Date Received: 2023-02-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy Federal has been continuously debiting excessive fees from my account. Before making a large deposit I spoke to XXXX different departments to set up payment arrangements for any fees that were charged to an account that was closed by them for being overdrawn from the fees I was charged. I ask that someone review my bank account for XXXX, XXXX, XXXX and XXXX. Navy Federal has taken more than XXXX dollars in the past XXXX months from all my accounts without a valid explanation. They recently settled a class action lawsuit for charging customers excessive fees and it's clear they are still performing such unethical acts still. Please review all the calls that were placed to customer service. I feel so helpless as a consumer. Navy Federal is taking advantage of veterans and their families.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I disputed an unauthorized charged through customer service and explained that I didn't make purchase nor did I receive the product. My bank gave me a temporary credit but took it back causing my account to overdraft. I spoke with the bank regarding their decision but the representative was very rude to me and didn't want to help. Can someone please help me. Thanks
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
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 made a purchase through alibaba on XX/XX/XXXX. I have never received the products. This was for XXXX. I tried to resolve with the business but they kept sending me empty boxes and then showing that I received my products. I did not. I provided emails to navy federal where they admit they never sent the products and also where they threaten to kill me if I dispute the charges. Navy federal found in the favor of the company. I do not understand this. How can this be? Dont they have an obligation against fraud on my credit card?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Shortly after leaving XXXX XXXX XXXX XXXX I was visiting family late in the month of XX/XX/2022. I received a notification from Navy Federal Credit Union ( NFCU ) stating that XXXX dollars had been withdrawn from my checking account. I knew that I had no automatic payments scheduled, especially not for that amount. I called my wife and all family members to make sure it wasn't a mistake on their part. I then called NFCU immediately to report the fraud. They launched an investigation and within 4-5 days, I received a XXXX dollar stand in credit while they tried to find my money. After not receiving a phone call for days after, I called them to ask about the process. They stated that the investigation was inconclusive and was still open. My parents and I all changed our user names and passwords on email, bank accounts and other accounts to add a layer of protection while we figured this out. Later that year, around XX/XX/2022, I received yet another notification that XXXX dollars was withdrawn from my account. This means that the XXXX dollar credit that was issued to me by the bank was now gone. Making the total loss XXXX dollars from the account. XXXX dollars from my own money and XXXX dollars from the banks credit. I immediately called the NFCU fraud department to report the theft and they launched yet another investigation. However, they never reinstated any type of stand in credit for my account. At this time, I verified that the investigation from XXXX was still ongoing. I notified my parents as they were joint owners on the account for emergency reasons. They saw the ACH transfer on their computer as well and saw that the XXXX dollars was wired to 3 separate accounts with false names. After coordinating with the bank for hours, we reached no solution. Days later in XX/XX/2022, I received a letter in the mail from NFCU claiming that they had concluded all investigations and had found myself and my parents to be at fault. They claimed to have found no fraud on their end and claimed that it was my mother 's home computer that performed the transaction. This is immediately suspicious for several reasons : - When sending the letter, they did not include any form of evidence, proof, images, contacts or assets used in the investigation. It was simply a claim that I owe the bank XXXX dollars and that was it. How can you find someone guilty of a crime with no evidence? - Earlier in the month of XX/XX/2022, NFCU had a major crime bust WITHIN THEIR OWN SECURITY DEPARTMENT where multiple NFCU security personnel used screenshots of member 's SSN, bank statements and all other personal information to steal tens of thousands of dollars. There are multiple articles written about it. They used the same tactic to steal back then as well. They would wire transfer the money and then close the account. - We all know that bank fraud is a very serious offence and is met with swift legal action. Especially when the sum of the fraud is XXXX dollars. So that begs the question ; If my parents and I were ALLEGEDLY found guilty of this fraud, why haven't any law enforcement personnel contacted us or arrested us? Why hasn't the bank pressed any charges? Why haven't they contacted me to get the money? - Furthermore, my parents have worked very hard throughout life to build their business and as a result, make over XXXX XXXX a year. They have many assets at their disposal, a very nice house and additional funds for vacations, new cars, etc ... WHY would they possibly need to steal a measly XXXX dollars from my account? What would be their motive? It should be noted that they have had access to my account for years. Why would they steal it now? Thats the answer : they wouldn't. They haven't hit any financial hardship. It simply makes no sense. - Both my parents and I have called NFCU to dispute the claims on several occasions. Each and every time we demanded to see proof of their findings, they would deny any information regarding an account that I OWN and would demand a subpoena to get any information from them. So they claim we have to pay them XXXX dollars with NO evidence, NO proof, and NO justification. They are forcing my hand to find an attorney to reclaim what was stolen from me. I believe without a shadow of a doubt that this case is the result of INTERNAL BANK FRAUD. That is precisely why they haven't sent any proof or evidence of their findings. ANY one of their security personnel has immediate access to my banking information with the click of a mouse. This would explain how they were able to access my mother 's credentials, create external accounts, add them to my account without notifying me, transfer the money and close them out in just over an hour. NFCU needs to be investigated immediately. Since these events have taken place, I have secured the rest of my funds in a separate financial institution out of fear that they will steal more of my money. NFCU has forcefully deducted an additional XXXX dollars from my checking account resulting in a negative balance. This is all due to their claim that I owe them XXXX dollars. NO evidence has been provided ; therefore, NO money will be going to them. I can provide the letter I received and bank statements if needed. Please reach out to me for any questions, clarification or concerns.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 50023
