Date Received: 2022-07-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: Have been attempting to resolve a fraud report since XXXX. {$290.00} was stolen from my XXXX account linked to the bank before XXXX disabled my account for fraud. Navy Federal Refuses to assist as they claim there was no fraud even though they were the ones that confirmed XXXX disabled the account due to fraud. Every report I have submitted here has provided me with a number that the supervisor purposely ignores, or in the most recent XXXX, the number is not a valid, active number.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: It has been more than 9 months that I applied for a loan and now they tell me they need : " I wanted to follow up on my voicemail message, the final review has been completed on your loan and it is ready for clear to close however there is one additional item needed. The current credit report has expired due to it being pulled when the first application was completed before switching to a 10 year XXXX. We do need to renew the report in order for underwriting to clear the loan. Please advise if we have permission to do so and I can send to clear to close after updating. I can also request the fee be covered by Navy Federal as well. '' Thank you, XXXX XXXX Mortgage Processor XXXX # XXXX XXXX f : XXXX XXXX : XXXX | M-F, XXXX EST And yet they want us to re-submit a new credit report!! after they sat on the paperwork for more than 9 months!!! I will have to pay higher mortgage rate because of rising interest rate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98383
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On the XXXX of XX/XX/2022, I received a check for 1 month of work from a man whose house I cleaned. The check was {$960.00} which I thought was a strange amount but disregarded the leary feeling because my boyfriend had also done outside work for him. I mobile deposited the check and instantly got {$250.00}. I used that money to pay on my credit cards and get some gas. Navy Federal held the remaining funds for I believe 5 days. I've never had my funds held for more than one day, even over the weekend. Then again, I had never accepted a personal check from anyone other than my grandmother. When I deposited the check in my account on the XXXX my checking was overdrawn by - {$100.00}. XXXX XX/XX/2022 my checking account was at + {$180.00} and my savings account had {$200.00}. You can imagine my horror when I logged into my account and had adjustments which brought my checking account to - {$780.00}. I talked to two ladies at Navy Federal. They said all I could do was continue to attempt to contact the guy because his account was now closed. I've called and called, I've gone to the house, and it's now empty. The Navy Federal lady said that my account would be eligible to close by XXXX XX/XX/2022 which was about 6 weeks away by then. Having had this credit union for 6 years now and maintaining a 100 % payment history I was extremely worried about losing my oldest account. I agreed to try and make as many payments on it as possible while being unemployed. She told me she would make note of that so that I wasn't harassed by phone calls from Navy Fed. They didn't call again after that whatsoever. I didn't receive an email or anything. I checked my account on XX/XX/XXXX and no longer had my checking account, instead, I now have a combined savings/checking account. I can not get a new checking until I pay off the debt that they took away. The same day this happened I got a {$600.00} payment from the state of Oregon. I knew that payment was coming and had planned on putting the entire amount towards my overdrawn account. Now I don't even have the option to pay towards a positive balance and I can only send money to another Navy Fed account holder The {$200.00} from savings brought my checking to - {$430.00} but not until Navy Federal closed my account without as much as an email. I wasn't alerted in any way that this was going to happen and just now discovered that I owe closer to {$400.00} than the {$700.00} I had thought. I was under the impression that since I had been making payments my account would still be considered in good standing. I'm disappointed with the lack of communication. Navy Fed has always been very good to me but now I'm second-guessing my membership.