Date Received: 2022-06-23
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I dont understand why my accounts are being put on hold. Ive never had a bank account in my name except one where I opened and got scammed and had to try to close it. I reported that I was scammed ans a victim of fraud. Gave out information that i thought was being protected and used for good use.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My father XXXX XXXX XXXX died XX/XX/2021 his account was compromised by several individuals. My fathers debit cards, credit cards were obtained and his entire account was cleared out. Lines of credit were taken out, credit card balance transfers were also done. My brother XXXX XXXX and I are the only next to kin. I had my brother appointed Executor of my fathers estate. We told Navy Federal that our estate didnt authorize any changes or charges that took place with my fathers account. A Estate account was set up in my fathers name through Navy Federal, despite the identity theft done on the account Navy Federal never changed the account number to stop to fraud when we went into the branch and set up an Estate account. Navy Federal only changed the name of my fathers account to the Estate of XXXX XXXX XXXX My father also has mortgages with Navy Federal and the company is aware that the address was changed to a location in Georgia . We have told Navy Federal several times our Estate didn't authorize any changes or payments. Navy Federal did nothing to correct this, instead the company lied saying my father had multiple loan balances that were obtained after he died. When we went inside of Navy Federal last year we weren't given all of his statements despite them being provided with all the documentation. After the money was taken out of the account, this individual would call and make third party payments on the mortgage. Our Estate did not authorize a transfer of XXXX that was the remaining in the checking account to be transferred to the credit card account that had also been compromised for months. Navy Federal needs to do a full investigation and go after XXXX XXXX, XXXX XXXX and XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32233
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was stolen not one but two times in XXXX and again in XXXX. I've called the companies XXXX XXXX Fed, XXXXXXXX XXXX ) to report the fraudulent accounts. Within the years, Ive placed fraud alerts on my credit profiles and every time I dispute these items they still come back as verified and accurate. The credit bureaus recently told me to file an identity theft report with the FTC and they would investigate the accounts and remove them. I did that and again, the accounts came back as accurate and verified. I dont understand how they are verifying this with no proof of ownership of the accounts. I've asked them to send out original contracts with my signature on it and none of the companies were able to furnish that information.. A debt collector even attempted to sue me because of a debt that was fraudulently opened in my name. However, I after I explained to the judge my identity theft incidents and told him that I've continuously asked for the original contract with my signature on it which they were not able to furnish the case was dismissed and the debt collectors removed it from my credit report. This is illegal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Mail a complaint Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Friend : 13.8 percent of the U.S. households with XXXX ethnicity were unbanked in XXXX, which means that they had no account at an insured institution. My father is a XXXX XXXX XXXX veteran. Upon returning to America and the deep XXXX, XXXX. Although he had been promoted to the rank of XXXX he could only achieve employment has a driver. He was paid {$100.00} weekly in cash until the day he was injured on the job with insurance. As a veteran he never had a bank account. The socio economic conditions of the XXXX XXXX XXXX did not support the income foreknowledge or information flow for access to banking. I did not experience checking accounts until I arrived at a predominant non XXXX XXXX XXXX XXXX XXXX In XXXX I applied for a Navy Credit Union account after viewing a XXXX television commercial which encouraged veteran family members to apply. I was denied an account because my father did have knowledge of the Navy Credit Union access. In fact, no bank reached out to XXXX XXXX for banking services. Navy Credit Union grand father clause or requirement of previous family members appears to be a Civil Rights Violations and in conflict with the. Community Reinvestment Act. grandfather clause grandfather clause, statutory or constitutional device enacted by seven Southern states between XXXX and XXXX to deny suffrage to XXXX Americans. It provided that those who had enjoyed the right to vote prior to XXXX or XXXX, and their lineal descendants, would be exempt from recently enacted educational, property, or tax requirements for voting. Because the former slaves had not been granted the franchise until the adoption of the Fifteenth Amendment in XXXX, those clauses worked effectively to exclude XXXX people from the vote but assured the franchise to many impoverished