Date Received: 2022-07-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Wrong limit and balance reported to credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08844
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: In XX/XX/2020 Navy Federal Credit Union opened a checking / savings account for XXXX XXXX ( My name is XXXX XXXX. ) based on fraudulent information. Beginning with phone calls in XXXX, numerous letters, and a FTC identity theft inquiry, I and Detective XXXX of the XXXX Police Department requested a copy of any information related to the fraudulent application. Such forensic information can help identify the perpetrator ( s ). XXXX only response is to confirm that the account is closed. For more than XXXX months of phone calls, registered letters, inquiries from the XXXX Police Department, my providing a copy of my drivers license / notarized signature / police report, XXXX hasn't responded to the basic request : copy of the fraudulent application, information on the source of the initial deposit and return of the deposit, computer address, identity of who recommended XXXX XXXX for membership, XXXX follow-up on fraudulent applications, etc. XXXX ref # - XXXX My concern is that failure to follow-up on these frauds makes it " risk free '' for the perpetrator. It contributes to consumer stress since I have to initiate an array of identity theft protocols. XXXX lack of response to a consumer and cooperation with law enforcement is appalling.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-30
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: We have contacted Navy Federal for the past 2 months to revoke authorization on an automated transfer for a used car loan. Navy Federal is financing our used car loan. The automatic transfer occurs biweekly. We no longer have the vehicle as it was in a car accident. Every time we call to cancel/revoke authorization we are told already canceled or no we cant or they flat out refuse to do so.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85204
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: loan wa snever executed per vehichle of interest was sold and I never took possesion of vehichle, numerous visits to branch as well as multiple phone calls to address situation, was assured that loan was cancelled, however still showing on account and reflected on credit report. loan no.XXXX Navy Federal
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23234
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Florida XXXX XXXX XXXX XXXX XXXX Protected Consumer to Navy Federal . I am a natural person who is at all times relevant. Navy Federal has caused my family and I great harm. In 2017 Navy Federal received my Federal Income Tax Return into my checking account. After they received my Tax Refund via direct deposit I was asked to come into the branch for verification purposes. After the teller verified who I was and that was XXXX XXXX 's Tax Refund I was told I would not be receiving my tax refund. Navy Federal lied, stole, and mislead me wrongfully restricting my account and stealing from me. I was told since I was past due on my loans Navy Federal reserved all rights to my Tax Refund since it was deposited into my account. I was told I would not be able to access my account nor would I be receiving my Tax Refund because I owed on my loan. Unfair restrictions were placed on my accounts after Navy Federal fraudulently stole my Tax Return and did as they pleased with over {$8000.00} of my hard-earned money. At this time I had just turned XXXX XXXX XXXX. I did not understand anything that Navy Federal was doing to me and my family. My family ended up being evicted from our apartment and my car was repoed as a result of Navy Federal stealing my Tax Refund. I was planning to use a portion of my Refund to pay on my Navy Federal loans as well as catch up on my rental and living expenses. I was stripped of the chance to do those things and lost everything in the process. Navy Federal Credit Union deceived and mislead me in the worst way possible. My family and I were living on the XXXX out of funds in a short time as a result of Navy Federals ' willful negligent practice. I received several calls and late notices that were harmful and threatening to me as I felt like I could not do anything to help myself at the time from being harassed and humiliated by Navy Federal. I thought so highly of Navy Federal until I witnessed them engaging in unfair and deceptive acts or practices and violated me per federal consumer financial laws. Navy Federal violated the Consumer Financial Protection Act by making deceptive representations to Consumers in connection with its debt collection activities. Navy Federal also violated CFPA by unfairly restricting my account access, and blocking my debit cards, and online access. I was told I would only be allowed to come into the branch for any banking transactions. I was also told I will no longer have an account other than my savings, so all other accounts were permanently XXXX. My remedy I am seeking to recover my Federal Tax Refund that was illegally fraudulently stolen from me. Navy federal was not authorized to pursue any of the actions they insisted on.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Inability to make payments on accounts from external.bank accounts. Cancellation of payments and no payment processor. The credit union is not capable of processing payments on accounts only account transfers. Also, I reported fraud on an account ending in XXXX but continued to make payments. Nothing was done except for an account number change. I reported the issues with credit bureaus due to my previous fraud issues and Navy federal told the credit bureaus that I never reported fraud, closed the account, and reported late payments even though payments were made on time and returned due to a navy federal error with processing payments. They should use a payment processor to process payments because I am unable to make any payments to them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I received stimulus check for {$4200.00} from the Department of Treasury of the U.S. issued XX/XX/XXXX it was mailed to my address in XXXX CA XXXX in the summer of XXXX. I delayed in cashing the check because I misplaced my mail key and I also wanted to check with the IRS if it was a check truly granted and issue to me. I checked online on the IRS website and confirm it was a legitimate stimulus check issued in my name. I deposited the physical check at my XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in person at the XXXX, CA branch and XX/XX/XXXX I was able to review my account and noticed the deposit was reversed on XX/XX/XXXX. I called customer service and they informed the same check was deposit at Navy Federal Credit Union. I then went to the XXXX XXXX XXXX XXXX XXXX XXXX Branch to get a copy of the check but unfortunately, XXXX XXXX XXXX XXXX XXXX