Date Received: 2023-03-02
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have a {$200.00} secured credit card with Navy Federal. My balance on my card was {$420.00} I was 60 days late on making my payment. I made a {$420.00} payment on XX/XX/XXXX a duplicate payment was sent for an additional {$420.00} Upon realization of the additional payment I requested for it to be canceled. I asked for it to be sent back to my XXXX XXXX checking account ( which is where the funds originated ) Instead of sending the funds back the {$420.00} it was put into my Navy Federal Savings account. I have no access to move any money except to my credit card so I used my credit card to make purchases I then transferred money from my savings to my credit card to pay down my balance. My savings account has a balance of {$0.00} my credit card that I just paid off twice ( which again only has a credit line of {$200.00} ) is currently at a balance of {$310.00} I have not been able to transfer my money to any account except for my credit card. I was then informed that my original {$420.00} payment that posted on XX/XX/XXXX was declined due to insufficient funds. This was on the day when I received my tax returns and 2 separate deposits from both my jobs. The first payment I made when I got my money was the {$420.00} to pay the balance of my credit card. Once again NFCU has no idea how this occurred other than to blame me and leave me stuck with the bill. I have had my checking account taken away after I was the victim of fraudulent charges. I am also in risk of losing my account and being made to look like my claim is misleading and untruthful. I do not have money to afford the legal defense to file a lawsuit in court and prove my claim. Because of this NFCU continues to ignore my requests to resolve this. Sadly, Banks get away with this all the time. Im sure when they inevitably face another financial crisis they will fortunately not have to endure the same treatment and will instead be saved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ND
Zip: 58078
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX, my vehicle was broken into. I did not discover this until XX/XX/2023. I logged on my account that morning and discovered {$500.00} was taken out of my account and I immediately contacted NFCU. As I am making my report to my bank the suspects tried to take out another {$500.00} but the representative was able to stop it. There was nothing the representative could do because the payment had not yet been posted. The representative informed me to wait a few days and call back when the payment was posted. I made report a few days later and was given directives to make a report with FTC. I completed that form. Following up on the process of the claim, I discovered that NFCU representative disputed my entire transaction for XXXX XXXX in the amount to $ XXXX. I never disputed that amount I only dispute The XXXX XXXX of {$160.00} and ATM withdrawal of {$500.00}. A manager assisted with getting the dispute corrected and transferred back to fraud department. I also encourage the manager to listen to all of my calls so there would not be any false information on my behalf because I know what I informed the representative that took the initial report. I have continued to check on the claim to be informed the claim was denied again. I have requested them to do a full investigation by obtaining video footage from the store to prove it was not me. They have failed to notify me of what they have received to investigate the claim. I have submitted the FTC report as well as Police Report. They are still alleging it was me that did this fraudulent transaction. It was not me. I had to start completely over by obtaining a new social security card and DL ( I have proof if need receipts ). My other banking was affected as well and not just NFCU. I have went to both store ( The XXXX XXXX and XXXX XXXX ) and they both indicated they do not keep video footage over 30 days. There is no way I could get any footage and I have been trying to get this issue resolved by doing my due diligence and turn in anything that will support my claim. Asking NFCU follow up questions of what need to be done. Little to no response. The only thing they have related is they are using information I have submitted and not telling me the facts. This has been very much frustrating because I can not express enough this fraud transaction was not me. They will not even speak to me they will relay messages through third party. I need this issue resolved. This has caused me a lot of stress and issues. I am very hurt that NFCU would allege I did this transaction.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I went to the Navy Federal ATM located at XXXXXXXX XXXX XXXX XXXX, XXXX to deposited an amount of {$980.00}. After accepting the cash, the ATM tried to open and close about 3-4 times, each time trying to spit a {$20.00} dollar bill which comes out half way and goes back into the ATM. I stood there watching what was going on with the ATM until it closed finally. During all this clicking sound an amount of {$980.00} was shown on the screen for a brief second as having deposited. After standing idle and watching the abnormal functioning of the ATM close to ~30-45 seconds, the ATM closed finally and a receipt came out showing a XXXX Amount Deposited ( See receipt attached ). Without moving away from the ATM machine, I called NAVY federal office to report the incident and I was assured of an investigation within 10 days. On Tuesday XX/XX/XXXX, I called NAVY federal to check on the status of my claim only to be told that the said claim was denied ( See Denial letter attached ). I called to speak with two different managers but each of them did not provide any help but reechoed the decision of their investigation. I was told to expect a contact from a Branch manager that evening on XX/XX/XXXX but I'm yet to be contacted. Please I would like your office to assist in resolving this matter as there are multiple ways to substantiate the authenticity of my claim and not just by the physical cash in their ATM on that day. Thanks for your cooperation. XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have applied for a credit limit increase on my existing credit card account several times and NEVER receive a response. I have called to follow up and been told that a " letter '' was sent to my confirmed address on file and no one can tell me what the letter states or why my request is being denied. I DO NOT RECEIVE THESE LETTERS. At this point I am left to believe I am being discriminated against and not given the same opportunities as the rest of the members.