Date Received: 2022-11-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My payments are due on the XXXX of each month. I am currently 9 days past due. Money has been tight, so I have been running 10-15 days behind, admittedly. I always make my payment every month and will continue to do so. I received a billing statement from Navy Federal today XX/XX/2022. The billing statement envelope window contains my name and address. Right under It also contains a statement thats states : Our records indicate that your consumer loans ( s ) is past due. This statement is in the billing statement envelope window, clearly visible for the mail facility, mail carrier and anyone in my residence who retrieves the mail to see. This is a privacy violation. Navy Federal should not be disclosing on my billing statement envelope window the status of my account for anyone to see. I feel by Navy Federal disclosing on my billing statement envelope window the status of my account they are intentionally trying to collect on the payment owed by disclosing my account information as a way to shame and let others know my account is past due. This practice of Navy Federal of disclosing the account status of the account in the billing statement envelope statement window seems like it is illegal to do so under the fair debt collection practices act. In addition, when the statement was processed and mailed I would have been past due by a day or two.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Navy federal Credit unit claims that I opened an account with them in XX/XX/22 with a balance of over {$2000.00}. I reside in the state of XXXX. I have not opened a credit card account in over a year. Navy Federal credit union closes location to me is XXXX. I have not left the state of MA. I have no knowledge of this account, when how and to whom it was issued, No knowledge of the items bought. I have not been notified by mail of the debt. I have tried to dispute it with no success.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: With XXXX XXXX, my name is XXXX XXXX. I am writing you guys to informed you of the malpractice and fraud that Navy Federal credit union operates in and how they have violated the XXXX. Navy Federal has threaten your credit rating as well as relay derogatory remarks on my credit report and I have been shown as delinquent, accelerate your debt, they have also restrict my account because your bill is in dispute. And I have used your XXXX rights to dispute the charges. In addition, its against federal law for creditors to discriminate against credit applicants who exercise their rights in good faith under the XXXX. For example, navy federal credit Union has denied me credit just because I've disputed a bill. they creditor must explain to you in writing the corrections that will be made to your account. In addition to not crediting my account, they have not removed any finance charges, late fees, or other charges related to the error.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am the spouse of a XXXX percent XXXX veteran and a victim of theft by XXXX XXXX transfer. On XX/XX/2022, I responded to an email message stating my XXXX XXXX subscription had been renewed and call this number to cancel the subscription and get a refund. When I called the number I was given a website to access and process my refund. When I accessed the website it allowed the person on the phone ( who said his name was XXXX ) to hack into my computer. I was told to put in the amount of the refund ( {$130.00} ) and then check my bank account to see if the money was there. When I logged into my bank account there was a balance of {$130000.00} in my checking account. XXXX said there was a glitch in the system and I needed to go to my bank ( Navy Federal ) to return has company 's money. My computer screen turned blue with a message stating " updates were being performed and do not turn your computer off ''. XXXX said that he was running a security scan to find out how the system mistakenly deposited {$130000.00} into my account and provided an account number and bank to transfer the money to : Country Name : XXXX XXXX Bank Name : XXXX Account Name : XXXX XXXX Account Number : XXXX Bank Code : XXXX XXXX XXXX : XXXX Bank Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Holders Address : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX phone number is XXXX I left my home and went to Navy Federal to send the money back and while I was gone he transferred {>= $1,000,000} from my savings account to my checking account and when the wire transfer was sent, I had sent my money to XXXX XXXX in XXXX XXXX. When I discovered money missing from my savings account later that evening, I contacted Navy Federal and spoke to someone in their fraud department and we file a complaint and they contacted the bank in XXXX XXXX and requested that the wire be reversed and the money returned. I have continued to call Navy Federal for a status update on my complaint and am being told that they are working on it and will let me know if they need anything else from me. I still have not received my money back or have not been give a clear answer as to whether of not the bank will refund my money. Since my money should have been insured by the bank, although they had me sign a waiver of liability before sending the wire, I think they should refund my money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My wallet was stolen and my Navy Federal debit card was used on many different Bitcoin sites. Totaling the amount of {$490.00}. I filed a claim and for some reason it was instantly denied. Later I came to find out that the representative who filed my claim never stated that my wallet was stolen and I did not have my debit card anymore. I am now out of {$490.00} and Navy Federal wont help me with the unauthorized charges on my account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07840
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Navy Federal has already begun investigating this case, but I am still having a difficult time getting this settled. I need Navy Federal to ensure that it has flagged every payment made to XXXX XXXX, because, according to XXXX XXXX, it appears that there were additional charges in addition to the one flagged. Navy Federal has also had incredibly long call wait times, which has made settling this manner increasingly difficult to manage.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I told Navy Federal I was a victim of fraud on XXXX XXXX XXXX I have the request in writing. The fraud was a XXXX listing for a property in XXXX, Ohio. It was a for sale by owner, and they asked for {$2000.00} as an earnest money deposit and they will remove the listing as for sale, and move it to pending. I sent the money to the scammer, AFTER I had got a contract they more than likely created fraudulently, I have their email, I have their XXXX address, I have the text thread, and I have the XXXX listing, I felt confident this may be legit. It wasn't. I went through there process of filing the complaint on the app. And the very next day they messaged me back saying they are " sympathetic '' to me being a victim of fraud there was nothing they could do. And what made it worse was on XX/XX/ I received a deposit from NFCU in the amount of XXXX as a credit. I thought my prayer was answered and they solved the issue. Then on the XX/XX/ the money was taken back OUT of my account from NFCU. I have tons of evidence supporting my claim of fraud. I have screenshots, emails, XXXX accounts, even the XXXX listing, and I'm willing to provide all details needed to have this resolved. I looked up her XXXX account, because its a business account and I know she has two addresses one in XXXX and one in XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX hard inquiries, navy fcu ( XX/XX/XXXX ), navy fcu ( XX/XX/XXXX ), navy fcu ( XX/XX/XXXX ), and navy fcu ( XX/XX/XXXX ). XXXX separate letters were sent out to each major XXXX XXXX XXXX in XX/XX/XXXX to have these hard inquiries removed, because I was unaware and did not give my consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44134
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone used my information to open a fraudulent account at Navy Federal Credit Union on XX/XX/2022, which is now delinquent with over {$10000.00} in charges. As a result of this fraud, my credit score has fallen XXXX points. I have disputed the account with the credit bureaus and placed a security freeze at all three bureaus. I also contacted Navy Federal Credit Union, and they erroneously told me that they had recognized the fraud, and a credit line had not been opened despite an attempt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied online for a secured credit card with Navy Federal Credit Union on XXXX. On XXXX, during a telephone call, a Navy Federal Representative told me that I was approved for the credit card between/ around XXXXXXXX XXXX to XXXXXXXX XXXX pacific standard time. Later during the XXXX of XXXX, I discovered an email in my inbox from Navy Federal that stated I was not approved for the credit card ; upon discovering this, I called Navy Federal to address this issue and spoke with a manager, the call was nearly 30 minutes and was not resolved ; the manager did not take the time to throughly listen to the phone call, she indicated that there were other customers that she needed to assist ; I expressed my level of dissatisfaction to her ; still no resolution. I called Navy Federal again this XXXX XXXX and was pretty much told the same thing - there are other customers that they need to assist - again, I expressed my dissatisfaction because Navy Federal failed to look into this. I don't appreciate them moving this to the bottom of the list - my already weak credit score is now going to be negatively impacted because of this adverse action/negative inquiry. I disappointed that Navy Federal told me that I was approved over the telephone, then sent an email stating otherwise. They don't seem to care enough about this issue and that is why I am reporting this matter to the CFPB.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A