Date Received: 2022-09-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I was admitted to the XXXX XXXX XXXX XXXX XXXX resulting from a XXXX XXXX While under their care, my wallet ( containing my Navy Federal Credit Union access number ) and personal belongings were out of my possession. When I was discharged ( XX/XX/XXXX ), I saw that someone had forged my signature on the discharge papers and even spelled my name wrong. It was not a family member because the hospital did not allow any family members to visit me. My daughter brought a change of clothes to the hospital but had to hand them off to a security guard who gave them to me and the security guard had to escort me to the car to go home. On XX/XX/XXXX, my wife discovered that our Navy Federal Money Market and savings accounts were empty and they told her that I had withdrawn the money online, but I do not bank online. We filed a fraud claim with the credit union, contacted our other bank ( XXXX XXXX XXXX XXXX XXXX credit cards and learned all of our joint accounts were maxed out or depleated. I filed a report with XXXX XXXX Police, fraud report with XXXX, XXXX 'XXXX XXXX XXXX, as well as identity theft fraud report with Social Security, the FBI, and the XXXX XXXX XXXX I have also received numerous notifications of credit denials ranging from {$20000.00} to {$70000.00} from all over the country which I did not apply for. One of them was from XXXX and I informed them that I am not a member and did not apply for it and to mark it as fraud. I notified all 3 credit agencies and had my credit score/report frozen. I continued to receive credit cards in the mail ( which I did not apply for ) with credit limits up to {$5000.00}. I have contacted all financial institutions reporting the fraud and shredded the cards without activating them. Every financial institution involved has been very helpful in working to resolve this issue except Navy Federal Credit Union. The branch manager ( XXXX, VA XXXX, XXXX XXXX, was very rude. He even told me that even though the bank found some of the money from our joint account ( {$5500.00} ) and the claim was valid, Navy Federal would not return the money to our account, but we could still continue to bank with them. XXXX XXXX told us that the funds were unavailable, despite the letter from Navy Federal that I received stating that the {$5500.00} would be returned to our account. Thank you for your attention and help in this matter. Sincerely, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Getting a loan
Subissue: Denied loan
Consumer Complaint: On XX/XX/XXXX I was conditionally approved for a student loan through Navy Federal Credit Union. Upon receiving the approval I was asked to provide income verification for the loan that I applied for. I submitted a copy of my XXXX XXXX as proof of income as it was one of the options that I was given as proof of income. On XX/XX/XXXX they declined my documentation. They declined my documentation stating that it was beyond 60 days old and I needed to upload my pay stubs from the past 60 days. I submitted the documents they did request. On XX/XX/XXXX while reviewing my status of my loan online, I discovered that the documents that I submitted were also declined approval. I called and spoke with a representative on that date and they stated to me that they required a letter from my employer stating that I am still employed at my job. I obtained the letter from my employer and submitted it to the portal for them to review. XX/XX/XXXX I called Navy Federal again to review my loan application because I noticed that my letter was not approved. The customer service representative couldn't answer as to why it was not approved and said she would call back. I did not receive a call back. On XX/XX/XXXX I received an email from Navy Federal stating that my loan would be declined due to inactivity. I called Navy Federal on XX/XX/XXXX due to them not being open on the weekend. When I spoke to the customer service agent he stated that I needed to send my latest paystub due to XXXX of the prior paystubs being over 60 days out. I submitted the paystub and awaited approval. XX/XX/XXXX I noticed that the online portal stated that my latest paystub wasn't approved. I contacted customer service again on XX/XX/XXXX. When I spoke to the customer service representative they stated they needed my XXXX XXXX. Even after I was told my XXXX XXXX wasn't approved because it was 60 days out. On XX/XX/XXXX I received a call from a Navy Federal Credit Union Loan representative. The representative asked me was I on XXXX XXXX XXXX XXXX I told her yes and that I just had XXXX. She asked me when I was returning to work and I explained that I would be back in 3 to 4 months. She then asked me to upload any documentation from my doctor to show how long I would be out and something from my employer to show I have enough accrued time until I return to work. On XX/XX/XXXX I received an email from Navy Federal denying my loan application due to " Current income does not meet the minimum loan guidelines ''. It is my belief that my loan was denied not because of minimum income requirements but because I am on XXXX XXXX from my employer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27597
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My phone was in purse it was taken by some known to me she shelled herself XXXX. Bu using my Face ID password. I didnt XXXX this account at all. They took it back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60803
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I had a charge from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$390.00} XX/XX/XXXX. The hotel was brand new with amenities. The hotel stated they hand an indoor pool which is the reason I chose this one because I knew we would be staying inside the whole time. The pool was not finished and that ruined our stay for the kids which made it miserable for me. I disputed the amount with the hotel and with Navy Federal put neither company empathized with me as I se we wasted our money. There wasn't anything I could do during our stay because my Fianc was in meetings the whole time and we weren't able to change hotels.The clerk at the hotel told me they were still under construction. They should not have the amenities posted misleading customers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: I disputed with my bank navy federal. they denied all claims. I contact XXXX disputed and they denied. I sent the contract and all proff that I was scammed and the didnt nothing and held me fully respond
