Date Received: 2023-01-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: So I keep getting denied by my bank after after notifying them on my credit and the agencies not fixing my credit so my bank monitors my credit it says I have XXXX credit available I sent them my ucc1 statement with security agreement as I am a entitlement holder they said reapply I did denied.you have assisted with the reporting agency this is proof they ignore your complaint haven't fixed late payments which I don't have things on my police report they haven't blocked these reporting agencies are the reason I can't get approved now my bank that denied me again I think this is the 8th application. And get told to reach out to credit reporting agency .I 'm confused don't see any protection. So let me know if you don't help protect So I can get direction cam you ask all credit reporting agency why they show on my credit history I have XXXX percent credit available. But my bank says their descion was based of credit transaction these agency have been delaying on for almost a year. .last time reaching out.you are not helping at all makes me question.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I CALLED NAVY FEDERAL YESTERDAY ON XXXX BECAUSE I WAS TOLD TO REACH BACK OUT TO THE FRAUD/CHARGE OFFS DEPARTMENT WHEN I CALLED OVER THE HOLIDAY WEEKEND. THE REPRESENTATIVE WHO I SPOKE WITH WAS VERY HELPFUL AND I WAS TOLD THAT THE REPRESENTATIVE THAT ORIGINALLY FILED MY DISPUTES, SUBMITTED THEM WRONG AND SHOULD'VE BEEN SUBMITTED AS FRAUD AS THERE WERE FRAUDULENT CHARGES ON MY ACCOUNT. I WAS TOLD THAT I NEEDED TO FILE A NEW FTC REPORT FOR MY IDENTITY THEFT AND FRAUDULENT CHARGES. NAVY FEDERAL CLOSED MY ACCOUNT IN XXXX AFTER REVERSING MY CREDITS WHEN THE CREDITS SHOULDN'T HAVE BEEN REVERSED AS I DID NOT RECIVE ANY PRODUCT OR SERVICES FROM INSTACOINS AFTER XXXX OF XXXX AND DID NOT AUTHORIZE THESE CARGES. PLEASE SEE ATTACHED FILES
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Today, XX/XX/22, I received a credit report alert from my primary banking institution, XXXX. When I opened it up, I saw that I had a delinquent XXXX XXXX XXXX account to the tune of {$21000.00}. I have never opened any account with XXXX XXXX XXXX, so I was immediately alarmed and called XXXX, who connected me with XXXX to report the fraud. XXXX suggested I file a report with the XXXX which is what I am doing here.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98133
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Navy Federal Credit Union is obligated per the XXXX to provide proper accounting. Consumer has disputed the validity of the debt and requested proper documentary evidence of the accounting such as the journal of debits and credits, promissory note, security agreement and disclosures according to billing error procedures in XXXX2 CFR 1026.13. Consumer extended credit card information, per 15 USC 1602 ( l ), and provided a promissory note in the amount of {$79000.00} to cover the obligation in question, per 12 USC 1813 ( l ). Consumer was also charged a daily interest rate, which goes against XXXX. In retaliation for the dispute, they have charged off my account, made numerous threats of repossession and shared my personal information without my consent to third party non-affiliates, thus damaging my character and reputation. My personal information was shared with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX without my consent. Navy Federal Credit Union has XXXX XXXX to provide me the required documentary evidence according to 12 CFR 1026.13. I will be filing form XXXX treasury to audit the consumers account. Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy Federal Credit Union is refusing to RELEASE the {$180.00} ( XXXX XXXX XXXX dollars ) CASH I deposited on XX/XX/22. Cash was deposited, NOT money order or check, so there is NO reason WHY these funds are not made available IMMEDIATELY. I need to pay a bill, and I am being prevented from doing that because Navy Fed is holding my money HOSTAGE. I think that this is THEIR way of discouraging me from banking with them further, and it is a very XXXX policy ( I am XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48371
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have had a checking account at Navy Federal. While traveling to XXXX XXXX and a few times in town in XXXX XXXX, I had fraudulent charges that used my bank debit card. On XXXX XXXX charges made with XXXX for a messed up reservation for XXXX were made and cancelled by both myself and XXXX XXXX however, the bank charged me. Also, this happened at XXXX XXXX so frequently I quit using my debit card. There had been fraud with clergy. They reported a strange name used my identity but no charges were taken and I did not get the report from a year ago. This now is happening again. XXXX XXXX XXXX for {$38.00}. Was charged on my card from a XXXX local gas station but I did not visit that shop. It was not removed. I need forensic accounting to know the real cause of my XXXX year problem with the XXXX banks but presently just Navy Federal Credit Union is involved. My account is on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate. It is a military account with a military widows pension. Also, last year a charge card at XXXX was ran up to {$4500.00} I did not use this card. There were repeating fraudulent debits occurring between XXXX joints accounts that started the electronic crimes in my accounts. The loss is upwards sixty grand now. Can you run forensic accounting on these XXXX small charges and give me the knowledge I need to stop the electronic criminals.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Getting the loan
