Date Received: 2022-07-20
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: My auto loan with Navy Federal Credit Union was paid off in early XXXX. About mid XXXX, I contacted Navy Federal Credit Union regarding my title. They stated that the Virginia DMV placed a hold on the title. Upon review of my past Virginia DMV account, there are no holds. I again requested the title with XXXX XXXX and was told that Florida DMV placed a hold on the title. After speaking to a rep at the Florida DMV, I was again advised there is no hold on the title. I have also made three requests to close my account with XXXX XXXX and Im getting no response. I have satisfied the auto loan, I have no title, I have never received a statement confirming the payoff of the auto loan, and I am still awaiting a confirmation that my account is closed and the funds have been sent to me. Im not happy with the situation and do not believe it is a fair practice to hold up my title and closing my account when I no longer wish to be a member of this credit union. As you can see from their latest response they are still providing incorrect information and totally disregarding the fact that I have not resided in XXXX since 2018 and provided them with my XXXX address.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
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: To whom it may concern ; i have sent a complaint before concerning Navy Federal Credit Card. I have been an authorized user on user of my mother 's Navy Federal credit card since XXXX to present. I was diagnosed with XXXX in XXXX and most recently over XXXX to XXXX I went to stay with a friend, who was informed was thrown out of her home, we went to stay with her sister, in which also didn't work for her. I had not known that my credit card was stolen out of my purse without my consent and I avoided my mom, bc she didn't know I had XXXX. i believe I was taken full advantage of due to my illness. I was taking medications prescribed to me by physician which left me sleepy and mentally drained. This has caused a huge problem with my mom who was not aware of the transactions. My grandmother passed in XXXX of this year, after the homegoing services, we had a family meeting with lots of cousins in which my mother inquired with many of whom the culprit was reference the gas, the food, the coupons, and some purchases from XXXX. Since my mother has called the police and ppr ivied them to the charges and nothing has happened. I was an authorized user and this is getting out of hand due to the theft of the card. The phone number of XXXX XXXX XXXX does not ring and XXXX is full XXXX this is the second complaint and my mother had cut up my card in pure disgust. I would like to know if I may get assistance with this matter. warm Regards
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My Navy Federal Credit Union XXXX credit card has a due date of XXXX every month. I am given 3 day grace period. Therefore my statement ending date is the XXXX. This month I made a payment towards my balance of {$2000.00} on XXXX XX/XX/2022. The {$99.00} minimum payment was made in the morning while {$2000.00} was made in the evening. These payments were taken out of my account instantly. Navy Federal released my XXXX statement on XX/XX/XXXX. They did not take into account either of my XX/XX/XXXX payments stating that my payments were made after XXXX XXXX on XXXX. This is not accurate as the {$99.00} payment was made before XXXX on the XXXX. The {$2000.00} was made in the evening. But even then NFCU, took out the money instantly and should have recognized revenue on the date they earned it which is the XXXX. This is an abrogation of XXXX revenue recognition principles. I called NFCU on the XXXX to point out that I was concerned my payments were not being reflected accurately. They told me I should wait until Tuesday once the amounts have posted for them to release a new statement. I called on Wednesday XX/XX/XXXX. The statement was indicating that the payments were made on the XXXX. This is a misrepresentation. They refused to redo the statement. I would like them to redo the statement to reflect the accurate economic reality of my credit card transactions. Their action if left unaddressed will harm my credit scores and hinder my prospect of getting financing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20783
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hello, I am sending what I attached and sent to my bank involving the scam that took place. This was my rebuttal to the first denial, and they have now denied me again, saying " I did not fall under their policy and it will remain denied. '' It truly upsets me that they had all the information to see that this was a fraudulent listing and still refuse to support their members - But gave me back ATM withdrawals ( {$1800.00} ) that I gave them ( the scammers ) when they ( the bank ) said it would most likely not get approved. To whom it may concern, I am a victim of an online rental scam from XX/XX/XXXX to XX/XX/XXXX, when I first reported the issue to the FTC. Over that course of time, I was working on upgrading my living situation from an apartment to a house for my family as our lease was coming to an end, and we provided a 60-day notice that we would be leaving so we could move into this house all while unknowingly being taken advantage of due to my veteran status. After giving our 60-day notice and realizing I was being scammed, the panic set it that there was a real possibility that we would be homeless and out a lot of money. To explain what happened, I will do my best to take you through a very tough situation. To hold the house and take it off the market, I was asked to make three forms of payment first months, last months rent, and a security deposit which was a widespread request to rent a house and is something that is understood nationwide. Additional payments/fees were made per the agreement/contract as it was told that they would be taken off the future rent payments. I was in a very vulnerable state as I was on a new medication