Date Received: 2022-11-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/2022 navy federal credit union transfer XXXX to a credit card that my husband was past due and we had the money save up of XXXX in our savings account and when we went to go try to pay it online it was not there no more this was on Saturday ( XX/XX/2022 ) the guy we were talking too told us that department was close was will be open on Wednesday to call then. So when we went to check the bank accounts everything was gone. They dont call us to let us know our money was taking away. Then like couple hrs late we get a call. We call the bank to tell them what was going on why we had no money and no one couldnt help us into one lady was disrespectful telling us thats XXXX you lost your money and you cant get it back before hinging up the phone on us they can keep the XXXX. But we want our XXXX back we need someone help bc this its XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78542
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There has been an ongoing identity theft dispute with Navy Federal Credit Union for the last year plus concerning 2 credit cards opened and used fraudulently as I am a victim of identity theft. NFCU on XXXX initiated a transfer of {$4100.00} without my prior consent or permission for the total of the credit cards that are currently being disputed. This violates several of my consumer rights per the FDCPA, FCRA, and XXXX as they are making collection activity while the account is in dispute, in addition these accounts are reported as being charged off on my consumer report which is causing me great harm and suffering as I am unable to extend credit as a result of inaccurate information being reported on my consumer report. There has been an ID theft report submitted from local law enforcement, an FTC report in addition to an ID theft affidavit. I have also provided previous notice from a former employer of a data breach of my SSN and previous address which these accounts were opened under.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX I receieved an email one or more of my account were overdue. I was unable to pay via a transfer from my XXXX XXXX to Navy Federal. I pay all Navy Federal through their built in External Financial Institutions connector and auto pay. on XXXX around XXXX, I contact Navy Federal to clear this issue and talked to XXXX XXXX I was able to pay only over the mobile app. I inquired how I was 2 months late.They told me there are complications with external financial institutions that can cut off the connection. I was given an array of reasons that boiled down it " It's complicated '', no specific reason was given, even though I asked more than once. The only correspondance I recieved from Navy Federal is when my account was 2 months overdue. I requested as to " when '' my auto-pay was turned off, they could not tell me. They also did not tell me " why '', other than a plethora of potential issues. There have been 0 notifications from Navy Federal via Email or Emessages ( in app or website notifications - I have screenshot ) to tell me an entire montly payment was missed. I will now have late payments on my credit reports. This connector has turned off in the past, and I thought it was a fluke until today. I can't expect them to fix an entire system that does not notify a consumer of a missed payment. I expected " auto payment '' to auto-pay and notifiy if the monies were not recieved. I am now 2 months behind and a pretty heafty bill I have to make room for. I've since paid all late balances via Navy Federal mobile app. I have also been advised of sure way to pay this bill without bounceback. They do not recommend using the built in connector, even though this is an option clear label it will fail at random times for no reason. XXXX stated the external banks can be read wrong and it will fail out. If I had known of this issues, I would not have used a method they allow to make auto-payments that may " sometimes '' fail without any reason they could give me difinitively over the phone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a XXXX XXXX member and on XX/XX/XXXX I deposited XXXX checks totaling in the amount of {$45000.00} into my account on behalf of my friend/roommate The funds were made available Thursday XX/XX/XXXX I attempted to withdraw the funds on Saturday XX/XX/XXXX however the location did not have the funds on hand to give. Monday XX/XX/XXXX I called in to confirm if that same location had the funds and was informed that my accounts had been frozen. I was informed the reason is because my roommate has her own account at their institution and it looks suspicious that she didnt just deposit the checks herself & I have also been told that my account is under permanent restriction because of that and thats completely ridiculous. All of this was shared only after I tried to make a withdrawal, the bank provided no prior warning.As a loyal customer, my business should be valued at a higher standard than this, why do I feel like Im being treated like a criminal? The information I provided can be immediately verified. Both checks are valid. There is nothing fraudulent about this transaction and no laws have been broken. My roommate is not bank savvy so she asked me to do the transaction. I should not even have to explain that when no laws have been broken. We were depending on that money to pay our expenses. I was told we have to wait 5 business days until the investigation is completed. By that time my rent will be late. Ive already had to borrow money for food for the last XXXX nights. This is an outrage and the bank does not seem to care. I have even provided them with a signed statement from my roommate with her ID as well as a copy of both checks. Please advise me on next steps. I can be reached at XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was used to open a fraudulent account with a credit union named Navy Federal Credit Union in XXXX, VA. The balance is {$7500.00} on a credit card I never opened. I have never been to Virginia. I also called them along with XXXX to file a second complaint with this issue. There is also someone elses address on my credit report which they say they will be removing. I need to resolve this issue immediately because its affecting my credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 transactions or experiences between the consumer and the person making the report ; 134 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. Regarding XXXX XXXX and Navy Federal