Subissue:
Consumer Complaint: I applied online for a personal loan with Navy Fed your company discriminated against I sent a letter to Navy Fed and its been over 30 days with no response. Navy federal has discriminated against me by denying me my right to extend credit which is a violation of 15 USC 1691 ( a ) also 15 USC 6801 ( a ) by violating my right to privacy and consent by communicating without my consent my non public personal information to a non affiliated third party TransUnion. Furthermore violating 15 USC 1640 ( a ) ( i ). Proof of violations included in attachment
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Between the month of XX/XX/XXXX and XX/XX/XXXX, my online checking bank account with the Navy Federal Credit Union was accessed by an individual unknown to me and a total of {$15000.00} was transferred to two separate banks - XXXX XXXX XXXX and XXXX XXXX When the initial transfer {$10000.00} occurred, XX/XX/XXXX, I panicked as soon as I received a text notification to my mobile device confirming an external transfer of funds from my checking account. I immediately called Navy Federal within seconds of receiving the text message notification and was transferred to the Fraud Team to file a fraud claim. The compromised checking account was closed. The bank issued a new bank account, walked me through the process of changing all passwords to my email account, bank login access identification and passwords. These were detailed steps that were provided to be by the bank representative, and I inquired if there were other safeguards in place, other security measures that I could take. I was advised that I had covered all available steps and there was nothing else the bank could do to ensure my money was safe. Weeks later, another fraudulent attack was successful on the new issued bank account with updated passwords and user login id and passwords. This time XX/XX/XXXX, {$5000.00} was successfully transferred from my NFCU account to another bank, XXXX XXXX. Note that I had gone to the branch seeking safeguard measures to protect my account ; security mechanisms to prevent this from further occurrence and the bank simply advised me there was nothing else they could do. And it was all my fault that this was happening to me. They issued a provisional claim to cover the amount whilst investigations were still ongoing. I was shocked to log into my checking account 1st week of XX/XX/XXXX, to observe that Navy Federal Credit Union ( NFCU ) had debited my account to the tune of {$15000.00}. NFCU went as far as taking ( transferring funds ) money from my savings account to cover the entire amount of {$15000.00} stating they found no errors in the transactions and deemed me responsible for the fraudulent transfers. I requested for additional information as I had contacted NFCU immediately I received a transfer notification alert to put a hold on the transaction and notify the receiving banks in this case XXXX XXXX XXXX and XXXXXXXX XXXX and the bank representatives that I spoke to failed to do that. They failed to protect my funds. All the advice they had previously communicated to me to protect my account were fully observed and put in place. On XX/XX/XXXX, while researching online to see how best to handle these fraudulent transactions with NFCU, wondering if other NFCU customers were equally experiencing this type of authorized fraud, I came across this news : https : XXXX? XXXX. Last XXXX, internal fraud investigators at the {$150.00} XXXX Navy Federal Credit Union grew suspicious of an employee who was possibly involved in criminal activity on the dark web and reported it to police. Who is to state that my account was not compromised internally by a bank employee working with an external party? The is refusing to share how my money was taken out of my own account. They have provided me with the external account numbers and names that the fund was transferred to. I have contacted XXXX XXXX XXXX, but they can't help me. I am not their customer. I would like the NFCU to be investigated and held liable for this loss. The bank only just implemented an additional security mechanism in at about XXXX XXXX XXXX that recognizes when a customer uses a new device to access an online bank account. The bank system will pose a challenge question that only the customer will be able to respond to. This is something that should have been in place to prevent these unauthorized transactions as the bank could have recognized the unauthorized login attempts as unusual and blockedstopped it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20708
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
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: I constantly check my credit report and noticed that there are false and misleading information on this account that didn't meet credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding Cfpb to enforce correction of these items with late payments removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19122
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NAVY FEDERAL CREDIT UNION Account number : XXXX Balance {$8000.00} Navy Federal has written off the alleged debt of { {$8000.00} } as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site Navy Federal are to File a 1099c for any amount over { {$600.00} } and send the consumer a copy of the filed form. Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. I want this matter investigated immediately. I will not hesitate to reach out to the IRS and XXXX to do an investigation. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A