Date Received: 2023-01-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Navy Federal is going into accounts and charging insufficient funds charges on people. I had money in my account, yet there were charges that I didn't know were coming out hitting my account. They declined the charges and then billed me {$29.00} three times in one day and demand that I pay it. I refuse to pay that. When I called, they were rude, and wouldn't do a thing to help me. They are robbing people every day, and need stopped. I had to leave XXXX because they stole {$500.00} from me one day, and now this. I demand that those charges be removed, and my account be closed. I will not do business with a shady company like this. They aren't rhe only ones hurting for money, it's all Americans right now, but we don't have access to people 's bank accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 672XX
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: 2023-01-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Navy Federal Credit Union XXXX XXXX XXXX XX/XX/2023. I didn't not apply for anything nor gave anyone authorization to apply for anything on my behalf.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was pressured into applying for a loan amount I did not need! I asked for {$15000.00} and the agent applied for {$45000.00}. I feel I was not approved because of false and misleading information on my report and the amount, that I did not want!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX accounts below violated my rights to laws 15 U.S.C 1681 SECTION 602A - Which states that I have the right to privacy 15 U.S.C. 1681 SECTION 604A SECTION 2- Consumer Report Agency can not Furnish an account without my written instructions. I have requested several times to prove these accounts and send original documentation with my signature. I have disagreed with the Creditor and credit bureaus on their last investigations XX/XX/22, XX/XX/22, XX/XX/22. There has been no response and no update according to the FCRA laws.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Ok XX/XX/XXXX i sold a vehicle, the check was XXXX it was deposited into my account and the bank teller told me it was avail. I transferred the money out immediately XXXX to XXXX as advised by the teller and they blocked and closed access to the account. They left me and my kids stranded with no money and no gas and no food! They allowed the transactions to go through and the check was from XXXX federal and they said it was fraudulent. I need my money to he released i sold a car i no longer have and they robbed me of my money for the holidays and left me hungry with children, cold and stuck hours away from home. I need this resolved this is not fraudulent at ll!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have an account with Navy Federal and I did not give them permission to report my account to the XXXX Credit Bureaus... There is no sign documentation stating otherwise...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have my Mortgage finance with Navy Federal Credit union. Every month I pay extra principle and extra escrow to make sure that I don't fall short in my escrow. I paid extra escrow for the 2022 year. A total of {$390.00}. I paid on line and each time I paid, I made sure that the escrow box was completed with the amount extra I was paying. Each time Navy took my extra escrow and put it in as principle. Not as extra escrow. Each month my reflected that I paid 2 extra principle payments instead of 1 extra principle payment I talked with about 5 Navy federal Credit representatives, they put the information in my account records, but still did not credit me the extra that I had paid. I even sent an email to XXXX XXXX about a week ago. I did not get a response. Today XX/XX/2023, I received a letter stating that I was short {$330.00}. Making my new mortgage payment {$890.00}, up from {$840.00} Why should I absorb this new amount when I paid the extra escrow throughout the year and it was misapplied
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33707
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Sirs : We wish to advise you of a complaint we have with Navy Federal Credit Union ( NFCU ). The timeline of events is below. As of the date of this letter we still do not have access to the disputed funds, nor do we know where they are held by the 3rd party NFCU uses for its Web Bill Pay service. Nor do we know when these funds will be applied to the intended bill, returned to us, or some other action. This is an intolerable sequence of events, distinguished by NFCUs inability to answer the most basic questions, changing its answers, or just pleading ignorance. XXXX XX/XX/XXXX : NFCUs web bill pay was used to pay/direct {$1500.00} to the XXXX account ending in XXXX as we have been doing for years. XXXX XX/XX/XXXX : We checked the NFCU web site and noted the {$1500.00} had been withdrawn from our checking account, but no indication that it had been applied to the XXXX bill. XXXX XX/XX/XXXX : Later that day we called NFCU and were advised after an awkward call to the Credit Card branch that they could not help us and we would hav e to talk to the Web Bill Pay Branch. It was then we were advised that : - - The actual payments are performed by a third party external to NFCU - That NFCU had no visibility into the status of the funds nor their location - That we could not contact the XXXX party entity - That the XXXX party entity sometimes instead of paying electronically, would send paper checks via XXXX Mail to- * The party to be paid or, * The party that submitted the funds for payment. - In either case, there was no communication with the NFCU customer from the XXXX XXXX nor NFCU. XXXX XX/XX/XXXX : We went to the local NFCU XXXX XXXX ( XXXX XXXX XXXX, Virginia XXXX ) and to the XXXX XXXX XXXX XXXX XXXX. We explained the situation to her which was evidently beyond her capacity to resolve. She then called the NFCU Resolution line and we waited about XXXX minutes for her to be able to talk to an agent. While XXXX XXXX was telling us about the web bill pay price, evidently the resolution agent was correcting her because she had to recant her explanation immediately. The bottom line was NFCU could not determine the status of our funds other than it seemed like the XXXX XXXX XXXX XXXX XXXX XXXX had them. There was no way for any question to be communicated to this service and we would just have to wait until Wednesday XX/XX/1923 to see what, if anything, was going to happen. XXXX XX/XX/XXXX : The NFCU web site still lacks any indication of where the funds are or when they XXXX arrive wherever they are being sent. XXXX XX/XX/XXXX : Called NFCU web bill pay agent and was told NFCU does not think the funds are in NFCU, they also contacted the XXXX party vendor who told them the vendor could not confirm or deny if the funds were in their system. So, after a XXXX minute call, the {$1500.00} is unallocated, unavailable, and there is no estimate of if or when the situation might change. We find this entire situation unacceptable starting with the lack of transparency set in place by NFCU. We were unaware that NFCU Web Pay service depended on an external third party who does not answer to NFCU nor the customers they are intended to serve. There was nothing on the NFCU web site to advise us of this arrangement. We request the situation be investigated to ensure no regulations were violated in this exercise in abysmal customer non-service. We expect the XXXX be placed back in our checking account or added to the XXXX XXXX rewards credit card as we directed. Sincerely, XXXX XXXX and XXXX XXXX XXXX, XXXX ( XXXX )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23455
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Late payments reported to the credit bureuas and stated in 15 usc 1666 b, late payments are not to be reported to the cosumers report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Navy Federal Credit Union cashed a fraudulent cashier check for {$22000.00} using my account without any approval from My part. NFCU failed to stop the fraud, and failed to bring it to my attendance before casing the fraudulent cashier check.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A