Date Received: 2022-07-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Navy Federal Credit Union Denied MY Application Seven ( 7 ) Times..I applied for Credit Line Increases, Credit Cards, and Personal Loans. Adverse Action against a Consumer is against the LAW ... According to the Equal Credit Opportunity Act which is Codified in 15 USC 1691 ( c ) and is Pursuant to Civil Liability Under 15 USC 1692 ( k ) I Have Proof that I was Discriminated against by Nvay Federal Credit Union Due to the Response I Received. Navy Federal Crediut Union is in Violation of 15 USC 1642, USC 1681 ( m ) and CFR 1002 Because. I The Consumer made an Application in Good Faith but was Denied Credit. Furthermore, Because my Social Security Number ( CREDIT CARD ) was used and I Received No BENEFITS this is Proof of Fraudulent Activity ( Unauthorized use of Credit ) on behalf of Navy Federal Credit Union. If Navy Federal Credit Union Fails to make an Reasonable Procedures to Resolved this Matter and Compensate me for the Use of my Credit Card I will indeed Make Navy Federal Credit Union Criminally And Civilly Liable for all Actual Damages Pursuant to 15 USC 1681 ( n ) and 15 USC 1681 ( o ). I will Also Follow up with an Invoice for said Violations ( {$10000.00} ) per Violation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 12553
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are several inquiries on my credit account that should not be there. I have already contacted the bank and other financial institutions regarding the hard pulls. I will like these removed asap. These hard inquiries are affecting me in many ways.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I previously contacted Navy Federal Credit Union for charges with XXXX and XXXX XXXX between the end of XXXX and the beginning of XXXX. I did not make any of these purchases. I had my card in my possession at the time of the purchases and I never authorized anyone to use them. I have never made purchases or ordered services with XXXX or XXXX XXXX I was initially issued credits for the transactions and my card number was replaced. I was notified the next day that additional attempts had been made using the card and they would be included in the fraud investigation. To my surprise on XX/XX/XXXX, I was recharged for the transactions and no clear information was provided to me as to why. I was sent an email from a representative advising if I wanted to have the charges reviewed, I would need to do so in writing. I am truly disappointed to be treated this way by an institution that I had so much trust in. I paid the balance of the transactions today to stop my credit reporting from being impacted by charges I did not make. The representatives were unhelpful in attempting to resolve my concerns. This is an unacceptable practice to hold a consumer responsible for fraudulent transactions. It was then told to me to explain how someone may have gotten access to my card information. With a world where cyber fraud happens every day, its disheartening to expect the consumer to explain how fraudsters may have gotten access to my card.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23231
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XX/XX/2022, Navy Federal Credit Union received a {$44000.00} payoff check following the sale of my car, for which Navy Federal was the lien holder. Navy Federals automated transaction system credited {$77.00} to and then debited {$38.00} from my savings account following payoff of my auto loan. Upon complaint to Navy Federal regarding the strange transaction history, multiple representatives stated the automated system must have incorrectly issued the credit in an amount too great and immediately debited the incorrect portion. No representative was willing or able to manually research the transaction to confirm the automated systems transactions were accurate, replying that the system is automated. If an automated system can incorrectly credit an account, it could also incorrectly debit an account. Therefore, Navy Federal should perform manual due diligence of my account by reviewing the loan pay off amount, the daily interest accrued, and the final loan payment received to confirm to me that the credits and debits received as an overpayment of the loan payoff were accurate. I tried to resolve this issue in person at a local Navy Federal branch on XXXX XXXX in XXXX, FL on XX/XX/2022, but no representative would do the math or seek assistance from their the back office. I had to wait over XXXX minutes to speak with a banker in person. Before visiting the XXXX XXXX branch, I visiting the XXXX XXXX XXXX, which was unexpectedly closed on a weekday. I also tried calling Navy Federals XXXX number multiple times over three weeks, but could not speak with a representative due to hold times estimated to be 20 or 40 minutes. During my XX/XX/2022 visit to the XXXX XXXX XXXX, I also sought withdraw all funds in and ultimately close my account with Navy Federal. My savings account total was only {$46.00}, with {$5.00} locked as a membership fee. I previously attempted to transfer the available balance of the account to my other external accounts, but such transfer attempts were blocked by Navy Federal because my account was considered a non-transaction account. At the branch, I was told the only way to access the funds was by requesting a cashiers check. I argued