Date Received: 2022-12-14
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/2022, I wrote : To Whom It May Concern : I sent a letter to rescind my contract for the above loan number ending in XXXX to XXXX XXXX XXXX XXXX XXXX late XX/XX/2022. It was received by XXXX XXXX XX/XX/2022. I have proof of this, as the Certified Receipt was returned to me with a signature by an employee of XXXX XXXX. I have since received countless phone calls from XXXX XXXX requesting payment for the loan mentioned above. I requested someone from XXXX XXXX XXXX XXXX to give me a call or contact me regarding my claim to rescind the contract. Each representative, including supervisors from various departments claimed they did not have a contact number or email that was directly to the corporate office. I am displeased in discovering that information as that speaks to the integrity of XXXX XXXX as a whole that is unwillingly to deal with special circumstances that a lower-level tier departments are unable to do. I made referenced to 15 U.S.C. 1635 ( a ) ( b ) ( f ) and all information pertaining to that law to back my claim to rescind. XXXX XXXX never provided forms of rescission to me, nor did they make my right to rescind clear and conspicuous, as stated by the law mentioned above. As of this result, I wrote a letter to rescind, and XXXX XXXX had 20 days to come and pick up the property mentioned ( XXXX XXXX ). As of XX/XX/2022, they ( XXXX XXXX ) did not come, therefore, by LAW including EXTINGUISHMENT OF OBLIGATION CHAPTER 4 Article 1256 the creditor to whom the lender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or summary. Meaning the property ( XXXX XXXX ) is now mine free and clear of any past/future due payments. As well, I will make mention that I have never been late on any payments, but XXXX XXXX has continued my payment as late and now in default. This I may add, is a defamation of my character, as it has now hit my credit report. I am now having to explain a false statement made by XXXX XXXX to other lenders because I am now looking for a vehicle to buy. I feel targeted by XXXX XXXX putting false statements on my credit report because they will not adhere by the laws, rules, and regulations given. I need someone to contact me within 10 days of this notice so that we can resolve this issue and move forward with the receipt of my just due Title to the vehicle. Otherwise, please accept this letter as my intent to sue by means of my defamation of character and not adhering to my rights to rescind said contract. Everything above is what I sent to the corporate office, and they continue to deny me my rights set by law. They are harassing and bullying me with phone calls and scare tactics of repossessing my vehicle.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Navy Federal restricted my bank account in XX/XX/XXXX. My auto loan was set up for automatic bill payments and its absolutely no reason my auto loan should be in a delinquent status. This restriction prevented me from registering the vehicle and listing Navy Federal as lien holder. We purchased the vehicle from my step son who is also a member at Navy Federal credit union. We have the title just dont have the funds to hey it titled, registered and add lien holder. Due to the restriction of no fault of our own it caused the auto loans interest to increase over 100 % causing more financial distress because our bank account is restricted. We have no access to online services or access to make any changes to the bank account. The monthly payment has increased and my credit has been ruin. If XXXX is the reason for the restriction and the money has always been there why do I suffer financially for their negligence in their fiduciary duties? My credit score was over 700 and its now in the low 400s all in 7 months. What took years to build positive creative has been damage to the point of no repair. This isnt legal nor ethical and I expect CFPB to actually dive in and protect me from the predatory lender. The bank account was restricted for no legal reason and all funds were verified on XXXX different occasions. XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX via their wire departments service messages. XXXX XXXX verified funds and the beneficiary and the reason for the wire and they still refuse to remove restriction. This negligence caused them to pay their own selves late since the money has always been present and we have absolutely no access to the account to make any changes or updates. They have tried to stall and make excuses for their behavior but fortunately for me I have all XXXX pages of the service messages between Navy Federal and XXXX bank. Please get them to bring my loan to a current status and update my credit report information both with all credit bureaus and internally within XXXX XXXX. XXXX XXXX has failed me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: I opened a savings account at Navy Federal Credit Union on XX/XX/XXXX, to pay the loan I was getting from the bank. The teller and I discussed a checking account, and I advised her I did not need XXXX if I could pay the loan through my savings account. I was told before that, there were no options to pay the loan outside of transferring from a Navy Federal account or paying in person. I then transferred XXXX on the XXXX of XXXX On XX/XX/XXXX I transferred XXXX from my XXXX account to my Navy Federal savings account. Thereafter I waited for the car to arrive. I received an NFCU text message saying there may be suspicious activity on the account at XXXX XXXX on XX/XX/XXXX. I checked my account immediately after I noticed the text message. I noticed a new checking account and that my money was gone. Someone had created the checking account, transferred the money from my savings to the checking, and then transferred a total of XXXX in XXXX transfers to another bank to XXXX XXXX. I do not know this person. I called Navy Federal immediately and told them what happened. The initial person in the fraud dept. told me that there were several IP addresses that had accessed my account XXXX XXXX XXXX XXXX He told me the name of the person to whom the money was sent, and I told him I did/do not know him. We began the process to secure my account and remove