Date Received: 2023-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I, the consumer XXXX XXXX, contacted Navy Federal Credit Union on XX/XX/XXXX to address my nonpublic personal information being shared with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reporting agencies and non-affiliates of Navy Federal Credit Union, without my prior written consent pursuant under Public Law 90-321, Title VI, 604 and The Fair Credit Reporting Act under 15 US Code 1681b. A personal loan, ( Acct # XXXX or XXXX ) that was opened XX/XX/XXXX and was XXXX is being shared without my permission to the previously named consumer reporting agencies. I contacted Navy Federal Credit Union after I received notification on the Navy Federal mobile banking application, that my charged off loan account has been CLOSED. Yet when I asked about the account, I was informed that Navy Federal was unsure as to why I received the notification and that I should contact XXXX, XXXX for further clarification. This account information is still being unfairly shared with multiple inaccuracies to the reporting agencies. I have NEVER given Navy Federal permission the share my nonpublic personal information. Nor have I ever given XXXX, XXXX or XXXX XXXX XXXX XXXX permission to collect and store my nonpublic personal information for this account. Navy Federal Credit Union has committed multiple violations of Aggravated Identity Theft pursuant Public Law 108-275 and The Privacy Act of 1974. As well as the Fair Credit Reporting Act under 15 US Code 1681, Public Law 90-321, Title VI, 602, by sharing my sensitive nonpublic personal information, i.e., Copyrighted Name and Social Security Number, without my express written consent, pursuant under Public Law 90-321, Title VI, 604. My personal information and copyright property has been shared and stored with XXXX XXXX, and XXXX XXXX XXXX XXXX by Navy Federal Credit Union. When I contacted NFCU about this matter the customer services supervisors refused to address and rectify the matter when I requested to Cease the sharing of my information. I informed them that this also violates their Terms of Agreement and Disclosures, which states it can be shared with the Bureaus, not Non-affiliated companies. To which they verbally insulted my intelligence and knowledge of my consumer rights. I reminded them that the call is being recorded for quality assurance and that their disclosure ( NFCU XXXX ) states that they can share my personal with affiliates such as Navy Federal Financial Group, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; or XXXX XXXX XXXX XXXX, XXXX. I did NOT authorize the sharing of my information with any non-affiliates. According to The Fair Credit Reporting Act 15 USC 1681 603, the term Bureau means the Bureau of Consumer Financial Protection, this is not to be misconstrued with the term Consumer Reporting Agency. I have attached the definitions from The Fair Credit Reporting Act. Id like to remind you that according to the Privacy Act of 1974, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains Additionally, according to Fair Credit Reporting Act, 15 USC 1681 ( a ) you must exercise fair and accurate credit reporting and respect for the consumers right to privacy. 15 USC 1681 ( b ) states that a consumer reporting agency may only furnish a consumer report in accordance with the WRITTEN INSTRUCTIONS OF THE CONSUMER, to whom it relates. Under 16 CFR 313 you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless you have provided to the consumer an initial notice, provided to the consumer an opt out notice, given the consumer a reasonable opportunity, before you disclose the information to the non-affiliated third party, to opt out of the disclosure ; and the consumer does not opt out. I have also filed a Identity Theft Report with the Federal Trade Commission for your violations.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77382
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I received a copy of my consumer report from XXXX XXXX XXXX which contained me personal information from Navy Federal Credit Union ( NFCU ). The accounts I hold with NFCU are personal checking and savings accounts. The terms and conditions for Navy Federal Credit Union explicitly state on pages 16 & 17 that NFCU DOES NOT share personal information with nonaffiliates. XXXX XXXX XXXX is a nonaffiliate. NFCU and XXXX XXXX XXXX intentionally violated my federally protected rights and my rights as a resident of California by sharing and disclosing my personal information without my written consent or seeking to obtain my written consent. Specifically, NFCU and XXXX XXXX XXXX violated 16 CFR 313.1 which states in part that it is the policy pf Congress that they must protect the security of my nonpublic information. They also violated 15 USC 1681b which states that my personal information can only be furnished without the written consent of the consumer which is me. They also violated 15 USC 6802 which provides the specific steps that NFCU ad XXXX XXXX XXXX should have taken with respect to their obligations to protect my personal information. They also violated the Privacy Act of 1974. They also violated 17 CFR 248.6 and 17 CFR 248.7. These violations are subject to monetary compensation paid to me immediately under 15 USC 1681n and 15 USC 1681o. It is also afforded to me under the laws of the state of California, specifically UDAAP, and The California Financial Information Privacy Act ( FIPA ), Financial Code 4050-4060 which limit the sharing of personal information off consumers by banks to 3rd parties and nonaffiliates which XXXX XXXX Services is a nonaffiliate. Other laws provided by the SEC, FTC, DFPI, CCPA, and the state and federal offices of the Comptrollers are charged with enforcement and oversight of these violations. As such, California state law allows for monetary damages for each violation. As precedent, as of on or about XX/XX/XXXX, XXXX XXXX XXXX just entered into a settlement for numerous violations of consumer laws for {$3.00} XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95648
