Date Received: 2022-07-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I can't stop these unauthorized charges from coming out of my account at NFCU. I called NFCU twice today ; and the representative had me on hold for an hour, went silent and then ended the call. Called a second time, representative transferred me and call ended again. I asked NFCU to dispute the below fraudulent charges from company XXXX - this company tried to charge my other cards in the past as well and I had to dispute. XX/XX/2022 Pending XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX CA XXXX - {$19.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX CA XXXX - {$9.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX CA XXXX - {$4.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - {$9.00} -- The below from XXXX are unauthorized charges made by a minor- separate from the fraud charges from XXXX : XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXXXXXX XXXX XXXXXXXX # CA XXXX - {$5.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX # CA XXXX - {$5.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX # CA XXXX - {$5.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXXXXXX XXXX XXXX # CA XXXX - {$3.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX # CA XXXX - {$3.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX XXXX # CA XXXX - {$2.00} XX/XX/2022 XXXX Debit - XXXX Check Card XXXX - XXXX XXXX XXXX - {$19.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89166
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: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Back on XX/XX/2021. I began working with XXXX XXXX to start a debt management program. I have since then called Navy Federal a couple of times to inform them of my situation. I signed up with beyond finance because my position at my job was discontinued after the business reopened after the covid restrictions were lifted. I had been unable to find another job and was unable to make payments. The last time I called navy Federal they said that I could try to work a settlement with them and I asked how it would work. They told me they could lower the balance by like 60 % but I would need to make an upfront payment of {$780.00} and then {$300.00} a month, which I would not be able to do. At the time, after making all my payments, I was left with like {$520.00} a month. On XX/XX/XXXX navy Federal sent me an email that they would prepare a lawsuit against me and to make a payment. Today XX/XX/XXXX, they sent another email and stated they had sent a lawsuit to their legal department and for me to make a payment. I get like one or two phone messages from them, but I ignore them because beyond finance advice me to ignore them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78539
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX there was an account opened in my name with navy federal fraudulently. In XXXX there was a balance put on my credit profile and has been there every since. I've had this item removed before, but navy federal placed back on my credit. I've filed a police report in XXXX and XXXX, a long with a federal trade commission identity theft report created.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX I received a phone call from XXXX stating that process service dispatch was going to put a lien on my house if my unpaid debt from XXXX was not paid. I responded that I dont remember taking a loan out at that time but that if I have old debt, I would pay it. They assigned case # XXXX. They sent me an email from XXXX asking me to sign a mediation agreement. The letter in the attachment was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ph : XXXX I could not find this company on the internet. The letter stated that the debt was {$4300.00} and they want {$2700.00} to settle. Navy Federal Credit Union was the debtor. XXXX XXXX, Senior Mediation Specialist signed the letter. I attempted to call the bank to see if this amount was owed. I attempted to call XXXX back to ask questions about the debt, and they transferred me to a woman that said do you think we work out of a garage? Good luck in court. I attempted to call XXXX XXXX back and received voicemail.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 541XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: NAVY FEDERAL CREDIT UNION My account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2022 an ACH stared from NFCU checking. Was sent to my spending account XXXX XXXX XXXX ( {$5000.00} ) ( {$50.00} ) ( {$20.00} ) ( {$1.00} ). Then to my XXXX XXXX XXXX XXXX {$9500.00} ) all ended being sent back with return fees. ( {$29.00} ) NFCU checking was closed and both accounts @ XXXX XXXX. There was a letter that I found in my vault with XXXX XXXX or XXXX XXXX. I have a idea on who put this in there. The letter was saying to do Something with my checking to summit to the FDR. That the united states treasure would summit funds into my account. I had showed the teller at NFCU this she asked how I received and put notes into my account. I also talked to someone else there and this individual was not helping but only to tell me that it's true what the latter had said. This now has places me in a position that I'm homeless with job and money is hard to come by. I Have tried many times to fix this matter. I feel that this should have been investigated. With my account on my phone being looked into and others that may have my personal information. I'm trying to figure out the right way or course of action. Without cash flow it's hard to pursue legal action.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I began applying for a loan on or about XX/XX/XXXX with Navy Federal Credit Union. I was assigned a loan officer. From the first time I spoke with her, I detected her uncertainty about the loan process as evidenced by her vague answers to my questions. On a subsequent call this loan officer was distracted by a child in the background, and had to rush through the conversation with me. I was asking her about what other documents were needed, and she said I will review your file, and sent you an email about what documents are needed within 2 hours. I specifically told her that I was gathering proof of my rental income, that I receive from XXXX properties that I own, and I was told by the loan officer I think your employment income is enough, I will let you know if I need proof of any other income. In hindsight I realize that statement was probably made in a hurried attempt to end the call in order to tend to the child that was distracting her. This was our second and last conversation. I never received anymore requests for any addition documents. Approximately 3 days later, at XXXX on a Monday morning, I receive a denial package email. Reason for denial insufficient income to pay my debts, and delinquent accounts. I have no delinquent accounts. To add insult to injury the email went on to show that my application had not even gone through the entire review process. It appears that it was just a blanket denial without any merit. I am aware of another XXXX individual and member of XXXX that applied for a mortgage, earlier this year that met all criteria to qualify and was denied without merit. That individual was then approved by another lending institution within 1 week for a loan with the exact documents presented. I later read several articles about XXXX XXXX being investigated and ordered to pay fines for discrimination against XXXX people. One article even mentioned that XXXX XXXX was 110 times more likely to deny XXXX people My case is classic case of XXXX discrimination. Let me give you some history of me and my relationship with Navy Federal Credit Union : XXXX. I have been a member of NFCU since the mid XXXX XXXX. I have paid off a NFCU personal loan of {$14000.00} XXXX. I have paid off XXXX cars with NFCU XXXX. I have a small business checking and savings account with NFCU XXXX. My employment income is deposited in NFCU XXXX. Rent from one of my properties is deposited directly in NFCU. I receive rental income from XXXX of my properties XXXX. The mortgage from the home that I want to refinance has an automatic monthly payment drafted from NFCU XXXX. I have a NFCU credit card with a {$15000.00} line of credit with a XXXX balance as I have paid it off almost 3 times over when balances were {$8000.00} or even {$14000.00} XXXX. My credit score ranges from XXXX to XXXX according to NFCU periodic calculations XXXX. My debt is approximately {$5000.00} a month while my monthly deposits to NFCU are over {$20000.00} a month. ( Enough to pay my monthly debt 4x over ) XXXX. My W2 s from XXXX and the IRS transcript obtained by NFCU reflect that I earned over $ XXXX XXXX. Current check stubs submitted to NFCU reflect that I have already earned $ XXXX for the first half of the year XXXX. I have worked the same line of work for 28 years * What other qualifying factors are you looking for? Sent from my XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Between XX/XX/2019 and XX/XX/2019 my checking account was embezzled of {$49000.00} this was in two months.Strongly believe there might be more fraudulent activity in my account.My XX/XX/2019 statement was swindle out of $ XXXX XX/XX/2019 I was taken for {$24000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I pulled my credit reports and Navy Federal Credit union is reporting a balance of over {$10000.00} for a credit card that they say belongs to me. Please remove this, it has been reporting for 7 years now. I need it off my credit report. It is fraud. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: To whom it may concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. Here 's the wrong info : 1. This is a billing error always paid as agreed on time this is an error this account in violation. NAVY FCU Account Number : XXXX Please remove it from my credit report. I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77053
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A