Date Received: 2023-03-14
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: In XXXX of 2022, I filed a fraud claim on my checking account for a scam that I was a victim of involving a Navy Federal Member who was portrayed to be a XXXX who runs a debt consolidation program. During our phone conversations and instructions on XXXX messenger, I was told to make payments using their business bank account to pay off my XXXX XXXXXXXX XXXX credit card. The account that I was told to transfer the money from was from XXXX XXXX and I made 4 larger transfers to pay off the card but in return had to pay a service fee for this service of {$6000.00} to the business owner XXXX XXXX. Well, I also paid XXXX XXXX XXXX XXXX and XXXX XXXX using member-to-member transfers. I filed a claim with Navy Federal stating all of this and they gave me a provisional credit for {$6000.00}, well a month later they reversed that credit and made my account negative. Now they are harassing me daily about the overdrawn account in which I did not do but I am supposed to pay for it. The account is due to go into collections soon which would do more harm.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37042
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navy Federal has negatively impacted my credit my reporting an incorrect balance for over 2 years.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
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: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I was sent XXXX via XXXX. As usual I was sent a text saying the funds were on the way and would be deposited into my account. The transaction was later cancelled by my bank because they hadn't turned on my " instant deposit '' and I am told there is no way for them to recover my money. Spent nearly and hour TWICE on the phone with the bank and got nothing resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76017
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: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I was seeking to refinance a new vehicle loan to lower the rate that I received with the dealership. I was immediately denied for the sole reason of " causing a loss '' over 20 years ago when I filed a bankruptcy. The amount owed was repaid under the terms of the bankruptcy and was agreed to by Navy Federal. However, the remark is attached to my profile for XXXX They won't even look at my income, collateral, credit score, or history since discharging the bankruptcy. They are more than happy to take/hold my money but I am forever barred from borrowing from them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28540
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Please refer to previous complaint : XXXX. My son 's Navy Federal Credit Union XXXX XXXX account was hacked and nearly {$9000.00} was stolen by person ( s ) unbeknownst to us. Regarding our previous complaint, Navy Federal 's " investigation '' of this event had gone on for a long period of time and our complaint was pertaining to not receiving any updates from Navy Federal. The previous complaint account was closed by CFPB on XXXX when Navy Federal responded that they were " still working on the issue. '' We finally received a decision from Navy Federal on XX/XX/ that they could not subtantiate that the money was fraudulently removed from the account and thus are holding us financially liable. I am co-owner of the account and neither me, my son nor anyone we know had anything to do with this theft. Navy Federal not being able to prove fraud is NOT the same as proving that we were responsible for this. Additionally, Navy Federal will not share any information regarding their " investigation '' without a subpeoena. We have contacted multiple organizations- Federal Trade Commission , Cyber crime unit of the FBI , and the National Credit Union Association and none of these organization has been able/willing to help us. I have also contacted multiple lawyers and have found no one willing to represent us. Navy Federal promotes a " Zero Liability '' provision for fraudulent activity on their accounts, and I feel that this should apply to us. At a minimum, since they are essentially stating we are guilty of stealing these funds, they should be required to share the information that they feel substantiates this. Otherwise this is analogous to being found guilty without due process. I am hoping that this could be further evaluated and feel that Navy Federal should be made to share their information that implicates us which will ultimately show that we were not found to have committed this crime. Thanks very much for your help with this most distressing matter. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23454
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: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I filed for a XXXX XXXX Bankruptcy back in XXXX and included a Navy Federal credit card with a XXXX balance. The credit card was included and discharged in the XXXX XXXX bankruptcy. Since the bankruptcy, Navy Federal has continued to try and collect the credit card balance and continues to put the balance on my credit reports, as an owing debt in order to harass, and lower my credit score. This harassment has been ongoing since XXXX and I was finally informed to contact this agency for assistance. This debt is also over seven ( 7 ) years old ( no payment over 10 years ), and they continue to put it on all three ( 3 ) credit reports to abuse, harass, and destroy my credit. Please assist.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30248
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: 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 an 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: MS
Zip: 391XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023, I called navy federal credit union and asked for my tax refund to be released early because it was pending. I was told to call back on XX/XX/XXXX, to release funds and I was told today that majority of ny tax refund was offset due to a unpaid credit card. From my knowledge, tax returns can only be offset due to state and federal debts. A credit card is neither. I have 2 checking accounts with this bank and 5 savings accounts, 4 which are custodial savings accounts for my minor children. I receive mail on a regular basis from navy federal but I never received a letter stating the bank would be collecting my entire tax refund to repay an unpaid debt. I am a single mother to XXXX children, XXXX with suspected XXXX XXXX XXXX This money would have helped offset some of their medical bills. Had I not called, I would not known why i received a partial refund. I get direct deposits every 2 weeks into this account. The money has never been transferred to this closed accounts. Covid effected my household as well as XXXX of other houses holds. The housing crisis and food inflation cost has taking a toll on me. I attempted to discuss this with 2 different individuals at navy federal. My tax refund was illegally seized by Navy federal without warning. Although i understand that I do owe for this debt, there was no conversation or correspondence between myself and navy federal before my refund was offset. Banks do not have the authorization to offset refunds for debts. I would like to resolve this matter and have my monies returned to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30291
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid U.S. Postal XXXX XXXX. The money order clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. XXXX XXXX number XXXX was made with the proper clauses and provision based on banking law in the amount of {$6000.00} in accordance with HJR-192 Public Law 72-10, U.C.C. 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to NAVY FEDERAL CREDIT UNION on XX/XX/2023. I called on XX/XX/2023 and spoke with one of their customer service representatives. A copy of that phone conversation will be attached. They refused to stand in honor of the law by applying the proper payment to my account. They returned my instrument and did not discharge the debt.They continue their collection efforts with threats of closing my account ; even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without levy so they may remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was paid by check for writing music for someone and i deposited the check and they said the check wasnt real and i had no clue. I was banned from navy federal
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A