Date Received: 2022-11-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Navy federal Credit union, transferred money from my money market account to my checking account with out my permission. When I contacted the bank, they refused to put the money back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi, XX/XX/22 I received a check for {$10000.00} Check # XXXX XX/XX/22 I deposited the check into The Navy Federal ATM New location in XXXX MD. Address : XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXXlater that day I saw my accounts were all frozen. Called and could not speak to Security because they were closed until Monday. XX/XX/22 Called Navy federal Security Dept they told me I was permenantely banned and that I submitted a fraud check. Said I couldn't do nothing about it or talk to anyone else. I told them to verify with the bank and they can call the person who wrote it. They did not verify or want to. I felt attacked and penalized for no reason even if there was a typo I could of easily got a wire or it reissued. I was treated like a criminal over my money. XX/XX/22 Navy federal cashed the check and took the $ XXXX from the XXXX XXXX account and revoked all access from mobile banking. XX/XX/22 I called back to tell the Security Dept that they cashed my check and to inform them again that it wasn't fraud especially since they now have my money. I sent in an appeal letter to the bank but they wont ' get back until 15 days. I am trying to make sure they return the check asap. On the phone they told me it was fraud and that it was being retuned to sender, never said they were going to cash it and keep the money. XX/XX/22 I feel like I've been robbed. They called me accused me and lied to me, took my check and revoked my access to my money. I never had a bank do this to me even if the check had an issue it could have been a simple hold on the check until further verification. I feel profiled and like this entire process was bias. They closed my checking and savings for my personal and business accounts without even a simple phone call. I guess they couldn't trust me even with a legit business on file. I am truly heartbroken and disappointed in Navy Federal. I was transitioning my money over from XXXX to Navy Federal and they just cancelled my accounts with no hesitation. I am waiting on this money to be returned asap to I can get a new wire for my $ XXXX. So now I have no bank account and no way to get my money. Please help I have a feeling Navy Federal is going to drag this out way longer than 15 days and will play these games of " nobody has a clue '' what happened to the check. Please see my attached proof and appeal I sent in.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had an active credit card with Navy Federal, and this time Navy Federal refuses to return {$120.00}, back to an external account from which an, authorized monthly payment was made by a third-party associate. Navy Federal rejected that payment on an unfounded basis that the payment stemmed from fraud and closed the credit card on that basis. Navy Federals actions to close my credit card resulted in adverse, irreversible actions to my credit report. Lastly, Navy Federals actions are blatant, and evidence of this lies in the fact that they have refused to respond and ignore my written inquiry.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am a family member of a veteran who has passed away during world war 2 my grandfather. I am applying for navy federal credit Union because this seems to be the only bank I can put my savings into without any more worries. Unfortunately they permanently closed my account. They made sure I could not ever open one up. At first they approved me. Asked for payment. And I submitted my proof of identity. I also gave them my card information. They even mailed me my access number and suddenly permanently closed my account. I called and the workers are discriminating me. I also went to the branch and still no help. I honestly wanted to bank with them to have protection over my income.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2022 someone use my information to open a credit card, spoke with XXXX they will not help even with police report I did not open this account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
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: On XX/XX/2022, I purchased a desk top computer and software, XXXX XXXX from XXXX XXXX. But during the purchase process, there were problems, and so I cancelled the order by phone with XXXX XXXX. The told me it was done. However, the XXXX credit card I have with the Navy Federal Credit union was still charged the full amount for both products {$900.00}. I called XXXX XXXX again and told them I had cancelled both, and they said they would take care of it, however, they only credited the amount of the desk top {$850.00}. The charge for the XXXX XXXX was not credited. I went into XXXX XXXX website and chatted with a representative, who told me that that was a separate charge done by XXXX and I would need to call them, which I did. They told me that XXXX XXXX charged the amount, and therefore they were the ones to deal with. The problem however, is with the XXXX XXXX XXXX XXXX I notified them by their website, sent them a copy of the receipt, copy of the XXXX statement. They declared that wasn't enough, that I would need to send a cancellation of the software. I obtained that from XXXX XXXX, and forwarded it to them. They said that the cancellationn of the software didn't indicate the amount and therefore they could not approve the discount. When in fact, the XXXX statement reflected the whole transaction process. They have since closed my request. And I don't know why. All I want is the refund {$53.00} credited to my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85365
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ive had fraud on my account which the bank refuses to accept that is not my fault. They wont give provisional credit or approve the fraud charges. I have direct deposits that come in every Thursday night, and the bank is flat out refusing to stop the direct deposit. Because of that, I wont be able to access any of my deposit because they want to keep the money. I know they can stop the direct deposit, so my company can put it in my other account but the bank refuses to allow this to happen. The complaints I found online shows that they have done this to numerous other veterans, and its not right.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19355
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
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 try rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : 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 to 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: 23320
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Regarding unauthorized charges too the account ending in XXXX. There have been varies XXXX made to this account. I'm trying to have the XXXX charged back. Neither, I or anyone authorized by me made those charges. I need help to obtain these XXXX charged back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX Of XXXX I reported to CFPB In regards to the Navy Federal account ending in XXXX. XXXX and XXXX at XXXX Between XXXX and XXXX Eastern Time, XXXX Navy Federal is still Reporting incorrectly to all Major credit bureaus. On XXXX I spoke with a representative confirming all what I have paid and what was still owed, The representative confirmed I have made XXXX in Payments to the above referenced company not one payment has been reported to the bureau. Monthly the payments are showing CO which stands for Charge OFF. The balance on the report shows XXXX the representative told me on XXXX the balance was XXXX. The report has a total of XXXX late months " XXXXXXXX XXXX months '' which means would mean I never made a single payment ever on the account. The account was settled XXXX which they stated in the response in the last complaint. so if I have made payments why would my account balance not reflect the payments made or the arranged balance. I have attached correspondence from XXXX and XXXX. All Items in Exhibit B are inaccurate, invalid, not timely and carry no documented evidence of the true and accurate facts. To the least they have not been authenticated as per my rights or requirements you are damaging my character, creditworthiness and well being by falsely reporting balance and being non complaint reporting unverifiable account information. Exhibit A - Corresopndence from XXXX and XXXX stating the balance owed as of XX/XX/XXXX Exhibit B- My XXXX Credit Report That shoes 59 negative payments and a incorrect balance owed. The payments the have received for the last 2 years are not reported.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A