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hi my name is XXXXXXXX XXXX I had open an account with Navy Federal Credit Union been a Year and half now. My father was an XXXX XXXX and I had open and account with my father death certificate his social number on it and my Social Security number my ID Card in XXXX, XXXX and the one I email there XXXX. I faxed them my account information with a code number and they ain't contact me in XX/XX/XXXX. And I faxed again to there department on XX/XX/XXXX have receipts proof well it all started a bank teller that customer service when I called there number alot times she put the wrong code in the system a young lady done that to me and I been having direct deposit from my Social Security Income and they send my money back and no letter in the mail and I even spoke to an Managers four times even yesterday. I called this number XXXX and I been getting where they got my XXXX ID card I send them twice and they have my Old XXXX, XXXX Social Security number even a police report that my Identity Theft happin to me and the customer service said to me she said that they ain't help me at all and I send in to much to there department. I asked to speak to an General Manager and not never let me speak to no XXXX at all since that lady mess up that checking account I had and never mailed me a letter that the account was closed I even send some information to the Federal Trade Identity Theft department and what going on to I really want to let this place know what they have done to me my money went direct deposit and they send back to the Social Security Administration place back to XXXX XXXX to and I have bills over u got pay and never got a call at all by no Supervisor and General Manager at this Navy Federal Credit Union they what stealing my Identity Theft I mean this and I am going XXXX this Bank mean it my father is deceased been since XXXX and I never knew I will be done again by this kind bank that do XXXX, XXXX, Military peoples and family well my dad was in the XXXX XXXX XXXX, and two other Wars for United States Of America he was retired before he passed away I want to let this place what they have done to me and never gotten letter why my account was closed and it's there faught what that young lady done to me over the phone I got her name and date time when she done that to me and my money that I done a issues went on never got my money back in that account either with my debit card to at am Hotel where I did an disputed about and over charged to never got my {$100.00} back at all. Now my money going be returning and my bills is all behind.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
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/XXXX I paid {$15000.00} to XXXX XXXX. The contracted amount I was supposed to pay was {$9000.00}. XXXX XXXX XXXX had contacted me on several occasions to say additional work needed to be done. However, in none of these instances did he ever provide a written estimate for the additional work he said was necessary as required by law. Furthermore, because I criticized and called XXXX XXXX out for verbally disrespecting me for calling to find out the status of my XXXX XXXX that he had for over a month XXXX XXXX told me he would only accept a cash payment. XXXX XXXX charged me {$6000.00} over the agreed upon contractual amount. This is the amount being disputed. My complaint is against Navy Federal Credit Union for mishandling this dispute. The dispute was filed on XX/XX/XXXX. On XX/XX/XXXX I received a message from Navy Federal to upload supporting documents for this dispute and I did so that day. I never heard anything more from Navy Federal Credit Union. On XX/XX/XXXX I accessed the NFCU website to check the status of the dispute. The screen read there were no open disputes. I called Navy Federal and spoke with someone in disputes. She read through the notes and informed me she saw my documents uploaded and she also saw that the dispute had been closed. She saw no evidence that I had been contacted or notified at any time by NFCU. There was never a temporary credit issued. Disputes have a limited amount of time to processed before expiring.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I have had the financial institution of Navy Federal Credit Union, as my primary means to engage commerce since the late XXXX 's. I have experienced some health challenges that seriously impacted my functioning. The NFCU made the decision to close my checking account about XXXX. The account, remains closed to date. This eliminates any opportunity to I would have to engage in Point of Sale transactions with a debit card. I receive a compensation based on my military service and current health condition. The NFCU has always said once member always a member. Why is it acceptable that I do can not have debit card nor credit card, while my compensation is deposited my account? I have and continue to be shut out of engaging in commerce during a time that cash transactions are being less integral to daily life. I have attempted to resolve this matter in writing on the following dates XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. If you could assist me in this stalemate ; I would greatly appreciate it. No monies have been taken from me per se. However when NFCU sold account under name with the exception of my savings accounts, I have been limited to access proper nutrition, and all other aspects of my self care. As a XXXX XXXX XXXX of XXXX descent whom has XXXX to support the USA in the time of XXXX ; I have become dismayed. Is this what NFCU means by the mission is our members? Yours truly, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a few hard inquiries on my credit report from navy fcu and XXXX XXXX and I didn't authorize and I didn't give permission for my credit to be ran. I would like for those inquiries to be reflected as deleted off of my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Hi, I'm XXXX XXXX, I need your help to reachout to this company. I tried contacting them to verify howcome that someone opened up an account under my name. This is a very serious matter and I feel bad that it is now affecting my credit profile. I do not authorize anyone to use my name, date or birth or any information as it is also against Data Privacy. They need to find out who opened the account under my name and just transfer those information to that person instead. Please help me get this resolved
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21114
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A