Date Received: 2022-09-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: NAVY FEDERAL EMPLOYERS TOLD ME THAT ( MY SECURE CREDIT-CARD ACCOUNT ENDING IN XXXX ) WAS CLOSED IN XXXX XXXX FROM MY BANK STATEMENT IN THE AMOUNT TOTAL {$1100.00}. BUT STILL HAS IT AS A OPEN ACCOUNT ONLINE WITH THE BANK AND CHARGING ME INTEREST 18.00 % FOR SECURE CREIDT CARD. HAS BEEN RECEIVING PAYMENTS OF AMOUNT {$20.00} DOLLARS EVER SEEN IN STILL MAKING PAYMENTS TO BALANCE OWED. TRY TO RESOLVE THE ISSUES WITH A MEMBER OF NAVY FEDERAL MANAGER. WHO HANG -ON DOING PHONE CALLING CONVERSATION TO FIX THE PROBLEM. NAVY FEDERAL HAS IT REPORTING AS XXXX OF BALANCE AMOUNT {$100.00} ON MY CREDIT REPORT. AS A REMINDER THAT I PAID CASH IN AMOUNT {$1000.00}. TO OPEN A LINE OF CREDIT IN NEVER WAS PAID BACK THE AMOUNT $ 1000.THAT OWED TO ME. TOLD BY MANAGER OF NAVY FEDERAL THAT ACCOUNT XXXX WAS EXPIRING DUE DATE. THE CREDIT GRANTOR CLOSED MY ACCOUNT AND DID'NT WANT TO RENEW MY CREIDT CARD EXPIRING DATE AND DIDN'T ASK ME OR MAIL ME ANYTHING WHY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Navy Federal credit union rerouted my military XXXX direct deposit from my XXXX XXXX checking account ( which was closed well before the deposit showed as pending ) to a savings account without my consent, without my permission and without any type of notification whatsoever. I have called a dozen times only to wait on hold for 2+ hours and be told that there is no further escalation available to solve my issue or answer my questions. I am on vacation 1-1/2 hours away from the nearest NFCU branch and earlier requested a wire transfer of MY MONEY to be sent from NFCU to my new account at XXXX XXXX XXXX XXXX but again after waiting on hold i was told my the security expert named XXXX THAT and im quoting here " No sir we do not have the capability to write transfer your funds, ''. IT XXXXS ONE IF THE OPTIONS ON THE automated menu when you first call how the XXXX are you going to tell me you don't have the ability it 's complete XXXX. and THEN the branch would have to call and wait on hold for XXXX hours to reach someone to release my funds. If i find out that them rerouting my funds without my consent is illegal in ANY WAY i will be suing the ever-loving XXXX out of them. I want to know WHO authorized the change in my direct deposit! I've been told " It 's an automatic system that does it, '' I've been told " We don't know who changed your information, '' I've been hung up on and I've waited on hold for a total of 6 hours between yesterday and today alone!!! I was promised yesterday by nfcu 's laughable excuse for a security department that they would notate my account allowing the teller to give me my funds IF i agree to pay some {$230.00} XXXX charge off that they've created. They're holding my protected funds hostage and it 's ILLEGAL!!!! In the past few months i have had my retirement money literally held at bay only allowing me to withdraw the money if i agree to pay them what they want first. I'm contacting my local news station i swear to God i want my money now! I have nothing and those crooks won't hand over MY retirement check!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23456
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Visa Flagship Card Account Ending in # XXXX, was compromised and used without my permission on XX/XX/2022 for the total amount of {$21000.00} at the XXXX XXXX XXXX, in XXXX, NJ. Upon discovering my wallet and personal items were missing, I immediately went back to Navy Federal Credit Union Branch in XXXX XXXX, NJ. I spoke with a representative regarding my lost wallet in hopes that someone found it and returned it to the branch. At that time the representative reviewed my account to pause my credit cards and found my card was charged for {$21000.00}. I then went to the XXXX XXXX police department to report my wallet missing which consisted of my license, credit cards, debit cards, social security, etc. The police provided me with a report and a case number, in which I provided too NFCU. In return, NFCU advised me that the charge would be investigated, by means of obtaining signature, video footage from the place of the fradulent charges. I was advised that the investigation would take 90 days. After they concluded their investigation, I was advised that they were in favor of the charge and it would remain. In the letter sent determining their reason for denial, it alluded to the fact that I was a criminal and made arrangements with the store. And also stated that they made their decision based on my account spending, in which me and my wife pay off the card numerous times throughout the year. I feel victimized and racially profiled as a criminal by the bank, in which I am the actual victim. NFCU stated that they sent a text msg to my phone asking for permission to process the charge, in which I never received a text message, nor have I ever received a text from them in the past, requesting permission for large transactions. NFCU always calls my phone to verify verbally with me. I contacted XXXX to obtain a phone bill to prove to them that I didn't receive such text, and per XXXX, prepaid accounts do not have bills, nor are calls/texts captured for such events. NFCU also advised me that they did not contact the vendor to obtain video surveillance, or signature, per their policy they do not do such things. But during the initial report of the incident, I was advised they would be doing a thorough investigation, in which it turns out that they did nothing to help me as a victim. Instead they are degrading my character and integrity by making accusations that I am a criminal. I requested that the call that was initiated into NFCU be reviewed and they did not review that either. I'm left in the dark as to what happened and now I have charges for {$21000.00} in which I have no idea of what it is, and they won't provide anything to assist me. I sent video footage to show my whereabouts on that day of the incident, and I went to the scene of the crime and filed a police report with XXXX Police Department. If I had known they were not going to do a thorough investigation, I would have done my own sooner, to prevent any delays. I feel as though I was misled