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: My husband and I applied for a mortgage with Navy Federal Credit Union XXXX XX/XX/2022. On the same day, our credit report was pulled with our permission. However, on XX/XX/2022, Navy Federal pulled our credit again WITHOUT our consent or awareness. The Navy Federal lender admitted to this error and agreed that it was an unauthorized pull. We were informed that they submitted a request to remove this hard inquiry on XX/XX/2022. Upon further investigation, we learned that they did not submit this request until we continued to follow-up and complain about their lack of response on XX/XX/2022 ( XXXX reference XXXX XXXX ). However, they only submitted it to XXXX ( not XXXX or XXXX ), and only for me, not for my husband. To date, and thanks to our own action, XXXX and XXXX have removed it from my credit history, but neither have removed it from not my husband 's. XXXX has not removed it from either of our credit histories. We are requesting that Navy Federal Credit Union perform their due diligence in resolving their mistake and request removal of this hard inquiry pull from all three credit bureaus for BOTH my husband and me. Attached is the email communications with the NFCU representative admitting that this was in fact an UNAUTHORIZED hard inquiry pull.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90277
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Dear Navy Federal Credit Union, I, XXXX XXXX, XXXX Federal Member, Consumer, am requesting for accommodation pursuant to 15 U.S. Code 1681s2 ( F ) ( I ) in regards of my pledge loan account. Its very unfortunate I was affected by Covid-19 and currently not financially stable nor am I able to feed myself at the moment. I lost my car as well so Im not as much fortunate to get around. However, I am working on getting my finances back on track, and requesting my Bank Navy Federal for accommodation and update my Pledge Loan account as Current this is a very difficult time for me and the last thing I need is for my financial reputation ruined and credit score decreased at this very hard time of life. So can you PLEASE help me and provide me with accommodation and update my Consumer Report as CURRENT status please as I get myself back financially stable. Prior to Covid, my payments was on time and successfully. I hope we can continue to do business and you Navy Federal Credit Union can provide me accommodation. I look forward to hearing from you, and doing great business with Navy Federal Credit Union in the near future, Thanks and best regards.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX and navy fed. Fraudulent late payments listed on reporting that is inaccurate.and ID theft. Credit is XXXX and XXXX. Multiple accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Navy Federal Credit Union has yet to answer any of my affidavits directly. Nor has NFCU provided the accounting connected to this alleged debt. I, XXXX XXXX XXXX a living and breathing natural person demands proper validation of this alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX house XXXX XXXX, a man hereinafter claimant, for : XXXX XXXX XXXX hereinafter Alleged Debtor, I advise you to read this ENTIRE LETTER. Disregarding information in this letter means that you can be subject to a {$5000.00} fine and/or litigation for not reserving my rights under U.C.C. 1-308.4 ( I am reserving my rights under U.C.C. 1-308.4 not to be compelled to perform under any contract or commercial agreement that I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact or commercial agreement. I have a right to sue you under the Common Law for violating my rights under the XXXX. ) Claimant has entered an AFFIDAVIT OF FACT for the cease and desist of all collection activities and removal of adverse information on my consumer report ; in commerce ; ( 3 ) An unrebutted affidavit stands as judgement in commerce ; ( 4 ) A matter must be expressed to be resolved ; ( 5 ) A claim can be satisfied only through ( a ) a rebuttal by counter affidavit point by point ; ( b ) resolution by a jury ; or ( c ) payment ( payment means discharging this debt and cease and desist all collection activities ) Claim : claimant 's offer to perform ( pay with Federal Reserve Notes ) upon PROPER AND COMPLETE DEBT VALIDATION ; COMPLETE ENTIRE DEBT COLLECTORS DISCLOSURE STATEMENT ; PURSUANT TO TITLE 15 U.S. CODE 1692g ; Claimant requesting documentation showing where I signed an agreement or contract where I was given FULL DISCLOSURE ; Claimant requesting documentation disclosing EQUAL CONSIDERATION ; Claimant requestion documentation where COMPANY/CORPORATION has my WET INK SIGNTURE, including where COMPANY/CORPORATION signed agreement/contract and not a third-party representative ; NOTICE : THE GOVERNING LAW OF THIS BINDING NON-NEGOTIABLE CLAIM IS PRIVATE INTERNATIONAL LAW AND IS FOR THE PURPOSES OF ESTABLISHING LAWFUL STATUS & REMEDY, AND IS NOT INTENDED TO THREATEN, HARASS, HINDER OR OBSTRUCT ANY LAWFUL OPERATIONS ; Silence is Acquiescence, Agreement, and Dishonor ; Estoppel conditions apply upon default ; From : XXXX XXXX XXXX, Beneficiary XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Non-Domestic XXXX XXXX XXXX XXXX of NAVY FEDERAL CREDIT UNION