Date Received: 2023-03-09
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: Hello my name is XXXX XXXX and this is the second CFPB complaint I have had to file about the same issue that Navy Federal keeps telling me for 3 years has been resolved. I am not wasting my time telling the entire story again- please read the prior complaint I have attached and see two documents. Due to having spoken to numerous reps for the past 3 years and no one seeming to be on the same page, I am corresponding here to make sure this is handled properly. Someone called after the last complaint and assured things would be handled and here we go again a year later. Navy Federal needs a much better system of accountability in their auto titles department instead of sending out threatening letters out of the blue with no context. Use the Navy Federal portal to communicate with members specifically and notes should be in the system so employees can read the backstory so they know how to communicate with members.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: consumer did not have permission to violate my privacy
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44125
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: XX/XX/2020 it was a fraud an they include me in voice recorder that I was working in Indiana employment with funds an I told them it was a mistaken but the security navy federal didn't won't to reopen my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX account to XXXX XXXX at the instructions of the scammers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11763
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: During XXXX Of XXXX I Opened A Navy Federal Credit Union Account, After A while I Quit My Job Working On The XXXX Vehicles For The XXXX XXXX In My City. I Used XXXX Search Filters To Find New Jobs & Came Across A Career Option As A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After Doing This For A While The Company Will Pay Me Using Gift Cards & Never Will Set Up My Direct Deposit As Requested As I Start To Get Stressed With The Gift Card Pay Every Week I Told The Company I Was Looking For Another Job Cause I didnt like the payment methods & knowing i will need paystubs and proof of deposit to my checking account after explaining this the company told me they will be sending me a bonus check to deposit into my bank for almost XXXX $ i continued to work once i received the check i immediately went to my bank ( Navy Federal Credit Union To Deposit ) Days Later The Company Asked For My Account Information To Verify My Check I gave it To Them after that the so called boss called and said the check was over writing i need to send the money back i told him that it was still in my bank im waiting it to clear im sorry i thought it was my bonus check he respond no not that onewe need the money sent back immediately he checked my account and told me to go withdraw XXXX $ and send it on gift card i did so trying not to lose the XXXX immediately after that i felt that was XXXX mistake a employer can make i went to XXXX did research on the job and omg everything said XXXX scam i was so lost they had locked me out my account navy federal fraud department line was so long so i hung up and i walked in bank got help filled out forms and NFCU havent got my account fixed since
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I went to a XXXX XXXX XXXX ATM today XX/XX/23 and made a withdrawal however after the transaction processed the ATM gave me an error message stating something is wrong with this machine. I contacted Navy federal and was advised that I had to wait for the system to update and it can take up to 2-3 days per supervisor XXXX to receive my funds. This is not acceptable. They advised where they see that XXXX XXXX XXXX is making a correction but will not not credit my account back the funds. I contacted Navy Federal again and spoke to XXXX who was basically told me there is nothing she can do.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have been calling NAVY FEDERAL CREDIT UNION since XXXX attempting to speak to the securities department so that I can have access to my account be restored to me. After about the 7th time calling I finally got someone from the XXXX XXXX XXXX to speak with me. His name was XXXX XXXX XXXX and he called me from the number XXXX. When I answered Fiduciary Agent XXXX of the night securities team lied on me and told me that I am harassing NAVY FEDERAL CREDIT UNION then threatened to block me from calling if I continued to call the company seeking assistance for this matter. That is a defamation of character and a deprivation of my federally protected rights as a federally protected consumer. Then XXXX Hung Up on Me without trying to assist me. I CALLED BACK and was transferred back to XXXX the night securities fiduciary agent again. I explained to him that I filed a complaint with the FTC complaint number # XXXX and that I am attempting to handle business with NAVY FEDERAL CREDIT UNION the CORPORATION. I tried to explain to him that I called NAVY FEDERAL CREDIT UNION because my account has been flagged for suspicious activity wrongfully and that the fiduciary agents of the securities team did not obtain permission from me to act as my guardian and that I need access to my account restored immediately. He TOLD ME