the unrequested and unauthorized checking account. At that time, a second checking was created by the agent to close the unauthorized checking account with the understanding it would be closed too. It was not needed. He said it would take up to 10 days to hear something back. I went to the branch where I opened the account to let them know what happened and to continue securing the account. I did not hear anything after a few days and called. The standard answer was they sent the request for funds to the other bank but have not heard from them. I called a few times to check the status and was told it could take up to 60 days. I didn't hear back from navy federal until I received a letter dating XX/XX/XXXX. It stated they found no error, so I was responsible for the transactions. Once I received the letter, I called the number listed provided. The answer from the initial fraud agent as well as the supervisor was that they couldn't determine if it was fraud or not. The supervisor said navy federal has no other recourse to return the funds if the other bank does not return them. Later that day I called back for the name of the bank the funds were sent to. It was the XXXX XXXX XXXX, which I had never heard of prior to the agent telling me. I have no association with the bank or the person the funds were transferred to. I filed a police report on XX/XX/XXXX case number XXXX XXXX XXXX. I called NFCU back that afternoon to request to speak with the CEO of the bank. They advised me there was no direct way to speak and that they wouldn't be available at that time. I was asked if I knew about the appeals process after she asked me to tell her what happened. I advised her that I wasn't aware and questioned why the fraud department didn't advise me of it. She asked if I wanted to speak with her supervisor in Customer Accounts. I said I will go through the process. I spoke with her and she didn't understand why it was denied and stated she would get back to me late afternoon the next day. I advised her I would go to the branch and speak with a manager. I went into the branch on XX/XX/XXXX and spoke with the assistant manager. At first, she said I would have to take the legal route then she said she'd have to talk with that department to get more information. I told her to call, and she did. The fraud department came back and said the transaction was from XXXX device. I asked if it came from mine. She just said a device. I told her they were lying because the initial fraud agent had already told me the transactions were made XXXX XXXX XXXX. She then told me to fill out an appeals form and I did. She told me 15 days is what's on the sheet but there is no guarantee of when they would get back to me. I did not create an account to transfer money to someone else I don't know. The Navy Federal bank was/is only going to be used to pay the loan. I did not authorize anyone to create and checking account and transfer to a person I do not know, and a bank I know nothing about. Navy Federal denied my request for funds to be returned based on nothing I did.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: In the middle of the investigation by the consumer protection bureau referencing this number XXXX simultaneously at Navy Federal credit Union For accounts that have been paid as agreed disappeared from the report I might investigation prove that they disappear from the system at XXXX XXXX , I brought XXXX XXXX attention . To the missing accounts. To my surprise they where no answer. Of so I should then a picture of what the reported to the bureaus In the past 22 accounts minus chicken in savings Now they are only reporting 18. So I called before the XX/XX/2022 and the total accounts was 18. When I called on the XXXX/XXXX/2022 it was 19 accounts. So its obvious That someone is trying to fix the situation by putting the accounts back. But if XXXX XXXX has been hacked. They need to say that. And get better cyber security. Now in between XXXX XXXX And XXXX XXXX XXXX XXXX sent two false derogatory remarks on my couldnt report. ( I have zero negative accounts in the federal ) when I say all my accounts are +100 % of my accounts are positive. I called XXXX XXXX to ask XXXX XXXX to ask about the negative remarks they sent to the credit bureaus. This is the second Falls information you have reported against me in less than 30 days. The say to ask XXXX. So now I know all of my bank information is compromised from within the bank And they are not willing to do an investigation inside of their back office. So I know theyve done this to other people before Can CFPB love look into this 1 information and accounts missing at the time of a CFPB investigation. 2 how is it possible for Fake derogatory remarks to be sent to the bureaus and the consumer not to have a right to ask what are the remarks from the source. I sent the proof of the remarks to XXXX XXXX in an attachment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: In XXXX Navy Federal raised my interest rate stating that they never received a POA form I sent in 3 times for the lein. I sent the form in a 4th time with tracing and signature confirmation and 3 weeks later was told it was still not received. I finally sent a system message with screenshots of the signature and name that signed for it on XX/XX/2022. I also ran into financial trohble and was approved to move 2 payments to the end of my loan before I was ever late. My XXXX and XXXX payment was to be moved and I would not have a paymenbt until XX/XX/2022. I made my payment on that date and a week later my payment exension was reversed and {$780.00} was taken from my checking account without any notice on XX/XX/2022. I called in and the payment was reversed and I was told that they are working to put the extension back on my account and remove the late fees added. Fast forward to today and the issue with my loan account isn't fixed and the money came out of my checking account again. I have called Navy Federal many times and have been told everything is being fixed but they keep taking money from my checking instead of fixing the problem. I need this resolved ASAP!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I saw XXXX XXXX XXXX back in XXXX. He told me, that I was a candidate for the XXXX. I was very excited. I took time off and made preparations. I made my down payment as I was told to do in advance. Plus my payment plan for {$1000.00} a month until my balance is paid in full. The day of the XXXX, the doctor says that I'm too XXXX and can not to the XXXX, I need to find a hospital to do it. And someone from the office will be in touch with me. It's been XXXX months, I have called, texted and emailed. NO ONE has returned my call from my refund. They will not return my money. The doctor even said that I would get a refund. They have blocked me on social media. They will not answer my calls. They will not return my money. I
