Date Received: 2022-09-27
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: In XXXX of 2022, I set up a payment plan to payoff a credit card debt I had with Navy Federal. my first payment would have been XX/XX/XXXX, however my funds that I was going to receive, arrived late than the expected date. On XX/XX/XXXX, my taxes finally came through. At this moment, I only had a Savings account. The representative Witheld information regarding opening up a checking account. I was told in order to transfer funds, I would have to open up a checking account. The representative neglected to also state that if I opened the account, that they would take the funds. On XX/XX/XXXX, I seen the full amount due, taken out of my account. I called NFCU right away. Now I'm out of XXXX of dollars and I am currently being evicted and NEED the funds immediately. NFCU were not helpful and they told me they are not going to reverse my funds. Once they took the funds out of my account, they closed my checking account again. I had to call AGAIN for them to open my checking beck up. How does a company get to rob someone and then close their account? I wasn't notified they were taking my funds or closing my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 551XX
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 purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/22 - Purchased food from XXXX XXXX for {$99.00} XX/XX/22 - Duplicate charges shown on card for {$99.00} XX/XX/22 - Called Navy Federal Credit Union to dispute duplicate charge XX/XX/22 - Messaged & called merchant and they provided screen grab only showing XXXX charge on their account- the issue is on the Navy Federal Credit Union side XX/XX/22 - Called Navy Federal Credit Union again to resolve the issue but they advised to wait while their dispute department reviewed the claim XX/XX/22 - Visited Merchant in person to cancel the charge completely on the Navy Federal Card and paid with my XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/22 XXXX Called Navy Federal and messaged copies of the cancelled item and confirmation receipt of different payment method XX/XX/22 - Called Navy Federal Credit Union again - will not issue a refund XX/XX/22 - Received message from Navy Federal that they are closing my claim since they show a credit of {$99.00} -- still outstanding charge of the duplicate charge for {$99.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy Federal Credit Union XXXX SUBJECT : Navy Federal Credit Union has frozen and denied access to my accounts without notification or justification. It has been over a week without explanation or assistance. This is so unfair and unwarranted. UP FRONT : I opened these Navy Federal Accounts while on active in XXXX. I used my XXXX XXXX military ID and was afforded all the " XXXX XXXX '' privileges with that status, including ATM fee reimbursement up to {$20.00} a month for most transactions within their network. In XXXX, my military retirement direct deposit began. They requested a copy of my drivers license, military retired ID, and a copy of my XXXX. I provided each which remains current and on file with the bank. My name and rank are correctly listed on all the profiles. XX/XX/XXXX XXXX ) I called the customer service number to inquire about a - {$1.00} due on a savings account I have never used. Which is suspicous. The representative said it was due to unpaid ATM fees owed. She would transfer money from the checking to cover the costs. I asked why am I paying for this ATM fee, where did it come from, how often have I been charged these such fees? XXXX ) I was transferred to another agent who was literally belligerent when I asked these same questions. Insisting I was member only since XXXX. I told him that was incorrect and requested an audit of the charges. He was dismissive and then suddenly aggressive to my simple questions saying, " We don't do that. I can send you statements. Would you like the statements? '' I called again requesting to speak with a supervisor who can answer these questions about the ATM fees charged to the accounts. XX/XX/XXXX XXXX ) The supervisor called. I requested an audit into the amount of ATM fees taken out my account over the years. The conversation was " we don't do audits for ATM fees, I did a quick calculation and its approximately {$170.00} since the last two years. We can only go back two years. You are not allowed reimbursement because you are a " regular account not active-duty/retired '' checking account. You never requested to be active-duty/retired. There is nothing else to do. I am the supervisor. This is the end to this. '' 4 ) Of course I was stunned. Navy Federal is obviously conducting predatory banking practices with these accounts. Why is my request for an audit into the ATM fees charged so blatantly denied? Why is the investigation into why my account was not longer considered " active-duty/retired '' changed without my notification after so many years. Even as the XXXX direct deposit has been consistent every month since XXXX, why was my account discredited to benefit Navy Federal. This was obviously not in my best interest and the reason most use Credit Unions, to avoid predatory banking practices. To dismiss me with " you didn't ask for XXXX XXXX '' is such an unethical means to swindle long-term customers with these rude practices. The fees were taken from a military XXXX direct deposit, the only source, since XXXX. Again, I understand not all ATM fees would qualify their network. Yet, all transactions were charged because I was not labeled/considered " active duty/retired. '' This is so infuriating the abject abuse. Saturday, XX/XX/XXXX XXXX ) Suddenly I noticed online and app access to my accounts were denied. I called the XXXX number and after a length - verification process and phone codes sent- was told " it's suspected fraud activity. An email was sent. '' I insisted I never received this email and certainly would have responded to fraud or anything denying access to my accounts. I was not notified via text, email, app