Date Received: 2024-01-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I noticed my card was fraudulently being used and immediately reported the fraudulent charges. The Navy Federal Credit Union representative filed the claim ( which was approved and found to be fraudulent ) but she only reported one transaction although there were multiple transactions from the same merchant. Once I realized the representative made an error I contacted Navy Federal and advised them that the representative didnt include all of the fraud charges, so the bank had to create another claim that they denied. The initial claim was approved and found that I was a victim of fraud but the rep only added one item when there were about 9 items that I initially disputed. I appealed the decision and waited over a month and was denied again. Im the victim of fraud that is now being victimized by the bank
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX we received a letter of denial for car loan! They said they pulled my credit and the number came back as XXXX from XXXX XXXX. So, i called XXXX XXXX and they said we didn't send over a XXXX score! We called Navy Federal credit u back and asked them again where u getting that number when XXXX XXXX says something totally different? Navy federal credit union says they can't help me take it up with XXXX XXXX! So I sent a copy of my score and haven't heard back from them yet!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: My wife and I submitted an application through Navy Federal credit Union for a home loan. We sign documents for a 20 year loan at an interest rate around 12.85 % APR. We also submitted the request to proceed. However, I received a phone call from our loan officer XXXX XXXX, advising that we were not approved. I asked why, if we already signed E signed documents, given us the rates in terms, and she advised per our guidelines. When I requested what the guidelines were or any more detailed information, she was very vague. I asked to speak to her supervisor. Her supervisor never contacted me back. Had a XXXX contact me and stated because of our XXXX score after I requested to speak to Supervisor, the supervisor also stated to XXXX that they can submit for an exception to be reviewed and we will get a response back which we were denied again. I felt like it. This whole process was misleading since we were signing you signing documents with rates in terms my regular process was never signed any documentation I had to I knew that we were approved very misleading
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30534
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Navy Federal Credit Union ( NFCU ) has been at the center of racial animus and discrimination allegations in loan activities. I applied for a car loan with NFCU. I applied online for a car loan. I was denied but given an email or notification in the application process that I could appeal the denial. I waited 10 days to do so to get the denial letter. I called NFCY with the info in the credit report noted as a reason for denial. I also sent a secure message inquiring about the appeal to no avail. I verified my credit score at XXXX, job and income data, employer data, cash on hand at other financial institutions, and my home address. All data was verified telephonically with a representative. The data wasn't reviewed. I'm still waiting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: XX/XX/2023 NAVY FEDERAL INVESTMENT SERVICES, XXXX XXXX XXXX XXXX XXXX, VA XXXX UNITED STATES Further FCRA, as a federally protected consumer : The term consumer means an individual who obtains, from a financial institution, financial products or services which are to be used primarily for personal, family, or household purposes, and also means the legal representative of such an individual. I am now opting out of ANY and ALL authorization, I the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC 6802 titled Obligations with respect to disclosures of personal information, which states : ( a ) 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 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.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am submitting a formal complaint against Navy Federal Credit Union, expressing significant concerns about potential privacy law violations, particularly the insufficient disclosure of opt-out rights. As a responsible credit union member, I expect institutions like Navy Federal Credit Union to uphold transparency, fairness, and compliance with regulations. Recent observations raise serious concerns, warranting a thorough investigation into Navy Federal Credit Union 's practices. My primary concern is the apparent lack of disclosure regarding consumers ' right to opt out of information sharing, a crucial aspect of privacy. Section 15 USC 6802 ( b ) ( c ) mandates clear explanations, but Navy Federal Credit Union may not effectively communicate this information. The absence of opt-out information, a right under 12 CFR 1016.7, is troubling, hindering informed decisions and raising compliance questions. Beyond opt-out disclosures, concerns extend to potential Fair Credit Reporting Act ( 15 USC 1681 ) violations. Section 602a emphasizes fairness, impartiality, and respect for consumer privacy, areas where Navy Federal Credit Union may lack full compliance. The apparent lack of information on opt-out options may signal broader insufficient privacy disclosures. Section 15 USC 1681C ( a ) ( 5 ) prohibits certain adverse information disclosure without proper authorization, necessitating clear privacy disclosures under The Privacy Act of 1974. Notably, under 15 USC 6805, the privacy notice reveals involvement with third-party companies, implying potential Privacy Act and terms and conditions violations. 