C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXease & desist all collection activities IMMEDIATELY bearing my name pursuant to U.C.C. 1-308.4 Alleged Creditor : Navy Federal Credit Union Alleged Account : XXXX Alleged Amount : XXXX This letter is meant for the CEO and no other person is permitted to answer to this matter. Any effort to do so will be considered mail fraud and tampering with the mail which also holds possible imprisonment and fines per Title 18 U.S. Code 1701, Title 18 U.S. Code 1702, Title 18 U.S. Code 1703, and Title 18 U.S. Code 1708. Anyone who tampers with this mail other than the CEO or acting CEO of this corporation will also personally be named in the lien with the U.S. Treasury. Dear CEO of NAVY FEDERAL CREDIT UNION It has recently come to my attention that contracts were created without my KNOWLEDGE when the alleged ID number and alleged bank account was established with a NAVY FEDERAL CREDIT UNION which XXXX invalidate and violate my rights pursuant to U.C.C. 1-308.4 I, Darand Terrell Thompson , a Natural Person, am writing pursuant to the Fair Debt Collections Practices Act 15 USC 1692g , to inform you that I protest the alleged debt and alleged account/account/negative activity/ statement associated with ( reference accounts above ) with NAVY FEDERAL CREDTI UNION I do not believe that the Natural Person XXXX XXXX XXXX signed a contract with your private corporation stating I allegedly lawfully owe a debt operating under the name NAVY FEDERAL CREDIT UNION or I do not believe there has been an established KNOWN agreement and believe nothing exists. For The Record And Let This Record Reflect, So as of now I am sending out to your organization corporation this AFFIDAVIT OF FACT AND TRUTH - Statement of Bill Protest on Alleged Debt Owed & The Reporting of Such Alleged Debt To The Credit Bureaus, Thus I am requesting that you provide the following information ; until this protest of this alleged debt owed can be proven that this alleged so-called validated information is in fact reporting correctly and not violation Title 15 U.S. Code 1692 statues. If you refused to answer back in the allotted Thirty ( 30 ) days of the FDCPA rules and regulations, if unrebutted a XXXX XXXX will commence against you and give rise to a civil action against you for several violations of consumer protection and securities laws for fraud. Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : If you disagree with my determination, I will expect you to document your position and authority with a counter affidavit point by point to the following expressed truths below : PLAIN STATEMENT OF FACTS Fact 1 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION owes an alleged debt in the state in which the company itself resides and it not required to adhere to Title 15 U.S. Code 1692b ( 2 ) and Title 18 U.S. Code 241, and I believe that none exists. Fact 2 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION HAS NOT practiced abusive, deceptive, unfair debt collection practices and is not required to adhere to Title 15 U.S. Code 1692 ( a ), and I believe that none exists. Fact 3 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CEDIT UNION was given prior consent to communicate with me ( communication means any medium including credit reporting agency ), HAS NOT communicated with me at hours and times not conducive to me and is not required to adhere to Title 15 U.S. Code 1692c ( 1 ) and Title 15 U.S. Code 1692c ( a ) ( 1 ), and I believe that none exists. Fact 4 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FFEDERAL CREDIT UNION HAS NOT used the profane language This Is Communication From A Debt Collector or the like/similar on mailed communications with me, HAS NOT put their logo on mailed communications with me that cause me mental anguish and not required to adhere to Title 15 U.S. Code 1692d ( 2 ), and I believe none exists. Fact 5 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION has sent me, the consumer, initial written communication of the alleged debt, that the alleged debt will be reporting on my credit report and not required to adhere to Title 15 U.S. Code 1692e ( 11 ), and I believe none exists. Fact 6 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION is not required to adhere to Title 18 U.S. Code 241, and I believe that none exists. Fact 7 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION is not required to adhere to Title 15 U.S. Code 1681o, and I believe that none exists. Fact 8 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION has properly validated this alleged debt by providing copies of actual accounting, providing a signed INVOICE, a copy of a contract binding both parties ( me and you ) with wet ink signatures and not required to adhere to Title 15 U.S. Code 1692g, and I believe that none exists. Fact 9 