Date Received: 2022-08-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I recently changed my direct deposit information with my job putting in my last three numbers of my account number incorrectly causing my check to go the the wrong account. The account number that was put in ending in XXXX when my correct account number ends withXXXX. I contacted the bank to discuss this matter. I was told there was nothing I could do because the member that the money was sent to had already use the funds. As a result of that, they had to wait for him to send the money back to them in order to credit my account. It is unfair to me because I work hard for my money and the name on the account should have been checked despite the account number being incorrect. This is unethical and unprofessional. Things like this show customers that they are not entitled to mistakes. I think that this is also theft from the Navy Federal member knowing that the funds were not his.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022 -- a XXXX XXXX buyer was offering to pay upfront {$1200.00} for a road bike I am trying to sell. The potential buyer stated she was sending {$1200.00}, but received an email ( which I received the same email from " XXXX '' ) stating that I don't have a " Business '' account with XXXX, which allows me to send/receive higher amounts of funds, since it states my account has a " limit. '' As a result, an extra {$400.00} was needed to increase my limit. The buyer stated she felt comfortable sending the extra {$400.00}, as long as I was willing to immediately refund that amount back. The buyer made it seem like she was anxious about trusting me, and repeatedly attempted building report and a sense of empathy on my side, by stating the funds she sent couldn't be reversed and was being held by XXXX, until I refunded the amount. At this points, there were no funds at all in my checking account via XXXX. The potential buyer repeatedly harrassed me with multiple calls out of a " sense of urgency '' to help with the " refund, '' in order to get her {$400.00} back and also to help push through the funds that were supposedly being held by XXXX. Fast forward, when I attempted to send the {$400.00} with XXXX via Navy Federal Credit Union ( personal bank ), it was placed on a hold. I had to call my bank to release the hold, which I did. Then, immediately I asked a question regarding XXXX limits, but at that point, it was too late and there was nothing NFCU could do to help me retrieve/replace the lost funds/cash. I tried to reach out to the buyer, and she acted as if I needed to email proof of the conversation to XXXX. She tried to tell me multiple times to " trust me. '' At which point, I was just being led down a hopeless path. Afterwards, no further messages were sent via XXXX XXXX bugging me to help get her funds ( i.e {$1200.00} back ). I haven't experienced this level of fraud with multiple communications. The previous attempt at fraud ( via XXXX ) was stopped in it's tracks, thanks to NFCU ( in-person ), involved a cashier 's check for another product I was selling on XXXX. Anyways, it's {$400.00} that I can't get back, and it saddens me that people would attempt to swindle others especially during these type of financial times. To help others, the person 's names is XXXX XXXX, email XXXX, nickname " lumpkins '' ; " XXXX '' is the XXXX name attached to the account. XXXX user name is XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to XXXX via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my XXXX credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NAVY FCU XX/XX/XXXX NAVY FCU XX/XX/XXXX I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting ageny.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In XX/XX/XXXX, I learned of a fraud claim of XXXX. I admitted to allowing a friend of a friend to use my phone only to find that he filed this fraudulent claim and obtained the monies from it. {$2900.00} was transferred to another navy federal member who admitted that my friend 's friend was her boyfriend that committed this fraudulent act towards me and her account/funds were released. My mother and I spoke with navy federal reps in XX/XX/XXXX initial contact after nfcu letter received, XX/XX/XXXX when advised of the appeal process being an option, XX/XX/XXXX to be advised that the appeal letter was received and in process, and again today XX/XX/XXXX with a branch representative who advised there is no documentation/activity showing after the XXXX conversation and also that the member 's, XXXX XXXX XXXX her name is listed on the bank statement received ) account was released and no funds were recouped. I SWEAR TO YOU AS I DID TO NAVY FEDERAL IN MY APPEAL, that I have no knowledge of XXXX only communications with my friend 's friend. I believe that it is unfair that I have been penalized not being able to use my account and owing this entire balance when she received and used funds from a fraudulent claim. I spoke with XXXX and a male rep and advised them both of my fault and willingness to satisfy the debt if the case was truly reviewed and decided on in a fair manner. I have made the attempts to follow up but have not received any correspondence via email, mail, or phone. It has been 90 days or more since the appeal was received and is ample enough time to investigate. Please help as I want to rectify this situation. I have attached supporting documents.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with my written instructions. 15 USC 1666B : A creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for an purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
