Date Received: 2022-09-05
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: I was doing research on my phone and somebody has put a spy app on my phone and compromised all my information my banking my credit reports everything and I can not get nothing done I am being turned down for loans my credit score has went down I have no idea what a spy app even has but everythings been compromised my IP address and everything
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, a check for {$10000.00} was deposited via atm in my minor child 's account with my name attached. This transaction is fraudulent, and Navy Federal Credit Union is telling me that I am responsible for paying the money back to the banking institution as my child is a minor. I explained that I had nothing to do with the fraud and requested that an investigation take place on my behalf to get to the bottom of who was responsible. I filed a police report on XX/XX/2022, regarding the matter and provided the case number to Navy Federal Credit Union. After further investigation, despite my efforts to prove my innocence, Navy Federal sent correspondence informing me that I am liable for the money and that if I don't pay it back, I am subject to a charge off on my credit report. Navy Federal garnished any funds in my checking account. As a result, I incurred overdraft fees from the banking institution due to creditors trying to debit my account for monthly bills.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I received an email on XX/XX/XXXX from the institution that sent my deposit to my Navy federal Checking account that the deposit was sent on XX/XX/XXXX, and it was delivered into my bank account on XX/XX/XXXX. XX/XX/XXXX I got a direct deposit deposited into my Navy Federal Checking account for the amount {$12000.00}. At the time of the deposit my Checking account was overdrawn $ XXXX, which left my remaining balance in my checking account {$11000.00}. My problem is on XX/XX/XXXX at XXXX XXXX I received a text that stated : NFCU : XXXX was withdrawn from your acct. end. in XXXX on XX/XX/XXXX. Sign in for details. Txt STOP to stop. and an email that stated : Account Activity {$11000.00} was withdrawn from your XXXX Checking account ending in XXXX on XX/XX/XXXX. As always, you can easily check balances, make deposits, view transactions, paybills, transfer funds, and more XXXX via our mobile app* or by signing in a navyfederal.org. If you don't have the mobile app, you can download it here. Looking to change your security, account or card notifications? You can update your preferences at any time. I requested a bank statement for the months of XX/XX/XXXX, and XXXX of XXXX to be sent to me in the mail on XX/XX/XXXX and I received it today XX/XX/XXXX which doesnt show a withdrawal transaction at all. The only transaction is the beginning balance and deposit transaction and an adjustment : Date : XX/XX/XXXX Transaction detail : beginning deposit Amount : $ XXXX Then Date : XX/XX/XXXX Transaction detail : Deposit- ACH Paid From Housing Authorit RentRelief Amount- {$12000.00} Then Date : XX/XX/XXXX ( I received the email and text about the money withdrawal on XX/XX/XXXX ) Transaction detail : adjustment- XXXX Amount : {$11000.00} I called Navy Federal to see who withdrawal my money or what was going on the day I received the text and email about the withdrawal and the lady on the phone was rude and telling me my account being closed and thats why shes decided to send it back all the sudden a weeek after money was in my checking account which then makes it my money no one had any permission from me to take the money out of my account. And I kept calling and calling and they couldnt tell me much other than the fact the deposit was being pulled out of my account ( after it was already disbursed into my account and had been for a week ) that it was going to be sent back to the institution that sent it, which can now not be stopped and Id have to wait two weeks for money to go back before I could do anything about receiving the funds. Well nine months of calling, being hung up on, people helping not at all navy federaXXXX doing nothing about my money being withdrawn from my account with out my permission, the institution the money was supposedly being returned back to HAS NOT RECEIVED THE MONEY NAVY FEDERAL sent back. Ive sent multiple emails and screenshots of the text and email I received from Navy Federal about the money and they stated that they have Not received a return payment, and that the ACH is Paid from their end and the proof I have of navy federal sending the money back shows a withdrawal and doesnt show who is withdrawing it and navy federal for some reason has no way of sending me something showing or stating that Navy Federal are the ones who sent the money back and since the sender still hasnt received it and its shows paid still that they cant send me or reissue me another Payemnt unless I somehow prove who actually took the funds out of my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93555
