Date Received: 2022-09-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022 I filed a claim with Navy Federal Credit Union ... I was told by representative that an investigation would take place and that after XXXX business days you MAY received a Temporary Credit to your Account... on XX/XX/2022 I spoke to a Navy FEDERAL CREDIT UNION representative and they informed me that I would be receiving my Temporary Credit on Tuesday XX/XX/2022... Well its Tuesday and no Temporary..Called Navy Federal Credit Union on XX/XX/XXXX and they 1st brushed me off, then hung up on me, and when I called backed iwas told there Policy .... '' We May or May not issue a Temporary Credit to your account... I then told them the Representative on the XXXX told me that I would receive my Temporary Credit on Tuesday, XX/XX/2022... They Refuse to Honor that Statement even though they were able to verify that phone call on XX/XX/2022 in that the Navy Federal Credit Union Representative did state that I would be receiving my Temporary Credit on Tuesday, XX/XX/2022 2022
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 666XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resul from an alleged identity theft, not later t han 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identi theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consum I am demanding the deletion of the accounts listed IMMEDIATELY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07205
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This company illegally combined my information with someone else 's profile. They had the wrong address, email, phone number and social security number on their profile and yet they try and charge me for it. I've been disputing this for a year now and its to the point the where a lawyer should be involved. I haven't had an account with Navy Federal since XXXX and I was told that I can not open another account. Yet, in XXXX an account was opened and is on my credit report. Please address this company and have my their information removed from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92123
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I turned XXXX XX/XX/XXXX. At that time Navy Federal was suppose to remove any of my parents from.my account. They gave me my own user ID and passwordXXXX XXXX XXXX XXXX sent me a school refund. Navy Federal took my federal money for my books and housing and applied it to my moms debt due to her thinking unemployment had finally paid her back pay. I contacted them and they said they had a right to take my school funds because she was a joint owner on my account. That is not true. I never gave my mom nor did she attempt to be joint owner of my account after the age XXXX. Navy Federal wanted to right a wrong so took money from both me and my aunts accounts. This is a violation. My money has nothing to do with my account and not can Navy Federal.provide anything where I gave them.permission to make anyone joint owner of my account. I live separately from my mom and have for over a year. They took my money and it is not ok or right. And they gave someone illegal.access to my account that I did not give. Once I'm XXXX, I get to make my own decisions and navy federal violated that. Then use their mistake to take funds that were not owed to them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was sent a sum total amount from my sister for partial payment of money she owes me due to staying in my rental at XXXX a month. XXXX XXXX XXXX and serious delays on unemployment, she has been unable to pay. She finally thought she had received funds from unemployment and transferred the money to my account. Something which I'm not privy to apparently happened with the funds. Navy Federal Credit Union took it upon themselves to remove the funds from my account which left me stranded in another state. I am not a joint owner of my sisters account. I wasn't aware and neither was she of any mishaps. Navy Federal illegally took funds out of my account to right a wrong with my sister 's account. They also did it with my nieces account as well. They also put a freeze on my husband 's account for his funds. They are being overzealous and stepping out of their legal limitations. Had the funds still been in my sisters account, that would be understandable until they figure out what was going on. But Navy Federal took this funds out of my account which they do not have the legal right to do. I want my money returned to my account. I have nothing to do with anything. My account should not have been touched.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43204
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I, natural person and creditor, XXXX XXXX, entered into a consumer credit transaction with Navy Federal Credit Union. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
