Date Received: 2022-12-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: FYI : Consumer Financial Protection Bureau XXXX XXXX. XXXX : Navy Federal Credit Union is still violating the CFPA by unfairly restricting consumers electronic access by blocking online functions. I was late paying on my debit card 3 days ; XX/XX/2022 ; and they have blocked my access to pay the bill electronically. They have illegally froze access to my account... an action CFPB ordered NFCU to pay consumers in a class action suit in XXXX and FYI : they are still continuing to ignore
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: In early XXXX I received papers from the Navy Federal Credit Union, along with a XXXX. I immediately called the Credit Union and told them that I had no idea of what was happening, apparently someone had opened up an account with them using my SSN & name. They told me that they were going to close account and address the situation. I continue to receive information from them about the delinquent account, at which time I call them again, they tell me that there is a flag on the account and not to worry they are taking care of the situation. I have reported this to the 3 credit unions, and have them put a hold on my SSN, however my credit score continues to fall. I was at XXXX and now with XXXX bureau ( as of yesterday ) has fallen to XXXX ( approx. as I have closed the information on my computer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was the victim of robbery on the street in which my phone was stolen from my person by 4 individuals. These individuals proceed to access the phone and attempted and successful in some instances to make various transactions from multiple banks, money transfer apps, XXXX and more. These individuals transferred {$2200.00} from my Navy Federal Savings account through the mobile app to accounts they linked through the app that night. They also transferred {$680.00} from my checking account. I contacted the police and an investigation is ongoing. Police Report # XXXX Washington, D.C. Metro Police Department XXXX XXXX XXXX. I then contacted all my banks, phone company, the whole works about locking accounts and getting issued new banking cards etc. All the other financial institutions either blocked the thief 's from accessing my accounts ( i.e. XXXX XXXX XXXX XXXX XXXX XXXX ). All the linked credit cards that were compromised such as XXXX XXXX and a XXXX charge to XXXX XXXX were all quickly ( within 2-24 hours ) returned back to me and deemed fraud. Navy Federal Credit Union however, returned the {$680.00} back to my checking account considering this fraud but had a separate investigation for the savings account which I spent numerous hours on the phone trying to get updates on my case. 2 months have gone by and I just received a letter from Navy Federal saying they will not be returning the money to savings account and deemed my responsible for the claim. I was robbed, police were contacted, banks were contacted immediately. These individuals who I do not know did not know were able to access my bank account without having my password to bank. If they are not returning the money that is ludicrous because they are basically saying my money is not safe with their institution. They also returned my checking account funds which they money was all transferred in at the same time in the same way. I need your help. Thank you, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2022 {$200.00} was scammed from me on XXXX through navy federal. I was selling a desk on XXXX some one said they sent me {$150.00} and then a message said I didnt have a business account to be allowed to accept {$150.00} and said he sent {$200.00} more and I had to send it back to make a trust to have business account once I did that he took it and said he accidentally sent {$200.00} more on accident and I had to do it again and thats when I knew it was a scam, XXXX said its authorized payment and navy federal said the same thing so they cant dispute it. I have the messages and XXXX account too. Is this not fraud because he used someone elses name and account? Why cant it be reversed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 71112
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Documents have been sent out to the company acknowledging the fraudulent transaction that occured in the begining of 2022 for a loan of XXXX. Affidavit of Truth, XXXX XXXX XXXX XXXX, Affidavit of Truth All Accounts Are Paid In Full was included in the documents. -Pursuant to 12 USC 83 Banks cant actually loan money. -Pursuant to 12 USC 1431 the role of banks is to not extend credit nor loans. XXXX XXXX Transaction -Conspiracy -Unlawful -Rico Act -False Marketing/Advertising
