Date Received: 2023-01-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was scammed by a man asking me for a jump start outside a mall in the XXXX Florida area while on vacation in late XXXXXXXX XXXX XXXX He asked to use my cell phone and while doing so accessed my XXXX wallet to send XXXX dollars to an unknown number. XXXX of this was from my apple wallet itself, and the other XXXX was charged to my Navy Federal Debit card. I immediately called XXXX to claim fraud, and they began an investigation into their part of the money ( the XXXX ) and instructed me to call navy federal to begin a claim regarding the other part of the money ( the XXXX ). I did just that and Navy Federal began their investigation while crediting the money back to me for the time being. A few days later XXXX contacted me telling me they had found the charge to be unauthorized and returned the XXXX to my account. In late XXXX of this year, navy federal contacted me stating they had concluded that no unauthorized transaction occurred and removed they temporary credit from my account. When I contacted them, they refused to give me a reason why my claim was denied.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 233XX
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: for the past several years I have been trying to get my fraud charged off checking acct cleared up and NFCU refuses to follow REG E pertaining to the fraud> also I feel racially profiled as a XXXX woman in her late XXXX. I want my acct reopened and the fraud charges removed from my acct so I continue doing business with NFCU. Also I have since moved
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In accordance with the Fair Credit Reporting ACT this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I was on the phone talking to a friend of mines around XXXX on XX/XX/XXXX about Navy Federal Credit Union 's OOPS account. This account provides you {$500.00} to cover overdrafts. Since I signed up, I seem to keep owing the bank fee after fee, or I can't transfer my funds and when I transferred {$500.00} from my savings account today, the Bank as XXXX transferred the money out of my savings back to my checking account ending in XXXX. I am a XXXX XXXX. I received my XXXX check. Great news! The funds you recently deposited are available now in your account. Here are the details : {$1300.00} was deposited into your EveryDay Checking account ending in XXXX. As of XX/XX/XXXX at XXXX XXXX the available balance is {$1300.00}. I enrolled in an OOPS account with Navy Federal Credit Union. They offer {$500.00} in overdraft protection. I work fulltime for XXXX. But my job is on hold until the govt signs a bill so I needed the {$500.00} to cover an overdraft. I thought this was good since I've been with the bank for a number of years and have always been satisifed with their service. My rent is {$1300.00}. I usually transfer {$1300.00} to be made payable in a certified check directly to my landlord. But I owed the bank {$580.00}. I asked them how come the fees were so high. I get no explanation that makes sense. I wanted to make sure I paid the bank back for the overdraft of {$500.00} plus fees. I transferred {$1300.00} to my second checking account ending in XXXX ( I have another checking account XXXX I need to close but XXXX takes XXXX days to change banks I leave it partially open for deposits. I can't use the account, I can only transfer my XXXX to XXXX ). Suddenly, the bank transfers the XXXX to my Navy Federal credit card account. I called the bank to ask why? They said, I made a mistake. I had {$54.00} left in my checking account ending in XXXX so I transferred that amount to my XXXX checking account and again, the money goes to my credit card account. I go to XXXX XXXX to a XXXX XXXX to pay cash for a pizza store that doesn't used credit cards. I go to ATM to withdraw {$40.00}. It was denied by the bank. I get a receipt. Later the bank sends this message : Account Activity {$43.00} was withdrawn from your EveryDay Checking account ending in XXXX on XX/XX/XXXX. I never received the {$43.00}. The bank said, it was a mistake. That I'll get another notice saying it was declined and to forget about it. Where is my {$43.00} I said. I never got the money out of the ATM machine? Account Activity {$1300.00} was withdrawn from your EveryDay Checking account ending in XXXX. As of XX/XX/XXXX at XXXX XXXX the available balance is {$54.00}. I called the bank. They said, we don't know why that happened, maybe you made a mistake? I explained I transfer funds all the time and I did not make a mistake. Somethings wrong with your algorithim. Now I'm told I must wait XXXX hours before I can transfer {$1300.00} out of my credit card ending in XXXX, back to my XXXX checking account. I didn't know at the time, I had to pay a fee to the credit card account. I didn't know by the time my money was transferred back to my XXXX bank account an overdraft would be charged to my OOPS account. I try to move the money out of the XXXX account but the system won't work. I'm told to wait XXXX hours and then I can access my funds. I did. All this extra time charges hit my account. Finally, I complain the bank took {$500.00} out of my checking account tonight asking me to pay on my OOPS account I've already paid. Another problem. Account Balance Notification Today 's current balance in your Share Savings account ending in XXXX is {$450.00}. Recent transactions may not be reflected. I never had {$450.00} in my savings account on XX/XX/XXXX. I owe {$450.00} to my Navy Federal credit card ending in XXXX. So I pay