Date Received: 2023-02-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # xxxx xxxx xxxx XXXX, xxxx xxxx xxxx 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
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XXXX XXXX received email from Navy Federal Credit Union that an account was opened and that I would be receiving my debit card. XXXX XXXX received email from Navy Federal Ctedit XXXX XXXX my new account. XXXX XXXX. Called Navy Federal Credit Union and reported fraud. They processed my claim and will investigate. XX/XX/XXXXXXXX XXXX XXXX XXXX Reporting fraud on the Federal Trade Commission website
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 784XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: An account with Navy Federal Credit Union was fraudulently opened with my information in XX/XX/2020. I discovered this account my checking my credit report through XXXX. I've made multiple attempts at disputing this account and haven't gotten a resolution. This account is negatively affecting my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2018, I traveled out to the country. Due to certain circumstances, I was there for about 2 years. I came back all of my credit cards were maxed out and loans were taken out in my name. Two incidents involved navy fed. Navy Federal loan {$7400.00} Navy federal credit card {$11000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My phone pickpocketed at a bar/disco on XXXX. They were able to unlock my phone & send money via texts, totaling {$5400.00}! I didn't realize anything until my XXXX Watch notified me that I had left my phone behind. I asked my friends for help & began searching. It was eventually found on the bar with my wallet ( attached to the case ) so I assumed all was ok. The next morning, I notice on my laptop texts to numbers I don't recognize. I look & see that they are payments and get concerned. I look at my phone but all these questionable texts are deleted. Then I notice my NFCU & other banking apps are also deleted. I immediately call my bank, start changing my passwords, cancel my debit card ( was in my wallet ), etc. I had just gotten paid & my auto drafts ( mortgage/bills ) hadn't completed yet. Because of that they were able to take a large sum from my checking account and once that was drained, the {$1500.00} overdraft protection I have in place was maxed. Then my savings kicked in to cover the funds being sent out. My bank makes it sound like everything would be ok & place a provisional credit to my accounts for the total amount taken. A month goes by & my bank immediately pulled out the {$5400.00} ( again ). I call to ask what happened & they say the incident occurred on a 'recognized devise ' so they are not covering the fraud. I appeal explaining the situation again, providing screenshots of the texts, watch notification, police report, ect. Then yesterday I call for an update ( because they've NEVER provided any ) & was told that they again will not cover it because the transactions were approved. They clarified that by saying that the system had send texts confirming Yes/No and " I '' replied yes. BUT since my phone was not in my possession then, that wasn't me. Why would I make multiple, rapid, large late night ( XXXX ) purchases? To numbers not saved in my phone? Totaling {$5400.00}? That totally drained my Checking/Savings accounts & maxed my overdraft? Clearly that wasn't me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
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: XX/XX/XXXX, I XXXX XXXX XXXX open a XXXX-credit card with Navy Federal Credit Union . Fast forward to XX/XX/XXXX I was dealing with hardship, so I reached out to Navy Federal Credit Union, and they decided to give me 2 months payment free to catch up on my payments. In the two months I lost my credit card, and I didn't know due to me not using it because it was maxed out. Two months later I go online to naveyfed.com to start making payments again but my account was locked. I called them to let them ask why my account is locked, they stated that I spent {$24000.00} over my spending limit. I stated to them How is that possible!!! 1. My account was locked due to hardship and maxed to spending limit. 2. how did you guys allow the thief to spend {$24000.00} over my limit 3. Why didn't the fraud department catch the transaction while they were taking place?
Company Response:
State: MD
Zip: 20723
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This is related to complaint XXXX for XXXX. NFCU has not been able so far to send anything proveing I ever agreed to be a co-applicant or co-owner of a credit card my husband opened in 2011. They are now withdrawing funds from my seperate savings account to make minimum payments because they say the agreement they can not prove allows them to do that and they will continue to take the money out of my account monthly. They further will not return the payment they took without any authorization unless I sign an agreement to be responsible for the balance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37067
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I went to the drive through atm at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XXXX between XXXX and put cash into the ATM i didnt count exact how much i put in, it was around {$900.00} the atm jammed then spit cash back out and said it couldn't take it. I took all of the cash that it spit back out. And then it said it kept the rest of my money because I did not take it within the timeframe and to contact my financial institution. ( I assume it was jammed as no more money came out ) I couldn't it and I only got around {$400.00} back so the rest of my cash was in the atm. I contacted XXXX XXXX they said to file a claim with navy Fed regarding this and I was issued a credit for $ XXXX navy Fed while they said they would look into the claim and said they would get the exact amount that was deposited as I wasn't sure of the exact amount that I put in the ATM or the exact amount that was not given back to me. Which is why I was expecting for Navy Federal to reach out to XXXX XXXX to find out the exact amount and get that ATM transaction because I did not receive a receipt. 2 days ago navy Fed revered the credit and said I benefited from the transaction .... they didn't reach out to XXXX XXXX to see the atm transaction that happened or even to get the exact amount that was put into the machine which I knoww is available. I reached back out to navy Fed 2 days ago and they got back to me today XX/XX/16 saying the same thing the claim is considered " resolved '' which it isnt as they never got the exact amount and I'm missing my money.. I need this money I'm a single mom and how can an atm just take my money and the bank doesn't even take the time to help their customers im not trying to scam anyone. I was recorded I'm sure at the ATM when I was there. Please help me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91945
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
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: ON XX/XX/2021 I LEARNED OF A {$6700.00} CASH ADVANCE ON MY CREDIT CARD. I DID NOT DO THIS TRANSACTION BUT WAS TOLD AFTER THE INVESTIGATION I WAS RESPONSIBLE. SEE ATTACHED NAVY FEDERAL CREDIT UINON STATEMENT ... I QUESTIONED? WHY IS TRANSACTION DATE AND POSTED DATE DIFFERENT? NO EXPLANATION... WHY IS ONE OF REFERENCE NUMBERS ALL XXXX? NO EXPLANATION. PLEASE HELP ME. I AM DESPERATE. THANK YOU IN ADVANCE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/2023 RE : Social Security Number : SS # : XXXX NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX, XXXX XXXX AFFIDAVIT OF FACT I, XXXX XXXX solemnly declare and affirm under the penalty of perjury that the following statements are true and correct to the best of my knowledge and belief : I recently received a copy of my XXXX XXXXXXXX XXXX XXXXXXXX credit report, and I noticed some late payments posted on my credit report : XXXXNavy federal XXXXXXXXNavy federal XXXXNavy federal XXXXNavy federal Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments and delete the accounts from my consumer report. This agency is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above-referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX account Navy federal XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A