and illiterate XXXX. Although the U.S. Supreme Court declared in XXXX that the grandfather clause was unconstitutional because it violated equal voting rights guaranteed by the Fifteenth Amendment, it was not until Pres. Lyndon B. Johnson introduced the Voting Rights Act of XXXX that Congress was able to put an end to the discriminatory practice. The act abolished voter prerequisites and also allowed for federal supervision of voter registration. With the passage of the Voting Rights Act, the Fifteenth Amendment was finally enforceable. Navy Federal Credit Union navyfederal.org Description Navy Federal Credit Union is a global credit union headquartered in XXXX, Virginia, chartered and regulated under the authority of the National Credit Union Administration. Navy Federal is the largest natural member credit union in the United States, both in asset size and in membership. XXXX Customer service : XXXX ( XXXX ) XXXX XXXX pay : XXXX ( XXXX ) XXXX Headquarters : XXXX, VA XXXX : XXXX XXXX ( XX/XX/XXXX ) Founded : XX/XX/XXXX Number of employees : XXXX Subsidiaries : Navy Federal Financial Group, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Navy Federal Credit Union suppose to have covid programs. They are charging way to much in fee 's & now that I have covid they aren't been helpful.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Navy Federal Credit Union aka NFCU, failed to complete a proper credit card disputed transaction, treated me unfairly throughout the entire process, had representatives lies to lie about what was going on and what they needed, and sided with a business who presented false, misleading and deceptive advertising. Now they expect me to pay for services that were never rendered for {$480.00}. This was a listing on XXXX in which the host of the property omitted important facts about the listing, made a false listing that was full of inaccuracies, had inhabital unlawful conditions such as XXXX XXXX XXXX, mold in the shower and on the bathroom floor, had so much dust it flared up my XXXX causing me to have to get a prescription from my doctor, XXXX XXXX on the walls and floor. I presented lots of evidence and proof to support my claim. NFCU sent a message asking to submit additional information that was due on XX/XX/XXXX. The morning of XX/XX/XXXX they sent another message stating the case was closed due to non response. The resolution should have been done if any day on XX/XX/XXXX, as I had the full day of the XX/XX/XXXX. I called immediately after reading the email and a manager told me they needed proof I never used the services, anything showing them proof. Even though this was already provided, I resent them several pages of additional proof. NCFU never sent a receipt of acknowledgement for what was sent until XX/XX/XXXX, on purpose because XX/XX/XXXX was the day they stated the {$480.00} would be removed from my account. As a consumer I have the right to decide how my money is spent. I also have several laws that protect me against deceptive forms of advertising and laws regarding paying for accommodations that have blood stains and mold in the property. NFCU seems to think in this case it is ok. Any consumer does not have to pay for services they never received. In this case I left the lodging location due to being filthy dirty, molded bathroom, XXXX XXXX XXXX dirty, smelly, filthy conditions, raggedy furniture and so much dust it flared up my XXXX. The listing was on the 3rd floor of a building and there was no bathroom on that floor or the 2nd, so I had to walk down 3 long flights of stairs just to use the bathroom. None of this was in the ad as a deceptive omission. Consumer Protection laws regarding advertising are very precise and specific. If anything in an advertisement is not accurate it is considered false. My claim against XXXX meets all aspects used in legal proceedings as being false. For that reason along this claim should have been resolved in my favor. The XXXX location took place in the state of NJ. Here tenants are allowed to withhold rent if mold is present. If this was a hotel room, my accommodations would have been returned and the hotel would have done whet ever necessary to provide safe accommodations. An XXXX is no different, matter of fact the law should be tougher since the location typically have only a few rooms to maintain. The representatives at NFCU never even bothered to open up the listing to see the written policy XXXX has against mold, XXXX etc. or the false listing. I sent the the ad that gave a guarantee of your money back for listing inaccuracies, dissatisfaction, not being properly cleaned. I also sent them pictures and videos of the ad, pictures I took that could use to compare and prove I actually stayed there. Also, I did not at the accommodation the entre time, not half the time, only one night. I also showed them proof of this. NFCU worked closely with XXXX to make sure all their dates lined up so they could make excuses to keep my money. They coordinated and conspired to make sure I lost this case. Neither XXXX nor NFCU ever answer my question as to why the personal guarantee in the ad isn't being held up in this case. The fact is they have no answer. I spoke to two managers on separate occasions that both gave