Date Received: 2022-12-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was a victim of fraud. Someone scammed me via telephone, saying that they were XXXX, regarding a cable promotion. I answered the phone call thinking that they were a legit representative from XXXX and XXXX, which they were not. They talked me into getting my credit card information and they tried to steal {$4500.00} off of my credit card and tried to put the money on gift cards to obtain services, but never received the services. They did charge my credit card, which they did it as a cash advance, which I did not authorize. Therefore, I was able to retrieve my money back by contacting Navy and allowing them to assist me in correcting the issue. Therefore, it has caused my credit card to be charged double interest because Navy Federal Credit Union treated this as a cash advance and is still charging me double interest, which I should only be paying one interest on my own charges purchases. I contacted them about that, but they never fixed the issue. Please correct this matter immediately, where I am ONLY charged for one interest, which is for purchases and not cash advances. Thanking you in advance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 309XX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34972
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
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: As required by law, XXXX is to fully investigate disputes and provide proof of their investigation method. This has been requested on multiple occasions. On XX/XX/2022, XXXX " verified '' the alleged debt with Navy Federal Credit Union. The debt with NFCU is listed as " charge off '' but NFCU has failed to EVER provide me with a 1099 for that charge-off and is therefore in violation of federal law by " verifying the debt '' and XXXX is in violation of federal law by " verifying the debt '' or not completing the investigation in full as required. I demand that the NFCU alleged debt account be removed permanently from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 666XX
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 strange activity began happening to my banking account. Several unknown purchases were made. XXXX XXXX and XXXX payments were made to unknown personnels. This unknown person applied for a personal loan with my bank, using my name. I contacted the financial institution. We closed that account, recreated my login information, issued me a new card. An investigation was launched. On XX/XX/2022 I activated the newly issued card. Friday morning I was unable to login into my account. I called the bank they stated that they could not give me any information over the phone, so I drove a hour away to the nearest branch. At the bank I explained the situation. I reviewed the transactions with the bank rep. Again we closed the account, issued a new card and created a new login. Launched another investigation. The rep stated she couldnt provide me with any information about my accounts.Today XX/XX/2022 I am unable to login into my account. I contacted the bank I was instructed that I need to speak with the security team, who wasnt available today and that I need to contact them tomorrow morning. The person who I was speaking with was someone from the fraud department who wouldnt discuss anything with me. I strongly believe that someone from this banking institution is compromising my access. I have yet to receive any information from either investigation. I am left clueless, with no funds causing me debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2022-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had recently been notified that my personal information had been leaked by XXXX, which then prompted me to check my persons credit report during the last week of XXXX and noticed that there were several in accuracies revolving around my Navy Federal Credit Union loan and credit card. More specifically the payment history reported to XXXX and XXXX. There were also issues regarding the status of the account at the time of me checking end of XXXX. I attempted to dispute these inaccuracies through XXXX and XXXX but had no success in having the issue resolved. I recently filed another dispute in a last attempt to have these issues resolved. My credit report in accurately shows that I have no accounts and no payment history. Essentially dropping my score well below what is acceptable to get access to necessities associated with me achieving life and liberty. I hope that this complaint can aid in provoking the speedy remedy of this injury to my persons in regard to this credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, I received two checks in the mail. For a total about {$1900.00}. I received the checks from my previous employer thinking it was the profit share check from working their the first 6 months of the year. I scanned the checks and navy federal approved them and deposited the money into my account. I though the checks were okay because they took a few days to process. So my wife and I made plans for the money and bought XXXX gifts for the family. I deposited the checks on Monday the XXXX and I believe the funds where available the XXXX. A few days later Navy federal pulls out the money from my account and gave me no warning as to what was going on. I had to call them and see why my account was negative {$1300.00}. Took awhile to figure out but the checks had a stop payment on them. They where checks that got lost in the mail from XXXX I just got them on the XXXX of XXXX. So today the XXXX I tried to transfer money from my other savings account but Navy federal froze my accounts with out warning. My be savings has a positive balance of {$1100.00}. The negative savings account balance about $ XXXX. I called navy federal to see if they could work me on unfreezing my accounts but they refused to help. They said I had to pay off the negative balance the {$1100.00} is all I have until I get paid again. They gave me no further options. So now I cant get my money for food or gas for the reset of the week until I pay off the negative balance. Hopefully you can help file a complaint. Thanks you XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44039
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Navy Federal Credit reporting reporting the the credit score for XXXX score is reporting XXXX when XXXX is reporting XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Date : XX/XX/2022 Amount : XXXX dollars ( XXXX + XXXX ) Actions : Made two appeals I made my prior appeal to the bank after first urging the " pending, '' transaction to outright be canceled, the Navy Federal worker told it was possible to do that ( Remember this fact ) but I should wait a couple of days for it to go through, get a new card and make the transaction because my story seemed true. I was given a provisional credit and after a month, I was sent an email saying my transaction was denied. I was not given a specific reason in the e-message but that it was rejected on the basis of my account history, transaction details and " discrepancies, '' between the claim and my account. Confused, I called for an explanation and they told me on the phone that it was because it was consistent with my account ( I have never sent anyone more than XXXX in the past year or even XXXX ever ), transaction details ( Addressing my facial ID, in which I told them that I willingly sent this stranger who was asking me for money XXXX, was told the money did not send then to be nice just doubled it to XXXX ) and they could not explain these " discrepancies, '' I was switched over to the fraud department and a lady told me to send pictures of all my apple transactions, proof I did not know the person and explain the token issue. I explained and she told me out of her mouth that " I should get the appeal with all the evidence I brought forth. '' I wait another month and yesterday I sent an e-message to Navy Federal that my investigation is not being taken seriously then they replied less than XXXX hours stating my appeal has been denied again without explanation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: There was a business opportunity being marketed for passive income to create a wholesale car dealership. We were told to apply for a car loan and we would be sold a car from the group 's inventory. In XXXX days the car would be sold and our loan paid off. That would build car credit for us which would increase the amount of credit that we would be approved for, for our dealership. The group would help us create an LLC and apply for a wholesale license and obtain a dealership within their network. There were weekly XXXX calls and a dedicated XXXX group to help guide us. We were told to endorse our auto loan documents and send the check to them. They produced a bill of sale to the lenders. After XXXX days when the vehicle was due to be paid off, we were told there were processing delays due to COVID and states were changing requirements for establishing dealerships. So we were told to wait. It has been over a year now and communication has stopped. This business opportunity was sold to us under false pretenses as we are discovering that some of the VIN numbers to the vehicles are false and some of these vehicles dont exist. The main person that lead the team has been indicted several times for similar types of violations and this business is an elaborate Ponzi scheme
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A