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: Re : XXXX XXXX XXXX XXXX XXXX dispute with Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Located in : XXXX XXXX XXXX XXXX XXXX I prepaid for my XXXX XXXX XXXX XXXX XXXX rental car ( reservation # XXXX ) rental car through third party, XXXX Despite XXXX XXXX XXXX being fully aware and in receipt of my prepaid rental, they charged my credit card nearly {$700.00} additional frivolous charges which will cost me over {$100.00} in credit card interest. When I took possession of the rental car, on Monday, XX/XX/2022, the vehicle broke down approximately 3-4 hours after I picked it up which I PROMPTLY reported to management AND l received a replacement rental car later the following day. Not only do I have all of my text message exchanges that support management being fully aware of the disabled vehicle and assisting me with filing the disabled vehicle report, I was also told to catch an XXXX back to my hotel as well as XXXX XXXX XXXXXXXX management assured me they would reimburse my XXXX and prorate my bill due to the vehicle breaking down. Throughout my reporting the rental car breakdown, I agonized with the manager XXXX regarding my time sensitive XXXX XXXX that I traveled from XXXX to have and was scheduled for my XXXX XXXX early the next morning ( which I also have documentation of ). During the conversation, XXXX made it explicitly clear that she was unable to get me a replacement rental that evening because her office was closed and she just picked up her XXXXXXXX XXXX. When she informed me of having her XXXXXXXX XXXX in the car, she expressed concerns about not feeling safe traveling downtown XXXX XXXX so she was limited in her options that evening. The ONLY immediate resolution she could offer is asking me to catch an XXXX to my hotel then send her the receipts for reimbursement. Again, she was fully aware of my being in town for my early morning XXXX XXXX appointment and assured me she would assist with the replacement vehicle once I returned from XXXX. I also texted her a copy of my *prepaid* garage parking pass AND she spoke with the parking garage staff that attempted to assist me via speaker phone to advise of XXXX XXXX XXXX decision to leave the rental car overnight. I feel it is also important to mention, when I discovered the way this company was handling my account, I researched the company and found a number of customers endured similar experiences with their rental car breaking down only to be charged astronomical fees and not given an explanation for the charges. The point that I am trying to make is the XXXX XXXX XXXX XXXX in particular has an overwhelming percentage of customers that endured fraudulent charges on their credit card wherein nobody within the XXXX XXXX XXXX chain of command will answer WHYYYY they added the charges on prepaid rentals. The following day, I communicated with XXXX to ensure she was still going to reimburse my XXXX as well as deliver the replacement rental. While XXXX responded to my initial inquiries regarding this matter, she eventually stopped answering my texts and calls once she texted me and had the replacement vehicle delivered to my hotel. After discovering XXXX stopped returning my calls shortly after the replacement vehicle was delivered to me at my hotel, I made repeated attempts to speak with a manager regarding my XXXX reimbursement and prorated bill. Not only did management ignore my calls, the local office told me they were inundated with customer requests so I need to give them time to investigate. Within days of returning home to XXXX from my vacation, I noticed several charges on my credit card and called to inquire about the charges. I made NUMEROUS attempts to reach various levels of management and NOBODY followed through on my attempts to understand the charges. During this stage of my inquiry, even the rental car customer service office did NOT try to provide a response! I eventually wrote a XXXX complaint; filed a bank dispute; sent emails to XXXX and wrote a review. After a nearly two months, XXXX XXXXXXXX XXXX sent me an email claiming I abandoned the rental car and it had to be towed when they were FULLY aware of the disabled vehicle! They outright IGNORED all of the irrefutable texts ; recorded calls and videos that I sent to XXXX XXXX XXXX MOST IMPORTANTLY, A DISABLED VEHICLE WOULD HAVE HAD RO BEEN TOWED ANYHOW SO THEY PROVING MY SUSPICION THAT THEYRE KNOWINGLY SCAMMING CUSTOMERS THAT FILED SIMILAR COMPLAINTS! I have waaaaaay more evidence that I sent ALL parties but I am not getting a response from Navy Federal credit union management. They even closed my first claim within 24 business hours of filing as opposed to FULLY investigating the matter. During this hellacious ordeal, the XXXX XXXX XXXX also agreed to pay for my XXXX AND reimburse the XXXX day that I did not have use of the rental. Instead, they made excessive charges on my credit card and outright REFUSED to return any of my calls. I even sent management XXXX receipts, videos and photos that they requested. Yet, during the first two months the rental car company outright ignored my calls and texts! When I made REPEATED attempts to further investigate WHY they added charges to my credit card, XXXX XXXX XXXX STILL would not give me any intelligible response other than the matter is being investigated. I then filed a complaint with XXXX XXXX and XXXX. I wanted XXXX XXXX to be aware of my experience as well as raise awareness of the company reviews due to XXXX XXXX XXXX refusing to answer my inquiry as well as transferring me back and forth to the line that was supposed to be designated for management only to be told that I should be speaking with the customer service department. Once I became relentless in my inquiries/complaint, XXXX XXXX XXXX made false allegations claiming they charged my car due to the disabled vehicle twas abandoned! Not only do I have a plethora of text messages from the rental car manager XXXX that prove the company was fully aware of the rental car breaking down within a few hours of my driving the vehicle ; I also have text messages that show the rental car manager XXXX had extensive conversation with me regarding their commitment to pickup the disabled rental car ; she also asked me to submit my XXXX receipts for reimbursement AND she facilitated the delivery of a replacement rental car to my hotel. I feel it is