Date Received: 2022-12-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I recently tried to obtain a secured credit card from Navy Federal CU to re-establish my credit. I filed a XXXX XXXX XXXX XXXX and it was XXXX in XX/XX/2022. I have an account with them and the debt on that account was XXXX in a bankruptcy. It was told to me that they would not use any XXXXXXXX XXXX against the decision but that is exactly what was done, and I get a reminder of it every time I go on my account with a big red notice.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76248
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: A creditor May not payment on a credit card account under any open end consumer report credit plan as late for purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 703XX
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: 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 rights 15 USC1681Section602 States that I have right to privacy. 15 USC section 604A : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC1666B : A creditor may treat a payment on a credit card account under an open -end consumer credit plan as late for any reason
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31558
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was locked out of my checking account from XXXX through XXXX even after verifying myself and answering all questions to The NFCU security department and my account was placed into a credits only restrictions status. I was not allowed to access my funds, or any information other than my balances. My vehicle along with my identification, check books, cards wallet phone etc were stolen on more than one occasion during this time frame but the security department of NFCU refused to change my code word for my account. Using the same documentation I originally provided to the security department on XX/XX/XXXX, only after complaining to the NCUA, I was told to come into a branch and that they would close my old accounts and open new ones for me. Then I was allowed access to my funds. During the time that my account was on a credits only basis 4 fraudulent checks were cashed through my account as well as some ACH transactions totalling to close to {$3000.00} 2 of these checks were cashed by another NFCU member into their account. Those we're the only two copies of the fraudulent checks I kept being told they could not locate copies for. I attempted to access my funds, I attempted to write checks to my employees as well as pay bills which were all denied due to the restrictions on my accounts. After finally regaining access to my funds and information I submitted a check fraud claim which was over 30 days ago. I have never been contacted for any police reports, questions, concerns, not have I ever received a written acknowledgement that the fraud claim had been received, only after calling multiple times was informed that the document given to me as well as the contact information for submitting the check fraud claim was incorrect and I have never been allowed to talk to the security department and am told there is no one within NFCU that I can address my concerns or get answers to my questions from in regards to reasons why nothing has been done in regards to the check fraud claim. When I first submitted the claim I was told after 10 days I should have an answer as well as provisional credit, after the 10 days I was then told 15 days after the 15 days I was then told 30 days and it has already been more than 30 days and still I have never been contacted, acknowledged or allowed to speak to the security department. Copies of the fraudulently cashed checks were just barely given to me yesterday and the statements from accounts from XXXX through XXXX were just given to me day before that upon which I discovered more Fraudlent activities that took place in my account while it was in a credits only restrictions status. My code word to get into my account has never been changed even though it was requested back in XXXX. My account is over drawn and debt collection correspondences and efforts have begun to be sent to me from NFCU and I am getting reminders that my secured credit card payment is about to be due with NFCU as well. Yet the bank will not return the funds they somehow allowed to be withdrawn from my account fraudulently while my accounts were on a credits only restrictions status and I am still being told by NFCU representatives that they have no idea why this is happening to me but that unfortunately they have nothing and no one they can offer me to help with this
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78237
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
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: Hello, On XX/XX/2022, I bought a set of 4 chairs on XXXX. I received my order. However, the chairs were damaged, and some of them were of different colors. I contacted the merchant asking for a return. The merchant sent me two return labels. They also told me that XXXX would come to pick up the chairs. XXXX gave me two different dates for the return. However, XXXX never came. I contacted XXXX back. The agent told me that I canceled the return directly with XXXX. I told the agent that I never canceled the return and had never been contacted by XXXX. I also requested the prove that I canceled it. XXXX never replied to my request. XXXX offered me a 5 % refund to keep the chairs. I refused and asked to return the chairs and get a full refund. Because XXXX didnt follow their return policy and never accepted my return. I disputed the transaction with my bank : Naver Federal Credit Union. On XX/XX/2022, Navy Federal gave me a temporary credit while they are investigating my dispute. Apparently, XXXX didnt appreciate that I dispute the transaction so XXXX charged my card one more time for the same order. A few days after, I sent my documentation to Navy Federal and they said that no billing error occurred because I canceled the transaction. I explained to Navy Federal that XXXX said that I canceled the return but was not able to prove it. How is it possible to refuse my dispute if the merchant was not able to prove what they said? I sent pictures of the damaged items. I sent pictures of the return labels I got. I sent emails I received from XXXX telling me that XXXX was coming on different dates. I showed my good faith in my wish to return everything I got my money back. I proved that XXXX never wanted to accept my return and just wanted to give me a 5 % refund in exchange for the damaged items. NOW : - XXXX charged me one more time for this order. - Navy Federal reversed the second temporary credit I received. - Now my credit card is charged twice for the same order. I am asking for a refund of the order I placed in XXXX AND a refund for the new charge that was processed without my authorization. Thank you. Best, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02140
