Date Received: 2022-07-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX, I received two notifications that Navy Federal Credit Union had ran my credit. It was strange to me since my credit was locked. How is a credit union able to manage this? On XX/XX/XXXX I received another notification via XXXX that another hard inquiry was submitted. As perplexed as I was I reached out to the company and received no resolution. On XX/XX/XXXX I received a notification that a credit card had been opened in my name. I reached out to the company and we confirmed that the date of birth was incorrect as well as other facts- such as the addresses being incorrect. I have never lived in XXXX XXXX or in North Carolina. However, there were the addresses. At this time, my credit was also locked. I reached out to the company and still- have not received a resolution. I am now being hindered as my credit score is being affected by these three inquiries and a now delinquent account for which I am not responsible for. How is it that this credit union was able to not only submit inquiries but also open an account while my credit was locked?
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I complained about my account with the credit union because it has a credit card that I never had and though it was paid off and closed. My money was removed from my account and it was paid for without my permission. I filed a identification theft report to the police department.And I gave it to the Navy Federal credit union and its still reporting to my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
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: Navy federal credit union closed my accounts and I ask me to provide information in which I did, I reported over a year ago about someone trying it open an account in my name navy federal credit union did not take me serious at all I was not transferred to the security department to report the issue navy federal credit union union failed on me and closed my accounts that I had for over 4 years and I have witnesses that can say that these accounts are mine, I provided the information to show who I was Im fixing of file with the security and exchange and report this credit union, I proved who I was and they demand me after they falsely accused me and didnt want to hear they were wrong and I prove them wrong, they didnt like it, these people are rude and unprofessional I am a United States XXXX XXXX , this credit union treats there veterans very badly, I had provided that information the only reason they didnt reopen these accounts there excuse was I over draft but I had the money at that time to pay the other checking account off, I already paid one account off, its going of be funny when I walk into branch and I prove Im XXXX XXXX and this credit union owes me for calling me a liar I will turn this over to an attorney and I will have this account taken off my credit report, they demanded me to pay for something they fail to do properly, they committed fraud against me I will send through the consumer financial protection bureau a copy of identification and data breach in which XXXX drop all my information on the dark web and a ftc identity theft report, this credit union has over step there judgment and this credit union treats people very badly I mean badly, I want contact by the thr credit union about this situation, I am XXXX XXXX. I will not pay for anything is when these accounts were closed by this credit union for false information, they did not want to see that I was and I am XXXX XXXX, Im not going to pay for this credit card when it was navy federal credit union that got there facts wrong this needs to be corrected that credit card was being paid for, I will have this account removed and will put a very bad statement against navy federal credit union about this situation on my credit report that they blame for there mistake, either correct the situation or Im seeking legal representation to resolve this matter I will be demanded on something navy federal credit union did on purpose thats how bad this credit union is now resolve this matter
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
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: Please review all attached documents for specific dates and examples of trying to resolve this matter. I notified Navy Federal Credit Union that the information that is being reported on my credit report is inaccurate per 15 U.S. Code 1681s2 ( b ) and they sent a notice back saying it is verified. I Also notified XXXX, XXXX, XXXX and XXXX and the report came back as verified. I know this information is inaccurate because I tendered payment when I initially opened the account. Proof that payment was tendered as stated in 26 CFR 15a 453-1 ( e ) ( 1 ), the Department of the Treasury defines payment ( 1 ) Treatment as payment - ( i ) In general. A bond or other evidence of indebtedness ( hereinafter in this section referred to as an obligation ) issued by any person and payable on demand shall be treated as a payment in the year received, not as installment obligations payable in future years. In addition, an obligation issued by a corporation or a government or political subdivision thereof - ( A ) With interest coupons attached ( whether or not the obligation is readily tradable in an established securities market ), ( B ) In registered form ( other than an obligation issued in registered form which the taxpayer establishes will not be readily tradable in an established securities market ), or ( C ) In any other form designed to render such obligation readily tradable in an established securities market, shall be treated as a payment in the year received, not as an installment