conflicting stories about what was occurring The first on XX/XX/XXXX told me the reason the case was closed was because I did not present evidence of the dates I booked or the guarantee and this was need so they could go into arbitration. The next manager on XX/XX/XXXX told me that XXXX rejected the claim saying that the charge was legitimate. The charge was not Navy Federal Credit Union aka NFCU, failed to complete a proper credit card disputed transaction, treated me unfairly throughout the entire process, had representatives lies to lie about what was going on and what they needed, and sided with a business who presented false, misleading and deceptive advertising. Now they expect me to pay for services that were never rendered for {$480.00}. I presented lots of evidence and proof to support my claim. NFCU sent a message asking to submit additional information that was due on XX/XX/XXXX. The morning of XX/XX/XXXX they sent another message stating the case was closed due to non response. The resolution should have been done if any day on XX/XX/XXXX, as I had the full day of the XX/XX/XXXX. I called immediately after reading the email and a manager told me they needed proof I never used the services, anything showing them proof. Even though this was already provided, I resent them several pages of additional proof. NCFU never sent a receipt of acknowledgement for what was sent until XX/XX/XXXX, on purpose because XX/XX/XXXX was the day they stated the {$480.00} would be removed from my account. As a consumer I have the right to decide how my money is spent. I also have several laws that protect me against deceptive forms of advertising and laws regarding paying for accommodations that have blood stains and mold in the property. NFCU seems to think in this case it is ok. Any consumer does not have to pay for services they never received. In this case I left the lodging location due to being filthy dirty, molded bathroom, blood stained sheets, dirty, smelly, filthy conditions, raggedy furniture and so much dust it flared up my XXXX. The listing was on the 3rd floor of a building and there was no bathroom on that floor or the 2nd, so I had to walk down 3 long flights of stairs just to use the bathroom. None of this was in the ad as a deceptive omission. Upon arrival I called the host to tell her all the problems as the site requests. I followed the steps XXXX set for this yet the are not following their own policies or being fair. I will be suing NFCU in court if my money is not returned to me for failing to properly investigate this. because 1. ) I left and did not stay the entire trip so services were never rendered, 2. ) The ad was false, 3. ) The listing host and XXXX had their own policies and guarantees that were published on the site and ad and they were broken. I will be suing NFCU in court for my money is not returned to me for failing to properly investigate this. I presented more then enough evidence to win this claim on many fronts as presented above. If you failed to do your job then it's not my fault.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. It is a fact that I extended my social security card to Navy Federal Credit Union : which is ; Pursuant to 15 USC 1602 ( l ) any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Furthermore, a finance charge was involved. Congress told me that a finance charge pursuant to 12 CFR 1026.4 ( a ) is the cost of consumer credit as a dollar amount, it does not include any charge of a type payable in a comparable cash transaction. In brief, pursuant to 15 USC 1605 a finance charge is the sum of all charges, and because I know what a finance charge is. 1. I should not have been receiving bills through interstate commerce, 2. This credit card should not have been closed, by these people. 3. This is classified as Unauthorized use under federal law. Furthermore, 4. I should not have been denied credit twice, which constitutes discrimination. Lastly, they should not have furnished this experience that we have with each other on my consumer report without my permission per federal law. This constitutes fraud and Identity theft under federal law and I have XXXX the XXXX off, this XXXX!!!!!! and wrong!!! Although I have sent them a cease and desist letter, They are still contacting me and reporting on my consumer report. In addition, I requested verification of this account and they have failed to do so. This company has damaged my reputation, my health, and my mode of living. Navy Federal Credit Union is in violation of the detailed subchapters of TITLE 15 USC CHAPTER 41.