Date Received: 2022-09-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Navy Federal Credit Union Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had contacted XXXX many time by calling and written them about the five accounts on my credit report that is not mine. 1 : XXXX XXXX XXXX XXXX XXXX 2 : NAVY FEDERAL CREDIT UNION 3 : XXXX XXXX : XXXX XXXX 5 : XXXX XXXX, XXXX I had given them documents that the company, ( XXXX XXXX asked for and still to no end nothing was removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: Phone number : XXXX XXXX His address is XXXX, XXXX Both XXXX and XXXX XXXX maintained contact. All our correspondences in is still in my XXXX chat. Subsequently other demands were made : this money she promised to repay with assurance from XXXX who was acting as her liaison. Payments made to XXXX. XXXX XXXX. XX/XX/XXXX {$2500.00} [ XXXX Cashiers Check # XXXX XX/XX/XXXX {$1100.00} [ Payment by XXXX XXXX ] XX/XX/XXXX {$2800.00} [ payment by XXXX XXXX ] XX/XX/XXXX {$2000.00} [ XXXX XXXX XXXX through Navy Federal Credit Union ] XX/XX/XXXX {$1500.00} [ XXXX XXXX ] On XX/XX/XXXX, my XXXX account was hacked. All my contacts were requested to send amounts ranging from XXXX ( XXXX, XXXX XXXX ) to XXXX. My niece was one of those that received the request for XXXX. She was told that my senior brother has emergency and I needed the money to pay deposit for hospital bill. Thank XXXX, a friend was on the phone when this was going on. She told him that they needed to hang up because her uncle just requested money on emergence. The young man asked if her uncle has ever told her a family member was sick. When she said No!, the guy asked that last time she spoke with her uncle ( me ) and she said the day before. He told her that was a hacker. That she should call me immediately, before sending any money. That call came at XXXX XXXX California Time. When I picked the phone in panic she asked if I sent her a message requesting money. When I said I did not, she told me my XXXX ( XXXX ) account has been hacked. She proceeded to post on my site warning all my friends that MY Account has been hacked and that they should not give money to Hacker. Some friends were in the process of sending the money when they received the Alert. Two days ago a XXXX XXXX XXXX XXXX ( probably fake name ) with phone number that was contacting me as XXXX. XXXX XXXX ( XXXX ) reached out to me and told me that a XXXX XXXX XXXX XXXX [ Phone number XXXX was the person that hacked my account and was the person posing as XXXX. XXXX XXXX. He also said that the hacking was carried out in XXXX, XXXX XXXX, XXXX. *** I have pictures and all the chats resulting from these conversations. My major concern is to stop these hackers given their boldness and all the Accounts they operate in the United States especially through the Navy Federal Credit Union, using the name of a possible true XXXX. Please if you need further assistance from me, I will be very glad to provide. PLEASE HELP STOP FURTHER DAMAGES FROM THESE HACKERS. YOU CAN SEE THAT THAY ARE VERY CCONNECTED IN THEIR NETWORK.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My credit reports shows that I applied for a credit card with navy federal which I never have. And my employment says I was in the XXXX which I never was. Some of the inquiries on my credit report I have no idea where they came from. I just noticed this information on XX/XX/2022.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 67207
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Paid account in full request a replacement credit card. They stated they closed the account later had to pay XXXX and reapply for credit again. Navy Federal credit union
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Navy Federal Credit Union Rewards Credit Card Fraud event XX/XX/XXXX I received email from NFCU confiming the redemption of XXXX reward points for XXXX {$500.00} XXXX XXXX gift cards. Copy attached. Email showed Order number XXXX followed by XXXX XXXX XXXX XXXX The name and phone numbers are correct for my wife. Email is not. NFCU has my wifes email on file. I thought it was just another phish scam email due to the hokey email address. Same day I forwarded this email to XXXX I then checked my account and saw that the transactions actually went through. XX/XX/XXXX I called and reported this to NFCU at phone number on card. My wife and I have separate cards tied to the same credit card account. I was told that my wifes account was hacked. They needed to talk to her. She was told the problem was with her on line banking and she should check her transactions, change passwords and get a new card. She identified a few XXXX transactions she didnt recognize and they were flagged. Upon review she was able to identify these charges as legitimate and they were delisted. XX/XX/XXXX thru XX/XX/XXXX I called NFCU about once a week, Id estimate at least XXXX calls from XXXX or I. Each call I asked when would we get our points back. Each time I was advised of a task that needed to be accomplished, and assured that after completing that task our issue should be resolved in 2 to 5 business days. Actions we needed to complete included : - They needed to talk to XXXX and have her restate the issue. She called in and cleared issue. - I was told the case was still held up waiting on XXXX. On closer review rep said that the notes on the case were out of order. She saw that XXXX had responded and would clear it and issue would be resolved. - I asked to speak with supervisor. I was on hold for 20 minutes after the 30 minute call and hung up. - I was told that the problem was that I hadnt closed my account and been issued new card. I was never told to do this before, so I did it. XX/XX/XXXX I called again and got to a supervisor ( XXXX ). She told me that the problem was no one had talked to the Rewards Department yet, and that only she, a supervisor was able to do this. I was on hold for about 25 minutes while she