Date Received: 2023-03-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: A company reached out to me stating that I owe a debt, yet there was no supporting documentation by this claim. I want this account to be removed from the consumer report immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: XXXXX
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I recently received my credit card from navy federal containing a credit limit of XXXX. I went to the atm to pull XXXX dollars in cash and was denied and tried again for XXXX dollars to no avail. I contacted navy federal, and they said everything was good on their end and to go try again at another atm and I did just that. I tried pulling cash again and all requests were denied. I tried to make a purchase and there was a fraud alert that I acknowledged it was me who made the transaction. I called navy federal and was directed to the fraud department and was on hold for over an hour just for them to tell me they will not reactivate my card or authorize my purchase because of the current statuses of my other accounts, an overdraft, too much suspicious activity from my doing and claimed that " I was running up my card ''. I just want to replace my broken refrigerator for my family. my bank account status for navy federal is displaying " Your account information is being provided for informational purposes only. Providing you this information is not an attempt to collect a debt. '' Due to this status, NFCU understands that my account status is not a factor in using my credit card that NFCU approved. the entire time I was trying to resolve this issue, the customer service reps were very shady and reluctant to give me situational updates, navy federal is depriving me of my consumer rights, and I want a speedy resolution. I will be filing a federal lawsuit against NFCU along with other consumers experiencing the same unfair treatment consisting of constant Securities fraud and numerous consumer rights violations.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received a statement XX/XX/XXXX stating that that documents I sent are not valid which they have sent me a remittance transfer coupon and I accepted it and sent it back. I have been noticing they have been sending me a bill with a positive amount. 15 USC 1692e ( 2 ) if an amount is shown in the positive it is false and misrepresentation. How can I pay a positive amount? That a sum certain has been demanded from the bank? I accepted the negotiable instrument and sent it back on XXXX It also states you owe or your account. I am not you nor am I your. I am the living being natural person. I also have proof that they sent these bills and XXXX XXXX in his private capacity. sent out a letter dated XX/XX/XXXX. Notice, it is a fact, I, the affiant is the consumer and a natural person in accordance with 15 USC 1692a ( 3 ). 15 USC 1692 ( a ) ( 4 ) the term creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor in fact.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64114
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I had open an account and Navy Federal Credit Union and maintained my account until I was moved out of my home when I was not there and several weeks later I was incarcerated for a period of time. And during this time my card was used, checks were cashed in my name, a large amount of fraudulent charges were made and apparently the bank never flagged anything until several months later and my account was shut down and I was told I was not allowed to be a member of Navy Federal Credit Union any longer, especially after serving in the United States XXXX as long as I did being put out like that without anyone asking any questions or trying to fix the problem was very foul. Now I have over {$1000.00} owed and I had nothing to do with it along with several other accounts that someone stole my identity with.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38501
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I requested my credit card with Navy Federal Credit union to be closed on XX/XX/XXXX. I had already made a payment of {$160.00}. My credit report showed clsd for XXXX. On today XX/XX/XXXX I get multiple alerts from My credit monitoring stating, I had an account status change. My credit score dropped XXXX points. Navy federal credit card is the only account on my credit report.Navy federal reversed my payments from my credit card on XX/XX/XXXX, then waiting to report to credit card as 30 days late. They reopened my card because it now shows on my credit report as 30 days late but I closed my card over 30 days ago. As you can see in the attachment for my credit report on XX/XX/XXXX my account was closed and current but they navy federal went back and changed the status today.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My checking and savings account was compromised and I had to get a new checking and savings account & routing number. I have several fraud claims pending with navy federal credit Union and theyre dragging their feet regarding issuing a temporary credit, dragging out the process, team members lying to me and not doing their jobs. Ive been on phone with them for several days for over an hour and I get the run around. I have phone records and emails of navy federal credit Union team members telling me different things thats not the truth. Im getting the Michigan state attorney generals office involved, as well as the XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48192
