Date Received: 2023-01-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 my husband and I deposited a check from XXXXXXXX XXXX from the proceeds of the sale of a vehicle for {$20000.00}. I received a receipt from the bank stating that the funds would be available on XX/XX/2023 and the member service representative who deposited the check said the funds would be available on Monday XXXX requested an online transfer from my business account at XXXX XXXX for {$7500.00} to be processed today XX/XX/2023. I checked my XXXX XXXX account on XX/XX/2023 and the bank online balance showed the {$17000.00} was available for withdrawal. I requested the transfer from XXXX XXXX which is pending based on this information. I logged into my account this morning XX/XX/2023 with Navy federal and now the funds are not available. They placed an additional hold on the funds and removed availability. I was never told by the member service representative that there could be an additional hold, and nothing was printed on my receipt to tell me otherwise. This is extremely misleading to a consumer and business owner. There needs to be another way to notify members that there will be or could be a hold placed on items just based on what someone feels for that day. There should have been something printed on my receipt that says there could be an additional hold placed on the item. Also showing the funds were available and then removing it from my account is very concerning to me that they can just do this without any recourse.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78212
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a current XXXX at XXXX XXXX XXXX ( XXXX XXXX Texas ). I received an Email through my school. All emails through the school are typically approved and this one did not have any flags regarding spam messaging. The email was inquiring about a part time position as a personal assistant. Seemed weird but i was able to look up the company and the gentleman. the emailed had me fill out a XXXX docs form with my personal email address, my school email address, and my phone number. XXXX XXXX with XXXX XXXX ( XXXX ). The business seemed legit and i had no reason not to trust them since the school also approved it and the business and name were easily found on XXXX ( first to pop up after search ). I received the first message regarding this job on XX/XX/2023. A " XXXX XXXX XXXX '' Texted me using the number ( XXXX ) XXXX. He simply asked if I would like more information and that was it. ( i have the text messages saved ). On Thursday XX/XX/2023, XXXX XXXX me using the number ( XXXX ) XXXX. I again have all text messages saved. He then emailed me under the name XXXX XXXX using the email address " XXXX ''. The email listed " job duties '' and asked for some personal information such as my address and my number. As well as asking what bank i used ( i did not give out any routing numbers or account numbers ). After he emailed me he asked if i was ready to start, i said sure. He proceeded to send me a check via text message in the amount of {$950.00} ( USD of course ). This check was from XXXX, check number XXXX, From XXXX XXXX XXXX, XXXX ( address on check is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CO XXXX ) with the number at the bottom being XXXX. I wasn't concerned as i have never seen this before but the check was as legit as it could be. HE asked me to deposit it and so i did. After waiting he wanted me to XXXX {$220.00} to a " $ XXXXXXXX ( XXXX XXXX ) in the name of " XXXX XXXX ''. After that failed to go through on Saturday XX/XX/2023. He asked me to XXXX it through my bank account. I mentioned i was uncomfortable with it and asked if i could just return the money he sent me to him and part ways. I callled navy federal Friday XX/XX/2023 at approx. XXXX XXXX after i got off work and asked for them to cancel the check and not deposit it, they denied my request and told me " check you account and only call if something bad happens ''. something bad indeed happened. He told me there was no reason to be worried as " is 100 % legit and it was approved by the school. '' so i went ahead and did as he asked since he wouldn't accept his money to be returned. I made XXXX XXXX transactions with his money. The first was a transaction of {$220.00} to " XXXX XXXX '' ( XXXX, Payment ID : XXXX, Confirmation number : XXXX ). The second was a transaction of {$670.00} to XXXX XXXX ( XXXX, payment ID : XXXX, Confirmation Number : XXXX ). These were both separately approved respectively by Navy federal credit union the same day. This totaled to {$900.00} USD, leaving {$50.00} left over from the original {$950.00} that was sent to me. He asked me to keep it as my payment for completing the tasks. I left it in my savings account and did not touch it. I woke up today ( XX/XX/2023 ) to see that my account was - {$910.00}. I immediately called the bank and asked what happened, i explained the situation however all they told me was they waived a {$15.00} dollar fee for the check return as the check i was sent bounced and {$950.00} was taken out of my account plus the {$15.00} return fee i was charged ( which was returned to me ). the bank said i was screwed and could do nothing for me even though i warned them about this on friday when i called asking to cancel the check deposit and they denied me that as well. So i was no protected by my bank after i was concerned and asked to cancel the deposit and then the bank could not help me other than waiving the fee they charged me when the {$950.00} got taken out ( a total of {$970.00} including the fee ). the bank told me to call XXXX and simply ask for my money back. I then called the number of " XXXX '' and he has me blocked so i could not reach him. I then called the bank again after they told me