Date Received: 2023-03-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I purchased a product from XXXX and never received it. I have tried countless times to contact XXXX, when that failed I reached out to my bank. They too gave me the run around, making all kinds of excuses for why they havent put my money back in my account. Please note my package was out for delivery for three to four days. This here should have told my bank something was wrong. Also the package was sent back to them on XX/XX/XXXX, yet my bank acts like they cant figure it out. Your help Is deeply appreciated
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Deposited a refund check for {$530.00} on XX/XX/2023 into my personal checking account. On that same day Navy Federal Credit Union deducted {$450.00} from that same personal checking account without my permission to apply to a Navy Federal Credit Union Unsecured Credit Card charge off account with a balance of {$9200.00}. The remaining balance on that account is now {$8700.00}. I called Navy Federal Credit Union and told them I want my money returned to my account and they refused and said they will continue to take money from my account whenever they want until the balance is paid off or I call and make payment arrangements to voluntarily pay down the balance which I will not do because I am unemployed disabled and have no money left to pay for anything.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29505
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Affidavits signed, sealed and delivered to the principal of Navy Federal Credit Union hereinafter, Navy Federal Credit Union in regards to a consumer credit transaction have not been answered and therefor Navy Federal Credit Union now stands in default. The consumer asked Navy Federal Credit Union to provide documentation showing a lawful claim of right in the form of United States Dollars which they failed to do. Their is standing case law that applies to this consumer credit transaction being ; 1st National Bank Of Montgomery vs. Jerome Daly, XXXX XXXX Minnesota. Whereas, XXXX XXXX admitted that all of the money or credit which was used as a consideration was created upon their books, that this was standard banking practice exercised by their bank in combination with the Federal Reserve Bank of XXXX, another private Bank, further that he knew of no United States Statute or Law that gave the Plaintiff the authority to do this. Plaintiff further claimed that Defendant by using the ledger book created credit and by paying on the Note and Mortgage waived any right to complain about the Consideration and that the Defendant was estopped from doing so. This very issue was raised in the affidavits which have not been answered whereas, the consumer reserved all rights prior to going into contract with Navy Federal Credit Union and has acted in good faith to get answers concerning the consumer credit transaction which should be available upon demand. After Final Notice of Default was served upon Navy Federal Credit Union, the creditor or an agent thereof issued a cease and desist which recognized their lack of standing, " communications are provided to you for compliance and /or informational purposes only and should not be construed as an attempt to contact you for payment. '' After understanding the lack of standing Navy Federal Credit Union then failed in their Obligations with respect to disclosures of personal information and shared the consumers personal information to a third-party without providing notice and the option to opt-out as discussed in 15 USC 6802. The third-party is a Repossession Company whom the consumer did not consent to contract with nor knowing consent to the said company nor any agents thereof to possess the personal information of said consumer. The Repossession Company arrived at the consumer 's home in the dead of night frightening everyone inside the home on the night of XX/XX/2023 and this has added to the emotion distress, marital instability and other damages in which Title 15 1692 protects the consumer from. Furthermore, Navy Federal Credit Union has violated Title 15 1692 by the use of abusive, deceptive, and unfair debt collection practices ; and Title 15 USC 1692f where Congress declared a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, by contracting with a Third-Party, Navy Federal Credit Union has knowingly violated 15 USC 1692f ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest. By acquiescence Navy Federal Credit Union has waived the right to possession of the property and has agreed to release the Title Free and Clear for the Consumer. *All Attached Affidavits have been Signed Sealed and Delivered
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: In XXXX of XXXX I tendered payment in full to Navy Federal Credit union for the full settlement of a consumer loan, in good faith, even though Navy Federal had and has violated numerous regulations and laws in regards to the rights of consumers as pursuant to federal law by way of XXXX XXXX Title 41. Navy Federal sent me a statement in XXXX of XXXX showing a {$0.00} balance on said consumer loan. I allege that well over a year later Navy Federal committed theft, conspiracy, breach of peace by illegally contracting an unknown assailant and criminal to trespass upon me, my name and my property and illegal steal my vehicle. This assailant illegal came unto my property, an disturbed myself, my wife, and my XXXX XXXX XXXX and XXXX XXXX XXXX daughters and disrupted their lives by illegally " repossessing : '' my vehicle in which he has no right to. I reached out to the XXXX XXXX Police department and they informed me that they had no notice that any vehicle of mine was up for repossession. I allege that Navy Federal has broken the law. I intent to go public with this matter. I intend to immediately file a 3949 form, accompanied by a 211 form with the IRS calling for an immediate audit and investigation. I will also file a 1099C because I need to report this as income with the IRS as Navy Federal has defamed or plans to defame my character by threatening a " repo '' and " charge off '' on my consumer report and allege that I owe a large sum of FRN 's that Navy Federal previously notified me was settled. I intend to bring this matter to the attention of the FTC, FCC and the National Credit Union Administration. I also intend to file a lawsuit for defamation of character, pain and suffering, as well as emotional distress as my life, employment, my wife and kids lives have been greatly affected in the most negative way by this event.