nothing ; and I am very active on each. They offered no other information or assistance. Told me to call the security department, same number, from XXXX XXXX M-F. I did and despite the urgency I was transferred and transferred and on hold for over 2 hours and 30 minutes. I have screenshots. When the security department finally answered and the- verification process and phone codes sent- the response was " there is nothing we can do. this can NOT be resolved over the phone. THEN SHE DISCONNECTED. I was stunned. Monday, XX/XX/XXXX I'm told to go to the nearest Navy Federal location with ID. I am 40 minutes away from the nearest branch in XXXX Virginia. Finally, a representative tells me I can secure message a " one-page letter, pdf. with ID, account numbers, 3 signatures, etc. '' I did. Days later they secure message back saying, " you need to change your code. '' I do not and never had this code they are demanding. Repeat. I never had a code. So, I created a code and repeated the process of the one-page letter pdf. attachment to secure message. Monday, XX/XX/XXXX Still, my accounts are frozen and access denied. So many questions and no assistance. This is unprovoked malicious, let alone suspicious behavior of these banking officials. I have submitted written request ( s ) for an audit and an internal investigation into the handling of my accounts. Please assist with the oversight as I am being dismissed w/ accounts frozen for no apparent reasons.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Navy federal has damaged my Credit with late payments on all the credit reporting agencies to scare me into paying a debt I do not owe. I sent XXXX XXXX XXXX DBA navy federal my rescission back in XXXX of 2021 rescinded my signature from the contract and navy federal continues their deceptive business practices to collect a debt not owed. Pursuant to 12 cfr 226.15 I have a right to rescind any contract but I was never informed I had this right so I enforced it as soon as I read the law. Navy Federal never loaned me anything of value 12 usc 1431 says that banks are the borrowers. I the consumer extended navy federal credit and they are coercing me to re-pay an extension of credit by jeopardizing my consumer credit reputation with other financial institutions is text book extortion. I also sent navy federal ( XXXX XXXX XXXX ) a cease and desist and navy federal has yet to comply with my demands in the cease and desist. This is a criminal violation of 15 usc 1611for willful and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. This is extortion and I want get my remedy immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXXXXXX XXXX acct # XXXX opened XX/XX/XXXX XXXX {$1200.00} -- - account number is incomplete and is not my account XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX Balance {$1700.00} -- - account number is incomplete and is not my account it has been over 7 years that it has been reported navy fcu acct # XXXX opened XX/XX/XXXX Balance {$16000.00} -- account number is incomplete 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. Failure to remove these accounts immediately will result in a {$1000.00} fine. Note that a copy will also be sent to FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Navy Federal Credit Union without my knowledge or consent, withdrew funds from my savings account for a defaulted account that is over 5 years old which, in the state of Florida where I reside is past the statue of limitations. I did not agree to this or, had any knowledge of the transaction ( s ) being performed. When I phoned customer service, I was told that there was nothing they could do about it and when I asked for them to send me a copy of the original agreement that allegedly gives them authorization and/or permission to do this, I was told that " they don't do that ''.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi I'm writing because I've had account mishandling where my gov pension has been being deposited in my account and an my debit card is being treated like a secondary holders card and when I opened it I told them there are not to be no other users by no one current wife or no one I back in XXXX or XXXX opened the account that was never closed properly in XXXX at the XXXX XXXX branch as I requested due to someone bought shares into the branch that I couldn't see there is a woman with another branch card or personal identifying card of mine an it was linked to my checking not by me and in XXXX at the XXXX XXXX in XXXX XXXX XXXX where the branch manager opened the account was told no one else was to be on the account I was at the ATM to make one a XXXX dollar with draw saw a special veteran benefit deposited in my account around XXXX dollars and the other cardholder withdrew XXXX and the account immediately closed I alerted the branch an call the police where I was disrespected and was told to leave the branch this mishandling that has been going on for yr since I opened the account all money electronic deposits were for me and I received none of my payment for a yr and all money traveling threw the account has fraudulently been given to someone else I'm reporting full bank fraud on all transactions at this bank my device for reviewing secure text messages was stolen and I believe my still be actively being used I'm requesting a full investigation of all transactions in this account and am claiming full fraud and mishandling for every US Dollars traveling thru and transfers an Im asking that you look at cameras to stores transfers and electronic deposits a woman is behind this and as well a girl XXXX XXXX filed a fraud marriage being investigated by the FBI when she got info that I would be receiving pension veteran payments the best mailing address til I get a secure post office box for this moment I do not have and can only receive message and text to XXXX best to text and leave call info or message or XXXX I'm getting my LLC and opening with a different bank please know I only open the accounts deposited XXXX in XXXX withdrew that XXXX and withdrew XXXX dollars all at the branch all moble transactions are fraud as well as all those deposits were stolen please assist if u have a office I'd rather self represent and I and a active federal employee thank u for all your assistance call or text anytime u may have to try more than once thx XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76201