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was requesting a chargeback for a {$200.00} unauthorized fraud transaction on XX/XX/23 but the bank said since its XXXX they cant help me that I would have to go through the XXXX app but because i am a navy federal member i can not use the XXXX app.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was contacted on XX/XX/23, by someone posing as a team member for a research company called XXXX. They offered me a remote position for the company and I accepted what I thought was a job as a health and wellness coach for their clients with rare diseases. This 'company ' sent me a job offer letter as well as several other documents and requests with the companies letterhead ( I have them all saved ). A check was sent to me via XXXXXXXX XXXX, for over {$16000.00}. I was also instructed to purchase an XXXX and XXXX to secure as business lines. I need help, the bank is now taking the money from me, saying the check ( that took 3 business days to clear ) bounced and I am responsible for the fraudulent check amount. I do not have {$16000.00} to pay back the bank, nor the {$4000.00} to pay XXXX back for the XXXX and XXXX I sent out to the 'company ' as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22701
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a cashier 's check from Navy Federal Credit Union on XX/XX/23 in the amount of {$28000.00} for goods and services of mine from an individual. I reached out to NFCU to confirm the validity of the check the next day to confirm the funds were good. I spoke with one of their representatives at XXXX and they confirmed with me the check serial number, the date of the check, the amount and that the funds were good. As such, I proceeded with the transaction and deposited the funded into my personal bank, XXXX XXXX. Two days later, XXXX/XXXX/23, I receive a notice from XXXX that my deposited funds were being withdraws due to the fact that they couldn't locate the origination of the check. I called NFCU back to once again on XXXX/XXXX/23 at XXXX to confirm the validity of the check. This time the person I spoke with confirmed that they serial number was one of theirs, but that the amount and date were incorrect and therefore the funds weren't available. I was transferred to a supervisor who was able to pull up the recording of my original call. They simply said that the representative made a 'human error ' and they would take it up internally with their supervisor.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: in re : XXXX XXXX checking account... ending in -- XXXX navy ffederal credit union is constantly blocking my account while using the debit card while outside of the US. i realized they doing this from time to time so i can not see my transactions and the actual amount charged by a merchant or etc. the navy federal credit union is constantly attempting to confuse the military community by overcharging for international transaction fees. it stated on the contract of the debit card use that there would only be a 1 % fee. but i am seeing well over 3.5 % -- 4 % to nearly over 5 % in foregin transaction fees. the navy federal is not only adding this 3 to 5 percent fee on the charge itself and adding another 1 % on top of that. they are making members calling back to US with expensive telephone calls. all the while blocking their transactioin history. its very odd -- the card is NOT blocked but you can not the who or what the merchants are charging you -- the customer.! they have refused to send notification via email for transaction charge verification. since email is my preferred point of communications if my phone service is NOT available while living outside of the US. after my first encounter with in XXXX... the bank did set the rate to normal rate... but after i could no longer see my transaction history because navy federal blocked my account for no reasons the foreign transaction fees was again changed back to the deceptive fraudulant significantly higher foreign transaction fees by manipulating the mid market rate. i have attached especially a transaction example from XX/XX/XXXX in which a XXXXXXXX XXXX charge was significantly off from other times after they blocked my account! they have literally blocked my account transaction history!!! i can not verify my transaction history which is extemely concerning and deceptive the so called customer service is extremely poor... .and very lowely motivated customer service at times -- -this is also very concerning! i have not been able to access my account charge verification since over 1 week now as of today- XXXX XXXX XXXX no email communication has been even attempted by navy federal union. !!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 was when my vehicle was broken into and my work items were stolen such as my business phone, I kno I can take the blame for not having a passcode on there but I did have all my bank information in my notes my SSN and etc .. i have proof of the truck the type of phone it was and everything my bank hasnt personally reached out to me with a call or anything dealing with my account so I didnt think nothing of it. I have my own trucking business and have a business bank account with Navy Federal Credit union .. so when I finally get back home after working a week I had mailed waiting on me saying different things about my account suspicious activity? Mobile deposit? knowing it wasnt me I called navy federal as quick as possible and told them everything they immediately told me it might not be anything they can do and I might be responsible to pay back the funds.. I ask them what funds the person that had my log in information mobile deposited a XXXX business check in my business account Im like thats impossible! I havent even worked that much with my business to even pay half of that! I applied for a loan to get everything up and and running and that incident got my account closed my loan closed I still have credit cards I have to pay on navy federal not even trying to investigate not even trying to work with me like I did this problem THIS IS FRAUD THIS WASNT ME I deserve to have another account I never been apart of any fraud I had this account for some years they said they was going to get bk with me but I havent heard anything yet! If I can get another account back open I can at least try to pay something on it but I desperately need my account back I can not lose this privilege payment plans or something
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX Cash advances were taken off of my navy federal credit card and sent via XXXX in the app to someone I do not know. This occurred in 2021. I have filed fraud and that claim was denied, I appealed twice and it was also denied stating they could not prove it wasnt me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28546
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A