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Navy federal has messed up both my business and personal accounts on several occasions. The most recent was an issue with my business account where transactions aren't shown in real-time. The check and each transaction that are returned do not show up on your account and you are notified three days later not leaving the bank account holder any room for errors. I was told that I needed to get a letter stating that the transaction was unauthorized and that they would refund my fees. I provided the letter and only one fee was returned as of this date. The company previously made a mistake with another disputed transaction that cost my business XXXX dollars. If this is not resolved we will file suit against Navy to settle our disputes with the company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I Claim that Navy federal had committed a breach of contract involving a fraud claim and NSF fees. Attempts to resolve this issue with Navy federal have gone unresolved and unresponsive. I was frauded by another member of the Navy Federal Bank I provided all of the details including account numbers names and any other information Navy Federal required. No further investigation has conducted no repercussions were brought against the other member Navy Federal held me liable for the fraud claim even though they have a Zero Liability policy and that policy does state According to Navy Federal Credit Unions bank policy. I am baffled by the handling of this claim as a XXXX XXXX XXXX Veteran I assumed this institution cared about service members as they advertised in many commercials and in their policy but like so many other parts of their policy Navy Federal has not kept their own word and went against their own policy as an Institution Navy Federal should be held responsible just as they would hold a consumer response in the same matters. According to their policy, it statesThe Zero Liability policy only covers transactions that have been confirmed by Navy Federal as fraudulent and that are reported to Navy Federal in a timely manner. You must report suspected fraud as soon as possible. Nowhere in the policy does it states that this is only limited to a certain type of transaction or it has to happen a certain way it just says consumers are held at zero liability. I reported my findings in a timely manner and Navy federal denied the claim with no evidence or explanation. On top of the policy discrepancy, Navy FederaXXXX did not respond to emails, calls, or any correspondence involving the matter. Navy Federal in the policy states fraud claims will be resolved and assigned within 10 calendar days. According to documentation regarding my claim, Navy Federal assigned an investigator and in 3 hours the claim was denied with no investigation. I have filed police reports, CPFB claims and done my own investigation, and found the offender 's information and Navy Federal refuses to thoroughly investigate this claim, therefore, they have breached their policy by not allowing me a proper investigation and I will be seeking legal counsel. When reaching out I was informed by a Navy Federal customer service agent that fraud happens a lot within their institution and that the reason for not being assigned an investigator in a timely manner is due to them being backed up. After this conversation, I will reach out 3 more times in a period of 2 months only to have the same answer repeated they do not know why I havent been assigned an investigator or why. Again I was assigned an investigator and after only a few hours denied even with evidence showing i had never transferred to this member did not know this member or any of those findings. Under Federal reserve regulation E requires banks and credit unions to provide reimbursement for certain fraud losses occurring through unauthorized electronic transfers. Navy Federal did nothing of the such. Another issue is the returned check fee I was charged multiple returned check fees from XXXX for the same transaction. Although I did not authorize Navy Federal to repeatedly attempt to charge this check they did so without my consent or knowledge racking up to {$120.00} in returned check fees for the same transaction that had failed that same day. Now according to Navy Federals policy, it states We will charge a fee of {$20.00} each time we pay an overdraft. You will not be charged a fee on transactions of {$5.00} or less. You will not be charged a fee if the amount you are overdrawn after all transactions have cleared or posted after the end of the business day is less than $ XXXX.You can only be assessed one overdraft fee per day per account.OOPS is limited and only available for up to {$500.00}. Your account may become overdrawn in excess of the {$500.00} limit due to fees. Up to {$50.00} in fees may be added to the limit. The {$500.00} limit includes the amount of overdrawn items, OOPS fees, and any other transactions that result in overdrawing your accounts, such as returned deposits and other fees described in our Schedule of Fees and Charges ( NFCU XXXX ). Enrolling in OOPS does not guarantee that we will pay overdrafts. Navy Federal Credit Union pays overdrafts at our discretion. If we do not authorize and pay an overdraft, your transaction will be declined yet I was charged 4 NSF fees for the same transaction within the same day. Instead of Navy Federal denying the transaction they continued the same attempt 4 times and charged a fee each time without my consent. I am Disappointed in Navy Federals Deceptive practices according to the policy several things have been breached and will be seeking further counsel concerning the matters listed above and to recover funds for damages to my credit and other fees that have arisen due to this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
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: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A