Date Received: 2022-10-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have a navy federal account and 4 months ago i got sick with XXXX XXXX and i was in XXXX for 2 and a half months when i was in there Navy cancel my debit card so my family had no way in deposit to my account and i got hit wirh over XXXX worth of fees over draft
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
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: In XXXX XXXX three friends and I found an apartment unit in downtown XXXX on XXXX to rent for {$430.00} from XX/XX/XXXX to XX/XX/XXXX for our spring break trip to XXXX. The photos and reviews of the apartment seemed nice, so I booked the unit with my XXXX credit card XXXX on XX/XX/XXXX through XXXX website. However, when my friends and I arrived, we discovered that the apartment was not as advertised, and soon realized that most of the photos and reviews were fake. The windows were broken, the bathroom was in utter disarray, the bed and floor was dirty, the unit did not fit four people as described, and there was trash and XXXX all over the place. The host had billed an additional {$300.00} deposit " refundable only if we stay '' from my XXXX credit card, which was not brought to our attention before we rented the unit, so we had no choice but to stay at that dilapidated unit. After the second night, I found multiple rats had infested our unit and took photos. They chewed through our food, chewed through our electronics, and left dung all over the already dirty floor. We decided to move out early, and I had to do basically all the cleaning even though the host had charged me over {$120.00} in " cleaning fees. '' I confronted the host about all this, and the host even refused to refund me any portion of the {$430.00} stay! I immediately tried to escalate with XXXX customer service and file a chargeback through my bank, Navy Federal, in the weeks after the stay but the dispute was denied. This XXXX unit was an utter scam for {$430.00} and tarnished the reputation of XXXX in my eyes ; I could've found many 4 star hotels in XXXX that are cleaner and nicer than this XXXX. If this is the quality of units and hosts that are on XXXX, then please, I do not want to ever use XXXX again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
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: I have sent a copy of my police report detailing my whole purse was stolen and all items were in it. I am being charged more interest each month my credit card bill is going up although I have an active appeal and theres no new charges that have been made. I have been credited {$270.00} for XXXX charges XXXX I disputed as fraud in calling back daily to add charges they have forgot about even though on XX/XX/19 everything is listed in an e-message I have an outstanding $ XXXX charge and {$2700.00} charge for XXXX XXXX XXXX now told they are treating it as an appeal and not giving provisional credit although they left these two charges out months ago I Just got confirmation it was added to my claim in XXXX I pay my bill monthly interest a d all and this is just not fair to resolve this and I keep paying higher bills its my understanding during a dispute they wont charge all this interest its my understanding this is zero liability for fraud I love this bank my son husband all use it in a victim of identity theft and have had to deal with other companies to rectify charges get new identification etc by far this is the hardest and worst experience I have anxiety calling the bank now and am thinking about switching all my business from this bank as its not fair whats going on Im giving no time limit for resolution Im over credited for a transaction missed several other transaction its affecting me the amount of time Im spending on this
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit report act XXXX account XXXX has violated my right. 15 USC 1681 section 602 state I have the right to privacy 15 USC 1681 section 604A section 2 its also state consumer report agency can not furnish an account without my written permission. 15 USC 1666b a creditor may not treat a payment or credit account under plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Navy Federal closed my business account unfairly. I tried calling them to understand but they did not provide me with an actual reason why they closed it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX account has shown up own my credit report fraudulently. The account shows a balance of {$2000.00}, which I had to call and settle with the company just to purchase my home last year costing me thousands of dollars. This issue almost cost me owning my own home. I disputed the fraud account XXXX and XXXX has taken off the fraudulent account, XXXX on the other hand has not removed the account that is hurting my credit score and reporting falsely on their systems. I have disputed this item multiple times. I even attached an FTC report and filed another dispute XX/XX/2022. Those result came back as updated. This item is detrimental to my credit profile and is against the CFPB. My credit profile is my financial representation and this false and fraudulent account is harming any new possible opportunities.