Date Received: 2022-11-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ACCT # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXX ) Breach of trust {$500000.00} liability surety tax. subsection c laundering of money under USC 1956, civil rights act 1983, and trespassing. according to ( 26 USC 7201 ) states : Any person who willfully attempts in any manner to evade or defeat any tax imposed by this title or the payment thereof shall, in addition to other penalties provided by law, be guilty of a felony and, upon conviction thereof, shall be fined not more than {$100000.00} ( {$500000.00} in the case of a corporation ), or imprisoned not more than 5 years, or both, together with the costs of prosecution. Tax owed by taxpayer {$58000.00} USD for constitutional violation acting in their personal capacity for violation against a flesh and blood man/woman, malicious prosecution based upon fraud, deception on bonds, 1099A, 1099B, 1099OID Original issue discount Forms 1040. violation of 1983, 1985,1964 civil rights Acts. stealing Federal funding 40 % of taxpayer money and putting it in a private CAFR Account and Embezzlement. The tax forms 1099A, 1099B, 1099C, and 1099OID, were filed with the IRS on XX/XX/XXXX. Also, I have them mailed out a check for full payment of {$58000.00} to ally that was delivered to the on XXXX XXXX After all, the discharge has been refused I then exercise my private right to rescind the transaction on XX/XX/XXXX, XXXX via overnight mail. USPS XXXX XXXX [ 15 USC 1635 f ] - right to rescind the contract
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Account opened XX/XX/XXXX, my cousin provided me sponsorship to become a member. Accounts closed XX/XX/XXXX for fraudulent activity. No transactions had been made seeing as how account was less than 24 hours old before it was closed so I was not sure what type of fraud activity could have occurred in such short time. I called on XX/XX/XXXX and was informed membership is considered fraud, and I was not allowed membership through my cousin. My husband has since become a member and when he called to sponsor me for membership I was told I would have to wait on outcome of appeal before any new application can be submitted. I have appealed account closure decision twice, I have wrote CEO, VP, I went inside my local branch, and still nothing has been resolved. Received letter XX/XX/XXXX stating restriction will remain and accounts closed. Of I were committing any type of fraud I would not have went into a branch or appealed or called or emailed ceo, and would not be submitting this complaint. I feel discriminated against because both my mother and husband have obtained membership and yet even now im not given the opportunity to apply for membership through my husband. I assure you I had and I have no intentions on defrauding or being dishonest with navy federal credit Union, I'm an honest civilian, recently married, work XXXX full time jobs a mother of XXXX and recently XXXX XXXX more children.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77073
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, Navy Federal began depleting my personal checking account without authorization to cover a debit from my daughter 's account who is fully an XXXX and should have a college checking account. This is not a joint account. It was previously considered a XXXX account years ago but of XXXX she became an XXXX and it should've became a college checking account. As well as the {$5500.00} that her account is overdrafted is due to fraudulent charges that is being disputed with the bank. We have contacted them multiple times via over the phone and just recently in the bank yesterday to try to get this resolved. We have received a police report from XXXX Police department only because we were able to go in house but are trying to get XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX on the phone since they have literally took all the little money I had for my car insurance and food and gas money. I'm a single mother of XXXX and them taking money with my authorization for something I'm not responsible for is absurd. They have refused to rectify any of the situation and stop money being withdrawn from my account and refused to correct the type of account because of the investigation pending. I'm not sure why video surveillance can't be seen at all these various places especially at the branches and I was told by the bank representative that the fraudsters make a fake id with my daughter 's information so it seems that the bank would be able to match the ID pics of from when the account was opened, the one she legit uses in the bank versus the fraudsters as well as see that she wasn't in all these places on the same day ( XX/XX/XXXX told by the bank that deposits and withdrawals were made at the XXXX XXXX and XXXX XXXX ) when she was in XXXX XXXX XXXXXXXX XXXX Neither am I not understanding why the bank didn't flag and decline the charges and just now they have her account flagged and she can't view her online app. Dates are seen in the documents attached of charges and time stamps of her XXXX XXXX as well as proof of one of the police reports from XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I previously contacted Navy Federal informing them that they are clearly in violation of my consumer rights. I've also put them on notice that Federal law supersedes Company policy. NFCU is reporting inaccurate and incorrect information on my consumer report and is causing a great deal of hardship for my personal and family household. I've attached my letter with the violations and remedy that I seek.