Date Received: 2023-03-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I accordance with the fair credit reporting act XXXX Account # XXXX Navy Federal Credit union. Has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Navy federal is accountable for damaging my credit score. They have breached their contract and continue to report to the credit reporting agencies. It affects my livelihood as a veteran as I try to purchase a home. Also, Navy federal needs to remove themselves from my credit report immediately or I will seek legal action. They have also violated my consumer rights as they have no right to communicate with me directly or INDIRECTLY. Including through credit reporting agencies. They do NOT have my consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: hello My name is XXXX XXXX XXXX XXXX # XXXX my address is XXXX XXXX XXXX XXXX Oh XXXX. My auto loan with navy Federal account # XXXX increased from XXXX to XXXX in XXXX of 2022 I called in to get an explanation for the increase and was told by a customer service rep on my 3rd time calling in that the interest had increased due to navy federal not being added as a lean holder on the title by 90 days after the vehicle being refinanced I told the Rep that the lean was place on title a few days after I received the pay off notice for XXXX XXXX and was sent in by the BMV of Ohio. She could not find any internal record for this and told me an investigation would take place to try and locate any paper work or electronic lean sent by the ohio BMV and any difference would be credited to my account. In XXXX I again reached out about the amount of my loan not reflecting the correct loan amount I was again told of the reason as in the lean as was told there was not any notes of an investigation I was then told I should reach out to the BMV and have the lean placed on the title and my loan would revert back to the lower intrest rate. I contacted XXXX XXXX to get another payoff disclosure because the original was given over to the clerk at the Ohio BMV it took 2 weeks for this new pay off letter to come I again went to the BMV and had a Lean for navy federal places on the Title and sent navy federal copies of the paperwork from pics I took I contacted navy fed again and was told it was in the middle of the bill cycle and the XXXX would come out and could not be adjusted for the XXXX Bill cycle but would reflect in XXXX and the new payment would be slightly higher than the XXXX due and a new rate of XXXX would start on my XXXX payment I also recieved a letter from navy fed stating the new payment would start in XXXX. I again paid the XXXX note and when the XXXX payment came it still had the higher XXXX payment and not the XXXX I contacted navy Fed again and spoke to a rep that sent me to the supervisor after she said it was mistake on their in the supervisor told me she could see the error was on there end but the loan department would have to fix it and my account would be credited the difference and I should wait 3 to 4 days for it to reflect I waited the time I was told and nothing changed and a automated withdrawal for XXXX was taken from my account I called navy fed and spoke to a rep who again told me she could see the area and the loan dept had not fixed the issue even though a ticket was in I was transferred to the Dept manager where he had me wait on the phone for 1hour and 30 mins trying to resolve the issue in which he could he again bput in another e ticket to resolve the issue and I was told by the rep since the payment was pending I would have to wait for the difference to be refunded with 2 -3 days this was XX/XX/XXXX. After my account was not credited the difference I called in again and spoke to a Supervisor named I was told she would investigate the matter and listen to previous calls where I was told on multiple occasions my account would reflect the new payment of XXXX in XXXX and now even my XXXX upcoming payment was still showing for XXXX she said a new letter was sent that the change would take place in XXXX payment which I argued makes no sense for a change to occur 4 months after the requirement was met and this is not what I was told by multiple Reps and supervisors she again stated she would look further into the situation and return a call back to me Monday after speaking against to a Rep Tuesday XX/XX/XXXX I was again told that in the notes a error was found on navy feds behalf and another E ticket was placed to the loan department this time the rep told me my monies would go to the principle and my account would not reflect the XXXX amount would not show until XXXX again an unacceptable outcome. this is a breach of the contract. The failure of navy fed to record the initial lean was not my fault and after I corrected the issue I am still being unjustly charged a higher amount than what I was told and the corrections where not and have not been changed as I was told in XXXX and they are delaying on giving me any remedy
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Navy federal credit union closed my account due to me getting my identity stolen they went through my account when I reported to them they confirmed with me that a device I didnt even own was logged into my online banking my email phone number and personal information was also changed and I give them all the correct information that was mine they then told me not to worry that they will open my a new account ( I did say I would pay the negative balance from the past account because I believe I should have been more observant in my transactions history ) two days after the account was opened I called to ask a question and find out they had closed my account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Navy FederaXXXX XXXX took 80 % of my paycheck without court order leaving me with XXXX $ to pay rent. this happened on XX/XX/2023. I called to try to get the amount taken at least reduced and I was told to " be happy they didn't take it all. ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80222
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A sum of {$4100.00} was taken from my NFCU account between the end of XXXX and when I noticed it the beginning of XXXX. A company that goes by the name XXXX XXXX started taking money from my account several times a day ; ranging from a few cents to {$100.00}. I didnt notice it until I was trying to buy something from the vending machine at my job & it declined. I then went to my mobile app & saw I didnt have any money. I immediately contacted NFCU, explained what had happened and they instantly cut my card off. I was told an investigation was underway and they would contact me with the results. A few weeks passed & no corespondents from them so I called them only to hear the investigation was completed and they had confirmation from the other company that the charges were in fact mine. I told them they werent & they said they would do another investigation. This was the middle of XXXX. I was called XXXX XXXX XXXX and asked about suspicious activity on my account by another company thats when I asked about the investigation. They told me it was still pending and it would take 44-60 days. I let her know its been pending since XXXX. She then said just wait till they contact me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: The identity theft started in XX/XX/2022. The person opened a checking account and obtained a unsecure loan of about {$50000.00} in my name. There were other fraudulent bank and credit accounts that were opened. Those banks have agreed it was fraud. Navy Federal Credit Union is the only bank left that is claiming that it is not fraud. I have filed a fraud form with Navy Federal Credit Union. They denied the fraud claim. I then filed an appeal. Navy Federal Credit Union denied the fraud claim again. I stated to them that I did not create the account and I did not serve in the military. To be part of the the Navy Federal Credit Union requires that someone serve. I have filed and submitted a FTC report and police report to Navy Federal Credit Union. I have engaged a law office to help assist in this matter because it is still not resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/2023 Navy Federal {$5000.00} I reported someone getting into my account and sending an unauthorized ACH payment of XXXX to someone I dont know. They did an investigation and did not return my money and I did not receive a provisional credit and they said they would not return my stolen money. I changed accounts, username and password after that had happened. I did reach out to them multiple times as well telling me theres nothing they can do. I then opened up an appeal and still have not received a response back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85014
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XX/XX/2022, is when the charges began on the checking account in the amount of XXXX dollars. Unfortunately I did not notice the money was gone as we were visiting family in Missouri. the charges were completed and authorized in the state of New York. I have provided Plane tickets with time/dates with both my wife and myself stating we were in MO at the time of these transactions. once the official fraud claim was denied I then went to headquarters to file an appeal and the paperwork was routed incorrectly which put the a appeal another 10 days past. Navy Federal has been unprofessional from the start, I have called numerous times to get a status or to have the appeal worked and they only tell me to wait longer as I'm in que. Once again the claim is black and white I have never used XXXX XXXX XXXX. This money is used yearly for my daughters daycare enrollment fee. Someone committed fraud on my bank card but i feel as navy federal is not protecting me as my bank. I had a similar situation with XXXX a few years ago and it was handled within the week. I have already moved my direct deposit but now currently waiting for the funds to be reversed. Please help with this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A