charged a huge amount of fraud charges on my credit while not even having my credit card in my possession. I believe someone has my access information to my bank as this has been happening for a year now. Ive been with my bank for over 10 years and dont have any history of reporting fraud until a year ago. XX/XX/XXXX I was charged over XXXXXXXX XXXX of fraud following up XX/XX/XXXX I was charged over XXXXXXXX XXXX of fraud again with not even having a valid credit card in my possession. My bank is not accepting my fraud claim and believes the transactions were valid which is not okay and not acceptable the fact that they have not even given me any option to protect my information that is clearly being used. Ive physically gone to a bank to see what I can do to change my information to access my account and I have not gotten any treatment as to fix that.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91945
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of fraud and/ or identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. I am hereby demanding DELETION to the above referenced account from my XXXX file pursuant to 15 U.S.C. $ 1681i ( a ) ( 1 ) ( a ) and FCRA 605B ( 15 U.S.C. 1681c-2 ) Block of Information Resulting from Identity Theft
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90504
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My husband and I established new accounts with Navy federal Credit Union. We explained during the opening of accounts, we wanted to bring our XXXX XXXX XXXX XXXX to them as well. They explained to us that we had to establish personal first and someone from the business department will reach out to us. However, I received payments from my clients for services rendered from direct deposit from the IRS into our personal account while we await the opening of our business account. We notified customer service of the large transaction deposits upcoming before deposits hit and the rep reached out to the business department and explained the urgency of the openings of the accounts. When deposits hit, they froze all our personal accounts and my general manager account as well because her account was utilized in transfers. We spoke to the security team and they requested for affidavits, driver licenses and signatures from our clients authorizing their deposits into our account. We provided that information which was told to us that it should only be a 7-10 day process to review. It has now been two weeks and was told by the representative on XX/XX/23 that no time frame can be given to us for our funds to be released.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I reached out to the CEO of Navy Federal Credit Union XXXX XXXX regarding an error by the company that caused my credit card to be closed and charged off. XXXX forwarded the information to the resolution team. They completed their research and accepted the error therefore they agreed to remove the payments that they reported as late as well as the charge off status of the account. Upon requesting a document I found out that they did not submit the request to remove the charge off status and they only requested the late payments. The fact that they are not removing the charge off as originally informed doesnt make sense and is unethical considering the fact that an account can not go to a charge off status unless it is late and the account shouldve never been late and after they made the corrections the account doesnt have any late payments reporting therefore it shouldnt have the charge off status. I have explained this to the resolution team member and 2 managers but they are not utilizing their resources or understanding the process as they continue to try and push me to another department that already said can not assist and advised the resolution team would be the one to complete the correction. I have sent an email to XXXX XXXX several times again and there has been no contact by anyone from NFCU since XX/XX/2023. They corrected half of the problem when the entire problem needs to be corrected as they are connected and NFCU accepted responsibility for the error when they requested the late payments to be removed after the research was completed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I enlisted in XXXX at XXXX y.o. and am now a proud retired XXXX XXXX XXXX XXXX having served 20+ years of honorable service to this United States of America XXXX appointed as an officer by the Honorable XXXX XXXX and XXXX by the Honorable Barrack Obama XXXX I joined Navy Federal Credit Union ( NFCU ) at XXXX y.o. in XXXX XXXX, XXXX, which at that time members were only allowed to join Navy Federal Credit Union while serving XXXX. Since then, I have personally witnessed a decline in service member concern as well as an increase in predatory practices from this organization. After experiencing hardships as a retired member and a failed business due to the COVID pandemic, I attempted to obtain a refinance of my mortgage, serviced at Navy Federal Credit Union, from Navy Federal Credit Union to restructure my obligations but was denied without reason although I had a 700+ credit score. Ultimately, I begrudgingly made the decision to file for XXXX XXXX bankruptcy to protect my home and vehicle, and I have been micro- harassed by Navy Federal Credit Union since I notified them of the filing, to include 1 ) refusal to provide me basic information verbally, 2 ) disruption of my online account information access forcing me to call them to then receive no or unclear information, 3 ) refusal to close checking accounts upon my request, 4 ) refusal to close savings accounts upon my request, 5 ) allowance of predatory merchant charges and then 6 ) adding overdraw fees on top of the fraudulent merchant charges, 7 ) reopening and 8 ) closing defunct accounts outside of my knowledge that were in the name of an inactive business and 9 ) repeated this for a joint account in my childs name to shift deposits around ; and 10 ) removing deposits from active accounts and applying them where they wish. Most recently Navy Federal Credit Union entered into a Deferral Payment agreement with me on my VA backed mortgage loan to allow me a few months to recover as a COVID relief measure. We signed an agreement to end the plan and resume payments as previously scheduled. I made XXXX mortgage payments in the branch office, then decided to place the mortgage on an allotment directly from my XXXX monthly XXXX check. Since then, over the course of 5 months my mortgage payments have been documented to have been delivered by the XXXX to Navy Federal Credit Union to the account number of the mortgage, but NONE have been applied to the mortgage as requested with my electronic request per the XXXX. Navy Federal Credit Union will not share specific mortgage information with me nor can I access specific information online. The only information I am able to attain is that the last mortgage payment received was FIVE months ago and Ive received mixed messages that my home is now in foreclosure although I have FIVE documented deposits of whole mortgage payments ( Principle, Interest