THAT I AM NOT TRYING TO HANDLE BUSINESS even though I explained earlier to other fiduciary agents that I NEED MY ACCOUNT TO BE RESTORED IMMEDIATELY SO I CAN COMMENCE TO HANDLE BUSINESS ONLINE AND CHECK MY ACCOUNTS AND SEE WHAT TOOLS I CAN USE ON THE NAVY FEDERAL CREDIT UNION ONLINE BANKING APP THAT WILL GIVE ME THE ABILITY OF MAKING SMART DECISIONS WITH MY NEWLY ACQUIRED FUNDS. Instead of helping me he OBSCENELY hung up the phone again on me. Causing great mental anguish, anxiety and many other actual damages. All are equal under the law. In commerce, truth is sovereign. A matter must be expressed to be resolved. I can not sign away my rights. The Federal Government did not create guidelines for corporations to abide by. The Federal Government created Codes and Statutes that are based on the LAW which must be adhered to. The Official Misconduct of the fiduciary agents of NAVY FEDERAL CREDIT UNION have caused me many actual damages. Deceptis, non decipientibus, jura subveniunt. THE LAWS HELP PERSONS WHO ARE DECEIVED, NOT THOSE DECEIVING. As beneficiary of the XXXX XXXX XXXX, Estate I have not received any benefit from the actions of the Fiduciary agents and demand to be treated with respect. There is abundant evidence that NAVY FEDERAL CREDIT UNIONs FIDUCIARIES have ill will towards me and have knowingly and willingly discriminated against me because of my race and financial status. PLEASE HELP. Note 1 : I, XXXX : Small, Beneficiary wrote this complaint and the affidavit of truth and facts and the complaint to the FTC MYSELF XXXX I am of the age of Majority and not a minor. Note 2 : With this complaint I will also attached the Affidavit of Truth and Facts which covers the subjects of Credit Cards, Credit Instruments, Commercial Instruments, Creditors, Card Holders, Original Creditor, Original Card Holder and my complaint that I filed with the FTC. Note 3 : I opened my bank account without prejudice, with honor, in good faith, and with clean hands. Note 4 : I have provided proof of the lawful commercial instrument that has been created by XXXX XXXX XXXX XXXX Beneficiary and payed to the order of me Note 5 : I have provided proof of the lawful commercial instrument that I created and paid to the order of XXXX XXXX XXXX, Beneficiary . Note 6 : I already sent NAVY FEDERAL CREDIT UNION the affidavit of truth and facts supporting my acts notarized, dated with a time, autographed with my beneficiary signature, stamped with executor 's seal, and with a witness signature via Certified Return Receipt Mail XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I called the Navy Federal Credit collection department to request a 1099-C form for a debt that was charged off on my credit card account. Unfortunately, my circumstances have led me to experience significant financial hardship and medical issues, which has made it difficult for me to pay my debts on time. I asked them in the hopes that they can provide me with the necessary documentation for tax purposes. ( 1099C ) I explain to them our i have been struggling with financial hardship, such as job loss, medical bills and other unforeseen expenses. Despite my best efforts, I have not been able to make timely payments on my account, and the account was charged off as a result. This has been a difficult time for me, and I am doing everything in my power to manage my finances and improve my situation. But they refuse to provide me with a 1099c despite the changed off is on my credit account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21075
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My information is all over black web so my information is over with right now.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have never contacted my bank before in which is Navy Federal a credit Union. Ive never contacted them about funds being stolen from my account. In which it has happened before but the XXXX app the person tried to use was able to block the charges. No help to my bank. I live in a small area and I dont travel. I work 7 days a week and I can travel out of town. My cards was stolen on top of my cell phone on which had apps the had my contact information and some card information stored on the phone. I notice XXXX $ was taken out of my card in numerous ways via stores and XXXX purchases. In which I dont se XXXX to make up {$900.00} worth of purchases. Im a routine person. Navy federal told me they are taking my provisional credit back because its normal activity for me and that is just not true. This bank does not do a thorough investigation and will loose a lot of consumers if we cant even trust them to secure our funds! Im a single mother I just got my taxes and spent it all to pull myself out of the hole I was in and I placed {$1200.00} to the side to go on top of my work checks so me and my kids will never be in a bind again! But now someone stealing my information and cards me contacting navy federal to let them no whats going on only for them to do absolutely nothing is the most disheartening thing ever what about protecting your consumers. At this point I wan to find another bank that can promise to secure my account. The charges should have looked suspicious to the bank and they should have blocked those charges mid transaction because its out of the ordinary for me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A