Date Received: 2023-01-05
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 submit a dispute with navy federal I was charged {$290.00} with XXXX XXXX item was returned successfully back in XXXX provided all documents to navy showing the return the individual that signed for package exc its been 3 months now and navy federal has yet helped me in getting my refund and has not provided me with any valid explanation on why
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX I had deal in place to buy a XXXX XXXX XXXX XXXX XXXX XXXX with XXXX miles. From XXXX XXXX. I was told that XXXX owed money on the vehicle in order to get the title. I deposited ( 2 ) checks 1- {$5000.00} on XX/XX/XXXX and a XXXX on XX/XX/XXXX for {$20000.00} with the balance due upon receipt of vehicle and title. 1 month goes by and the seller disappears. A call was placed to XXXX XXXX to report fraud on XX/XX/XXXX to the fraud department. I was told by the NFCU representative that they can see the transactions and there was nothing they could do since I did not have the account holders real name. I asked does this not count as fraud? The rep continued on saying there is nothing she could do. There was no fraud investigation started by the bank or a freeze placed on the account. Navy Federal Credit Union failed to protect me as a member against money laundering and fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30028
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Hello, I am very concerned with with the financial institution, Navy Federal Credit Union. There have been several instances such as the one I will describe below but with different amount in regards to different companies I have used. For one example, on XX/XX/XXXX I authorized a payment for {$120.00} at the XXXX XXXX XXXX I was at the front desk when the transaction took place, I was also on my banking app and as I made the payment I watched the amount of money come out of my bank account. I check my app every day and for several days everything looked correct, no money was added and nothing was taken away as I was not using that account during the time frame. I check my account on XX/XX/XXXX and I am negative {$120.00}. I call my institution and ask them why I am in the negatives if my money was taken out at the time of transaction. I was told that when the vendor takes more than 3 days to process, the money goes back on to my card and they still have authorization to take it for up to 60 days. No problem, except the money was never put back on my card. I was charged twice. Again, there have been several situations like the one above with different transaction amounts with different vendors. It is a continuing situation Navy Federal refuses to fix or admit that the original payment never goes back on the account and that I some how end up paying twice for a lot of things.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28226
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX Is attempting to collect a debt that was deemed a fraudulent account by the FTC, CFPB, Navy Federal Credit Union, AND all three major credit bureaus. When I previously disputed this item -- XXXX XXXX XXXX XXXX response was providing a statement from NFCU showing I made a payment on the account. I am unsure how this " proves '' the account was not fraud and/or the result of identity theft -- it certainly does not meet the legal definition in by the provisions of 15 USC Section 1681i of the Fair Credit Reporting Act. Making a payment on the account does not prove it was not fraud. I made a payment in an attempt to avoid it hurting my credit while I disputed the information. Navy Federal Credit Union required that I get a police report, and also an FTC affidavit in order to dispute the charges. Which I did- but the took time. I have attached copies here -- again. My NFCU CREDIT CARDS WERE STOLEN FROM MY HOME. Along with my ID, my social security card, etc. This resulted in identity theft. The cards were not OPENED fraudulently. They were stolen and USED fraudulently to open other accounts. I attached the police report that says as much. My next step is to file a complain with the Florida Attorney General 's office and also to file suit against XXXX XXXX as I have med the burden of proof that these items are a result of fraud AND they they have already been removed from my credit previously. Which means that XXXX IS still attempting to collect a debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33572
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I file a police report stating the incident and was inform i have to make a complaint online due to its not being a XXXX incident. someone stole my wallet and cell phone with all my personal information i had at the gym. this is a very bad situation i have experience. the total amount of fraudulent transactions was in the total amount of {$10000.00} i work hard for my money and need answers asap thanks
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I applied for a rental advertisement, signed a lease agreement, and wire transferred the first month and security deposit to the scammer 's account. A few days later the scammer requested I send additional funds before sending the keys to the rental. I filed a police report and called my bank, Navy Federal Credit Union, but they claim because it was an ACH transfer there is nothing that can be done about it. I called the scammer 's bank, XXXX, who also claims nothing can be done.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06095
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Navy federal is ignoring my attempts to resolve this issue with out other parties.CFPB is my last option to seek help. Ive sent numerous letters asking for help understanding the debt and why it is not cleared out. They are sending me billing errors on top of reporting private information to the CRAs. I will not accept this type of treatment from no company or agency.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77067
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/22 Dear Consumer Financial Protection Bureau On XXXX i deposited {$600.00} in the ATM and it Malfuctioned and DID NOT register the deposit to my account AND DID NOT RETURN the {$600.00} from the ATM. And printed a receipt show no money deposited to my account. I went inside and explained what happened and they said since it was a Friday, they would have to wait until Monday to open the ATM. They gave me a provisional {$600.00} credit and several days later took it back and this the response I received below : This is the response on XX/XX/22 Dear Member : This letter concerns your ATM deposit dispute submitted on. The disputed deposit of {$600.00} was made at the above-mentioned ATM location on. Based on a thorough investigation of your claim, we found that no billing error occurred. We do not have a record of a deposit in the amount XXXX and the information available regarding your claim did not identify excess funds matching your transaction. As a result, any provisional credit that was applied to your account will be removed on, which is ten calendar days from the date of this letter, at which time your claim will be closed. ( End of response ) Furthermore when they deducted the {$600.00}. I had got paid and it over drew my account causing items and bills to be returned and caused several late fees XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have no negative items on my credit and dont owe anyone I make XXXX a year on average and only gotten approved for XXXX dollar card limit Meanwhile my best friend who has a lower score than me gets approved for XXXX card limit I served my country I dont know if its XXXX descremination because I am XXXX but this is truly unfair I love navy federaXXXX and all of the credit unions benefits and all I ask is to be treated fair I served my country and still am serving my country I had close friends die in combat next to me so please I have been through a lot so can you please increase my limit
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2022, I filed out a credit card application offer sent to me by Navy Federal after prequalifying, speaking to representative, unfreezing my credit report, reading terms and conditions of the program before submitting the application. Nevertheless, I was denied the offer, which is understood did not guarantee approval. The problem is the direct reason of the denial of the credit card application! The denial is in violation of the FCRA LAW. Also Violation of the credit card disclosure program which does not specify in filling out the credit card application you have to qualify for a XXXX credit limit! That was the reason verbatim, my credit card application was denied!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A