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: All charges from XXXX XXXX are FRAUD
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Around XX/XX/XXXX my vehicle and debit card were stolen. The criminal withdrew over {$1500.00}. I froze my card and eventually reported it once I dealt with other things, stolen vehicle, moving, separation, single mom, etc. They refused to give me provisional credit, even though I was told I'd get one within 10 days. They denied my fraud claim and never told me. I called to check up on it and they asked for the police report ( never telling me it had been denied ). I followed up again and was told about it being denied. I had to send the police report again. I followed up and was told it was denied. I appealled it ( when i sent the police report the second time ) and requested the investigative evidence the fraud dept. used in their decision, and was ignored, but sent a letter denying it once again, only stating that " they found no error occurred ''. I spoke with many supervisors and even left a message with a supervisor 's supervisor and they never got back to me. No one will let me speak with the investigative fraud department. I just did an eMessage request for the details of the investigation AGAIN and have not heard back. I don't know what to do. I need my money back. I know who stole my car and card and she is a known shoptlifter and whatever other crimes she commits. The bank is Navy Federal Credit Union.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XXXX XXXX i was called at around XXXX XXXX while i was still at work, a lady stated she was looking for XXXX, i told here thats who i was, she stated she was from navy federal and that i had an account that was negative $ XXXX dollars, i stated i was aware and wanted to take care of the account but currently could not because i had no way to make a payment due to not having my debit card with me, she refused to call me back in 1 hour, or allow me to go to the branch to handle this matter, i explained my situation, she was very rude in the matter and then stated several times she could only debit the funds from a diffrent account i have with there institution. I stated i would like to handle the payment either in the branch or to call me back in one hour, she refuesed and stated she would just take the funds out of my other account. At that point in time i stated i do not agree with that transaction and that i would only allow half of the amount be taken out and the other half taken out on XX/XX/XXXX. She never gave me her ID number or full name, or her location she was calling from, she never offered to transfer me to her supervisor or clarified where i agreed to XXXX XXXX policy to just take a payment from someone without there consent which she said she would do if i agreed or not. Once the payment is taken out on XXXX XXXX i will be closing my account with this institution due to there practices and i believe violations that occured during this single phone call, i have never had an issue with this bank until today when this employee called me!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 363XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I enrolled in Navy Federal 's OOPs overdraft protection program and Navy Federal did not cover any of the transactions accumulated in account during the last month of enrollment. The beginning of the issue was initiated by a XXXX account that was linked to my Navy Federal account. XXXX had attempted charges multiple times on several transactions and Navy Federal charged for overdraft fees accumulating over {$600.00} for transactions that was declined and did not pay for the transactions. Just for declining the transactions. I called Navy Federal on 2 occasions and was told that while it was evident that I did have protection on my account however it was nothing that could be done because my account was due to be charged off. I asked about removing XXXX to prevent them from attempting future debits and I was advised that I should consider fraud which would be illegal for me to do considering that I linked my XXXX account and initially gave permission to XXXX. I just wanted to revoke further privileges. On both occasions, Navy Federal employees demanded I pay the money out ( {$29.00} per 26 transcations0 because I was in the wrong even with protection on my account and {$0.00} actually being paid out to cover charges. My protection was not active and I am being liable for such which is unfair practices. I have since been denied online bank statements in order to compare my details to Navy Federal. I have been a costumer of Navy Federal for over 14 years, maintained over 7 different accounts with the institution, and have never experienced once had an issue especially an accountability with them until this instance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20723
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A