Date Received: 2023-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im a victim of identity theft my information was leaked on the dark web by XXXX Im in the process of going through arbitration, my information has been compromised and used to establish fraudulent accounts in my name, I want this account with XXXXXXXX XXXX removed from my credit report, or I will seek arbitration to recover damages from this account being open, all my identifying information has been leaked I can provide evidence of that data breach and my information being compromised, example the IRS now considers me a victim of identity theft because someone tried to file a fraudulent tax return in my name try to defraud the government out of thousands of dollars to also show you i filed a police report against XXXX XXXX also because Im identifying information was used to open accounts in my name and a detective guy said numerous accounts were open im just showing you that I am in fact a victim of identity theft .experian please remove these accounts, i have sent a police report showing I am a victim of identity theft, i have now started arbitration against XXXX XXXX and XXXX for compromising my information im sending attachments so you can see I have did my diligence with this situation im also up loading a letter from thf IRS letting me know that I am a victim of identity theft someone tried in XXXX of 2022 to file a fraudulent tax return and tried to defraud the government out of thousands of dollars now I have to use identity theft pin so when I file taxes I have to use that pin so I can identify myself, please remove these accounts XXXX XXXX from my file , Im also showing I have demand for arbitration against XXXX for compromising my information and leaking it on the dark web .my information is on the dark web I can not get that information back and now Im suing XXXX because my information has been used to open and establish fraudulent accounts in my name .please remove XXXX XXXX, XXXX XXXX, navy federal credit union
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
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 called Navy Federal Credit Union several times beginning in XX/XX/XXXX I placed a dispute, and the dispute wasnt ruled in my favor because navy federal said it was too late due to policy. I called Navy Federal again XX/XX/XXXX of XXXX and I called again about the same complaint XX/XX/XXXX and asked to speak to upper management and yet no one comply to reopening the fraud dispute for illegal down payment and the also told them credit card authorization form was not signed by me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60644
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NFCU Account # XXXX is reporting transaction history since the opening of this account and should not be. It is illegal to report transaction history under 15 U.S. Code 1681a - Definitions ; rules of construction. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75211
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I opened my banking app for Navy Federal Credit Union and found I had an extra checking account listed under my name. My husband was in the XXXX from a XXXX XXXX, so I did not call immediately, but did call after he was released on XX/XX/XXXX to report what I thought must have been an error made by an employee at NFCU. I had saw that funds had been transferred into the account and then transferred back out via ACH, totaling {$1300.00}. When I called NFCU to report the added account, I was told two loans had also been applied for in my name, and an external account added as well, a " XXXX '' XXXX XXXX. I filled out the requisite paperwork for the fraud claim involving the two loans as instructed by the NFCU rep and returned it via their secure messaging system. I thought it was over and done with once they closed my checking and savings accounts and opened new ones for me. On XX/XX/XXXX, my precious husband of nearly twenty years passed away - his XXXX simply gave out at XXXX XXXX XXXX. On XX/XX/XXXX, I logged into my account to see my balance and to my utter horror, I was now overdrawn by over XXXX {$1100.00}. There was a debit done on my new checking account entitled " Adjustment '' for {$1300.00}, removing from my account the money that was transferred out from the fraudulent account to the external " XXXX XXXX XXXX XXXX. I called NFCU and was flatly told my claim had been denied. I immediately filed a Security Appeal, I filed an Identity Theft Affidavit with the FTC, froze my credit reports, and filed a police report and sent all that in to NFCU. Today on XX/XX/XXXX I received back notice from Navy Federal that they denied my appeal even. I had nothing to do with this crime, I had no knowledge of it occurring, I did not knowingly give anyone any access whatsoever to my account, debit card information, or online banking credentials, and yet I am being penalized to pay for a crime I did not commit nor had anything to do with it. This is an absolute outrage. I called immediately again and was transferred to a supervisor. He told me that since NFCU was not able to recover the funds from the external " XXXX XXXX XXXX XXXX, that it was too bad so sad essentially. From Navy Federal 's website : " Your case will be assigned to a Fraud Resolution Specialist to determine whether an unauthorized transaction occurred, and to pursue reimbursement for such transactions as appropriate. A Specialist may contact you if additional information is needed for the investigation of your claim ; they dont conduct criminal investigations. The amount in question will be placed in a dispute status. You dont have to pay the disputed amount or finance charges on that amount while its being researched. We may post a provisional credit to your account within 10 days of opening the claim so that you have access to credit pending the outcome of the investigation. This credit is temporary and may be removed if, after conducting a reasonable investigation, the Specialist is unable to validate your claim. If the provisional credit is removed, the charge in question will be re-posted to your account and youll be responsible for repayment. If the charge is found to be unauthorized, the temporary credit will be made permanent. '' located at : https : //nfcucloud.custhelp.com/app/answers/list/st/5/kw/fraud/page/1 Navy Federal NEVER XXXXssued a credit to me, there was never any need for one because