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2022 - My husband was able to work into Navy federal Credit union and make changes to my savings account without my permission. I am the sole owner of my savings account-This was not a joint account. XXXX XXXX XXXX XXXX made a demand that he wanted his name off of all of my accounts. Instead of contacting me about this matter they aloud him to make changes to my account. So, how safe is my money? Can anyone walk into the XXXX branch in XXXX, Texas and make changes. They explain that XXXX XXXX had hacked my account- He was not a authorize to look or make changes but the XXXX let him make what every changes to the account. no, your spouse can not make changes to any of my account unless it is a joint ownership. The saving account was not joint. XXXX XXXX did not hack the account XXXX gave his permission to make changes on my account and this is against all banking regulations.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Im typing this complaint as the legal attorney in fact of my husband XXXX XXXX. Two legally executed and valid durable POAs were notarized by the prison law Librarian XXXX XXXX on XXXX XXXX. These durable power of attorneys along with an agents certification of the validity of the POAs were taken in person to the Texas Secretary of State in XXXX, Texas on XXXX XXXX to be authenticated/apostille. Apostille is a form of authentication thats accepted both internationally and domestically. Navy Federal has repeatedly falsely dtated possible fraud with my account and there is absolutely no fraud with my accounts. There is a checking and savings account opened and operated legally. Navy Federal is actually negligent in their fiduciary duties and they have illegally restricted my bank account even though 100 % of the funds were verified by the sending institution XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. The funds we wired into the bank account from the result of a real estate deal. That deal was executed by a Texas attorney XXXX XXXX XXXX. The property that was sold was a property that was purchased in XXXX with a power of attorney so the deed reflected both XXXX XXXX and XXXX XXXX. At that time XXXX XXXX XXXX wasnt married to XXXX XXXX but her intentions with the relationship was a lifelong commitment and she operated in a manner to include me as an owner on everything she purchased or every business she opened. This same property was sold with a power of attorney on XX/XX/XXXX. That money wired into the Navy Federal bank account were verified, There was a service message from Navys wire department sent to XXXX XXXX wire department requesting 3 pieces of information. Navy needed them to verify the validity of the wire, to verify the name of the person to receive the wire and the reason for the wire. XXXX response was the following : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. ORG STATES XXXX XXXX IS THE PROPER RECIPIENT OF THESE FUNDS. THEY ARE PROCEEDS FROM THE SALE OF HIS PROPERTY TO NOTE COUNTRY LLC, THE FUNDS WERE ESCROWED PURSUANT 1 OF 2 ) Ive lost my home and lost my storefront, my vehicles, my life insurance policies and as a desperate plea I contacted XXXX XXXX on XX/XX/XXXX to advised them of what was happening and how Navy Federal been refusing to acknowledge the funds were verified and the account should be unrestricted because the funds rightfully belong to me, XXXX XXXX, Once the sending bank realize this situation they immediately sent this second part of the service message to Navy Federal that states : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX OF XXXX ) TO THE CONTRACT BETWEEN THE SELLER & BUYER. XXXX XXXX IS CONTRACTUALLY ENTITLED TO THESE FUNDS. PLEASE CREDIT XXXX ASAP AND NOTIFY WHEN XXXX RECD FUNDS THANKS XXXX XXXX XXXX. Also attached is 18 pages that include all service messages communications that was provided to me as a courtesy to show they had already verified this information and that Navy Federal has no legal reason to suspect fraud or no legal reason to restrict funds when 100 % of the funds were verified by the sending institution. Ive been denied the opportunity to submit original documentation in person at a branch so I dont want this to be used against me. Navy Federal has no legal standing to restrict bank account or to repeatedly tell CFPB possible fraud without given details. Its a stall tactic and please dont allow Navy Federal to continue to harm me. We want to close ALL bank accounts and conduct business with another financial institution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I used my social security card to obtain money/ Loans/ Open end lines Credit. My social security card is tied directly to my XXXX XXXX XXXXXXXX XXXX and i was still denied for these services 15 U.S. Code 1602 - Definitions and rules of construction ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. ( XXXX ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. ( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
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 filed a dispute with Navy Federal Credit Union in regards to a pre-order purchase made with a merchant on XX/XX/2021. After presenting all emails to the merchant showing they have not responded, NFCU has stated that there was no error in the purchase. This is incorrect. I believe that after a year of no notification from a company and then failing to deliver a product warrants a refund or a charge back should said company fail to reply.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98335
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A