Date Received: 2023-01-12
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: have been trying to close account forXXXX dollars and some change as per there web site able to c lose by web but cant log into accont they XXXX it and im not able to drive or have no way to go to branch i have sent letters and faxes demanding account closed and check mailed to me but all have went unanswered
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38002
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23 notice suspicious activity in my account investigated made a ftc report victim of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, XXXX phone calls were made to Navy Federal Credit Union at around XXXX XXXX to question why money/funds were not returned back to Savings Account by Navy Federal Credit Union as required with a service offered by them known as XXXX XXXX XXXX XXXXXXXX XXXX XXXX transaction date of XXXX XXXX. An amount of {$8.00} was transferred from XXXX Account XXXX XXXX XXXX Account on XX/XX/XXXX. The amount transferred was the XXXX payment towards the XXXX XXXX Account. Initially, the XXXX customer representative spoken to acknowledged that there was an amount of {$8.00} which was transferred and paid towards the XXXX XXXX Account, and that the reason why it was not released or returned to me is because the transaction was identified and categorized as a different type of transaction. I was placed on hold so that she would resolve the matter, but the phone call was disrupted by a concluding automated survey. An attempt to reach out to Navy Federal Credit Union again was made on same date of XX/XX/XXXX at around XXXX XXXX and spoke to a XXXX customer representative. The XXXX customer representative claims that due to having numerous transactions on account, she assumed it would be difficult to see the release of the funds. There is no proof that there was a release of funds or return of funds and a request was made to the second customer representative to provide such proof because there should be for documentation purposes to have proof that there was an equal exchange between lender and borrow. The second customer representative dishonored the request. Therefore a request to speak to the supervisor was made. The second customer representative on the same phone call transferred the concern and subject matter of this complaint to the supervisor as requested. It was explained to the supervisor the concern of the funds not reflecting on the savings account after payment towards the XXXX loan. The supervisor claims the money has been released and it may not be able to be seen due to the " high amount '' of transactions within that time frame. This information is conflicting due to the fact there is no proof that there was an increase in the savings account balance where Navy Federal Credit Union was to return the funds owed. A request for confirmation of the funds that certifies that the funds were returned or released was made and the supervisor dishonored and refused request. The supervisor unprofessionally goes on to threaten the consumer that she will be hanging up the phone due to her inability to fulfill her fiduciary role as XXXX for the Consumers account, which includes providing proof or confirmation of funds ever being released/returned to the consumer as obligated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 18301
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: Navy Federal Credit Union 2 hard inquiries for an auto loan that I never consent too
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX at approximately XXXX XXXX XXXX Standard Time, I called Navy Federal Credit Union to make a credit card payment, as I had done so many times during the past XXXX years. I also called to request assistance with online technical support. I spoke with customer service supervisor XXXX and I explained to her in detail that I needed to make a credit card payment on XX/XX/XXXX because it was due on that date. I also explained to XXXX that I needed to speak with a representative in online technical support, because I had recently reset my online password on the XXXX website XXXX XXXX XXXXXXXX and when I was prompted to sign in I got an error message stating that I had exceeded the maximum number of sign-in attempts and I needed to reset my password. I repeatedly explained to XXXX that that was a mistake on the websites part, because I had tried to log in only one time. To my surprise and disappointment, XXXX refused to help me with my credit card payment and she did not allow me to speak with anybody in online technical support. She told me I was not the person I said I was and in order for me to have access to my account I was required to submit a signed written request with a copy of my identification card, plus two recent bills or statements with my full name and address on them, and send them through US postal service to XXXX main office.. I told her I didnt understand, I called many times before to conduct this and other types of transactions and I had not encountered any issues to access my accounts. I told her I had many accounts with Navy Federal Credit Union and most importantly, I needed to make a credit card payment that same day. Instead XXXX hung up the phone on me. I was in distress because I was worried about not making my credit card payment on the due date. XXXX very responsible with my financial matters, I have a good credit history and a high XXXX XXXX and I want to maintain it that way. Furthermore, I suffer from anxiety and XXXX and the incident with XXXX couldve had worse consequences for me. While I certainly understand and appreciate Navys effort to protect my information, I dont understand why XXXX XXXX arrived to the conclusion that I was not the person I said I was. She did not use any type of recourse, such as reaching out to senior management for assistance or advice, to further determine if I was the person I said I was. XXXX could have contacted me by phone, email or XXXX mail regarding this matter, yet as of XX/XX/XXXX they have failed to do so. This should be a learning curve for Navy Federal Credit Union, to help them better handle these incidents and develop more efficient ways of determining the identity and legitimacy of their members. To prevent future mistreatment of any other member.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90020
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Credit company obtained my credit report without my authorization
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/22 a certified notice was sent to Navy Federal Credit Union in reference of a billing error. Navy Federal Credit Union failed to clarify the billing error, but instead used aggravated identity theft with extortionate means for the collection of an extension of credit. Please see attachment
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I never agreed to this company reporting on my credit profile. Under 15 usc 1681b It's my right to opt out.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31906
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the Navy Federal Credit Union XXXX XXXX credit card responding to a promotion that I had received in the mail which featured a {$200.00} cash back bonus when you spend {$2000.00} in the first 90 days. On XX/XX/XXXX over the phone with XXXX of their agents, I made this application. After joining the union and answering all questions I was congratulated on being approved for the card with a $ 500 monthly credit limit. I questioned how I could achieve the bonus with that low of a limit and was told that I would have to request an increase. On XX/XX/XXXX I made that written email request as directed and was denied. I was told that increases are typically given after 3 months. On XX/XX/XXXX I then called Navy Federal and asked for a supervisor in that department. I did get a supervisor but was told that that particular department does not take direct calls. It was explained to me that it is " customary '' to give out initial {$500.00} limits. Again questioning the possibility of gaining the bonus, the agent agreed it would be very difficult but said it could be done by making many small purchases and paying them off as soon as they post. That is ridiculous as nobody works their credit card like that! I suggest that Navy Federal is running promotions with little or no chance to achieve the bonus in hopes of gaining additional customers to more lucrative parts of their business. I believe that this should be stopped. I did immediately terminate my membership with the credit union and cancel my credit card.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 49426
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. NAVY FCU : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A