the transactions involved a separate account that was fraudulently opened in my name. In fact they failed to inform me prior to removing {$1300.00} from my account that they were even investigating those transfers out of the fraudulent account. I had XXXX knowledge or forewarning. Let that sink in. This can happen to you, too. Money just disappear from your account because Navy Federal decides to make you pay for someone else 's sins with you not even knowing this was even happening. I had just received my Social Security Disability benefit the day before. They took everything that I had left to live on for the month. It has caused me irreparable harm and has returned me mentally to the tailspin that I had just started to extricate myself from after my husband died. For a bank to say yes, we protect you, if you report fraudulent activity in a timely manner you will be made whole, and then turn around and tell a customer - as a security supervisor for NFCU just told me on the phone - that this protection does not extend to this type of transaction, it is just plain wrong. They most simply imply that all transactions are covered. Navy Federal is outright lying to their customers in saying they will be protected. It borders on false advertising. And it has dealt a devastating financial blow to me immediately after already having my entire world collapse around me with the sudden death of the love of my life. I will be relentlessly pursuing every possible remedy up to and including a lawsuit if necessary, and speaking about this to anyone who will listen until the day I join my beloved husband in the grave, or justice is finally served in this case, in memory of him.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor Navy Federal Credit XXXX XXXX XXXX has violated my rights under 15 USC 1681SECTION 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 USC 1666b a creditor may not treat a credit card account under a open end consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75074
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have received a credit card from Navy Federal Credit Union, for {$10000.00} I have been paying my bills every month and pay over my minimum amount. Ive been paying on this credit card for a period of almost XXXX. I just received my monthly statement and my balance was {$8800.00} after XXXX years and u only given me XXXX XXXX dollars, I was about to lose my mind! Wheres my money going to my balance should be lower than this, they informed me they are charging me {$40.00} a day for getting advance cash of the credit card. What Im paying close to {$30000.00} once Im finishing paying for {$100000.00} theyre going crazy and XXXX like to file a suit for mental anguish and stressing. RESPECTFULLY SUBMITTED XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20782
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My late husband ( XXXX XXXX XXXX ) applied for a credit card and according to the company listed me as co-applicant. I did not give permission for this. I do not believe this is true as I did not see my name on the account until XXXX told me he added me as an authorized signer and then I could see it listed on my online account. He was issued a card which only he used and he paid for it from his own account. He passed away XX/XX/2022 and the NFCU informed me that I must have been on the original application and they had me listed as co-applicant. They have no proof this is true but since they say so then I have to pay the account. In Tennessee a spouse is solely responsible for credit accounts opened in their own name so I do not believe I should be responsible for this balance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37067
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is concerning the fraud claim from my account ending in XXXX that happened on XX/XX/2022. Here is more substantiating information backing up my claim. Attached are the pages of the police report that I filed with the XXXX TN police department. The Narrative on page 4 describes the crime that took place. My phone was stolen from me and XXXX and XXXX and ACH wire transfers was used to fraudulantly Electronic Transfer all the money that I had in my student checking account and savings account. without my consent or knowledge. The Consumer Protection Laws for fraudulant Electronic Transfers require the victim to notify the bank within 24 hours which I did via contacting Navy Federal Credit Union on XXXX XXXX XXXX The bank is required by law to replace the money that was fraudulantly transfered. I also fraudulanlty lost money from my XXXX XXXX XXXX account which XXXX XXXX XXXXXXXX has since replaced. Navy Federal Credit Union is responsible to protect consumers from fraudulant Electronic Transfers just as XXXX XXXX XXXXXXXX is responsible to protect consumers from fraudulant Electronic Transfers. I want written explanation of the entire investigation that was performed by Navy Federal Credit Union fraud department that determined there was no fraudulant activity if that is the conclusion XXXX XXXX is making after receiving this additional Police Report information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX is reporting inaccurate, fraudulent inquiries. I have no knowledge of a company I have never had any association with them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2023 my son was playing on my phone while i was sleep and i was unaware that that he applied for a credit card until i woke up the next morning with to a notification of a hard inquiry. Unaware of this suspicious activity i called to report this with the company and was told that it was absolutely nothing then can do because it came from my device. Puzzled and lost of understanding i ask and expressed that it wasnt me who applied for this loan in fact they did not have my consent ( wet ink signature ) to even handle this private credit transaction ( as i am a natural living GOD created MAN I hold all rights to MYSELF, AND PRIVATE PROPERTY IN TRUST ) .FUTHERMORE with a attitude and poor customer service i was told to change my password on my devices and not let my child play on my phone, and they proceeded to to lock my account with out my permission, and being as thought it was the weekend i had to wait til monday to call back to speak to someone else who was nice enough to help me gain access to my account...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A