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION WILL NOT be harmed in any way by ceasing and desisting collection activities, and believe not exists. Fact 10 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION HAS NOT caused me financial injuries, damages, mental anguish, and losses due to your violation of my privacy rights and doesnt have to adhere to ALL LAWS AND STATUTES of the Fair Debt Collection Practices Act, and I believe that none exists. UNDISPUTED CONCLUSIONS Title 15 USC Chapter 41 Consumer Credit Protection Subchapter III Credit Reporting Agencies 1681 is an act of Congress designed to protect natural persons ( 1692a says that the term consumer means any natural person obligated or allegedly obligated to pay anydebt. ) from abusive collection agency practices. NOTICE Notice to the Agent is notice to the principle. Notification of legal responsibility is the first essential of due process of law. Connelly v. General Construction Co., 269 U.S. 385, 391. Your silence stands as consent and tacit approval to this regard. If no rebutted reply point by point is delivered within 30 days you are agreeing to the foregoing and are legally estopped pursuant to : Carmine v. Bowen, 64 A. 932, 1906, silence activities estopped. I hereby reserve the right to make amendments to this document as necessary in order that the truth may be ascertained and justly determined. If any living body has information that will controvert and overcome this Declaration please advise me in writing by counter Declaration in affidavit form within 30 days form receipt thereof proving that this Affidavit is substantially false. I, the undersigned, do herewith declare, state and say that I am competent by stating the matters set forth herein and that the contents are true, correct, complete, and admissible as evidence, and not misleading by my best knowledge and belief. This document may be recorded and may be used at the discretion of its issuer under Rule 902 of the Federal Rules of Evidence including the jurisdiction of the State of ILLINOIS and the United States of America Reminder : This letter is meant for the CEO and no other person is permitted to answer to this matter. Any effort to do so will be considered mail fraud and tampering with the mail which also holds possible imprisonment and fines per Title 18 U.S. Code 1701, Title 18 U.S. Code 1702, Title 18 U.S. Code 1703, and Title 18 U.S. Code 1708. Anyone who tampers with this mail other than the CEO or acting CEO of this corporation will also personally be named in the lien with the U.S. Treasury. My authority for making this demand for verification of your authority has been well established as follows : " Whatever the form in which the Government functions, anyone entering into an arrangement with the Government takes the risk of having accurately ascertained that he who purports to act for the Government stays within the bounds of his authority ... and this is so even though, as here, the agent ( s ) may have been unaware of the limitations upon their authority. '' Federal Crop Insurance Corporation v. Merrill, 332 U.S. 380 at 384 ( 1947 ). Should you consider my position in error, please respond within the next 30 days with your reasons why point my point. You have 30 days to respond to the correspondence or you and your company will be committing fraud. A claim can be satisfied only through ( a ) a rebuttal by counter affidavit point by point ; ( b ) resolution by a jury; or ( c ) payment ( payment means the amount on the tender that was sent to your company ) Thank you for your cooperation and attention to this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Money was not available when promised
Subissue:
Consumer Complaint: XXXX check deposited {$3.00} XXXX XXXX dollars XXXX XXXX. 6.31.2022.check deposited XXXX XXXX XXXX dollars. 15 usc 1666d treatment of credit balances. Consumers refund demanded
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
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: I have been trying to resolve these late payments on these 2 accounts. I need these late payments updated immediately. According to 15 usc 1666-timing of late payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022 I called Navy Federal Credit Union to tell them that there were fraudulent transactions on my account. At the time I was not able to provide much information. Whoever had stolen my information and made the purchases did so in a way that was very confusing. They made thousands of transactions across all of my credit cards. As well as attempting transactions to XXXX accounts that didn't even exist. At times they made these purchase attempts very rapidly. This meant that there was an overwhelming number of transactions and I couldn't possibly go through each one, especially in a short time