obligation payable in future years. Sec. 401. The sixth paragraph of section 18 of the Federal Reserve Act is amended to read as follows : " Upon the deposit with the Treasurer of the United States ( a ) of any direct obligations of the United States or ( b ) of any notes, drafts, bills of exchange, or bankers ' acceptances acquired under the provisions of this act, any Federal Reserve bank making such deposit in the manner prescribed by the Secretary of the Treasury shall be entitled to receive from the Comptroller of the Currency circulating notes in blank, duly registered and countersigned. The Act further states, We have provided that any direct obligations of the United States or any notes, drafts, bills of exchange, or bankers ' acceptances acquired by Federal Reserve banks may be deposited with the Treasurer of the United States or with the Federal Reserve agents, and upon these securities Federal Reserve bank notes may be issued. In case of the deposit of the obligations of the Government, the issue of Federal Reserve bank notes may be for the entire amount of such securities. Navy Federal Credit Union is continuing to furnish inaccurate account information to credit reporting companies, including wrongly reporting late payments. This is heavily tarnishing my consumer credit report at no fault of my own. This false reporting has been illegally tarnishing my financial reputation and overall consumer report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I started a mortgage application with Navy Federal Credit Union in XX/XX/2022. I stated it was for a new construction home. Within a few weeks, I was assigned a loan employee, XXXX XXXX. At first XXXX XXXX was very kind to me and I realize now was performing grooming behavior. She asked and offered too personal of questions and information, such as each other 's free time activities, home decoration topics, shopping and other non-mortgage related chit chat. This appeared to be for building a relationship and seeking very personal information. In late XXXX and XXXX XXXX XXXX 's demeanor changed, she became abrupt, rude, contradictory and gaslit me that what I applied for in a mortgage loan was no longer an option. She changed the mortgage loan terms I applied at, from approximately 3.125 % XXXX points, XXXX fee, XXXX ARM loan to 3.875 % 15 year with fees, claiming that I didn't chose an option or lock a rate and a myriad of other accusatory statements. In XXXX 2022 I informed XXXX XXXX that her company 's loan programs were not competitive with the rates and fees of other mortgage programs offered. She stated that she can submit any competitor Loan Estimate for an updated Navy Fed offer that will beat any competitor. When I submitted the offer I found, she claimed that she can rate match the program, and beat the amount of fees charged. However, she returned documents that significantly increased again the fees and rate. This was totally contradictory to her statement of improving upon the competitor 's loan offer. Navy Federal increased the rate, and added mortgage points and origination fees. Additionally, she threatened me with time demands, that if I didn't sign paperwork within that business day that my mortgage loan application would be cancelled. I stated that her company 's offer did not beat the competitor, that it was higher in all three - rate, origination and point fees and that that was unacceptable. Because this was unacceptable, I refused to accept the Navy Fed offer and did not sign with her company XXXX XXXX XXXX. Nevertheless, XXXX XXXX has continued to act like she is my lender to my home buying professionals, including real estate agents, new home construction builders, credit agencies and other individuals. This has been going on for over 2 months. She has emailed without even copying me on messages to my real estate agent, home builder, and other people and agencies. Today she emailed that she is pulling my credit report and ordering my title- both without my permission and against my will. This is totally illegal, unprofessional and uncalled for. I have experienced Identity Theft in the past few months and XXXX XXXX is not being mindful nor respectful of my personal information. She may be to blame for my Identity Theft. She has access to all of my financial, social security and other information and is using it as she wishes without my permission. Her actions are outrageous and unacceptable. She is bullying and harassing me with numerous unwanted, unsolicited calls and emails to myself and the other named home real estate contacts. I am a single woman and she is taking advantage of me. I am filing this complaint with the Consumer Financial Protection Bureau to notify them of this outrageous, unprofessional, harassing, fraudulent behavior. I wish to have XXXX XXXX removed from her position and access to my information and files immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: on XX/XX/2022 I received mail from Navy Federal Credit Union stating that my account was closed. They also used obscene and profane language in this letter while also violating multiple consumer rights which you will see in Exhibit A and Exhibit B. I will also be sending them an affidavit of truth letter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX XXXX, VA XXXX NOTICE : Cease and Desist Pursuant to 15 USC 1692c ( c ). I am notifying you in writing that I conditionally accept your offer upon proof of bona fide claim regarding this alleged debt, and I am demanding that you cease all forms of communication with me through ANY and ALL mediums. Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : A. XXXX out the balance on both accounts and leave both account # XXXX and account # XXXX Open pursuant to 15 USC 1602 ( j ) - open end credit plan and open end consumer credit plan Notice Request for bookkeeping GAPP ( Generally Accepted Accounting Principles ) Notice to XXXX XXXX XXXX, Vice President- B XXXX and XXXX XXXX XXXX XXXX I conditionally accept your offer upon bona fide claim through sufficient evidence by producing or providing or presenting material facts to prove your claim. Under penalty of perjury or in Good Faith, I am requesting your bookkeeping GAAP ( Generally Accepted Accounting Principles ) which Banks are required to adhere to so that I can verify and validate your claim. Failure to comply under law leads me to believe you may be committing Fraud and False Claim pursuant to 31 USC 3729 ( a ) ( 1 ) ( A ) ( B ) ( C ) ( D ) ( G ). Please note I have the right to obtain Clear, Complete and Accurate information. I also have the right to ask questions and you have a duty to answer them. XXXX. Is it true when a bank accepts bullion, coin, currency, checks, drafts, promissory notes, or any other similar instruments ( hereinafter instruments ) from consumers and deposits or records the instruments as assets? If you disagree, please produce, or provide or present material facts or sufficient evidence to support your claim lawfully. 2. Is it true it ( banks ) must record offsetting liabilities that match the assets that it accepted from consumers? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. XXXX. Is it true the liabilities represent the amounts that the bank owes the customers, funds accepted from customers? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 4. Is it true that most of the funds advanced to borrowers ( assets of the banks ) are created by the banks themselves and are not merely transferred from one set of depositors to another set of borrowers? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 5. Do you have express written consent to maintain my personal and private records or my financial information in your data base? If yes, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 6. Are you participating in FRAUD, Extortion and Dishonor? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 7. Is it true that I a man extended my credit to Bank and bank extended the credit back to I a man? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 8. Is it true that lawful money only included gold, silver, and currency notes redeemable for gold or silver on demand? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 9. Is it true that an exchanged of reciprocal credits involving money of account and not money of exchange ; and that no lawful money was or probably ever would be disbursed by either side in the covered transactions? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 10. Is it true that the bank created funds for the consumers transaction account without the consumers permission, authorization, consent, or knowledge and delivered the credit on its own books representing those funds to the consumer, meanwhile alleging that the bank lent the consumer money? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 11. Is it true that the banks create new money by depositing IOUs, Promissory notes, offset by bank liabilities called checking account balances? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 12. Is it true that when the banks grants loans they create new money? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 13. Is it true that the banks bookkeeping entries tend to prove that banks accept cash, checks, drafts, and promissory notes/credit agreements ( assets ) as money deposited to create credit or checkbook money that are bank liabilities, which shows that, absent any right of setoff, banks owe money to persons who deposit money and Cash ( money of exchange ) is money, and credit or promissory notes ( money of account ) become money when banks deposit promissory notes with the intent of treating them like deposits of cash? See, 12 U.S.C. Section 1813 ( l ) ( 1 ) - ( definition of deposit under Federal Deposit Insurance Act ). If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 14. Is it true that the newly issued credit or money is similar or equivalent to a promissory note, which may be treated as a deposit of money when received by the lending bank? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 15. Is it true that when banks make loans is to accept promissory notes in exchange for credits to the borrowers transaction accounts? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 16. Is it true that a consumer credit application was converted into a loan? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. 17. Is it true that NAVY FEDERAL CREDIT UNION in fact never lent any of its own pre-existing money, credit, or assets as consideration to purchase the Note or credit agreement from I a man? If you disagree, under penalty of perjury or in Good Faith please produce or provide or present material facts or sufficient evidence to support your claim lawfully. Notice : Further attempts to collect on an account already agreed to setoff settled and close leads me to believe you may be committing FRAUD and shall incur a penalty and/or criminal liability of a XXXX XXXX dollars ( {$100000.00} ). Notice Pursuant to 15 USC 1681r further reporting of inaccurate or incomplete or unauthorized disclosure of alleged account reporting in question if you knowingly and willfully continue to be unlawful i will claim harm by the way of Trespass, FRAUD, Breach of Privacy rights, dishonor and unauthorized disclosure by unlawful officers or employees of XXXX and shall incur a penalty and/or criminal liability of {$10000.00} a day upon receipt of this offer. Notice