and Escrow ) to Navy Federal Credit Union via allotments. Details are as follows : In XX/XX/XXXX, I was informed by Navy Federal Credit Union that XXXX ( XXXX ) payments ( at that time XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) were not applied to my mortgage and after many circular discussions that I had 1 ) submitted the electronically scheduled allotments for my mortgage payments to the wrong account number, therefore they were unable to be located in their system and were either not processed or never received ; then 2 ) that I had attempted to pay my mortgage through the allotment method and they did not accept such payments for mortgages via allotments. Subsequently, I was told the same for my XX/XX/XXXX allotment transaction that was successfully processed via XXXX to Navy Federal Credit Union ; the payment could not be found in their system. Ultimately, in XX/XX/XXXX Navy Federal admitted to have erected a defunct business account attached to an inactive sole proprietor business account and had placed two of the allotment distributions in that account. They immediately closed the account and sent me a cashier check for the ending balance for the closed the account, instructing me to visit the bank and submit the payment in the bank upon receipt of the funds. I attempted to do so, but the branch would NOT accept the payment. I was notified that day, the last payment received and documented was a mortgage payment made in XX/XX/XXXX that was made in the branch office. At that time 2 ( TWO ) other payments submitted via electronic allotment were unaccounted for and the remaining 2 ( TWO ) were then accounted for in the cashier check sent to me and kept in my possession. I was not able to stop the allotment in sufficient time for the XX/XX/XXXX allotment to process to Navy Federal Credit Union, which again they claimed to have not received it however, it appeared in another defunct account which was a joint account attached to my child who discovered the funds while reviewing his accounts online ; I am now in possession of those funds as well. To date, I am in possession of 3 ( THREE ) allotments that was processed to Navy Federal Credit Union to be routed to my mortgage, but were deposited in erected defunct accounts ; an additional 2 ( TWO ) payments are said to never have been received, processed or are misplaced somewhere in their system, however I have documentation of those successfully electronically submitted transactions from XXXX to Navy Federal Credit Union as well. Will provide documentation of the following upon request to protect my privacy. * Payment deferral agreement with Navy Federal Credit Union XXXX Enclosure 1 ) * DOD Allotment Transactions Initiation ( Enclosure 2 ) * Cashiers check returned to me equating to 2 months of mortgage payments received by Navy Federal Credit Union to be routed to my mortgage using the mortgage account number via allotment through the XXXX system, but was not applied to my mortgage ( Enclosure XXXX ) * Documentation of dormant account holding the XX/XX/XXXX transfer ( which is not my mortgage account and does not belong to me, it was my childs joint account attached to me ). As of TODAY, Navy Federal Credit Union claims they can not find these funds, but I located them in this dormant account and am in possession of the funds. ( Enclosure 4 ) * Copies of the allotment deposits posted by XXXX for XX/XX/XXXX ( Enclosure 5 ), XX/XX/XXXX ( Enclosure 6 ), XX/XX/XXXX ( Enclosure 7 ), XX/XX/XXXX ( Enclosure 8 ). ( XX/XX/XXXX documentation is pending processing in the XXXX online system ) Equating to approximately {$12000.00} of unapplied payments. Lastly, Navy Federal Credit Union will not send me a copy of my payment history or provide regular mortgage account activity when I contact them due to me filing a XXXX XXXX bankruptcy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I live in XXXX XXXX XXXX My bank is Navy Federal Credit Union ( NFCU ) and its Bill Pay service appears to be through XXXX. There are several problems with NFCU 's Bill Pay. ( 1 ) It does not mail out paper checks so that they arrive in a timely manner on the date I requested. ( 2 ) It steals the money from my account before the check is deposited by the payee. ( 3 ) It often steals the money from my account before the check is even received by the payee. For example, last year I requested that it send {$500.00} to my church by a certain date ( viz., I donate to my church each month in the same manner, same amount ). However, this particular month NFCU 's Bill Pay apparently mislabeled the envelop so that the check never reached my church. Nevertheless, Bill Pay took the money from my account on the date I originally scheduled the payment. Eventually the envelop was returned to Bill Pay as undeliverable with the check still in it. Bill Pay eventually returned the money to my account after keeping it for over one month. I only found out about it in XXXX when my church sent me my charitable giving record. when I complained to the NFCU and Bill Pay demanding that money not be taken from my account until the check was deposited, they both responded as if their actions were common procedure and made no assurance it would not happen again. This year at the beginning of this month, I requested that Bill Pay send {$500.00} to my church by a certain date. On that date, Bill Pay took the money from my account. However, when I contacted my church to check if it received payment. They told me that they had not received the check. When I complained to NFCU and Bill Pay demanding that my money only be taken when the check was deposited, my money was returned to my account. Then two or three days later, my church informed me that they received my check. But when they attempted to deposit it, they were informed there was a " stop payment '' on the check. ( 4 ) Bill pay did not ask or inform me before putting a stop payment on the check. When I complained to NFCU and Bill Pay, they both responded as if it was their common practice and procedure and made no assurance it would not happen again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I currently have 2 closed credit card accounts with Navy Federal Credit Union that have been closed since XXXX. However. Both accounts are still reporting new late payments monthly to all 3 credit reporting agencies ( XXXX, XXXX, experian ). Not only are they reporting new monthly late payments on closed accounts but they are not reporting correct and complete information to all 3 CRAs. For example. There are multiple open dates, last active dates, last date of payments ect showing for each CRA. I will attatch a screenshot from Identity Iq showing late payments from XXXX as well as alll of the inconsistencies between the bureaus thats being reported. As well as an invoice for each violation and innacurate and/or inconsistent item furnished on each CRA. Ihave reached out to Navy Federal Multiple times about having the accounts removed as well as all 3 credit reporting agencies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77034
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A