that I was prescribed to take due to my diagnosis from my service in the XXXX. This just added to everything that the scammers knew and took advantage of to make it known that I would be an easy target. In addition to the scam against me, the scammers also stole the identity of the valid owner of the house I was going to be renting. I was shown/given documents that the house was owned by the said individual I was supposed to be talking to. The actual person who owns the property, when informed of this matter, said they had never spoken or heard of me and was unaware that their identity had been stolen. I will attach the documents that relate to this and show proof of what I saw. I went to the courthouse to go after the individual who scammed us in a civil matter ; they assisted me with figuring out the actual owner of the property. I tried to do the right thing and attempted to contact her work so I could inform her that her identity had been compromised ; they refused to take a message, and I was later reported to the police, quickly ending up on the wrong side of justice all do to a misunderstanding and the fact that I couldnt explain what had been going on. All I wanted to do was inform her of her identity being stolen and what was going on with her property. Later that night, I was contacted by an XXXX who informed me of what was going on as he called to question me and finally heard me out after scolding me about being a victim of a rental scam that should have been reported sooner. I was trying to do the right thing and help someone else out who was getting scammed by the same person I was, and now I just want this all past me so I can continue living my life without this hassle. After I had been through all these hectic situations and thought maybe this was all past me, the individual contacted me again, asking me to work with him and help scam other people. I informed the police, and they told me that nothing could be done, and my only option and hope left was to contact the bank to get my money back. So, this is where I am asking you for help in clearing up this matter and finally letting me move past it all. I have been a proud Navy Federal credit union member for several years and am to this day. This matter requires some additional and deeper investigation, hopefully resulting in a full refund of money. This was US currency stolen from me, not an online format I lost to trading. I ask that this be taken seriously as it is an actual claim of fraud and a legitimate claim of a scam that was reported to the XXXX Police Department ( Report # XXXX ) as well as the FTC ( Report # XXXX ). ( Files attached ) After I contacted the bank to start the fraud claim, I was issued a new checking account due to the fact that we werent sure if my previous information and financials had been compromised ; I received a new card and switched everything over to my new account. I was under the impression that things were being handled, and I was finally getting the help I needed. The bank returned the majority of the money I lost, which was amazing. All evidence and contact information was provided when filing my initial claim, and that is why I am disappointed in the way this claim was handled and the recent outcome. I was recently notified by email that an adjustment was being made to my account without any kind of warning and left me with a negative balance of {$5900.00} without any explanation. I find this very unprofessional and not living up to what the NFCU stands for. I was always under the impression that NFCU honored and protected their veteran clients from this kind of danger, especially when it involves the sensitive topic of possible veteran homelessness. As you can imagine, this was a very terrifying time for my family and me as we were not sure where we were going to live and out all this money due to the scam. I hope you can understand and see this as a serious matter that has only been causing more problems for me as the days go on. The following information is all the contact information I have between the parties at hand. XXXX Email by the supposed owner of the house phone number is : I believe their name is XXXX XXXX the main person ) ( XXXX ) XXXX XXXX XXXX Email provided by the supposed owner ; this is the person that was supposed to be delivering me the keys through shipment. - XXXX XXXX ( XXXX ) XXXX XXXX Another person that reached out to me being the person brother : - XXXX ( XXXX ) XXXX XXXX XXXX XXXX Email : XXXX The attorney : XXXX Villa Email : XXXX Name : XXXX XXXX XXXX https : //www.timetasklogs.com/welcome/contact.php The website of the shipping company that was supposed to be delivering the keys and documents to the house I was supposed to be renting. https : //www.timetasklogs.com/welcome/check.php The tracking number for this is : XXXX The bank information that was shared with me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXX Routing Number : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I entered into a consumer credit transaction on XX/XX/22 with Navy Federal and they failed to disclose my right to rescind under the Truth In Lending Act. The following attachment is all that they provided me with and I sent them a letter making them aware of the violations which is also attached. Pursuant to 15 USC 1635 ( a ), in the case of any consumer credit transaction in which a security interest is or will be retained, the obligor is both authorized and required to have the right to rescind the transaction. They are also required to provide those forms so that I can exercise that right. They have not. Navy Federal can not try and deny that they don't have this responsibility because they are required to adhere to the Truth In Lending requirements.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 24502