frame. It seemed they wanted it reported right away. So, when I called I gave my best guesses on what may have happened, but I didn't know much for sure. I had hoped that they bank would be able to contact the merchant and track the IP of the person who made the purchase. My first fraud claim did not include much information. But I called back more than once during the process to ask if they needed any other information. They told me they would call me if they did. That fraud claim was denied and I was told I could appeal it and include more information. But no one told me specifically what information I should include or why it was denied in the first place. Anytime I called I would talk to a person who was not a fraud investigator. But someone else who did not actually know what information was needed. There were several times in later appeals that I was told to get some specific, difficult to obtain information and that is what they would need. But then when I would submit it, it seemed like the fraud investigators didn't even look at it. I feel they don't look at it because even when given very complete proof that something is true they will respond with a generic message that doesn't make sense given what I have told them. When I call everyone says they can't do anything about the fraud investigators, they have their own process. I submitted my claim and it was denied as was the appeal based on information that I gave early on, that I later found out was incorrect. During my first call with them, I stated that I had let someone use my XXXX account and that I thought that might have been how they were able to access my XXXX XXXX account. I found out later that was untrue. I found out that someone was logging onto my XXXX account and stealing my information. I could see that there were phones logged in that were not mine. The IP they were using and log in date happen to match purchases. The phones were from a different cell phone provider than what I have. These phones first logged in the same day I bought a new computer from a person who claimed they worked for XXXX. I later found out of that person was lying and likely sold me a computer that was infected with Malware and Spyware. I sent them the emails and they can see I made a cash withdrawal of that amount that day to buy the computer. Then I sent them the screenshots of the devices that logged into my XXXX that day. I have sent them a report from the FTC, the FBI, the police. I have sent them the emails from both XXXX and XXXX XXXX that state that someone was making fraudulent purchases using my account around the same time as these other charges. They were attempting to buy Gift Cards which is a common scam. I have been told that they have no obligation to investigate my claim, because they already denied it. But they denied it based on incomplete information. I have been told that the burden of proof is on me. But even when I present complete proof they ignore it. They tell me that they can't contact XXXX XXXX or the game merchant and that I have to. But when I try to contact them, they tell me it's my banks job to reach out to them and they can not share that information with me. The game merchant does track information for purchases. But they will not give it to me. I need Navy Federal to help and contact these businesses for me. I expected that my bank would help me in this situation. Especially given that they have a fraud protection garuntee. But they have not offered me any sort of help or advice. The total for the transactions is around {$10000.00}. Almost of that was to XXXX XXXX. And it was done in many transactions ranging in price from {$1.00} to {$100.00}. It has been months. I have had to spend so much of my time on the phone or computer. Looking for information I barely understand because I am not getting help from my bank that claims boasts fraud protection. I told them I could not afford to pay the monthly payments on {$10000.00} of debt that I did not accrue. I asked if there was a way to defer the payments. They did not offer me any assistance with that. I asked them to provide me with the information they used to deny my claim and they said they could not. When pressed on it they did give me reasons, all of which I had already disproven with evidence. I asked for their proof such as records of calls they claim to have made to me but they would not provide. I can not prove that I did not talk to them when they claim I did if they can not even tell me when they claim to have called me. I have had no communication from them. I have received no assistance. It seems like there is no amount of evidence or proof I could give them that would cause them to even listen to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44135
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A