Date Received: 2023-03-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX, I was communicated by two individuals posing as an XXXX and the clients via XXXX and text to deposit fraudulent checks. I sadly did so and was asked to transfer money to XXXX Navy Federal Credit Union accounts. The amount of the fraud checks in total was {$4000.00} ( XXXX of {$500.00} each ). Luckily, NFCU caught on to the fraud checks to stop me depositing them. They did shut down my mobile deposit function in their. However, as another punishment or the individuals themselves are reversing the {$4000.00} and taking my actual hard earned money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have a credit card with Navy Federal Credit Union. It was a card for XXXX. During the start of XXXX, my hours were cut down to XXXX hours per week. After 6 months my hours went back up to XXXX. In XXXX of XXXX, I left the company due to severe anxiety. Navy Federal Credit Union knows all of this. I even offered to give them check stubs and show them proof of unemployment. They refused the information. Even so, they could see the deposits because my money was deposited into the checking account I had with Navy. They did set up payment arrangements during some of this time. XX/XX/2022, I started a new job and my hours were XXXX which they consider full time. I took a pay decrease as well. But I needed to go back to work because I have an XXXX daughter who I have to spend hundreds of dollars on meds even after insurance. I also offered to show Navy proof of this, however they refused. I get repeated calls during the week and voicemails. I spoke with several people and it was also on their recored line offering help. Help was also on the voicemails. However, when I call, the fact is they said, there ere no help to offer. The have my monthly payments at over {$300.00} a month and it draws interest daily even though the card has been closed for over a year. And I was told, its on your credit and will keep damaging it until I pay the monthly fee they said to make. I informed Navy credit cards department, managers, supervisors and employees that I can not afford that monthly payment with my income, keeping up with my daughter XXXX meds, bills and mortgage. A XXXX told me that I could just pay what I can. However, the next week when I could not access my checking account. I was transferred to speak with the credit card department first and make arrangements before they would release my money in my checking account. Which was {$700.00}. This has been happening for months. The same thing. Lock me out from my money. When I informed them, a XXXX said, I can pay what I can because of my situation. The other XXXX said, that's incorrect and didn't bother to listen to the call from previous and said, there is nothing in the notes. For the past couple a week I been sending {$130.00} to the credit cards bi-wkly. Paying what I can. And Navy Federal Credit Union dept is still reporting my credit card account late every month. By law, if I pay something, it is not suppose to be reported late. I have also been to my doctor because my anxiety is back out of control due to the high levels of stress from this card and the communications with Navy Federal Credit Union. I have to now take medication from this. I have told Navy Federal Credit Union credit card department this and have cried on the phone many times. And they do not care. They just keep telling me, it will keep reporting negative until I pay the over {$300.00} a month they are asking. Also the balance is not going down at all. It just keeps going up. Even though the card has been closed over a year. At least I am making an effort, however they not even taking that into consideration.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between XXXX XXXX and XXXX XXXX the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. I would like the aforementioned information to be deleted pursuant to the law mentioned in the above sentence all late payments, and or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This company is illegally reporting my experience with them in regard to both my car loan and the account I am currently an Authorized User on. FRCA 15 U.S. Code 1681a 2 ( A ) ( i )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31906
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I received a email saying I deposit a check and withdraw XXXX dollars. That was not me I ask hem to please pull the camera at the atm. I had informed them that my wife car was broken into and my wallet with soc and Id and her purse was stolen.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There is an account on my credit profile from NAVY FEDERAL CREDIT UNION with the account number XXXX. I have not received any goods or services from this company. I have never done any business with this company. This company has illegally obtained my Nonpublic Personal Information per 15 U.S. code 6802. For example, my name, social security number, and date of birth. Only a signed contract between me, the consumer, and NAVY FEDERAL CREDIT UNION would make me legally bonded to any debt that they may claim. I have never provided any wet signature or Nonpublic Personal Information to this company on any agreement. Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless the such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) the such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to a such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I have not received any debt validation notice from NAVY FEDERAL CREDIT UNION as they were lawfully required to provide to me, the consumer per FDCPA laws. Therefore, I was not rightfully able to dispute this account before they unlawfully caused harm to my consumer report. This is a request for proof of delivery/receipt that NAVY FEDERAL CREDIT UNION has sent a debt Validation Notice to me, the consumer. Written and verbal communication directed via FDCPA was not provided to me, the consumer ; allowing me to properly dispute this invalidated debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a credit card with navy federal credit Union and I fell back on the payments. Theyve charged it off as a write off and I now want the 1099C form to file on my taxes. It is my right to get a 1099C form
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92110
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On or about XXXX XXXX XXXX I applied for a Navy Federal Credit Union CashRewards VISA card with NFCU. I received a denial letter stating reasons I was denied ( Denial Letter Attached ). I then mailed NFCU an adverse action letter addressing the denial ( Letter Attached ), in which I received no response from the financial institution. I do believe in fact that I was discriminated against. I would like NFCU to understand that I am aware of how Financial Institutions do business in commerce. I would like NFCU to promptly mail me back my application ( # XXXX ). If they can not mail me the original application, then they have violated my consumer rights. I know my rights and quit a few laws that protect those rights. I understand that my signature creates the security collateral in ANY consumer credit transaction. It is a fact, I am aware, that the term credit means the right granted by I, the original creditor, to a debtor NFCU to defer payment of the debt or to NFCU to incur debt or a loan from the US Treasury and defer its payment. This makes NFCU ( 12 U.S, C. 1431 } a borrower or solicitor who induced me to the treasury window to receive funds unbeknownst to me, at the time of the transaction. I, the cunsumer came to extend credit and not receive a loan from the U.S. Treasury. NFCU 's lack of willful full disclosure was the fraud of execution in conjunction with fraud of inducement brought forth by NFCU. I am aware that although I was told I was denied, the application was still deposited into the Federal Reserve Bank for notes. The Federal Reserve Act Section 16 parts 1 and 2 expresses this fact. I am also aware, in accordance with the term creditor in subsection 1602 ( g ), pursuant to 15 U.S. Code 1602 ( i ) a consumer in reference to a credit transaction is the party whose credit is extended from is a natural person and the subject of the consumer credit transaction is primarily for personal, family, or household purposes. Furthermore, I am aware that my social security card is a credit card pursuant to 15 U.S.C 1602 ( l ) as any card, plate, coupon book or other credit device. Existing for the purpose of obtaining money, property, labor, or services on credit. I am also aware that the unlawful use of a credit card such as ( Social Security Card ) under 15 U.S.C. 1602 ( l ) by a organization or person other than the card holder who does not have actual, implied, or apparent authority for such use and from which the cardholder ( me ) receives no benefit equals unauthorized use pursuant to 15 U.S.C 1602 ( p ). I am a long standing member of this Financial Institution and I am very disappointed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70072
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I ADDED XXXX PICTURE SCREENSHOT 'S OF PROOF! On Tuesday XX/XX/XXXX, at XXXX I made a bill payment in the amount of {$270.00} on XXXX online website. I am a joint owner on my husband checking account ending in # XXXX with NFCU. My husband has Overdraft ( OOPS Protection ) on his checking account that covers up to {$500.00} in transactions! It takes normally XXXX days for NFCU to process and pay a XXXX item. This wasn't my first time paying my XXXX XXXX bill payment using my husband our joint account ending in # XXXX, It took them XXXX days! I think a phone was made between the XXXX companies and NFCU charged our joint account the returned fee of {$29.00} to make the bank money! NFCU purposely charged us a {$29.00} Overdraft fee for NO REASON! This check for {$270.00} should've been paid. There was a running balance of available funds of {$760.00} to cover my bill payment check! I'm asking for letter of explanation from NFCU saying it was there fault so I can provide it to XXXX XXXX! I have email confirmation with a date and time proof from XXXX XXXX of payment made! I'm requesting a audit of our NFCU joint checking account of ALL the {$29.00} fees they charged us for XXXX and XXXX, they might have purposely charged these {$29.00} fees to male NFCU money!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A