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XXXX of XXXX, I applied for a mortgage loan with Navy Federal Credit Union ( NFCU ). Shortly after, I was able to see a pre-approved amount of $ XXXX within my online banking. The application was not yet complete. I had to gather more documentation from my job 's HR department. While doing this, I started getting symptoms for XXXX and ultimately XXXX XXXX. I was feeling very ill for weeks. Once I was able to complete my application, I provided all the correct documentation. I was denied by loan officer, XXXX XXXX. I attempted to contact her multiple times by phone and left messages after I found out I was denied. I received documentation stating that it was due to my credit and incomplete application. XXXX XXXX never returned my phone calls, so I sent her an email. She finally contacted me back. She directed me to send an email to appeal the decision and she would get back to me. I sent in an email as requested. She let me know that my application was actually completed but, I could attach additional information if I wanted. The comment about the application being incomplete should have never been inserted. I decided to attach my 401K balance just to show additional funding even though my consumer accounts held more that 15k at the time of my application. Along with additional funding, I sent in an explanation of why the mortgage would help. I was trying to relocate to the XXXX XXXX and wanted to stay in an inexpensive first-time home. This would eventually help me be a home owner and I could one day rent the home for additional income ( creating wealth ). This created another waiting game. I had to contact XXXX XXXX again and again. She finally contacted me back and let me know that I was denied. I asked why and she stated it was because of my credit. I asked for details and she then changed and stated that it was because of a delinquency. I did not have any outstanding debt at the time of my application. I continued to ask for details. She then states my credit score was actually ok and that it may be because of a past debt. I told her again that I did not have debt and had not had a late payment in years. She apologized. She sent another denial letter and it basically stated again that my application was not complete and because of my credit score. This let me know that she was taking it upon herself to deny my application and did not properly escalate my appeal. I was discriminated against. I believe due to my race, illness, and the area that I wanted to live in. I attempted to contact NFCU again in XXXX of XXXX. The representative stated that XXXX XXXX must have deleted my application because he could not find it. Then I was emailed another duplicate denial letter directly by XXXX XXXX. She intentional is trying to hold me back from financial gain due to her own beliefs and prejudice. Shortly after the denial of my application. NFCU began sending me pre-approval letters for mortgage and I still receive them to date. My credit and income had not changed however, I received these offers over and over.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28217
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy Federal, I still practicing non-faith acts. I was told it would like 90 to 120 days to refund me the funds taking out of my account. I have attached documents that show XXXX issuing the refund and as you can tell it keeps getting reversed. I would like to the bank in question to not only refund me the amount of {$300.00} within the next XXXX to XXXX busniness days. ( E ) STANDARD MAXIMUM DEPOSIT INSURANCE AMOUNT DEFINED. -- For purposes of this Act, the term " standard maximum deposit insurance amount '' means {$250000.00}, adjusted as provided under subparagraph ( F ) after XX/XX/XXXX. Notwithstanding any other provision of law, the increase in the standard maximum deposit insurance amount to {$250000.00} shall apply to depositors in any institution for which the Corporation was appointed as receiver or conservator on or after XX/XX/XXXX, and before XX/XX/XXXX. The Corporation shall take such actions as are necessary to carry out the requirements of this section with respect to such depositors, without regard to any time limitations under this Act. In implementing this and the preceding 2 sentences, any payment on a deposit claim made by the Corporation as receiver or conservator to a depositor above the standard maximum deposit insurance amount in effect at the time of the appointment of the Corporation as receiver or conservator shall be deemed to be part of the net amount due to the depositor under subparagraph ( B ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: After finding out that I am being scammed by XXXX XXXX for {$5000.00}, I tried to get in contact with XXXX XXXX, the owner of the company. XXXX has not answered any of my calls or returned any of calls. Then I reached out to Navy Federal XX/XX/XXXX to initiate the dispute. On XX/XX/XXXX, they stated that due to me sending the money to the company, this does not constitute for fraud. I explained to them that the company misrepresented themselves and had me send money to another company. They also stated that because its a scam, the automatic clearing house ( ACH ) will not accept it because it being a scam. They suggested that I take this to civil court. On XX/XX/XXXX, I reached out to XXXX for assistance but they redirected me to Navy Federal. On XX/XX/XXXX, I tried to reach out to XXXX to XXXX and I have not received any calls from him. They alleged that they are working on my XXXX warehouse but I have not seen my inventory sent to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A