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Moved to a new apartment in XX/XX/2022. Changed my address. Started getting e-mail alerts from Navy Federal Credit Union telling me to change my address. These alerts did not clarify why I was getting the alerts. Called multiple times and asked representatives why I was getting alerts. They told me nothing but said the issue is resolved. I logged into my account today to pay my bills and it was blocked due to address issues. Today was the first time I was told there was an issue with my address and the XXXX said I have to talk to the post office because my mail keeps getting returned to Navy Federal Credit Union. I asked to get access to my account and the XXXX refused. So I cursed her out. She said it made sense to her that my account is blocked when I have bills to pay and cant pay them. I have other bank accounts elsewhere and Navy Fed is the only XXXX with this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11779
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: All concerned, NFCU refuses to refund me a duplicate mortgage payment of XXXX I GAVETHEM THE REQUIRED DOCUMENTS AND THEY STILL REFUSE. XXXX DOCS SHOW MY OVERDRAFT CLEARLY PAYING THE XXXX. I GET MORE EXCUSES EACH TIME I TRY TO RESOLVE IT. THEY ARE UNABLE TO READ A CHECKING ACCOUNT STATEMENT. FURTHERMORE, I WILL NOT MAKE XXXX SINGLE PAYMENT TOWARD MY NFCU MORTGAGE UNTIL THIS IS RESOLVED. THANK YOU, XXXX XXXX, FOR RUINING MY XXXX. FROM ME TO NFCU
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XXXX of XXXX ( XX/XX/XXXX, I believe ), I checked my online banking app from home only to find that someone had been using my card throughout the day, racking up {$1100.00} in fraudulent charges. I had not left my house all day and all of these charges were made in-person, by persons unknown to me. I was not aware that my card was not in my possession on the day these charges were made because I very rarely left the house between XX/XX/XXXX through XX/XX/XXXX due to XXXX and my XXXX. At the time, I worked from XXXX and typically only left the house XXXX times per week to check on my grandmother and to pick up groceries and other items I ordered with my card online. I did not and still do not go into stores to shop. I noticed I did not have my card in my purse the day before these charges were made, but I had gone to the hardware store a day or two before and put the card in my sweatpants so I assumed it fell out of my pocket in my car ( as has happened before ). I checked the Navy Federal app that same night and saw no activity so I assumed the card was somewhere I could easily find it and did not call Navy Federal about it because getting my card replaced the last time I lost it was so cumbersome and inconvenient. However, upon seeing these charges the next evening, I realized that my card had been lost somewhere in the public space and that someone else had picked it up and was using it at various locations in the area, and also using it to pay for XXXX rides between these locatons. I have not used XXXX to catch a ride in six years. I immediately called Navy Federal as soon as I saw these charges on my mobile app and asked my card be cancelled. The representative I spoke to was very dismissive when I asked what other recourse I had besides the card being cancelled. They told me to call back after the charges were approved and no longer pending in order to dispute the charges and recoup the money that was spent. I made that phone call on XX/XX/XXXX and was told I would receive a provisional credit while the matter was investigated. The bank then snatched these funds back on XX/XX/XXXX, leaving me out nearly an entire month 's rent under the false pretense that the card had been in my possession when the charges were made, despite my clear explanation that I had not left the house, had no reason to suspect my card was not in my possession prior to seeing that fraudulent charges were made, and despite the fact that the locations and spending patterns associated with that day are nothing like any other spending I had ever done in my two decades of having a Navy Federal account, much less in the 1.5 years prior to this incident, as the majority of my shopping has been via online transactions. I reached back out to Navy Federal on XX/XX/XXXX ( when I was notified ) to appeal the decision and later, to request the audio recordings of my conversations with Navy Federal representatives that led them to allege that the card had been in my possession. The email I sent them on XX/XX/XXXX to document this and request the audio was not only ignored, but then Navy Federal enrolled me in low balance alerts for my checking account without my knowledge or permission.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, [ XXXX XXXX XXXX XXXX XXXX ] has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I dont remember the exact date but it was in month of May I do remember a friend of the family was suppose to send me funds durning this time At the same time something else happen which Im really not sure of or how it happen because no one had my personal information that I gave out Ive been using navy federal for year im fully aware if someone wants to send me funds they can do so through my access number When its XXXX to XXXX XXXX XXXX XXXX asked me was someone trying to send me money I told them yes they asked for the name I gave the first name I didnt know his last name then they went on a rant as if I said something wrong and how they were permanently stopping me from being able to open any accounts with them I want to get to the bottom of this nonsense asap I need my account and Im not paying anymore I never had or know where it came from
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A