by NFCU by tricking me into thinking they were there to help me. They have not provided any proof that I was involved and I demand, that they review everything thoroughly that was sent over to them, instead of sitting my file on the desk for 90 days and not review anything and turning around denying the fraud case. I am currently awaiting a detective from XXXX police department to be assigned to the case. Clearly you can't put your trust in the bank to protect your money. Instead, they want to make you out to be a criminal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Navy federal credit card charge me for fraudulent activity that was made on my account without my authorizations. I reported these fraudulent charges and they are still charging me for things that I did not do I never use my Navy Federal credit card I apply for it I got approved for it and never used it I lost my card and someone used all my funds on my navy federal credit card now They are charging me for the fraudulent activities
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2022, I was the victim of fraud. I transferred {$20000.00} from my XXXX XXXX account to an account at Navy Federal Credit Union. I recalled the transfer the next day, but Navy Federal refused to reverse it. I filed a complaint with CFPB about this. In XXXX, they informed XXXX XXXX that the funds could be returned. I signed a letter of indemnity with XXXX XXXX to receive the funds. Yesterday, Navy Federal finally completed the transfer recall. But they only returned {$3500.00}, or about 17 % of the total that was taken from me. The rest is a " fee '' according to the communication from XXXX XXXX. A {$17000.00} fee held by Navy Federal. I contacted XXXX XXXX, and they said they've done all they can and had no further explanation from Navy Federal. When I contacted Navy Federal, they said I'm not a customer of theirs, and they could not share information about their other customers ( the person who defrauded me ). I want to get the rest of my money back. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94127
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I spoke with Navy Federal on the XXXX of XX/XX/2022 the department was over deft department, I told them that I wanted to take next weeks deposit and place in my account that was almost XXXX old and the rep agreed but on the XXXX of XXXX the automated system placed it in the wrong account and I called to see if the would take the money and place in the correct account and I was denied. I was not able to speak with a supervisor myself but was denied that right and was hung up on multiple times and was told that I could not speak with anyone in the over daft department by a supervisor in checking department who was very nasty and rude and by multiple customer service representatives more than once and more than twice and more than XXXX times. I was told by a leader that tried to assist me but wasnt successful due to the time this was in the branch that when I left Navy Federal on the XXXX of XX/XX/2022 to call and only ask to speak with a supervisor in the over draft department this was after XXXX central time, I called was denied the right to speak or to be transferred to the overdraft collection department by every rep that got on the line. I was abused by rep named XXXX and he hung up on me and stated that I needed to stop calling because my issue will not be resolved. Because of the stress and unfair way I was treated by navy Fed I did lash out on XXXX conversations because of the unprofessional attitude of the supervisor and representative for that I apologize, but it did not give other representatives the right to mistreat me when I called back to try to speak with a supervisor in overdraft department. I would like to verbally make a commitment against these representatives Navy FederaXXXX is a good credit union and I never had issues with customer service but on XX/XX/2022 XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In Accordance with the Fair Credit Reporting Act XXXX XXXX credit card Has violated my rights by putting late payment status on my credit report 15 U.S.C 1682 section 602A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : 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 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: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: In 2014, I received a home improvement loan from Navy Federal Credit Union in the amount of {$20000.00}. On last month, I reached out get a payoff for the loan and the amount due was more than I originally received eight years ago. I spoke with several representatives asking for an explanation detailing how the current balance is more than what was borrowed. I asked for an audit of the account to be sent to me for to understand my indebtedness. As of today, I have not received any communication of any form regarding my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 71111
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I would like the old addresses for this navy federal accounts be removed and the accounts that are closed removed off my credit report. One navy federal account amount was XXXX and another account pertaining to navy federal was in the amount of XXXX dollars. These amounts were settled, closed and paid off.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I called to apply for a loan at Navy Federal Credit Union via phone with a live agent. The purpose of the loan was to consolidate credit card debt. Once the details of the loan were explained, I verbally asked the agent for clarification if I was understanding correctly that interest would not accrue until XX/XX/2022. I intended to pay a significant portion of the loan before the date provided to avoid major interest. I made the decision to go forward on the load based on the information the agent providedprimarily the fact that I wasnt accruing interest until XX/XX/XXXX. I would like for this issue to be resolved by XXXX XXXX taking responsibility for the information its employee provided by waiving the interest until XX/XX/XXXX as I understood it would be based on the information given. Case # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A