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I noticed there has been several companies that withdrew money from my account that I did not authorize nor have any written permission to withdraw funds from my account. I disputed the issue with navy federal and they informed me that it was an issue I need to handle on my own. As a consumer my rights has been violated as I am suppose to be protected by the FDIC and my funds is suppose to be secured.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
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 Made an agreement with the XXXX XXXX XXXX XXXX To have my bottom floor living room bathroom kitchen and Family room in my Townhouse Located XXXX XXXX XXXX Pl XXXX, Florida XXXX tiled with XXXX porcelain Tiles with XXXX stairs hallway and XXXX bedrooms upstairs. The XXXX was to begin on Wednesday XX/XX/2022 at XXXX XXXX and he never showed up lied and said he canceled night prior which I untrue in which he did not. Then came on Thursday XX/XX/2022 at about XXXX in the afternoon for half a day to pick up the tiles with no tools in which I had to rent the tools from XXXX XXXX and buy more products ( not informed prior ) a partial job was done. Owner advised he would come on Friday XX/XX/2022 and complete the job downstairs ( as agreed this would be complete for the ( XXXX XXXX ) in which he did not complete or even started the bathroom kitchen or family room. Left Friday at XXXX pm the job halfway incomplete and advised he will not be doing the job over the weekend but coming Monday XX/XX/2022 in the morning no show called XXXX XXXX XXXX XXXX XXXX XXXX about XXXX he sent some young Teenage Looking boys who was picking up my expensive furniture to carry over the dirty area untiled area dust area ( The young boys who I dont think licensed also stated they advised him this can not be done ). Contact the contractor via phone call advised him to please come to the job site as this is not what was agreed upon and was advised that he will not be coming over Yelled at me and refuse to come and complete the job, I asked him to send me a full refund and was ignored. I am now left to pay another company to fix the job with damaged and broken tiles that said the contractor did not inform us they broke the tiles an responsible for replacing them. Enclosed are pictures of the incomplete and damaged work, and text messaged between both myself and Company and contractor.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
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: Navy Federal Credit Union, issued me a credit card with a balance of XXXX. During the pandemic in 2021 I went to XXXX and was a victim of credit card fraud. My credit cards wallet were stolen and I had a difficult time returning to the United States. I finally returned in the fall on 2021 and began looking into my credit card problems, While reviewing my credit card I noticed that my high credit card was used repeatedly fraudulently in many location in XXXX that I did not travel to. Navy Federal cleared the charges in early XXXX after poor communication from its fraud department. Then they removed the charges, I did not use the card because i was scared to and therefore waited. The Navy Federal staff noticed that I was not using the card and after almost XXXX months the issues a letter stating the fraud did not occur and that i was responsible they imidietly started charging interest and I tried to appeal but the issue persist.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: NAVY FEDERAL CREDIT UNION used unfair and deceptive practices to remove {$23000.00} from my checking account. NAVY FEDERAL CREDIT UNION has reported by way of team members in their charge-off department that these funds were taken from my account for three charged off accounts. NAVY FEDERAL CREDIT UNION reported to me that a credit card 's debt was charged off on XX/XX/2017 ; a Checking Line of credit was charged off XX/XX/2017 ; a Personal Expense Loan was charged off XX/XX/2017. Each item that NAVY FEDERAL CREDIT UNION alleges is charged off debt is over XXXX and a half years beyond its charge-off date. As well, I have requested the 1099 C for each but have not been given such. Also, how can NAVY FEDERAL CREDIT UNION collect debts that are beyond the statue of limitations? NAVY FEDERAL CREDIT UNION took money that was not theirs to take and I qualify that as stealing in my faith based system. NAVY FEDERAL CREDIT UNION has not operated in good faith towards me as a consumer by stealing the funds from my checking account. At the time the funds were taken, the account had no negative balance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I wanted to open a brand-new business checking account with Navy Federal Credit Union XXXX I was told I was unable to open account because, of a bankruptcy that was filed in 2002. They allow me to open a savings account but not a business checking account. I advised the phone agent that was over 20 years ago, and she said it didn't matter. She then proceeded to provide a listing of all accounts that were included in the bankruptcy filing which, I didn't request.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A