Date Received: 2023-12-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX ( posted XX/XX/XXXX ), I attempted to withdraw {$100.00} from my checking account at an ATM in XXXX XXXX in XXXX XXXX DC. The ATM did not process my transactionit spent a long time loading before proceeding to eject my card and not dispense any money. I didnt think much of it and proceeded to try a different ATM in the same building. The second one worked and I was able to withdraw {$100.00}. However, BOTH transactions posted on my account, charging me {$100.00} ( includes atm fee ) twice. Ive tried to contact my bank ( Navy Federal Credit Union ) multiple times regarding this. I disputed the first withdrawal and they notified me that they determined from their investigation that I benefited from the transaction. Ive called at least 3 times trying to speak to someone in the relevant department with no success. I was directed to just submit an appeal through the app which was rejected saying the same thing as the initial decision. If I could actually speak to a human there that works in the correct department, I think they would understand that it wouldnt make sense for me to withdraw the same amount in the same building on the same day if I got the money out that I was trying to withdrawal the first time. I think in whatever investigation they did, they are confusing the first transaction with the second. This is more about the principle at this point than the actual money lost as {$100.00} is not nearly worth the time I have spent attempting to resolve this. I just submit a complaint with the XXXX XXXX XXXX the other day as well and I will continue to escalate the matter until a human working with Navy Federal Credit Union reaches out to me to apologize for their negligence and refund my money.
Company Response: Company believes complaint is the result of an isolated error
State: MD
Zip: 20782
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I send to navy federal that I am opting out as per the Privacy Act and it was denied that I am unable to do so. Which goes against the laws that states I have the right to choose who and how my private information is shared Per the FCRA as a federally protected consumer I am now opting out ( rescinding ) of any and all authorization I the consumer may have given you ; written and unwritten, verbal and nonverbal per 15 USC 6802. Effective immediately and indefinitely.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: It is illegal and a violation of my privacy in ordinance with the Privacy Act of 1974 and Consumer Credit Protection Act to report transactional history. This is also reporting as a charge off a charge off is considered a certificate of indebtedness which is INCOME and this needs to be updated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Navy Federal Credit Union Per 15 USC 1681 ( a ) Accuracy and fairness of credit reporting. This relating to late reporting, inaccurate reporting data to XXXX Per 16 CFR Part 660 The Furnisher Rule is a regulation that requires furnishers of information to credit reporting agencies ( CRA ) to provide accurate information and to investigate and correct any disputed information. Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : Payment was made XX/XX/XXXX payment post XX/XX/XXXX in amount {$190.00} New Balance XXXX available credit {$200.00} Closing statement date XX/XX/XXXX showed my balance XXXX you reported to XXXX XX/XX/XXXX balance {$190.00} you did not report correctly I used the XXXX card after XX/XX/XXXX so why did you report the new balance on XX/XX/XXXX? Also, you reported credit usage 98 % inaccurate, XXXX score has decreased by XXXX points as result of your unfair credit reporting, you reported the payment summary data unavailable I pay you every month. Why Navy Federal Credit Union you are reporting Late to XXXX and inaccurate information on my credit report per 16 CFR Part 602 Fair and Accurate Credit Transactions this is unfair. Errors in a report can result in denial of those benefits or higher costs. ( see attachments ) Dear XXXX As Consumer reporting agencies you have assumed a vital role in assembling and evaluating consumer credit The banking system is dependent upon you for fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods it also undermine the public confidence which is essential to the continued functioning of the banking system. Per 15 USC 1681 ( a ) Accuracy and fairness of credit reporting this relating to my XXXX XXXX XXXX XXXX XXXX with Navy Federal Credit Union the data reported for XX/XX/XXXX shows balance in the amount {$190.00} the information is, in fact, inaccurate on my consumer report from XXXX payment was made XX/XX/XXXX payment post XX/XX/XXXX in amount {$190.00} New Balance XXXX available credit {$200.00} ( see attachment A ) also according to XXXX 99 % credit usage for my secured credit card rewards visa in the amount {$190.00} this inaccurate ( see attachment XXXX ) also my credit XXXX score has decreased by XXXX points as result of your unfair credit reporting also Navy Federal Credit Union refused to report my payments as Paid as agreed please update please see all attachment per XXXX XXXX Notice to Opt Out from Navy Federal Credit Union was submitted in XXXX to Opt Out of credit utilization along with the disclosure of nonpublic personal information to a nonaffiliated third party so why are you reporting my balance XXXX you are a nonaffiliated third party a consumer have Continuing right to opt out. A consumer may exercise the right to opt out at any time. XXXX you have legal obligation under the Fair Credit Reporting Acts to report accurate information Its all about accuracy and integrity do the right thing. ( see attachments )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XX/XX/XXXX I opened both a simple checking and savings account with Navy Federal Credit Union. As advised by the manager that assisted with the account, i made the required deposit. Less than XXXX hours after the account was created, Navy Federal closed the checking account without notification or explanation. When i had called to find out why, the representative could not provide an explanation. Later, when I tried to pull money out of the savings account that for some reason was still active, ATM services to do this were deactivated. When I called to ask why, the representative told me I could only utilize services for the savings account within branch locations or I could request a cashiers check. She also did some digging to find that the reason my new checking account was closed was because I have recieved a LIFETIME BAN from checking service for the remaining balance on a loan in XXXX when i was a young XXXX. She explained that any loss to Navy Fed constitutes an indefinite ban with no resolution pathway. This is contradictory because I had filed a previous complaint agianst Navy Fed in which I was receiving calls threatening legal action for the exact account the representative was referencing. In that case, Navy Fed did contact me to assure me that it was not them calling me and that the accounts were not being persued in any way and that there shouldn't be any issue with rejoining Navy Fed in the future. I have a professional relationship with Navy Fed as I work along side thier military account joins for XXXX recruits netting them millions of dollars per year. I do feel that there is something going on where I am being unnecessarily targeted for denile of all Navy Federal services except the in branch only utilization of a savings account. I was not notified of the account closure, there were no issues or flags during the account setup and the reason for closure was kept from me until I started askiing about closing the savings account and lifetime bans are apparently policy for any type of loss even if the loss was decades ago.