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/ I deposited a dividend check online at my bank, Navy Federal Credit Union, in the amount of {$2.00}. The bank failed to deposit the check correctly through the clearing house and the check was rejected. Under the guise of a " bounced '' check the bank charged {$15.00} and directed me to contact the issuer in a refer to maker. The maker, XXXX, a major stock broker, was extremely confused. Thier investigation found that NFCU had incorrectly routed the check and they reissued a new check. NFCU charged me {$15.00} for the bounced check due to their mistake.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70360
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Multiple accounts were opened in my name with Navy Federal Credit Union, including : a checking, savings, and a credit card. But I personally did not open these accounts and have no offiliations to Navy Federal. My identity was stolen. I have already reported fraud to the company Navy Federal on XX/XX/2022. Since then, whomever opened these accounts has charged up a credit card bill of {$1800.00}, is not paying the monthly payment, and now my XXXX XXXX has been effected.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: my secured credit card gets a fraud just about every time I use it and this has not only caused me embarrassment and hours of time away from other obligations it has cost me monetary suffering. I made a complaint about this issue back in XXXX via phone and email but instead of getting a response and or resolution to the problem I was locked out of not only my credit card account but checking and savings account also without any valid reasoning behind this and I remained locked out from XXXX through XXXX leaving me unable to pay my bills, access my money or run my business as I was self employed. my vehicle was stolen along with my wallet and driver 's license, cards, checkbooks etc inside of it. I spent a countless number of hours sometimes up to one hour and 45 minutes at a time waiting for the fraud department to come on the line. I even went to a branch and sat in the lobby while on hold to show the staff that how impossible it was to resolve my issue if that specific department was the only one who could help me. once I finally got a hold of the fraud department and presented to them, my government issued temporary driver 's license, my social security card and even offered my birth certificate I was rudely told that my documents were unacceptable and when I asked for someone of hire authority to speak to I was told that there was no one about the fraud and security departments and that no money was to leave my account until I had received the non temporary government issued driver 's license. it takes weeks and sometimes months to get an appointment with the Texas XXXX post covid. so I had already waited weeks
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78237
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Why did they close my account after they took my sons ssi check.. I need help and a voice Im not educated on this matter please help. I need a place to live. Please help me.. thank you XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I called on XX/XX/XXXX or XXXX to place a stop payment on my account. I was told that there was a chance the merchant could still debit my account. At that time I requested a cancellation of my debit card. I went into the branch on XXXX to receive a new card. On the XXXX of XXXX the merchant then debited my account multiple times because the customer service representative never cancelled my card as requested and the branch representative never cancel my card as the should have.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: When I split insurance from my ex-wife in XXXX of XXXX they failed to remove my vehicle and my bank account number even though they said they split our profiles. The charges stopped that fall but restarted in XXXX of XXXX. I could not figure out the duplicative charges and XXXX assured me it was fine. They would not tell me then as well as now where the payments on my banking account were going. I called Navy Federal and only now after they began to show on the bank account when asked where the charges were going that it was my ex-wife XXXX XXXX ( now XXXX ). She had been removed from the bank account in XXXX of XXXX as well and they don't view it as wire or bank fraud even though she is not an authorized user. XXXX still insists that is up to my ex-wife XXXX to call them back and removed the bank account. She has no incentive to do this and would continue to charge it if I had not found out. XXXX continues to insist that I authorized the charges however I didn't and XXXX is not an authorized user of the bank account. Navy Federal also does not consider this bank or wire fraud. Navy Federal will not reimburse me for my charges more than 60 days old and wants XXXX to cover them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A