the minimum until I get back to work. The system is wrong again. XX/XX/XXXX, XXXXXXXX XXXX ( XXXX days ago ) Right now, my credit card nRewards Visa - XXXX is {$450.00} that I owe and on XX/XX/XXXX I'll pay {$15.00} minimum. Too many algorithim mistakes by the Bank? Transferring money, eccessive fees, I can't see the OOPS account because its hidden. I don't know what fees I'm paying until I call. They can't give me a total on all the fees? My account funds keep going down, down, down. I can't believe I'm going through this over this OOPS account. I wish I had never signed up for it. It's a trap. My friends are stuck owing the bank every single month. I have only {$120.00} in my account tonight. I'm afraid to look at my account tomorrow. The oops keep going, the fees keep coming, and the confusion of why is never explained. When I transferred approximate {$1200.00} to my XXXX accounts that paid the bank back leaving me less than {$700.00}. So why are you asking me to pay you again? In the amount of {$420.00}. I don't owe the bank any money. I don't want them sending my money to different accounts. I don't want to close the OOPS account so I can access it for my complaint with several federal agencies. Please look into this. Nobody 's complained but I'm sure I'm not the only XXXX XXXX getting hit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There was fraud done with My XXXX credit card, twice with XXXX different cards same company XXXX XXXX XXXX XXXX XXXX. I have made a claim with Navy Federal but they denied my claim.I didnt make these charges.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29456
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Notice there was a unknown charge on my XXXX XXXX credit card in the amount of {$8000.00}. Make at XXXXXXXX XXXX XXXX, I call Navy Federal credit union to dispute charges and the denied the Claim.I havent been in XXXX Florida to make this purchase.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29456
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had a XXXX XXXX XXXX XXXX my ex filed bankruptcy which included a boat we had financed. She maintained possession of said boat and it got repossessed. The bank auctioned it for XXXX 's on the dollar and then stole XXXX out of my bank account 6 years later stating that they didn't receive full payoff. # 1 - The boat was involved in a bankruptcy # 2 - It was 6 years ago # 3 - How can they just steal my money # 4 - I'm being as civil as possible but that won't last long At the end of the day, I need my money back IMMEDIATELY and I will take whatever action necessary. I'm a XXXX XXXX XXXX XXXX tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This WILL get dicey if I don't get my money back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33781
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Dear CFPB Representative, Let me start by saying Navy Federal Credit Union is a amazing organization with an incredible business model. I've been a member for over for almost a decade now. However, on XX/XX/2022 a " Navy Federal Credit Union '' Call Center representative made an internal error that ultimately, replaced the residential address associated with my ( NFCU ) " XXXX Credit Card '' with another unfamiliar one without my conscent. This undisclosed alteration made to my account caused, my preferred zip code to be replaced with one that I wasn't familiar with ; nor fond of. Because, of this each ecommerce transaction I had made during this time was being registered as " red flags '' e.g. ( Fraudulent activity ), due to the multiple incorrect attempts at entering the correct billing zip code pegged to the credit card i.e. ( XXXX ). In addition, this dilemma also induced other collateral damages which, I've listed below. that was caused by the use and facilitation of all ecommerce transaction 's that were impacted and prohibited by this internal error. -Payments towards purchases weren't processed correctly and denied -A rent payment in the amount of {$1800.00} was denied on XX/XX/2022, which cause a late fee to be attached -A payment of {$59.00} was deemed pending, and due to the extended pending process was paid for twice resulting in a refund on one of the ( 2 ) payments. -Because of what looked like " Fraudulent Activity '' at the time I put an " Account Freeze '' on my Credit Report ( s ) -During this period I had also recently applied for a few lines of credit which because, of this there was a high chance that loan my application ( s ) may have be declined there and then ''. XXXX XXXX XXXX XXXX -A Dispute letter requesting the error ( s ) be redacted, corrected, and removed were issued one to the Major Credit Reporting Bureaus on XX/XX/2022 through Certified Mail. -Also on XX/XX/2022 I recieved a call from a " Fraud Security '' representative from NFCU and was notified there was some " Suspicious '' activity alert that were recently made involving my credit card. I briefly discussed the issue and how I made multiple attempts to pay rent using the XXXX XXXX payment portal on XX/XX/2022, and the payment attempts were consistently denied XX/XX/2022. Which, even further caused late fees that would later be accrued to the my account. Finally, on XX/XX/2022 at XXXX I received a call from a NFCU XXXX Fraud Security '' representative that notified me, there has been some " Suspicious '' activity alert ( s ) that were recently made involving my credit card. After explaining the occurrences I then asked the " Fraud Security representative '' to remove the falsified information e.g. ( address ) from my NFCU account