16 CFR Part 313 and 16 CFR 433.2 outline requirements for privacy practice information. Emphasizing 5 USC 522a in relation to identity theft, protecting personal information is vital, and any false use of identity, as suspected with Navy Federal Credit Union, contravenes the law. Additional concerns involve potential FCRA Sec 603 ( d ) ( 2 ) ( a ) ( I ) violations, as it prohibits having a consumer report containing solely transactional information. Such violations breach consumer trust and ignore fundamental principles of consumer protection. Lastly, 15 U.S. Code 1681s2 ( A ) ( 1 ) A underscores the importance of furnishing accurate information to consumer reporting agencies, a responsibility that must be upheld. In light of these concerns, I urgently request a thorough Consumer Financial Protection Bureau investigation into Navy Federal Credit Union 's practices. I implore the Bureau to address opt-out and privacy disclosures, considering relevant laws, and ensure compliance with privacy laws and consumer protection statutes. I appreciate your attention to this matter and trust the Consumer Financial Protection Bureau will take necessary steps to safeguard consumer rights.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Has had scheduled payments not processed by creditor, resulting in credit file reflecting late on payments. Payments have been made and account is satisfied.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Ive been receiving repeatedly calls from this company a day and when I finally answered once the young lady basically threatened me that if I did not pay the balance basically it will continue to have a negative remark on my credit all calls are recorded for training purposes so Im highly sure this call can be pulled up and listened to to prove what I am saying now, I have no knowledge of owed money with this company Ive previously disputed the charges in that card so im not sure why there will still be a balance on the card, Im only on one account with this company and im an authorized user
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to my local branch on XX/XX/2023 to deposit my IRS Tax Refund Check into my account. I received an email on XX/XX/2023 at XXXX XXXX stating that, " A review of the check ( XXXX ) deposited into your account on XX/XX/2023 indicates potential suspicious activity. For your security, some restrictions have been placed on your accounts. ". On XX/XX/2023 I called Navy Federal and got transferred to security where I talked to an agent. He stated that he just got off the phone with IRS XXXX Internal Revenue Service ) and they said that it wasn't my check and it was a fraudulent check. I called the IRS XXXX Internal Revenue Service ) gave the agent my personal information and she told me that she seen where the check had been deposited into an account and that it was my check. I also received a bank statement on XX/XX/2023 showing that the check was deposited into my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I WOULD LIKE TO MAKE A CREDIT INQUIRY, DISPUTE, AND COMPLIANT AGAINST NAVY FEDERAL CREDIT UNION.THEY ARE XXXX XXXX XXXX XXXX XXXX XXXX , AND e GRUDGE HOLDING XXXX OF THE HIGHEST ORDER. I WILL NEVER LET THIS GO UNTIL THE END OF TIME. I WILL NEVER FORGIVE THEM IN MY HUMAN ADULT LIFETIME FOR THIS XXXX ACT. UNTIL THIS IS OFF MY CREDIT REPORT ASAP. I HAVE A SPOTLESS CREDIT FILE. THIS MAKES NO SENSE. THIS XXXX AND XXXX COMPANY FULL OF XXXX XXXX WHO XXXX XXXX PEOPLE AT ALL COST AND SUPPORT XXXX XXXX WITH XXXX DECEIT AND CRIMINAL ACTIVITY. I HAVE A 20 YEAR 100% XXXX XXXX XXXX XXXX AND HAVE A SILVER STAR AND NUMEROUS OTHER AWARDS , I DO NOT OWE THEM ANYTHING. IM ASKED THEM REPEATED TO SHOW ME THE PRINCIPAL AMOUNT OWED TO NO AVAIL. THE ALLEGED AMOUNT I OWE IS NOTHING BUT XXXX ILLEGAL FEES INTEREST AND COMPLETELY FALSE MADE UP CHARGES OUT OF THIN AIR. THE SOLDIERS AND SAILERS ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX APPLIES THIS WAS A SECURED CREDIT CARD. I OWE THEM NOTHING. I WILL SUE FOR DAMAGES FOR XXXX AND XXXX DISCRIMINATION, .AS WELL AS THE AMERICAN WITH DISABILITY ACT. STOP THE MADNESS. PLEASE FULLY INVESTIGATE THIS WITH ABSOLUTE PROOF. NAVY FEDERAL CREDIT UNION XXXX SECURED CREDIT CARD OPENEDXX/XX/XXXX CLOSED CHARGE OFF CREDIT LIMIT XXXX PAST DUE XXXX REVOLVING INDIVIDUAL SECURED CREDIT CARD
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A