Date Received: 2022-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On the following Date XXXX XXXX Navy Federal Credit Union withdrawn payment of {$1100.00} from savings account to apply towards an charge-off unverified debt of {$12000.00} for a credit card account after Navy Federal Credit Union passed debt off to third-party agency that could not collect on the debt and ceased debt collection practices. On XX/XX/2022 filed a complaint with CFPB ( Complaint # : XXXX ) and XXXX XXXX XXXX to report Navy Federal Credit Union for fraudulently withdrawing funds from savings account and reporting an unverified debt to credit reports with inaccurate information XXXX, XXXX, and XXXX. On XX/XX/2022, Navy Federal Credited the {$1100.00} back to savings account and reported charge-off unverified credit card account as delinquent as of XX/XX/2022 to XXXX, XXXX, and XXXX on credit reports. Credit Score was decreased by several points. Navy Federal Credit Union are conducting unfair reporting practices under the Fair Credit Reporting Act to destroy credit score and financial reputation. This is retaliation for reporting their wrongful actions for withdrawing money from savings account to collect on unverified debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30269
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 I contacted Navy Federal Collection Department they took my financial info and said. I would have skip payments and that my payment on my account for my credit card would show current after a few weeks no adjustment was done so I became very concerned On XX/XX/2022 I called them they never contacted me they told me that it was denied and said the department was suppose to reach out to me but as of todays date they never did I was misinformed and was told that my account status would be corrected and. I would not have a payment til XXXX they even inputted the payment in the system and deleted the payment for XXXX now I am months behind due to this
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: It's been over XXXX days and the creditor has not updated the information nor provide proof or documentation in regard to a late payment. They have not supplied this information and they must delete the alleged late payment on my credit report. Under federal law, they had XXXX days to complete the investigation and by failing to do so, the items must be deleted from the report as soon as possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, while living in XXXX XXXX, NC, after having been displaced from our home on XXXX XXXX, by XXXX XXXX, we were the victims of a sim card swap scam which allowed individuals to access our Navy Federal Credit Union XXXX XXXXt and regular everyday checking accounts via our NFCU app on our XXXX. They transferred {$18000.00} from our trust account to our regular checking account. They then went to the NFCU branch at XXXX, Washington, and withdrew {$8000.00} from our account. Then they went to the branch at XXXX XXXX, WA, and withdrew {$9000.00} more dollars from our account and purchased a {$8500.00} cashiers check using funds from the account as well. When they tried to cash the check at the XXXX XXXX, WA, branch it was confiscated. When we were first notified of the pending transfer of {$18000.00} between our XXXX accounts, we advised the NFCU that we were not responsible for that transaction and started the claim process with the NFCU fraud department, or so we thought. Over the next week we talked to any number of fraud department agents about the fraudulent transactions. Our checking accounts were closed and new accounts opened with the adjoining debit cards being changed out. The NFCU ensured us our funds would eventually be restored. We filed a criminal complaint with the XXXX XXXX Police Department, reported the incident to the Federal Trade Commission, and notified our XXXX XXXX about the identity theft. The funds from the cashiers check were never restored to our account. In order for us to file a claim with XXXX, they needed documentation that reflected the fraudulent transactions, but since the accounts were closed, we were no longer able to access the bank statements. We have requested those statements from NFCU but have yet to receive them in the near XXXX weeks since the request was made. On XX/XX/XXXX, we called NFCU to check on the status of our claim and was advised we needed to fill out a form to begin the claim nearly a month after we first notified them of the occurrence!! As stated before, we discussed this information with any number of fraud department agents for nearly a week and no one mentioned a form needing to be filled out. We have done business with the NFCU for thirty-two years and expected a problem of this magnitude to be handled professionally and in a timely manner.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I was under the impression from Navy Federal that if I paid my old debt from XXXX plus years ago I would be able to gain membership again. I paid the XXXX dollars to the branch in XXXX sc. I then wrote a letter to the Ceo who then just passed it off to someone else who passed it on. I was then notified on Thursday XX/XX/XXXX th that since the bank took a loss the would not be reinstating my membership with. Navy Federal. I then asked for a refund of my money they then transferred me back and forth for over XXXX minutes and when I finally asked for a supervisor they hung up on me. At this point I don't want my membership back I just want my XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28147
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The Navy Federal member deals portal had a promotion where new XXXX drivers would receive XXXX rewards points to their 'More Rewards XXXX XXXX XXXX card after signup and XXXX completed delivery. I completed this offer around the XXXX of XXXX, but received no rewards points. On our around the XXXX of XXXX, I reached out to Navy Federal over the phone, and was transferred to different departments before I was told further documentation would need to be provided. I was told that I would receive a call back within XXXX business days, but never received said call. On the XXXX of XXXX, I received a message in the Navy Federal app asking me to attach supporting documents to assist in the case. I provided bank statements showing the initial deposit from XXXX, the XXXX welcome emails, copies of the background check used by a XXXX affiliate, and so on. On the XXXX of XXXX, I received the same automated message, asking again for the same information which had already been provided. As of today, XX/XX/XXXX, I have still not received the rewards points or any further correspondence. I have spent over XXXX hours on the phone with the different Navy Federal departments, and spent even more time going out of my way to gather the information they requested. I completed the promotion in it's entirety through the Navy Federal portal, and have provided more than enough information for this issue to be resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78250
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
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: This was a painful experience as I was suddenly XXXX with an XXXX XXXX as a result of a previous XXXX XXXX during this ongoing pandemic. Because my cards were frozen during my most recent billing statement, I was unable to use the funds available to me and my XXXX XXXX was further injured in the process. Navy Federal is supposed to be dedicated to their clients financial well-being as XXXX. Ive been a loyal customer for more than a XXXX while keeping a stellar credit score and maintaining a wonderful business relationship, I was let down with this one.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XXXX XX/XX/2022 I called Navy Federal Credit Union to be informed that my credit card was cancelled despite my honoring the payment arrangement. They closed it without notifying me in any capacity. Further, upon realizing error the woman I spoke to on the phone was nothing less than vicious in her demeanor and refused to provide any assistance. When I asked her to refer to the previous calls to verify the payment arrangements she chuckled and said oh no I aint got access to that, thats only some other people.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77901
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX & XXXX XXXX XXXX XXXX put late payments on my account. In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S Code & 1681a - Definitions ; rules of construction- Exclusions-Except as provided in paragraph the term '' consumer report '' does not include any report containing information solely as transactions or experiences between the consumer and the person making the report 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23831
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I reached out to Navy Federal Credit Union on XX/XX/2022 to see what my options were for closing my checking account, at that time i was also asked did i want to close my savings account. My intent was to rectify in some way the reoccurring fees to my checking account that i could no longer use due to the balance and lack of deposits. in addition after being asked did i want to close my savings account I was reluctant but I was not using it either at the time so I agreed, the agent went forward to close the accounts without clarifying details that the savings account was attached to the XXXX XXXXXXXX XXXX XXXX which I was not attempting to close at that time After finding out my credit card will now be unusable I was also informed the process could not be reversed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A