profile. Ultimately, she denied my request then advised I go to a near by NFCU branch with ( 2 ) forms of ID to request for the removal. To expedite the process I went to a nearby NFCU branch right after getting of the call with her. To my dismay, after arriving at the branch with all the necessary forms and documentation once again, they e.g. ( NFCU ) and their staff refused to remove the " unidentified '' address error from accounts profile and even further placed a freeze on the utization of my " XXXX XXXX '' credit card. Now later on that afternoon, I called NFCU and basically explained the whole situation and how that not removing that address, from my profile had already cause more harm the good and the XXXX XXXX season was rapidly approaching and this abrupt freeze would curtail my plans. After, listening to my explanation and taking a second looking ; it was confirmed their representative made an " internal error '' by double-clicking an pasting a XXXX XXXX XXXX XXXX, AL XXXX address into my billing address space which was found to be the catalyst to my woes. Now according " The Fair Credit Reporting Act '' section [ 15usc 1681 e2b ] speaks on how the " Consumer report '' must maintain maximum accuracy ; in other words all values must be correct in their reports. In contrast, in section [ 15usc 1681 n ] speaks on " Civil liability '' and actual damages. See if a furnisher of information or " Consumer reporting agency '' furnishes inaccurate information on your report and you give them notice ; that this information is inaccurate and a request it be removed from your consumer report however, they refuse ; even after a consecutive notice is brandished that's considered " Willful Non-compliance ''. Nonetheless, if you as the consumer are damaged under the guideline of " Willful non-compliance '' e.g. ( Denied a bank loan or other financial gain ) the consumer is now owed because, of " Actual damages '' leaving the " Consumer reporting agency or furnisher '' liable. Now during the month of XXXX I applied for a credit limit increase for this same " XXXX XXXX '' credit card in the amount of XXXX and was only awarded XXXX. In other words based on the admittance of a internal error on NFCUs part, " The Fair Credit Reporting Act '' section ( s ) [ 15usc 1681 e2b ] and [ 15usc 1681 n ] says due to the distress, anxiety, and unfortunate series of events that took place based on NFCU " NAVY FEDERAL CREDIT UNIONs '' ) behalf. I'm to be compensated for the late fees, transaction fees, and missed opportunities at seizing loans and credit that I'd applied for. So to mend all wrong doings I'm seeking the additional credit increase funds or offerings that weren't fully entailed in my credit increase approval which, was missing an additional $ XXXX. Primarily, because according to XXXX if, my address has erroneous or inaccurately stated information in it's entirety. I can be denied or disapproved of a loan or line of credit and perhaps was. Additionally, this increase will fully cover the late fee ( s ), transaction fee ( s ), and tarnishing of " On-time payment history '' this unfortunate ordeal has caused following the address error. My kindest regards, XXXX XXXX XXXX, XXXX Phone : XXXX Email : XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I'am a member of Navy Federal Credit Union , I have an account with them for some time now, I completed all of banking with them. not to long ago I had NFCU dispute some fraudulent charges on my account in which they did investigate and give me my funds back, once the funds were in my account, I spent the money. After a few weeks, NFCU took the money back and this put my account in the negative {$8000.00} +., XXXX of my direct deposit checks were also deposited during this time and this deficit took my check. this severely impacted my livelihood and forced me to go into debt with numerous other companies. Navy Federal has since charged this debt off, are still asking me to pay them back. IRS identifies a charge off as income, Navy federal has yet to provide me with a XXXX, Navy Federal are conducting illegal acts with my account and have infringed on my rights.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Getting a line of credit
Subissue:
Consumer Complaint: On XX/XX/2023, I applied for a $ XXXX loan with Navy Federal Credit Union to help pay off some debt. I submitted my application and was denied based on information in my consumer report. Well, I appealed their decision and was yet again denied based on information in my consumer report. I have been discriminated against based on bias information in my consumer report which is against the law. I, the consumer a natural person, was denied credit by NFCU when I applied for a $ XXXX loan on XX/XX/2023 Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691C and is pursuant to civil liability under 15 U.S.C. 1692k. You can not deny me based on information in the credit profile as that is discrimination which is prohibited and a violation. You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I was discriminated against by NFCU. NFCU is in violation of 15 U.S.C 1642, U.S.C. 1681m, and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. You are in further violation because my social security number ( credit card 15 USC 1602 ( L ) ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of NFCU. If NFCU fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make NFCU criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for all violations ( { {$1000.00} } per violation ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A