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We have recently applied for a mortgage with Navy Federal Credit Union, approximately one month ago. In the very beginning we sent the loan processor our paystubbs and she was aware of our employment status ( my husband W2 and myself 1099 ). She then forwarded our information to the underwriter who which had our file for more than a week before notifying us that we were not approved due to me being a XXXX XXXX They have known that I work XXXX for one month prior to them deciding that they were not going to approve us for our loan. They advised us to pay for the appraisal during this process, so we did and it was performed ( prior to them giving us an approval and already being aware of our employment status ), so now we are out money for the appraisal. We have had multiple loans with NFCU in the past, never missed any payments, and my husband and I both have strong work histories. I believe they are in the wrong to not only deny us for a mortgage loan, but also have us pay for an appraisal prior to them even looking at our file to see if we even qualify before we paid out money to appraise a property we would never have a chance to own. I believe their mortgage loan processing practices are not ethical and I would like for someone to look into this for me. We have lost much time, money and heart over this past six weeks.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36532
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XXXX XXXX Loan # XXXX It has recently come to my attention that there may be defects in the original contract that was entered into when the above-listed credit account was established with a Navy Federal Credit Union XXXX which may invalidate our present agreement. According to XXXX, the definition of a Finance Charge is The sum of ALL charges. The Truth-in-Lending Disclosure that I was provided with states that the Finance Charge is The dollar amount that the credit will cost you. These two things are not synonymous and do not mean the same thing. This is recognized as an error in disclosure ; therefore, it qualifies as a criminal act of giving false or inaccurate information because you failed to provide the information required by law to disclose. By not telling me the Finance charge is not the sum of all charges you did not give me proper disclosure of the material disclosure that is required under truth and lending. Which in turn means that I did not have adequate notice. Upon discovery of this deceptive and unfair practice, this resulted in a misleading representation of me as the consumer. This willful negligence to disclose truthful information has led to the conclusion that a truthful credit transaction did not occur. Because I was misinformed, there was no meeting of the minds in this transaction ; therefore, this contract is considered null and void. According to XXXX XXXX. XXXX ( g ) ( b ), a creditor who fails to provide verifiable proof of an alleged debt within ( 30 ) -calendar days forfeits their right to further collection activity and repudiates the debt. I will expect your response to my demand for the correction of your errors or the documents requested above within XXXX calendar days of your receipt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36575
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
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: AFTER SEVERAL ATTEMPTS TO RESOLVE THIS MATTER WITH BOTH THE BANK AND THE HOTEL WHERE I STAYED. I HAVE NO RESOLUTION. I WAS DOUBLE CHARGED MY STAY AMOUNT OF {$1100.00} ON MY CREDIT CARD STATEMENT. I HAVE ATTACHED DOCUMENTATION TO SHOW THE DUPLICATE CHARGE. AS WELL AS EMAIL THREADS SHOWING THAT THERE SHOULD ONLY BE ONE CHARGE OF {$1100.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: PLEASE REVIEW MY PREVIOUS CLAIM Please read and see images XXXX and XXXX to reference. XX/XX/22 i was charged XXXX twice. That would be from image XXXX XXXX equals XXXX for XXXX travelers. Also XX/XX/22 i was charged XXXX XXXX times ( refer to image XXXX ) that is XXXX for XXXX XXXX. On XX/XX/XXXX XXXX was charged for XXXX travelers please refer to image XXXX for XXXX Also XX/XX/XXXX XXXX was charged for XXXX travelers for XXXX Then XX/XX/22 trip protection XXXX and XXXX The additional charge of XXXX from united is unauthorized and unaccounted for. The other images i sent show the total for both receipts which comes to i believe XXXX and XXXX that is XXXX and as you can see on my statement i was charged a total of XXXX PLEASE REVIEW MY PREVIOUS CLAIM There is {$280.00} inaccounted for. Please look at images. I had XXXX purchases from XXXX for XXXX XXXX XXXX XXXX XXXX. Both receipts are attached and you can see what inwas charged and if the charges are totaled uo i was charged a extra {$280.00}. You can even see the XXXX rep say that charges is unaccounted. I have disputed this XXXX time already and no one has taken the time to review the actual fact. I keep having to take time out of my work day to call and its causing me major stress and anxiety. If this is not resolved I will be taking this to small claims court.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 19904
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A