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: Im the end of XX/XX/2017 the lawyer who promised us XXXX help release our kids from corrupted CPS agents and their unwanted commercial, non Federal, not government agency, which nobody voted for or elected, who illegally kidnapped our children and who knows how much they suffering from their criminals activities, which is called in the criminal driven market kids for cash. CPS created fraudulent case against me and my husband name is XXXX XXXX and then, we met this attorney, XXXX XXXX XXXX, who said that he has connection and to release our kids from CPS custody is a piece of cake for him, later as we found out, he was giving courses to white XXXX crimes cyber criminals,, who knows how to live online attacking banking accounts hacked through XXXX and XXXX contacts of other people, like us. So that evening all the money dissipated from MyFICO account and internet banking accounts hacked through XXXX accounts and internet banking accounts hacked through mail fraud transactions, forwarded from MyFICO and online banking accounts from XXXX servers to gmail accounts and contacts with XXXX accounts hacked through XXXX and lost in cyber banking transactions online Al they were controlling transactions online and messing with my mind and my husbands name changed to my gmail account transactions online banking, social security number messed up. I filed a police report for identity theft and federal fraud and report fraud transactions online to FTC and calling XXXX support and XXXX and those hackers abusing and threats me online every time I try to reach OIG SSA or any legal aid authorities who are not aware of my anonymous family sharing account XXXX mail. Please help us to stop this, cause my husband is a military veteran, who is not well and we are on the streets now, Im not able to break through and contacts and file a complaint online about dispute and fraudulent transactions online.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy Federal credit union told me that if deposit was cash my money will be available immediately with a Co op atm. I have a family emergency now I can not make it due to them putting a hold on my account. They won't contact or have a 3way with the other back to the bank atm company to verify it was a deposit with cash. Navy Federal stated that on their side it does not show if it was cash deposit. I have been trying for 3 days going back and forth with Navy Federal and XXXX XXXX XXXX XXXX XXXX on getting a company of my deposit.
Company Response: Company believes complaint is the result of an isolated error
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I contacted Navy Federal Mortgage to apply for a home owner loan. On our initial call I told the loan agent that I own a company and that I have a new job that I am moving to XXXX XXXX XXXX to begin, AFTER I buy a house. I asked if that income could be used to determine my pre approval amount. I was told yes and for me to send in an acceptance letter from the new job. I did this XX/XX/XXXX and I was approved for the Pre approval on XX/XX/XXXX. I went through a very rigorous process. I paid for things during this process like home inspection, profit and loss statements, a second inspection, ... .etc. 4 days before closing, I get a call that said that even though there was a acceptance letter, and even though they contacted the owner of the company to verify employment, that I was denied because they could not verify my income through a pay stub. If you will read the same document that they asked me for, ( acceptance letter ) It says that I didn't start my job until XX/XX/XXXX. My closing was XX/XX/XXXX. Therefore they KNEW that there would be no pay stubs. Why would this company allow me to go through all of this, to deny me for something that they had knowledge of from the beginning. I invested time, money, energy. I started shopping for appliances, starting applying to moving companies ... ..etc.This was so wrong on so many levels. For them to be a name brand bank and for them to play with my life like this was terrible. Thank you for listening and I hope that we can resolve this
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 17050
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I, the federally protected consumer, was denied credit by Navy Federal Credit Union when I applied for an extension of credit to obtain property/services from XXXX XXXX XXXX XXXX XX/XX/2022. Adverse Action against the consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. Navy Federal Credit Union is subject to criminally violating 15 USC 1691 as I have proof that I was discriminated against by Navy Federal Credit Union due to the response I received. Navy Federal Credit Union is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because, I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Navy Federal Credit Union. If Navy Federal Credit Union fails to make any reason procedures to resolve this matter and either, compensate me for the use of my credit card ; or grant me my right to an extension of credit applied for, I will indeed make Navy Federal Credit Union criminally and civilly liable for all actual damages pursuant to 15 USC 1681 AND 15 USC 1681o. I will also follow up with an invoice for said violations ( {$1000.00} per violation )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
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: My name is XXXX XXXX. I sent Navy Federal Credit and there registered agent a billing error notice. As a consumer they fail to apply a credit that I am due, and also they withheld this information from me. Pursuant 12 cfr 1026.13 this constitutes as a billing error .Navy Federal Credit Union is notorious for shutting down consumers accounts due to us exercising our consumer rights. Pursuant 12 CFR 1026.11, when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall credit the amount of the credit balance to the consumer 's account. Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. Also in my letter I stated what they can and cant do to the consumer. I feel as Navy Federal has taken a advantage of me for a long time. They withheld this information while I was paying them when I was due a credit. They same letter was also sent to The Alabama Attorney General.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A