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: I, the consumer, natural person, and the cardholder of my consumer account ending in # XXXX. NAVY FEDERAL Credit Union has violated 12 CFR 1026.11 by taking away my access to my account. Navy Federal refuses to honor my presentment for offset of this debt. This contract/security falls under 18 USC 8 and is the obligation of the United State Treasury ; Navy Federal refuses to credit my consumer account. You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I notified Navy Federal of this violation via certified mail. XXXX XXXX is in violation of 12, CFR 1016, 15 USC 1692e, 12 CFR 1026.11, 15 USC 1691, 15 USC 1679g, and 15 USC 1693h.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I, the consumer and natural person, signed a promissory note and gave it to NAVY FEDERAL CREDIT UNION. I sent NAVY FEDERAL CREDIT UNION an assignment of rights and a negotiable instrument in tender of payment of the obligation created. NAVY FEDERAL CREDIT UNION sent a letter denial of this instrument but failed to return the instrument. NAVY FEDERAL CREDIT UNION dishonored the instrument by note releasing the payment. I sent NAVY FEDERAL CREDIT UNION a notice of rescission, which you also failed to honor. NAVY FEDERAL CREDIT UNION is in violation of 15 USC 1635 and 12 CFR 1026.23. You are subject to criminal liability for violating 15 U.S.C. 1691 as I have proof that I notified NAVY FEDERAL CREDIT UNION of this violation via certified mail. NAVY FEDERAL CREDIT UNION is in violation of 15 USC 1692e, 12 CFR 1026.11, 15 USC 1691, 15 USC 1679g, and 15 USC 1693h.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Attempted to pay off the mortgage. Bank did not dishonor, reject or return my payment coupons and didn't close the accounts either. Attempted to have the debt validated by bank. Requested validation twice. Bank refused to answer any letter. Notified bank of contract change due to lack of response and lack of validation. Bank is now attempting to take action. Harassing letters are non-stop with the threat of foreclosure and now a lawyer has joined the team signing the same thing. But they will not answer any questions from the XXXX XXXX!!! No contract with XXXX wet ink signatures has been shown, only a photocopy of the original note. They are not in compliance with the UCC and the bank is violating my rights under the XXXX of law. The Maxims of XXXX XXXX apply to everyone!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/22 I went into my credit union Navy Federal & was told deposit will be available on XX/XX/22 funds sat in my account until XX/XX/22 Ive contacted Navy Federal this is bank negligence, bank competence, discrimination against me because Im XXXX money held in my account been high amounts since Ive joined XX/XX/22 with them. Thus is a legit valid US Treasury Check. Bank gave me a number to call on a letter by mail dated XX/XX/22 & on XXXX of my complaints y'all closed out without verifying this matter. Its caused me to be unable to pay my bills & receive my funds from my Business Taxes for the 2021 year. Ive submitted proof of providing documents on the check. US Treasury can verify check cleared and states paid in their system on XX/XX/22. Navy Federal gave this number on a complaint I filed with yall on XX/XX/22 XXXX, it is not a valid number. Thus needs high level investigation I need my funds out my personal account ending in XXXX, & business account bank has yet to reviewed my money which I deposit way from XX/XX/22. Totaling XXXX in account ending in XXXX. US Treasury trued to contact bank at all numbers given none work to give me a number not working shows yall their the ones lying and trying to steal. I have meeting with a news reporter and will let them see these facts. US Treasury XXXX XXXX ( XXXX ) XXXX behind IRS Business Refund with guaranteed funds of XXXX valid checks. I busted IRS XXXX XXXXXXXX on XX/XX/22 I will upload documents on XX/XX/22 XXXX XXXX restricted me access from my funds out my personal account. I need my money immediately this matter has dragged on far too long. Next level is a lawyer as Ive written White House congressman is sending in a complaint with supporting docs XXXX XXXXXXXX on my behalf as they too know its my check and its from the IRS XXXX XXXX business taxes at ( XXXX ) XXXX or ( XXXX ) XXXX. I have XXXX children this matter no bank has any right to without customer funds ever especially not a month today is XX/XX/22 thus occurred on XX/XX/22. Thus bank is not following their NCUA regulations
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77071
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I have like 8 accounts from Navy Federal Credit Union stating that these accounts are mines but the social security numbers and address wrong but they're on my Early warning as mines. I sent my ss card with my ss number and my driver license number which is all different. These are not reflexing good on my part of opening checking account and i would like them removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A