Date Received: 2022-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2022 Amounts : {$2100.00}, {$5300.00} Navy Federal Credit Union has in their system that i owe them 2 debts but have no signed contract by me indicating that i owe them said debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Greetings, I have been trying to resolve these issues with navy federal now, for a long time, and they keep treating me like a criminal. I did a bankruptcy in XXXX, and navy federal was listed on default. Now, every time I log in to my account, there is a notice that they are flagging me. I spoke with someone regarding this matter, and they told me this should not appear on my account. We are now more than XXXX years. I tried opening a new account so that I could receive my direct deposit from the VA, and they kept saying that I had a balance that was owed to them when it was due to fraud, and I had to file a police report, complaint with CFPB and spoke with them in regards to that matter. Now, this company claims they only serve military individuals and their families. Still, I know that they have civilians with open accounts with bad credit and bankruptcy, I have proof, and I have some of these individuals ' names. And yet we, as the total and permanent XXXX veterans, are being denied services. I am upset about the injustice and the double standard this bank is showing to military individuals. I have been banking with penfed and vystar, and they have been perfect to me and the reason why i am filing another complaint is to remove those negative account in my profile and allowing me to open an account when i want and that i have the right and eligibility as a XXXX veteran to do so. They will write backj to the cfpb, that they did their due dilligence and that i should call so and so for more questions. WOW really navy federal?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There was an account opened up around XX/XX/2021 that is on my credit report that isn't mine. I've provided documents to the bank and the credit reporting agencies and they're still reporting the account valid. I even went as far as going to the bank and providing my documents and still no luck. They showed me the account and the only thing that was correct was my name and birthday. The address, email, phone number, and social was incorrect. Its clear that this is not my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92071
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Navy Federal Credit Union ( NFCU ) allowed one of their customers to fraudulent deposit 3 checks that were returned to me as overpayment. The checks went to an old address and I had no knowledge of it. Once I was given copies of the checks by the State of Georgia I reached out to the NFCU to make a fraud complaint. They found out who deposited the check, they wouldn't tell me who, but refused to give me my money back. They told me to go back to the check issuer and even to go back to the bank that issued the check. Why not go to your criminal customer and get my money back? They told me they have flagged the account and nothing else. I posted a review on XXXX and they, of course, troll those sites. They told me to reach out on social media and again nothing. They stated that I should contact the issuer of the check. It's a shame that the media can get done what a simple everyday customer can't. Businesses should not worry about their reputation only when it's negative in the media. If they worried about the complaint when it came in then it usually wouldn't get to the media. I have filed a police report but of course this is a low priority on their totem pole. NFCU should just do the right thing and return fraudulent gained money. I don't have an account with them but my wife does. This transaction has nothing to do with her account. The criminal just happened to bank at the same institution she does.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX, NFCU took out money from our joint account without authorization. When asked what happened, it was in regards to an credit card that was charged off that we didnt get any notifications of pertaining to it being charged of. So upon calling to settle. We agreed to settling the amount but instead of returning the full XXXX that they took off they only returned a portion and kept XXXX. We were given no choice but to agree even if we explained the hardship. This didnt end here. On XX/XX/2022. Once again they took money from our joint account without any authorization or notification. They took out XXXX. And left us with absolutely nothing. We begged them and pleaded for them to give back our money, as this was for our mortgage payment. After settling the second charge off for another credit card, once again they decided to only return half which is XXXX of the XXXX. They had no remorse on doing so, but instead questioned us on our activities in the accountwhich now got very personal. After explaining confidential information for them to consider returning money they they werent authorized to take since there were no notifications or warnings pertaining to these charged off credit cards, they pretty much told us we have no choice but to agree with the settlement. There were no negotiations. Only their side was considered and not our circumstances. The manager even stated that we should be thanking them for even giving back half. These were my debts. And the account was under my spouse but when I acquired these debts we werent married yet. And now shes suffering because navy fed is neglecting to follow the rules of communicating properly and doing unauthorized adjustments on our account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