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: To whom it may concern Even though my loan was paid off concerning my payments made through my finiancial institution I made all my payments on time according to each billing cycle. The payments was stated sent to the wrong department which incurred a late payment on my auto payment that between the finiancial institution billing department was lazy and not willing to transfer the payment to my account submitted. XX/XX/XXXX and past monthly installments from XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 3 checks were stolen from me in XX/XX/2022 when I sold my house, these three checks were cashed by a lady named XXXX XXXX thru XXXX XXXX XXXX account from my Navy Federal Credit Union account ending in XXXX, during the months of XXXX thru XX/XX/2022 I traveled out of the country during this time I could not access my account on the app because the bank would block the international Ip address. on XX/XX/2022 the firdt check number XXXX posted to my account and paid for XXXX then on XX/XX/2022 a second check number XXXX posted to my account and paid for XXXX also and on XX/XX/2022 the third check XXXX posted to my account and paid for XXXX. I returned from my trip on XX/XX/2022 and upon my arrival and seeing my bank statements I did not recognized these charges so I reported it to my bank and asked for copies of these checks when I received them I was able to identify that these checks had been stolen and fraudulently cashed all three checks have different handwriting 's. I submitted a claim form after reporting it by phone and included copies of the checks. Navy Federal credit Union took a long time to process and even that I had uploaded the claim on their secure site they kept saying they had not received it but system reflected that they had, so I continued to upload several times during the next several months till they finally admitted receiving it all, and then they took their time to issue it to someone to work on it, and then after several months later they sent a secure message stating that I would not get a refund or credit back, I asked why this was not making sense so then I waited and they refused to give me a reason so I appealed in writing and they again took months to answer and replied that it would not be credited back to me again I asked what reason and they never gave me a reason. I want my money back and credited back to my new account that they opened when my account was a victim of fraud XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33166
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My daughter is helping me submit this, and is typing this for me. I am elderly and XXXX veteran. Last year, from XX/XX/2022 to XX/XX/2022, a family member began using my debit card without permission, to buy things. they made a large purchase online. During the course of the year, they repeatedly stole my ATM card and used it to go shopping without my permission. I was unaware that they were stealing from me, and did not find out until XXXX or so, in the fall. During that year, i also gave this person my ATM card, so that they could do some grocery shopping etc, for me. I trusted them. They used my ATM card to withdraw money from the ATM, thousands of dollars a day at times. Over the course of the year my entire savings, {$20000.00}, was wiped out. We calculated that they stole at least {$27000.00} from my account. We didnt find out until my caregiver took me to the bank because my card was getting declined. There may have been a time when i gave them the PIN number for my card, trusting them and thinking they were helping me. After we found out, we managed to get a new card, which he then stole also and kept using. Even after we would change PINS he was able to use the card and steal the card. The bank is washing their hands and denying any fraud claims. I of course understand them not wanting to be responsible for such a large amount of money- however, as {$27000.00} was being vacuumed out of my account over the span of only several months, they did not contact me and recieved no notifications. They did not freeze my card, did not freeze my account... even when on certain days, there would be ATM withdrawals of {$1000.00}, over and over, from a totally different bank or random ATM. Even if they were not willing to help with the ATM withdrawals, i guess i was hoping that some of the shopping would be covered- as the card was stolen and used without my permission at all. the thief did not need my PIN to shop online or at XXXX... My daughter 's bank is very protective and will call her or freeze her card if she gets gas in a different town than usual! I just find it hard to believe that they missed this activity and that it did not seem suspicious to them. Of course I should have kept a better eye on the account as well but i have limitations due to being XXXX and when i needed information, i would just call the bank to ask about my balance. They never offered me any information about all the money being sucked out so rapidly. Even when it reached XXXX dollars, the only thing that happened was my card started getting declined. I understand and respect their decision not to help me out at all. But the fact remains that my card was stolen and used to shop, even if you ignore the ATM withdrawals. I believe that however small i should at least receive some small compensation. One thing was a TV that was bought for {$1500.00}, i certainly don't have that tv, as the person kept it for themself. Anything would be very helpful, because i am living hand to mouth and it is a real struggle at this point because i need more care than i can afford. The bank told me to take this issue up with the police. I did talk to the police and they were unwilling to help me, because they said this person was family and i gave them the card. But there were plenty of times that the card was stolen from me, and even the times that i gave it, i did not authorize them to steal so much money. I may try again to file a police report again, but i am concerned that this type of thing has been allowed to happen in America, and no one seems to have my interests in mind as a victim of theft, fraud. The bank and the police have refused to help me, and i don't know where to turn. I would appreciate any kind of help you could offer me, and I'm sure you can come to a just decision regarding my situation. Thank you very much for your consideration. Note : the bank did not give me any paperwork or emails regarding this decision yet. They notified me by phone, and told me they would send emails for appeals or with further question, to follow up with them in ten days. They have not sent me anything, and they have my current email because i receive correspondence from them. So the only thing i can upload would be the fraud claims at this point, or bank statements. which id be happy to have my daughter do. thanks.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My bank always gives me wrong info they have advertise next buissnness the first XXXX from a deposit is available it which isn't true, they never due.tgey accepted and approved my deposit and posted .I show only negative is an available XXXX but when calling they say it's negative they haven't sent ledger and applications like I asked so why do they advertise one thing then act differently.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A