Date Received: 2022-09-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card with Navy Federal application and was denied unfairly
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX between XXXX I deposited cash into the ATM machine @ XXXX XXXX XXXX XXXX ( Self-help Co-op ATM for Navy Federal Credit Union ) the machine malfunctioned keeping my card and {$1100.00} ( all XXXX bills ) without giving me a receipt. My account shows no record of the deposit. I called in and spoke with a rep ( XXXX XXXX who started a claim prior to me leaving the ATM location. XXXX issued a new debit card which I have received and stated that a provisional credit would be issued within 10 days. Claim ref # XXXX. On the morning of XX/XX/XXXX, I drove back to the XXXX XXXX at XXXX XXXX XXXX XXXX as suggested by another Navy Federal phone rep XXXX after discussing the matter on XX/XX/XXXX. XXXX XXXX also informed me that there was a new note on the account which stated that a provisional credit may be placed on the account between 20-45 days. At XXXX on XX/XX/XXXX upon opening of the bank I spoke with the security XXXX XXXX who remembered me being at the ATM and the branch manager XXXX XXXX who stated that the machine has not been functioning correctly for a while, other customers have had problems prior to the day of my incident, and last Friday XX/XX/XXXX & Monday XX/XX/XXXX someone was out to service the machine. According to XXXX XXXX XXXX XXXX rents that office space and does not own, manage or service the ATM machine. The bank manager stated that XXXX manages and services the ATM machine and Navy Federal should be reaching out to them to resolve this matter. Although no one has put an out-of-service sign on the machine XXXX XXXX states she does not recommend people use it until it has been properly repaired. I E-messaged Navy Federal to inform them of my conversation with the Bank Manager and uploaded a copy of the bank manager 's business card. Navy federal responded with an E-message that stated " Thank you for your follow-up, E-message. The provided information/documentation has been attached to your dispute claim for reference. If you have any other questions or need additional assistance, please do not hesitate to contact us. '' XX/XX/XXXX I called Navy federal to follow up on the claim and was told by XXXX that the claim had been closed stating the complaint was unfounded. I asked the rep to provide me with the information Navy federal received from the XXXX XXXX or XXXX to validate their decision but to no avail, the information was not made readily available to me. I asked if anyone reached out to XXXX since XXXX does not accept complaints from customers or pulled the video footage from the ATM. XXXX states she did not have that information. I also called XXXX who states the bank must contact them directly they can not work with me as a consumer to handle this matter. Therefore, currently, I am requesting the assistance of your office to settle this matter ASAP. I am a woman of integrity and a registered nurse who works hard for my money, and I'd like some assistance in resolving this matter please, and not to be made to feel like this did not happen to me. Thanks, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
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 contacted navy federal credit union faxed all documents as proof Im a victim of identity theft and fraud. Lease, police report, federal trade commission report. I have fraud credit card charges that were not investigated the initial time around and was reversed back into my account stating due to my spending habits.A letter was sent says I could appeal and I did. WAs advised not time frame for an appeal resolution, this is negatively reporting on all 3 of my credit reports when its fraud and identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hello, I'm writing in regards to application for a NFCU credit card done online. I was disappointed to hear of my denial considering my efforts over the last few months to improve my credit. Recently, I've taking steps to improve my credit reports that been riddled with inaccurate information. I currently have all my most recent accounts in good standing. No recent late payments and pay all my bills on time. I have been a valued customer with navy federal credit union for over three years. I might had some hard times with my account but other than that my account been in good standards. Navy federal states that they don't based you credit application on consumer report but you will still get an inquiry. Therefore, they based your application on your Transunion report and also your navy federal credit scoring system. Therefore, they have violate my rights as a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( **The Navy Federal Credit Union ** ) has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 I've done an excessive amount of research on various types of credit & what's need to build a satisfactory score. I've taken money management & a credit 101 class offered through my employer. I'm not asking for a large amount of credit, but simply enough to enjoy the wonderful benefits of the credit card while also continuing to prove my value & creditworthiness to you as a customer. I'm excited about the great perks & features that are associated with this credit card. I'm hoping this letter finds it way to someone who can help me get this application reconsidered, however I'm not authorizing an additional credit pull. I also have the navy federal credit union NReward card that been in good standards since I got it and no credit limit increase. Please could someone review both accounts. Below, I attached a letter in writing that I sent to them for reconsideration on my credit profile.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77024
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022 Navy Federal decided to take {$440.00} which was all of the money in my account to pay a car note that I was 9 days behind on. I did not authorize Navy Federal to take the fund out of my account leaving me at a XXXX balance. This also caused my Navy Federal credit card to become late because I had a scheduled payment coming out the account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My complaint is for non-disclosure. On XXXX XXXX, 2022 I noticed two unauthorized transactions on my Navy Federal XXXX card for XX/XX/2022. I called Navy Fed to dispute the transactions and they told me that the charges were from an authorized user. As the owner of the account, I froze the account with the authorized user months prior to the transaction date. Navy Federals policy is that authorized users can not make changes to the account and only the owner of the account can. My complaint is that as the owner, I froze the account and the right to any changes only belong to me and the authorized user should not be able to make the change to unfreeze the account. I immediately contacted Navy Fed to dispute these charges and asked for clarification regarding the policy and disclosure. Navy Federals Credit Card department Managers were not helpful and told me there's nothing that I can do. Again, I'm the owner of the account and Navy Federal should be more detailed in their disclosures regarding who can and can not make changes to the account. I'm filing a civil suit against the authorized user but I strongly feel that Navy Federal is just as responsible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I attempted to purchase puppies online and then never received them. The payment was made through XXXX and Navy federal credit union and they refuse to refund my money because I got scammed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23455
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, Navy Federal Credit Union withdrawn a payment of XXXX from my savings account without my consent to apply towards an outstanding balance of {$11000.00} dollars for a credit card debt of {$12000.00} that was never validated that continues to report on my credit reports with XXXX, XXXX, and XXXX by Navy Federal Credit Union. Navy Federal Credit Union hired a third-party debt collector XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX XXXX to collect on the debt. XXXX XXXX, XXXX could not validate the debt of {$12000.00} so, they ceased communication with me and trying to report on the debt with all the credit bureaus on XX/XX/XXXX. Navy Federal Credit Union has violated my rights under the Fair Debt Collection Practices Act by reporting and collecting on a debt that they have not validated. They have fraudulently stolen money from my savings account and have restarted the statue of limitations over on a debt {$12000.00} that has restarted the aging process of the debt over which is illegal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30269
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a credit card in the mail that I did not open. I also received information about an opened savings account that I did not open. I contacted the company Navy Credit Union immediately and they closed the account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60178
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Back in 2016 I file for bankruptcy XXXX XXXX. I have a card with navy federal credit union. I have tried several time to reestablished my credit. I have applied for a secure visa under their program. They denied me for I had a incident, loss or problem with the card I put in the XXXX XXXX When I got my life together I dropped the XXXX XXXX and what was owed to Navy Federal I paid in full. Through my checking account I have with them. I feel that Navy fed is discriminating and giving unfair treatment against me because I had to file a XXXX XXXX that was filed because of excessive medical bills.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A