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Since XX/XX/2022 I have been charged XXXX NSFs totally around XXXX. In the intermediate I have called to explain my situation ( medical+hurricane XXXX ) and they have assisted me in some capacity ( moving dates due on loans and refunded 10-12 NSFs ). However, I have paid around XXXX in interest just last year ( 2022 ) on my credit accounts with them. All I am asking for is to refund half of the fees, which only accounts for around 15 % in just interest I have paid to the credit union. XXXX fees is absolutely ridiculous. I do not qualify for overdraft, I have no savings to link. I am just asking for reprieve.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Ive been on hold to navy federal security team to get access to my account last checked current balance XXXX available XXXX all the sudden I log in I dont know if cause I screen shoted past statement and made a comment about account all these fees for returned items that was caused by them my opps says opt out I had made a claim on an old account that had unauthorized transaction they never responded to they made an new account but payments they made came back they didnt notify who they sent payment not to cash check or let them know or even cost arrangement but they charging me a lot of fees cause of their errors and failed to provide ledger my oops was paid I left money in my account sent remittance and other remittance they have told me several times wrong info so I know they are intentionally causing errors They wont assist they wont provide information Im requesting then my statements I sent in by mail for error and remittance made to me there was a check that they said theyd returned to my account I had to pay XXXX I have a a lot fees because of their error to fix I have malware sent notification somebody has had access to my account they have caused my other institutions to close and have negative impact a check they have not returned or paid for XXXX they approved but if thats the balance thats current understand they are costing me harm and negative impact Im in comfortable going to branch they no help have attitude every time I call they say one thing then do another I sent them several remittance to be deposited to my account I sent them power of attorney for the principal they doing more taking and not paying or matching principal I know my rights they have sent back remittance that I sent back to me since they wont deposit them I sent them messages in app now every time I get my account going always issue Now I cant access my account been waiting on hold to talk to security team to get access no answer been calling since XXXX pacific time till now XXXX XXXX today. I received a pin for a flagship reward visa credit card and pin but no card but my access number show on it and they sent a pin for the card but say I have no card they keep denying me credit after showing these agencies are not reporting accurate information then they adjust fees then charge things off so somebody authorizEd a payment to a billing provider where my payments for oops went. Their an holding company so they need to call my cell and explain their discrimination rep told me you cant deposit remittance and in branch but in there letters they state remittance fee ayments and I do and they ignore. Second if their holding my assets they dont lend their money or shares why they deny me mine after providing poa XXXX I want my credit it doesnt have to be high it can be small to build trust I sent a promissory note ignored so either deposit and fix all there issues from the last four accounts closed I cant see them they say their closed but in deposit voucher they show those accounts what ever funds I have that their holding they need to make available they have caused other account to close. Become negative because they are not doing their obligation they need to to provide everything they are holding of mine or show or proof. I shouldnt have to reach out to you guys if their doing their obligation the banking act my account should be properly secured already they say I dont have to do a written appeal just call and I should be good I have saved messages Ill submit lady that made my new account said she order checks havent reviewed they are purposely doing this causing harm and deny me my security XXXX as entitlement holder theyre e retaliating and discriminating I have to much proof recording receipts of their injurys to me for them to not compisante me to what Im entitled to.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: They took {$360.00} from my account without me authorized it to put it toward credit card debt when payment arrangement was already set
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account that is being reported is identified as a repossession on XX/XX/2022 yet they continue to report late payments on XX/XX/2022, XX/XX/2022, and XXXXXXXX XXXX. Since the Vehicle was no longer in my possession it would be impossible for me to Default on the payments after the fact. I have the Right to an accurate credit file and discrepancies like this are unacceptable so please immediately remove this account and its entirety from my credit file.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28348
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Navy federal sold my debt to XXXX and and now they are garnishing my wages also lied about validation of debt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A