Pursuant to 15 USC 1681b ( 2 ) -Permissible purpose of a consumer report. Do you have the authority to furnish anything on my consumer report or consumer file without my consent or written instructions? If yes, in good faith or under Penalty of Perjury please produce or provide sufficient evidence or documentary material facts to support your claim lawfully. I am demanding you in accordance with my rights pursuant to 15 USC 1681b ( 2 ) Pursuant to 15 USC1681a ( d ) ( 1 ) ( A ) ( 2 ) ( i ) as my instructions are as follows XXXX out both accounts and leave them open pursuant to 15 USC 1602 ( j ). See below 1. NAVY FEDERAL CREDIT UNION Account # XXXX and account # XXXX You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 10 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if ANY portion of this form is not completed and return with copies of ALL requested documents. This is a request for validation and verification made pursuant to the Fair Debt Collection Practices Act. Best regards, XXXX XXXX a man.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I made application for a personal loan with Navy Federal Credit Union. Navy Federal Credit Union denied a loan that was essential to the Consumer. They took the funds under cozenage. I would like to invoke my arbitration right against Navy Federal Credit Union. They have conspired against me with the use of deception which serves as a breach of trust and identity theft. Upon acceptance of the Consumers Source Data that created the securities and interest with Navy Federal Credit Union, dividends were to be electronically transferred back to the Consumers Estate. The investment that was made by the Consumers Source Data with Navy Federal Credit Union were hidden clandestinely from the Consumer and stored in a retirement fund for insurance by Navy Federal Credit Union. I want to see where the funds were deposited. The Consumer Signature is valued at XXXX USD as required by Navy Federal Credit Union. According to 15 USC 1681a ( k ) ( 1 ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This complaint is against the Mortgage group of Navy Federal Credit Union. I was charged twice for a credit check even though they have a " credit dashboard '' which displays my credit score daily. Most aggravating was the way they held me hostage till the very last minute with regards to the information and documents required from me to close on the transaction. The application process was started over 90 days before the estimated closing date. I asked them numerous times ( I have the emails to prove it ), to let me know all the documentation and supporting information that their Underwriters would need. I was continuously assured that everything was on schedule by the Loan Officer. But the Loan processor who was the mouth piece for the Underwriters kept surprising us with new requirements. Three days before closing I was told that I needed to submit a " flood certificate '' for a property that was not being financed. After rushing through rush hour traffic and an hour drive across town to look for the document I got a message after 4 hours that it was not needed. A day before the closing while we were driving across the country I got a message that an insurance document was needed from the XXXX XXXX. A few hours later I was told it was not needed,. Mortgage companies should be held to a firm time table.and accountable and not subject consumers to last minute demands. i.e. no demands should be made, if the customer has complied, say within two weeks of closing. NFCU 's mortgage process is dysfunctional and very customer unfriendly...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75022
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am writing this complaint regarding my checking account ending in XXXX at Navy Federal Credit Union. I have tried several times to resolve An issue regarding returned item fees with Navy Federal directly. Now, almost daily, new fees are being assessed that are related to recurring debit transactions that have been in place and now they are assessing them as ACH transactions. It seems this is being done to assess more returned item fees. This all began, once I made mention of filing a complaint with the CFPB upon speaking to a telephone representative and a supervisor whom acknowledged the error and proceeded to still place blame on me for not calling within 60 days. Initially, when I explained that I had just recovered from some personal health and family matters, I was told that I was to have reviewed my statements within 60 days and that any fees they waived were a courtesy and they did not have to waive them. I was also told that just like there are laws to protect consumers, there are laws that help banks also. Once I asked the policy, the supervisor stated that if the funds are not available the end of day for a transaction, then a returned item fee is assessed the following business day. I have been a customer of NFCU for a long time and I can not even make my credit card payment due to my account keep having new fees. In the messaging center, I pointed out that I hadnt received notices about anything for several of the months in question, now they make sure I receive a message everyday about a new fee and dont try to resolve my requests to look into my original issue. I have attached copies of each statements that have fees in question. I will also attach screenshots of my communication with NFCU through their apps messaging center to document my attempts to resolve. I do not have any phone records but I called from the phone number on my account each time. Thank you for taking the time out to review my inquiry.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A