to if he was not reachable. The bank told me to file a police report so i called the XXXX XXXX Police Station and informed them of the situation. I was directed to file an online report with the FBI. I did email the president of XXXX XXXX XXXX XXXX XXXX. I summarized the situation and requested his help and an answer as to why this was approved by the school. I filed a fraud complaint with XXXX at XXXX through the university website ( key number for file is XXXX ). I am about to call the schools police department and expend my last options possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a complaint regarding a dispute from the company XXXX and navy federal has not refunded my money nor have they given me a temporary credit. I return the item to the company and provided navy federal with a tracking number. They verified the item was returned I want my money returned to my bank account immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Navy Federal Credit Union ( NFCU ) NFCU could not track deposits because the bank lump all desposits on same day into one full amount and NFCU tellers had problems locating deposite amounts had taken 3 days and management to get involved. Also, moved money out of pending then place it back in account to clear another item. I never heard of any financial institution moving money in and out of pending just to place it back as not clear. If I could rate no star I would.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This letter is strictly about the inaccuracy that is inequitably furnished by your organization on my Consumer report. I came to discover this inaccuracy reported as of XXXX. Due to the inaccuracy reported, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused my right to exercise credit/consumer law. No one consulted with me when it came to these contracts or credit reports reporting false/miscellaneous information that I didnt approve of.. Theres no proof that I owe anything, at all. I was denied of 3 ( three ) credit cards plus a house, in which I have a whole family I take care of and support, that is my duty and responsibility in doing so. Being denied of my credit practices and consumer law is completely illegal and is interfering with my allowance of taking care of my loved ones. Theres no such law that states anything that needs to be reported to a consumer reporting agency, therefore your organization is completely liable. Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ), consumer reporting agencies must exercise their grave duties and responsibilities with fairness, Impartiality, and a respect to/towards/for the consumers right to privacy. Show me any of these to prove that the information on my credit report and what is I mistakenly owe is even accurate : -A contract -Full accounting, that is on ledger and off XXXX XXXX written statement with 2 witnesses and notary Otherwise, I make the contracts, as Im the Original Creditor.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85281
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/2023 {$1100.00} informed them for the transaction that I did not authorize which I filed a fraud claim and the denied it I have been a victim of identifty theft due to the rent issues and flooding issues in California I have been moving from one place to another and losing vaulabble The denied the claim say it was not an error it was people all type of way to take people information
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was banking with navy federal credit union several years ago somebody actually got access to my checking account put multiple fraudulent checks and I wan na be resolved yet ugly because my raise the discriminating
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
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: This navy federal acct XXXX is over charged {$8000.00} and charged off account. I did not authorize any transactions since XX/XX/2022. I tried contacting the bank to get these charges disputed but did not get any assistance since the card is charged off I need this charges to be investigated for fraudulent purchases and disputed. I do not own this debt I did not authorize any charges on this account after XX/XX/2022. I need this account removed from my credit file immediately. And the late payments along with the charges. They have not validated the alleged debts were charged by me I have sent Navy Federal a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. Navy Federal is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my XXXX given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a 1099-c to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors isee you are disregarding it so heres my breakdown. 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. 2. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. .. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. NAVY FEDERAL CR UNION Your improper procedures are highly damaging to my credit score. Please immediately delete this item. VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liabilityunder this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. * Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : ( Pennsylvania State ) Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : ( Pennsylvania State ) Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check using mobile deposit. The screen confirmation told me that there would be a 2 day hold on my funds. I then received a subsequent e-mail stating that my funds would be held for five days. This additional hold has caused me not to be able to purchase food for myself or my family. I called Navy Federal and they stated nothing could be done because their security team does not work on Saturdays.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A