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear XXXX I am an authorized user on Navy Federal Credit Union secured credit card rewards visa. Navy Federal Credit Union reported information inaccurate and late reporting on my consumer report from XXXX, I made the full payment amount on XX/XX/23 to Navy Federal Credit Union but Navy Federal Credit Union reported payment on XX/XX/23, with a Balance of {$190.00}, according FCRA furnishing and reporting Late along with inaccurate information on consumer report is a Violations My credit XXXX score has decreased by XXXX points as result of your unfair credit reporting According, to 15 USC 1681 ( a ) Accuracy and fairness of credit reporting in-accord Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information ( see attachment ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Dear XXXX I am an authorized user on Navy Federal Credit Union secured credit card rewards visa. Navy Federal Credit Union reported information inaccurate and late reporting on my consumer report from XXXX, I made the full payment amount on XX/XX/23 to Navy Federal Credit Union but Navy Federal Credit Union reported payment on XX/XX/23, with a Balance of {$190.00}, according FCRA furnishing and reporting Late along with inaccurate information on consumer report is a Violations My credit XXXX score has decreased by XXXX points as result of your unfair credit reporting According, to 15 USC 1681 ( a ) Accuracy and fairness of credit reporting in-accord Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information ( see attachment ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Dear Navy Federal Credit Union I am an authorized user on Navy Federal Credit Union secured credit card rewards visa. Navy Federal Credit Union reported information inaccurate and late reporting on my consumer report from XXXX and XXXX I made the full payment amount on XX/XX/23 to Navy Federal Credit Union but Navy Federal Credit Union reported payment on XX/XX/23, with a Balance of {$190.00}, according to FCRA furnishing and reporting Late along with inaccurate information on consumer report is a Violations My credit XXXX score has decreased by XXXX points as result of your unfair credit reporting on XXXX also My credit XXXX score has decreased by XXXX points as result of your unfair credit reporting on XXXX. According, to 15 USC 1681 ( a ) Accuracy and fairness of credit reporting in-accord Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information ( see attachment ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I did a dispute over a year ago on my funds that were stolen out of MY account in the amount of XXXX and Navy Federal returned my funds that went to an investment company and then froze MY funds. I have been told the funds have to be disbursed by the investment company - reached out to the investment company ( XXXX XXXX ) and was told that the claim was already closed and they couldn't request the money back. Now my funds have been stuck in Navy Federal for what seems to be like almost forever. In this economy, I don't know how Navy Federal would freeze my account and my hard earned funds that I PUT IN MY ACCOUNT thinking it was safe and one of the best credit unions. With the recent attention Navy Federal has had with their discrepancies in denying loans to minorities, now I am not shocked. I get mail every month with my statement balance from Navy Federal but no one has EVER contacted me to let me know how to close the account and issue my funds back. In my everyday checking- {$9.00} cents, XXXX Checking - {$90000.00}, and membership savings- {$5.00}. All of these funds are mine and I would like these accounts closed and my funds back or my account access OPENED. No one has requested my funds so I don't know why Navy Federal is still holding on to them. I am completely distressed and I am trying for once and for all to get my funds back PLEASE! Can someone at! Navy Federal PLEASE SOLVE THIS ISSUE
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28278
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: My account was restricted my access to mobile deposit was taken away from me with no valid reason. On or around XX/XX/23 I submitted a picture of check Which they said wasnt clear I called rep said continue to input until system accepts a clear photo I awoke to restricted abilities I called again they made me submit security appeal over and over and over and still wont contact me w live rep as requested to explain why Im being discriminated against as the last two reps said they cant see a valid reason why its restricted. I also like to add the mobile check was cashed by my other institution with no problem.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48141
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) regarding a serious violation of my privacy rights. It has come to my attention that NFCU shared my transaction history with a non-affiliated third-party company without my consent, which I believe is a direct breach of my privacy rights and may be in violation of federal consumer protection laws. I sent a certified letter to Navy Federal Credit in reference to this and have yet to receive a response on the matter. I have attached all related documentation. Navy Federal conspicuously states in their terms they DO NOT share personal information with non affiliates. I request a thorough investigation into this matter to determine how and why my personal information was shared without my consent. I request that NFCU takes immediate corrective action to address this issue and ensures that my personal information is adequately protected. I request that NFCU provides a detailed response to this complaint, outlining the findings of the investigation and the actions taken to prevent such unauthorized disclosures in the future. I firmly believe that the privacy and security of my personal information are of utmost importance, and I trust that NFCU shares this commitment. I am filing this complaint with the Consumer Financial Protection Bureau to seek assistance and resolution of this matter. I appreciate your attention to this complaint and your assistance in ensuring that NFCU complies with federal consumer protection laws regarding privacy rights.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Navy Federal took {$200.00} from a joint account that I share to pay bills. The amount was taken to go towards a Credit Card debt that they previously charged off. They stated they can not return the funds and they still collect on their own debts, and I should've gotten a payment plan. Before the account was closed Navy told me there were no payment plans available. I asked for something in writing that says they can take money from a joint account to satisfy a charged off debt. I didn't receive anything. The money taken has now put me in a hardship, because it was to pay my water and light bill for the month of XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77706
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A