got through to Rewards, and then got back to me that my points should be restored in 2 to 3 business days. XX/XX/XXXX I called for an update. The person I talked to brought up the case and asked me if my wife, XXXX XXXX had called in 2 days ago and asked for a digital account and gift card for our daughter. She asked if I had a daughter named XXXX or some other name not remotely like my daughter XXXX. I said no. She said something is really wrong. That the fraudster was back at it. She had to talk to her supervisor and would immediately cancel our cards. After about XXXX minutes she got back to me. She said there was a mistake, no new activity, and she had a Supervisor on the line to talk to me. The supervisor explained that the call the rep thought was 2 days ago actually was the original fraud event on XX/XX/XXXX. The Rewards department had determined that it was my wife who made the call and redeemed our points for XXXX {$500.00} XXXX XXXX gift cards to be emailed to our daughter at XXXX. So our points would not be restored to our account. Ive been a member of NFCU for over 50 years, my wife XXXX over 30 years, and my daughter XXXX for over 20 years. NFCU has all our email addresses on file. NFCU is telling us we are lying, that XXXX made that call, and XXXX got the reward points. NFCU is wrong. Perhaps an NFCU employee stole the points? Did they review the call? NFCU was negligent in giving our points to a fraudster. NFCU needs to restore points to our account. Copy of XX/XX/XXXX email advising me of point redemption. -- -- -- -- Original message -- -- -- -- From : XXXX Date : XX/XX/XXXX XXXX PM ( XXXX ) To : XXXX Cc : XXXX Subject : Navy Federal Rewards Redemption Confirmation Successful Redemption! Your order number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virtual Gift Card View Code XXXX Qty : XXXX |Card Type : Virtual |Denomination : {$500.00} Delivery Email : XXXX XXXX XXXX Virtual Gift Card View Code XXXX Qty : XXXX |Card Type : Virtual |Denomination : {$500.00} Delivery Email : XXXX Your total order cost : XXXX Feel free to call us XXXX help and questions. Redemption transactions are non-refundable/non-changeable/non-transferable. Gift Cards will arrive within 7-10 business days, unless expedited shipping was requested. Virtual Gift Cards are available within 24 hours and can be accessed through your Redemption Activity. Lost, stolen or otherwise destroyed Gift Cards can not be replaced. Merchandise will be delivered within 4-6 weeks.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: To Whom it may concern, Navy federal credit union sent me a letter saying your payment of XXXX which is due on XX/XX/XXXX has not been received. Account ( XXXX ) I recently received another letter saying i owe {$2100.00}. Not sure where this amount came from. This needs to be cleared up ASAP. The letter threatened to repossess my vehicle for the outstanding amount of debt. As a consumer I extended my credit to Navy Federal Credit Union in XX/XX/XXXX, NFCU is taking advantage of consumers. 15U.S Code 1601 ( a ) I made an uninformed decision when getting the loan, Nothing was clear and conspicuous as the law state it should be. I was never made aware of the cost of credit. The only evidence of a debt was the promissory Note that was never signed by anyone, I still have the blank promissory note they sent me. nothing was explained. these are some of the laws they're breaking. i intend to sue in federal court if this can't be fixed.15 U.S.code 1602 ( g ) ( k ) 15 U.S code 1692e false or misleading representations, 15 U.S 1692e ( 3 ) ,1692 ( 6 ) ,1692 ( a ) ,1692j ( b ) ,1692k i.e. please help fix this problem.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08611
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I the consumer, applicant and natural person, was denied by Navy Federal when I applied for multiple personal loans. Adverse Action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 1691c and is pursuant to civil liability under 15 USC 1692k You are subject to criminal liability for violating 15 USC 1691 as I have proof that i was discriminated against by Navy Federal due to the response i received which is attached. Navy Federal is in violation of 15 USC 1642, 15 Usc 1681m and 12 CFR 1002 because I, the consumer and applicant, made an application in good faith with good intentions, but credit was not issued. Furthermore because my credit card ( social security number ) was used and I the cardholder of that credit card received NO benefit. This is proof of FRAUDULENT ACTIVITY ( unauthorized use of credit card ) on behalf of Navy Federal If Navy Federal fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card i will imdeed make Navy Federal criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o Thank you XXXX : XXXX beneficiary/agent Without Prejudice. All Natural Inalienable Rights Reserved
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Date of credit reports : XX/XX/2022 Date of denial : XX/XX/2022 Amount of Loan : XXXX XXXX Navy Federal Credit Union denied my home loan application based on race, religion, and /or national origin. They claimed to have made that decision based on credit reports. However, I have contacted all three ( XXXX, XXXX, and XXXX ) credit agencies and obtained credit reports. None of them have any factors that adversely affect my application. Loan underwriter and/ or credit report reviewer folks in Navy Federal Credit Union had just made stuff up. I have contacted NFCU multiple times, and they take my information each time and do not do anything about it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was buying concert tickets. Was in conversation with women who said she would send tickets through ticketing website. I sent funds never received tickets and now have been blocked. This happened on XX/XX/2022. I sent {$150.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 16510
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A