important to reiterate, XXXX actually spoke with the parking garage staff where the vehicle was disabled and asked permission to leave the vehicle overnight until she could make arrangements to pick the disabled vehicle up during business hours. Given XXXX 's request to leave the disabled vehicle at the garage overnight, I took thorough videos of the rental car for my records so it would be clear that I left the vehicle in pristine condition. When I did not receive clear answers about the charges, I sent the pictures and videos to XXXX XXXX XXXX to prove the pristine condition of the car when *the rental car company asked me to leave the vehicle in the parking facility where it broke down* and they will retrieve it in the morning. Despite the plethora of evidence that proves the rental car company was fully aware of the vehicle breaking down, they had the audacity to send me an email changing the story claiming that I abandoned the vehicle and it had to be towed. When I continued to provide supporting documentation in my XXXX complaint, XXXX XXXX XXXX changed their excuse for the charges yet AGAIN. They now claim that the charges are due to having the vehicle towed because I never prepaid for parking and that I never returned the keys to them which my text exchange with the manager, XXXX proves they LIED! The parking garage where the vehicle broke down was FULLY aware of the vehicle breaking down and gave permission for management to leave the vehicle overnight because the manager XXXX indicated they did not have anyone working after hours to pick up the disabled vehicle and she had a XXXX XXXX as well as she did not feel safe driving to the location to pick up the car. Not only did I pay to park in the garage, management had sufficient opportunity to get the keys for the rental car. Instead, they outright LIED for the last three months and refused to return my calls! They not even acknowledging how a customer NEVER should have to deal with a disabled rental car which took significant time out of my vacation. Nor have they reimbursed for the XXXX as promised ; they also have NOT prorate my bill for the time I did not have the rental. Instead they REPEATEDLY LIED which I will seek accountability!! I eventually received a call from the supposed XXXX XXXX XXXX risk management representative representative about two weeks ago. He was not the least bit of concerned about my evidence and claimed he would call me back within 72 hours which he NEVER followed through on! Instead, they submitted the final claim that the charges are valid due to the *disabled* vehicle having to be towed! BASED ON MY EXPERIENCE AND THEIR BLATANT CUSTOMER ABUSE, I BELIEVE THEYRE REMOTELY DISABLING VEHICLES IN THEIR SCAM WHERE THEY CHARGED OTHER CUSTOMERS NEARLY {$700.00} EACH TIME THEY ENDURED VEHICLE BREAK DOWN! Initially, I thought they mightve been trying to charge me fees because the parking facility that they requested I leave the vehicle at charged them {$15.00} for overnight parking. Whatever the case for such egregious charges, it is cruel to ignore a customer for several months then add astronomical fees on my reservation in addition to what I already paid for the rental car! It should be further noted that XXXX XXXX XXXX has thousands of reviews that show other customers endured frivolous charges with this company. I am devastated beyond repair! I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My days are filled with taking care of family responsibilities. Meanwhile, this greedy unscrupulous company has abused the process of stealing money from customers!! This company is a MAJOR SCAMMER! I read their reviews and noticed many customers had similar experiences.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
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 accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28546
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is about the XXXX XXXX XXXX initiated on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX With ( Navy Federal Credit Union ) executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any form information in any for. The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above-mentioned XXXX XXXX XXXX , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e. XXXX, XXXX & XXXX ). According to 15 USC 6809 ( 4 ) ( A ). The term nonpublic personal information means personally identifiable financial information 1. Provided by a consumer to a financial institution. 2. Resulting from any information with the consumer or any service performed for the consumer ; or 3. Otherwise obtained by the financial institution. Further, pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party means any entity that is not affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named XXXX, XXXX, XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. Navy Federal Credit Union has still violated the provisions of FCRA ( Fair Credit Report Act ). Under USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control. Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company ( Navy Federal Credit Union ) has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you to remove the below-mentioned information from my Consumer Report ; 1. Late Payments 2. Charge off etc.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28562
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Navy Federal continues to report inaccurate account information to XXXX, XXXX, and XXXX credit reporting agencies which continue to cause me irreversible harm. I have attached the following documents.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A