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Navy Federal opened a credit card for someone under my name and refuses to remove it!! It has an address that I NEVER lived at. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I did not open this account and demanded a signed copy of me authorizing this credit card. The bureau reported it as opened in XXXX now it says opened in XXXX. This is not my card and I never authorized it!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I, XXXX XXXX, Original Creditor and Natural Woman/Man hereby rescind my consent to be liable to perform on the contract agreement i entered with XXXX XXXX XXXX XXXX XXXX XXXX I entered into this contract agreement with XXXX XXXX without 1 ). Full disclosure of my right to rescind 2 ). Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). I have reason to believe that XXXX XXXX willingly and knowingly took advantage of me and my consumer credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63043
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hello, so my account has been on hold for a good two years. I received a letter from navy federal stating my funds will be released and all will be available XXXX my account is on hold nor will they close the account or withdraw the money theyve been very unprofessional a banker told me she seen a check bounce after 5 years. My account is earning dividends I get a billing statement every month
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92103
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Had a secured credit card at Navy Federal. Went over secured credit limit. Remaining balance was decreased with the secured funds but the remainder sat for 9 months before I could handle the situation. The checking account was closed but the savings was still in use for the 9 months. Had transactions during this time. Two weeks ago I started back working wanted to take care of my debts. First check was basically absorbed by this process. Then I made another payment to the balance. With less than 400 left to pay it off the bank takes the remainder of my balance in my account and puts it in the negative. The bank says they have to put a hold on the account for the secured amount because the account still has a balance and if I want it lifted I have to pay off the remaining balance. During the last 9 months my account was open and being used. No hold. Now that I put a direct deposit in the account they put a hold on my funds without notice. They said they just took that secured payment in XXXX of 2022 but it was before that and like I said I have had random deposits go into that account. I want the hold lifted and any payments that was disrupted because of them set right.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32505
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I refinanced my vehicle loan from XXXX XXXX to Navy Federal Credit Union back in XX/XX/2022. Prior to this, In the past I have refinanced a vehicle with Navy Federal Credit Union and the whole process was smooth and completed in a timely manner and Navy never had me running around trying to get the title to them or have them placed as lien holder. This time around Navy has been very difficult. They claimed that it was my responsibility to get the title from XXXX to them and that they had sent plenty of letters to me to inform me of such. I only received one letter titled final notice at the end of XXXX that my payment was increasing in XXXX due to them not being placed as lien holder on the title. Prior to this notice I never received a letter, an email, or a message when I log into my online banking portal informing me of any issue with title. Navy informed me that they still had not been placed as lien holder and that it was my responsibility to place them on the title. I have been forced to run through hoops to get this resolved. When I contacted XXXX XXXX they stated that in no time was I ever going to be given the title because it goes from one bank to the other and Navy had not requested it from them. Then I was told by XXXX ( NFCU Supervisor ) that once Navy received the title from XXXX it would then be mailed to me by Navy so that I could go to the XXXX and request for NFCU to be placed as lien holder on the title and that my monthly payment would be readjusted to the original amount that I signed my refinanced contract for. I was also told that if I did make the larger payment, any difference would be adjusted and put towards the principle. When I called today to follow up on the status of the title I was informed they revived it and mailed it to me which I should receive in 2 to 3 days. I then inquired about the XXXX due payment and was asking for confirmation of grace period as well as how soon can they readjust my monthly payment and revert it back to the original amount. I was told that they would not readjust XXXX and I still need to make the larger payment and if I didnt they would take my entire XXXX XXXXXXXX that had been deposited. I explained Im a XXXX veteran and have limited funds and this is putting a huge financial strain on me when they were the ones that messed up. I also explained Thai is not what I was told by XXXX the supervisor which the representative then said that XXXX didnt inform me correctly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
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/creditors below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Navy Federal CR UN, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all 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: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A