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a checking account with navy federal in XXXX of XXXX and everything was fine up until I started getting letters saying my account was overdrawn and there was fraudulent activity even though I never received a debit card in the mail. I immediately called navy federal and explained everything giving them proof and evidence that I never received anything and this was not my doing as I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They said they would conduct and investigation and ultimately said that it was my fault and I owe XXXX, my whole issue is if they actually did and investigation they would see this was not me and all of the atm transactions could not have been me. I dont know who had my card or who had my XXXX but I find this very unfair and illegal. I had no money in the account to begin with because I never got the card I never got a welcome packet. Ive called multiple times and they just keep saying they did an investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21216
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
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 XXXX XXXX XXXX XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 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: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2022 my tax deposit for {$2200.00} was taken from me by Navy Federal do to a fraud and a possible data breach within Navy Federal. I needed those funds to purchase food and pay to pay my bills. Navy federal was already aware of fraud on my account and Still took my much needed funds. Ill be filing a lawsuit against Navy Federal because I was not the individual who overdraft my account in the first place. I spoke with the fraud department numerous times and they reassured me that I was not liable for the fraud on my account. I also dont understand how my account was overdraft when I didnt even have overdraft protection. Ill will be taking this matter to the supreme courts to shed light on this horrific event at this institution. Ive kept records to validate and furthermore prove my case.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75218
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My phone and wallet was stolen from my car I had to file a report about the incident. And my money was also stolen and use from all my accounts I had
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check via mobile deposit for {$10000.00} into my business checking account on XX/XX/2022, received an email on the same day saying that my deposit was approved with a XXXX business days hold. The following day XX/XX/2022 I deposited another check of {$10000.00} via mobile deposit I received an email the same day stating that the deposit was approved with a XXXX business days hold. On Thursday XX/XX/XXXX, I went to the branch and deposited a check for {$7500.00} and the teller told me it was approved with a XXXX business days hold and my receipt stated the same. Based on the holds I waited until Friday XX/XX/XXXX to issue checks to my contractors. On Saturday XX/XX/XXXX, my account balance is only {$170.00}. I called NFCU and they told me that on XX/XX/XXXX all of my checks were put on a XXXX business days hold, and I wont have funds until XX/XX/XXXX and XXXX. I want to be very clear that at no point NFCU notified me of the extra hold time. They are holding over {$27000.00} in deposits. They are not small business friendly and this is affecting me and my business, my client is asking where is her material and I have to cover that with credit cards or with my savings.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Navy Federal credit union has held my funds from me for XXXX years. Via telephone, I have been transferred to the security department to deal with this issue After being on hold for XXXX hours, I was advised to go into a branch. When I went into the branch, they had me call the security center again, which I was inclined to wait there for another XXXX hours for the call to be dropped, and the branch to close. I do not have time to spend sitting in the bank for XXXX hours. Thereafter these uncomfortable interactions, my checking/savings account is no longer accessible online anymore. I feel as if I have been waiting long enough and they are unlawfully holding my funds
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I made a fraud complaint on XX/XX/2022 of {$50.00} it was investigated and approved on XX/XX/2022. I was told to go to my local branch to receive a new card. I went in to the branch and received a new card. I used the card on XX/XX/2022 at XXXX for {$12.00} and the card worked this was at around XXXX. I went to the grocery store at XXXX and my card didnt work. I called Navy Federal Credit Union and they told me that my Debit Card was suspended for 1 year. They never gave me notification that they were going to suspend my card and this left me at such a disadvantage as I had no access to my money. I couldnt purchase food to eat and should an emergency had arisen I had no way of obtaining my money. I called and spoke with a supervisor at Navy Federal Credit Union this morning XX/XX/2022 and was told that they placed the suspension upon my Debit Card because I was irresponsible. I asked was it because I filed FRAUD? she said yes! I asked had I done anything fraudulent and she said no! Its because Im irresponsible with my Card which allowed the fraud. In my defense I have never ever misused my Debit Card. Ive been a member for 7 years at Navy Federal Credit Union and Ive never ever done anything that I wasnt supposed to do as a member. Now they are punishing me because I submitted a FRAUD which we as members our allowed to do. But, Navy Federal Credit Union is punishing me for this by suspending my Debit Card. I also filed a complaint with XXXX prior to going to my bank. I have attached supporting documentation. What they did was evil and malicious as they did this with out notification which left me helpless and without access to my funds
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: hello i have been working with this company to delete this acct on my report it was deleted from my XXXX but not the XXXX others i am a victeim of idenity theft
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A