didn't request the copy of the check processed by Navy Federal Credit Union. I was told they couldn't retrieve this information and I had to contact Navy Federal Credit Union or the IRS and reach out to their Fraud Department. After several attempts in person and over the phone with both credit unions. I was able to obtain a fax number to the Fraud Security Department at Navy Federal Credit Union when I called the customer service line XXXX the refused to put me in contact with their fraud department and all I was able to obtain was a fax number XXXX. I wrote my concern and sent them the copy of my processed check returned by my credit union for their review on XX/XX/XXXX and have not received a courtesy call back or email from their Fraud Department. I now received by XXXX the copy of the check Navy Federal Credit Union processed with the name of XXXX XXXX from XXXX, AZ and I'm going to complete a police report and I will deliver to them soon. My goal is to get an address where I can send this documentation after my complaint is filed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92832
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navy Federal Credit Union attempts to collect on amounts already paid while failing to update the tradeline or add that the debt was disputed previously. The bill with a due date of XX/XX/2022, was paid on XX/XX/2022, via certified mail return receipt requested Ref # XXXX XXXX XXXX XXXX XXXX for the full amount. XXXX has published that the tradeline was updated XX/XX/2022 in which the amount of debt is alleged to be {$2000.00}, while Navy Federal Credit Union reports an alleged amount of {$1000.00}. Both amounts being incorrect as the bill is paid as the post marked return receipt. Navy Federal Credit Union is in violation of 18 U.S. Code 894- Collection of extensions of credit by extortionate means. XXXX is in violation of FCRA Section 611 Part ( A ) ( 1 ), by failing to respond to disputes or preventing disputes from occurring on their website and using deceptive means. I have a right to accuracy within my report and it must not be taken away by messages saying that I already disputed that account. Every time the account is updated without the statement or changing the amount is a violation of my rights and by law I am entitled to {$1000.00}. Navy Federal Credit Union has failed to identify the debt as disputed before I paid in violation of FCRA Section 623 and I am entitled to {$1000.00}. A demand for both of those amounts for the corresponding violation is made at this time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am filing a complaint against my credit card company Navy Federal Credit Union. I had both a transaction that posted to my account and my credit card statement closing date occur on XX/XX/XXXX, which was observed this year as the federal holiday XXXX. Being that the holiday is XX/XX/XXXX, the fact that the holiday occurred on a Sunday it was observed on Monday, XX/XX/XXXX. Banking institutions along with the Federal Reserve were to be closed on Sunday and Monday in observance of the holiday. I received my credit card statement, and it appears that a transaction that was made on XX/XX/XXXX, posted to my account on XX/XX/XXXX. I also had made a credit card payment on XX/XX/XXXX, that should have also posted to my credit card account for the billing period, however my credit card payment did not process and post to my account until the following day XX/XX/XXXX. This has caused a hardship for me because I initiated my credit card payment before the XXXX transaction that posted when my account statement closed on XX/XX/XXXX. Both transaction and credit card payment was initiated on XX/XX/XXXX, so therefore if the transaction posted to the credit card account the payment should have posted as well. The fact that there was any activity that posted to the account on a federally observed holiday is indeed concerning for me. For the past several months I have paid my credit card balance in full, or more than the minimum payment, always keeping the credit card balance with a credit to debt ratio lower than 8- 10 %. The fact that my payment did not post to my account, which would have brought my balance to zero dollars owed, has affected my credit tremendously. My payment should have posted for this payment period, as my payment should had posted XX/XX/XXXX, and my credit card statement should have also closed XX/XX/XXXX, and not on XX/XX/XXXX, a federal holiday, where all banks and financial institutions were to be closed. I am filling this complaint as I have reached out to Navy Federal Credit Union several times to ask why this occurred with my account. I have been unable to get any legitimate answers to the cause of my statement closing on XX/XX/XXXX. Navy Federal Credit Union also fails to provide me with any resolution to fix the problems that has occurred with the reporting of this account to my credit profile. This account is now appearing on my credit that I am spending over 48 % of my available credit. This is inaccurate as it should report that I am spending 0 % of my available credit. My payment was made in a timely manner and should have processed on XX/XX/XXXX, and my closing statement date should have also occurred on XX/XX/XXXX, and not XX/XX/XXXX, when banks were due to be closed in observance of the XXXX holiday. I do believe that there are regulations set forth by the Federal Reserve that monitors financial institutions to make sure that they adhere to the policies and regulations that are put in place for businesses and consumers. I do feel that my rights have been violated and my personal credit has taken been affected negatively because of this non-compliance by Navy Federal Credit Union. Please see the documents that I have attached to this complaint. I have attached my credit card statement. I have also attached the current view of my credit card account, showing that my credit card payment occurred on XX/XX/XXXX and the XXXX transaction occurred on XX/XX/XXXX. My payment did not post to the account, but the XXXX transaction did post on XX/XX/XXXX. The credit card payment was initiated on XX/XX/XXXX around XXXX and the XXXX transaction was initiated XX/XX/XXXX around XXXX. My payment should have posted as it was made before the XXXX transaction .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a debit card in the mail on XX/XX/22 issued by Navy Federal Credit Union, this was not an account I opened or authorized to be open. I called the financial institution on XX/XX/22 at XXXX advising them the checking and savings accounts listed with the debit card were not opened by me or anyone I authorized. They submitted the claim to their fraud department and I received a confirmation number. I also submitted claims to the credit bureaus as well as indentitytheft.gov, as advised by my local state representative 's office.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A