the issue further, stating that I should be free to withdraw the funds in the form of cash without incurring a cashiers check fee. Navy Federal finally allowed me to withdraw all funds in the form of cash by first closing my account, which took over an hour to process in person. Following these experiences, I politely informed the representative in person that I wished to enter a formal complaint to Navy Federals complaints or compliance department. The representative stated she did not possess access to the customer complaints system and needed to speak with her leader. After a lengthy wait, she replied that I had to wait five minutes longer to speak directly with her leader. I waited another 15 minutes before choosing to leave the branch, after spending well over two hours at the location. The overall amount of funds at issue is very small, but Navy Federals handling of my accounts and complaint is inexcusable. Navy Federal should proactively exercise due diligence over automated systems, be willing to manually support customer account auditing requests, increase telephone support manpower to limit hold times, shorten in person wait times in branches, and expedite account closures upon request. I should also be free to access available funds in my savings account, through cash withdrawal or external transfer, without incurring fees.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In the last two years I have noticed that funds are being withdrawn from my account and not by me. I have reached out to both banks about this and every time they tell me that there is nothing they can do. Changing my debit card has not worked, I replaced one so often with Navy Federal Credit Union, that they removed my debit card service for 3 years. I had my mail stolen and it contained my drivers license and I requested surveillance be checked for all withdrawals in order to find the offender. I think a person goes into the bank with my ID and the teller does not check correctly for identity match. The tellers seem to know that my money is being stolen and transactions on my bank statement are transposed to reflect establishments that I didn't make the charges with. I need help with XXXX XXXX and Navy Federal Credit Union. The amount of stolen funds is over XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I received a wire from a business transaction in the amount of {$25000.00}. Navy federal placed the wire on hold and requested I verify my personal information. After all information was successfully verified Navy federal stated that a check had been mailed out. After months and months of calling and being told ( on various recorded lines ) that my check was mailed ; finally I talk with a representative that stated the check had never been mailed and that I would have to hire a lawyer to get my money back. On XXXX XXXX a demand letter was sent to Navy federal requesting the immediate return of all funds. Navy federal then agreed to return the funds on XX/XX/XXXX. As of today the bank has not released my money and refuses to now answer any emails or calls from my lawyer. Navy federal Credit union is now unlawful holding my money and refusing to return it. This has caused great financial and XXXX damage to my life.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 52001
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Getting a line of credit
Subissue:
Consumer Complaint: On or about XX/XX/XXXX as a member of the Navy Federal Credit Union since XXXX. I applied for a loan and was denied. Being a 100 % service connected veteran, I thought I could always count on my credit union. I have had over {$5000.00} deposited into my account within the last three months. I am desperately trying to pay my bills off. But when I need help from the bank I entrust with my direct deposits every month for over 35 years and get DENIED, that seems so unfair. The credit union has trusted me on previous occasions to approve and pay back a loan, but they are NEVER there when times get rough. I have paid every loan that I have received and even increased my credit scores. This is a depressing move for a veteran with XXXX in need of financial assistance to stay sane. Blessings and Thank You, XXXX XXXX XXXX, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70458
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There was fraudulent charges made on my Navy Federal Credit Union credit card that was opened on XXXX XXXX due to identity theft by adding themselves as an authorized user and they charged up XXXX and have tried several times to have this removed from my credit report with all three major reporting agencies as well with the merchant. They refuse to remove this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Navy Federal Credit Union drafted XXXX on XX/XX/2022 from my checking account for a charged off Credit card balance. I asked to have it refunded and set up payment arrangements. I was declined a refund. XX/XX/2022 XXXX was drafted for charged of credit card from my checking account. I want my money refunded and I will set up payment arrangements.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29644
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize nor consent to the inquiries furnished on my report. They are XXXX. Navy Federal Credit Union XX/XX/XXXX -- XX/XX/XXXX -- XXXX XXXX. XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A