Date Received: 2022-08-09
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Account was opened in my name on XXXX of XX/XX/2021. Navy Federal Cr Union
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84003
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have sent Navy federal credit union a correction of billing errors notice pursuant to 15 USC 16666 ( a ) which was delivered XX/XX/2022, stating that there is an error in the statements for credit cards and vehicle " loan '' associated with ACCOUNT NUMBERS ENDING : XXXX pursuant to 15 USC 1666 ( b ) ( 4 ) and have demanded that they credit the account with the amount of credit ( {$6000.00}, {$1000.00}, and {$61000.00} ) that was issued to the consumer ( me )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23701
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Me and my children are victims of targeted organized crimeXXXX XXXX, I received an electronic notice that I received a deposit. I thought the deposit was from my property manager who is theONLY person with my business account information. No one else, has the business account information butXXXX XXXX, Real Estate XXXX of the XXXX XXXX XXXX XXXXXXXX ) XXXX. I went to pay my mortgage payment and noticed {$2900.00} was withdrawn from my account leaving a negative balance of {$29.00} so I called NFCU to find out what happened to the funds.OnXXXX at XXXX a scammer by the name of XXXXXXXX XXXX, used acounterfeiXXXX XXXX XXXX bank check and made a deposit at theNFCU branch location XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. I never lived in nor ever visited the state of Georgia and don't know who this person is. I am also a victim of identity theft - it escalated over the years with my name, SSN, email, phone and DOB being sold to the dark web on XX/XX/2022. NFCU told me the XXXX XXXX XXXX check # XXXX was dated XX/XX/2022 by XXXX XXXX. XXXX XXXX was the writer of the check. XXXX XXXX was a customer of XXXX XXXX and wrote the check to XXXX XXXX. The deposit time was at XXXXXXXX XXXX XXXX and then at XXXX withdrawal was done right after. Not sure if identification was used to identity the person ( s ) who made the deposit and withdrawal of {$2000.00}. The teller who took the check did not write identification of the person who made the deposit on the check. The money stolen from my account was money for my mortgage payment. That business account was set up solely for my mortgage and the only deposits received are from my property manager. NFCU does not know if it was one or two people who made the deposit e.g. XXXX and whomever the female was who impersonated me. Also, I am the only person on my NFCU account - no one else is authorized to access my account. NFCU accepted the counterfeit check from the scammer ( s ). XXXX XXXX, wrote my name, SSN and the company 's old XXXX XXXX Wyoming business address on the back on the XXXX XXXX XXXX check - forging my name on the back of the check as well. My attorney changed the business address early this year so the scammer used the wrong address when he/her impersonated me. I have beentargeted by a counterfeit check scam. In addition, the transaction should have been caught on camera since the deposit was made at a branch and I would like charges filed against this scammer ( s ). I had NFCU close the business account and issue a new account number also placing restriction on the account that no deposits are to be made into the account at a branch and I am to be notified if any attempts are made. The confirmation for the NFCU fraud claim is # XXXX. This account is solely for my mortgage loan which only receives electronic deposits from my property manager so I find it odd that this very organized and targeted incident happened, in a state on the other side of the country- at this specific branch, and the teller didn't write the persons identification on the check. The scammers stole {$2000.00} from my account - that was money which was for my mortgage and the funds have not been recovered.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89166
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My consumer file has an unauthorized inquiry that i received no benefit from, from Navy Federal Credit Union on XX/XX/2022 2022
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am writing this complaint because my financial reputation is being ruined by false and misleading information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was pre approved by Navy Federal for a XXXX conventional mortgage with the required information. Long story short, after final approval and set closing date, two days before closing i am told " we can not move forward with the loan '' ...... When asked why i was informed a letter would be mailed out to explain. I complain directly to the loan officer, she apologized and immediately refunded the appraisal fee. I believe they should be held accountable for charges that occurred to close on the home I paid to have inspected as they required in the loan to purchase agreement. This has made my first time homebuying experience so traumatic, I am seeking the confidence to shop for a home for the first time. I was not expecting a lender to just pull the rug from under myself and two kids. I have to wonder if this had anything to with my complaint on the initial originator of this loan. I am just sad and frustrated, they were aware of my lease ending and the closing date being critical. I am so highly dissappointed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: this card from navy federal had been fraudulantly obtained in my name and this reporting on all of my credit reports has been causing me undue problems with my finances i never applied for this card nor did I spend XXXX XXXX of the said credit account. the card was obtained in late 2020 a a covid year a year in which I had no reason to apply for a credit card.this is a direct consumer violation of 15 USC 1681 a ( q ) ( 3 ) IDENTITY THEFT similiar to REG V 12 CFR 1022.3
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I applied for a HELOC through Navy Federal through their online application. I selected options from a drop down and filled out like I was asked. I was then charged {$5.00} for a credit check and they ran a hard credit check. I then received a denial letter because they didn't offer the product that I applied for.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78230
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022, my account was unlawfully closed Pursuant to CFR 1002.7. 1002.7 Rules concerning extensions of credit. ( a ) Individual accounts. A creditor shall not refuse to grant an individual account to a creditworthy applicant on the basis of XXXX, marital status, or any other prohibited basis. ( b ) Designation of name. A creditor shall not refuse to allow an applicant to open or maintain an account in a birth-given first name and a surname that is the applicant 's birth-given surname, the spouse 's surname, or a combined surname. ( c ) Action concerning existing open-end accounts- ( 1 ) Limitations. In the absence of evidence of the applicant 's inability or unwillingness to repay, a creditor shall not take any of the following actions regarding an applicant who is contractually liable on an existing open-end account on the basis of the applicant 's reaching a certain age or retiring or on the basis of a change in the applicant 's name or marital status : ( i ) Require a reapplication, except as provided in paragraph ( c ) ( 2 ) of this section ; ( ii ) Change the terms of the account; or ( iii ) Terminate the account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have contacted Navy Federal Credit Union over a dozen times explaining the Identity theft I have occurred. They have not only not granted my chargebacks on my credit card ( My money protected by the XXXX ), they have also let a fraudulent check be deposited into my account of {$40000.00}. They also call 4-5 times a day in attempt to collect the debt. I can not pay $ XXXX that another individual stole from me. I will be providing my Identity Theft Report with this complaint. This has been going on almost a year and has destroyed my life. The amount on my credit card is more than double what my credit limit is. How can that even be possible? I am not even able to login into my accounts to check what other activity is going on as well as when I call in, the representatives will not gain me access to my accounts or give me my account numbers to report to the FTC, CFPB, as well as XXXX, XXXX, XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A