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: You are hereby ordered to CEASE AND DESIST all actions! You are hereby in RECEIPT OF NOTICE under the Fair Debt Collections Practices Act, RCW 62A.3, RCW 19.16 and 19.86 regarding your above referenced file number and presented with a CONDITIONAL ACCEPTANCE OFFER. In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT your demand for payment in the above-named matter upon your complete and total fulfillment of the following conditions : Condition:1. A Notarized copy of the ORIGINAL WET INK SIGNED CONTRACT and all other supporting documentation that give rise to and lawfully support the alleged obligations your Company now claims is owed. Condition 2 : Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt. Condition 3 : Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt. Condition 4 : Provide verifiable proof that any actual money was ever created or loaned to me by Your company, and not mere bookkeeping entries that were made in an attempt to establish the alleged obligation or debt, and in which case, this entire matter would constitute fraud on your part. You have twenty-one ( 21 ) days from receipt of this Conditional Acceptance to respond on a point-by- point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain. Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, will constitute your stipulation that I have no duty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection. Be advised that notice to any agent in your firm or under your employ regarding this Conditional Offer of Acceptance is considered notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by your company to secure payment with a Writ of Garnishment, before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of {$75000.00} USD, payable to XXXX XXXX as compensating damages. Signed from without the United States in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC 1-207 and RCW 62A.1-207. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA. XXXX : XXXX [ XXXX XXXX ] Without Prejudice, without recourse
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This is a Fraud account opened when my information was stolen. i called and put in a fraud report. Now the credit union has this on my credit report as a high risk account. I want this off my account, i Did not open this account. I already belong to a credit union and i don't need 3. Navy Federal Credit union needs to take this off my entire world is in shambles because my information has been stolen.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Getting a line of credit
Subissue:
Consumer Complaint: AGAIN NAVY FEDERAL CREDIT UNION has denied me for an emergency medical loan for {$2000.00}. Even though the last payments on my credit report are old ones, my credit score went up XXXX points. I am sick and tired of filing complaints against NFCU. As a veteran with over 35 years membership, I thought I could count on them. They have over {$4900.00} directly deposited every month. Yes, Im behind thats why I want to consolidate or get a loan so that I can have one bill ( the repayment of the loan ). I am very upset as I trusted NFCU to take care of their own. But it seems people who have money and people who lie can get money, but honest service connected veterans like myself catch XXXX trying to catch up which in turn affects our mental health. All I wanted was to catch up on my bills, thats it. I want this published because I hear a lot of complaints from veterans but I want others to see its ok to publish. It wont hurt. Thank you, XXXX XXXX, XXXX, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70458
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Before XXXX/XXXX/202 we asked Navy federal to process a special program we qualified for, for a lower interest rate. They told us DO NOT pay the bill and let the XX/XX/19 bill be late. They said they would remove the late fee later because of processing time. We called again in XXXX, wherein we learned the paperwork got lost, and we had to do it again. We filed to have the new interest rate processed which would take up to 45 days. Again we were told do not to worry about payments because it will go to interest and it was their fault so they would remove the late remarks. Finally, in XXXX we had a new lower interest rate, a much smaller payment, and were " caught up on payments '' as you can see from the documents. We have repeatedly given the XXXX the names of employees we spoke to about his matter and they do not remove the late remarks from this account. This account had NO LATE payments in the entirety of the account 's life. We called in repeatedly to make sure of this. Yet the XXXX is not honoring the agreement. All I can offer is proof of the interest and monthly payments in the statements. Many employees who worked in the specialty department that allowed for hardship payment qualifications can see ALL the notes that explain, that the 1st application didn't process correctly and that the employees said they would remove those late payments during processing times. We have repeatedly asked the XXXX reporting team to look into this. The XXXX does not answer us via email like they said they would, nor do they mail us anything.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MT
Zip: 596XX
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Linked account to XXXX, XXXX attempted to top up, which was declined due to NSF. Then I was charged NSF Fees on three attempts by XXXX. Contacted bank and I was told to pay or it would be deductued automatically. Shortly after account was closed due to the negative {$90.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A