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hello, I applied for a HELOC with Navy Federal Credit Union. I have been in my home for 14years current on my mortgage. my credit is a XXXX XXXX I have been employed with the same company for over 14 years. I was denied the HELOC loan and was never told why I have equity in my house. But I was approved for refinance with a higher interest rate than wht I have now. I don't want to refinance
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On a numerous of occasions, I have disputed a 30-Day late payment for the month of XXXX removed, due to a system error on Navy Federal Credit Union 's end. Also, I have uploaded supporting documentation to have the Navy Federal Credit Union account ending in XXXX updated to have the 30-Day Late Payment removed from the credit file, but XXXX did not remove it, but instead they keep verifying that the information is accurate and it was verified, but they did not verify anything. Please let this be the final dispute documentation to have this account updated immediately to have the 30-Day Late Payment For XXXX to be off of my credit file before I take this to court and sue for damages for violating the FCRA, and violating the 15 USC Section 1681a ( d ) ( 2 ) ( A ) ( i ). Please correct this matter immediately. Thank you in advance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Sunday XX/XX/2022 navy federal credit union said I had a certain amount of money available. Roughly {$600.00}. In my account. I checked pending transactions and everything was there. I decided to make an extra payment of {$250.00} towards my credit card because I thought I had extra money. Monday XX/XX/XXXX I noticed I had {$100.00} in my account and was confused because the {$250.00} to my credit card didnt come out and all of the transactions were still the same. They said it was that the pending transactions didnt pull from my account even though it displays the amount of {$600.00}. I had put {$1000.00} in my account the day before so it made sense that having dinner and drinks left me with {$600.00} from the {$1000.00}. I noticed that they are keeping the pending charges and displaying a false amount to make me over draw my account and pay over drawn fees. I called them and they said they have no control over that. But it seems like a its false. I keep good track of what time my money goes in and out. So something doesnt seem right.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/22, I contacted XXXX because I received an email from them thanking me for some tickets I purchased in XXXX. I immediately notified them to let them know that it was not me ; I lived in XXXX and was not making a purchase. They captured the conversation and informed me to contact my bank. I immediately did that and provided the documentation and the transcript from XXXX to the bank. The bank denied my claim stating the investigation came back. That it was not a fraud. I asked them what evidence did they have. The bank said I could appeal in writing. They sent me instructions on how to do that. I appealed the decision, and it was denied again. This has caused my account to go into severe overdraft. I reached out to XXXX to see if the bank contacted them, and they had not. The amount of the charge is {$1000.00}. This is not the first time NAVY Federal has done this, but the first I have taken action, and I have been with them for over 15 years.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY ACCOUNT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : NAVY FEDERAL CR UNION XXXX ...... Date Opened XX/XX/2017 XXXX {$1900.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89701
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am aware that consumer reporting agencies have received my nonpublic personal information from NFCU fraudulently and do not have lawful authority to furnish this information for any non-affiliated third parties to see. The consumer reporting agencies to whom NFCU has provided my non public personal information are not required by law to furnish my non public personal information ; however they are doing so and receiving unjust enrichment. I have reason to believe the consumer reporting agencies NFCU have disclosed my non public personal information to are aiding and abetting criminal enterprises in the collection of extensions of credit through extortionate means and coercion. I am aware that receiving proceeds of extortion is illegal. As a consumer I have a right to privacy. Punishing me for the nonrepayment of an extension of credit by disclosing negative information, not required by law, to a nonaffiliated third party without my lawful authority gives me reason to believe that this is a pattern of racketeering activity. NFCU furnished my nonpublic personal information to Consumer reporting agencies through aggravated identity theft, pursuant 18 USC 1028a ; due to the fact I never gave lawful authority or consent for them to be in possession of my nonpublic personal information. I have reason to believe NFCU is criminal enterprise involved in conspiracies to cause restraint of commerce.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A