Date Received: 2023-12-20
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: My name is XXXX XXXX and i bank with Navy federal. # XXXX last four of acct # My sister gave me a cashier check for XXXX i deposited it TO MY Navy federal account ON ThursdayXX/XX/2023 which said funds will be available on Mon XX/XX/2023 called bank on Saturday to see if i can move funds to savings account since i put in wrong account she informed me my funds wouldn't be available till Tuesday theXX/XX/2023 called the bank to see why my funds was not avail was informed that they were informed by the big bank forget the name she called it said the check was fraud and more than likely would not be cashed so they the big bank placed additional holds on the cashier check which myself and my sister talked with the banker at her bank which informed her that he didn't know why they were doing this which the check is already purchased and can be verified by XXXX or the clearinghouse but navy federal since i have banked with them over 4 years always sites my crdeit history i have never had bala=ces on my account i do not pay and to hold my cashier check not personal check and they keep extending the time frame in which my funds will be available nd the check is already paid for and able to be verfied
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am currently receiving Unemployment benefits from the state of Oregon. Oregon Unemployment Dept CID : XXXX For the week ending XX/XX/2023 : My benefit was processed on XX/XX/2023 and direct deposited via XXXX to my checking account at Navy Federal Credit Union . Date Posted : XX/XX/2023 or XX/XX/2023 Amount : {$680.00} Checking Account ending in XXXX That checking account was frozen and instead of being forwarded to my savings account the deposit has been held indefinitely. I spent approximately 10 hours on the phone with customer service and was unable to get the issue resolved and they acted like they were doing me a favor giving me access to my benefit. Unemployment benefits are protected funds and I want my benefits recovered and transferred to my checking account ending in XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized inquiries found on my credit report from unknown sources from dates : XX/XX/2023, XX/XX/2023, and XX/XX/2023.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30068
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was scammed by a fake loan company on XX/XX/23. I have proof of the scam, called and reported to my bank, But, they said I am responsible for allowing it to happen. They scammed me thru bank verification not approved. They took XXXX total in FALSE dispute claims. In return XXXX XXXX is making ME the victim pay back funds that I did not ever report for disputes. XXXX XXXX took XXXX from my person l checking account on XX/XX/23 forcing me to pay a debt from a fraud claim. THEN today XX/XX/23 they TRIED to charge me another XXXX. i am very upset they are refusing to return my money. I even filed a police report thru our local Bank Fraud team. Please HELP ME> This is Security Fraud and I am the VICTIM being help responsible for a SCAMMERS actions. I attached the Fake loan approval document sent tome the day this transpired. They used a REAL loan company to XXXX customers. They closed old account the XXXX happened on and opened NEW account same day XX/XX/23. However they are now taking funds from my new account to cover the debt created from this FRAUDULENT activity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: While checking my credit report I noticed 4 fraudulent hard inquiries that I never made. I noticed 3 hard inquiries from Navy FCU Finance two on XX/XX/2023 and one onXX/XX/2023 and XXXX XXXX XXXX onXX/XX/2023. I have no knowledge of these hard inquiries and they are the result of identity theft and they must be removed within 4 business days as per the 15 U.S Code 1681c-2. I have file a complaint with the Federal Trade Commission and will attach the report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: In XX/XX/XXXX, Navy Federal Credit Union, created a savings account for another member whom I had brought into the bank as a minor in XXXX, attached this new account to my savings account and withdrew over {$2400.00} from my account to cover money owed by the member that I brought in XXXX. When I brought the member in back in XXXX, she was a minor who is now an adult. She of course since then has opened up several accounts with NFCU on her own ( that I AM NOT JOINT OWNER ). Apparently in XX/XX/XXXX, this member put in a fraud claim on her checking account THAT I WAS NOT JOINT OWNER. XXXX of XXXX, NFCU apparently denied the fraud claim and since the checking account was closed at the time due fraud, NFCU created a savings account which generated a negative balance for the member, NFCU attached the savings account to my checking account and withdrew the money from my account. They DO NOT CARE what kind of hardship this has caused on me, they did not care what automatic deductions I had coming out of my account. Numerous reps told me that the individual owes more money and that NFCU will continue to take my money that comes into the bank INCLUDING MY VA XXXX BENEFITS!!! THIS CAN NOT BE LEGAL. I have asked numerous times, how much does the other member owe, maybe I can work out a payment plan to pay the money back but I can't afford for them to take over {$2400.00} from my account but I am constantly being told that THEY CAN NOT DISCUSS ANOTHER MEMBER ACCOUNT WITH ME!!! Again, this CAN NOT BE LEGAL!!! How can you take my money and threaten to take more including VA XXXX payments and NOT TELL ME WHY, HOW MUCH or anything of that nature???
Company Response: Company believes complaint is the result of an isolated error
State: FL
Zip: 32003
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
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 took my XXXX XXXX XXXX XXXXXXXX XXXX and XXXX. in XX/XX/2023 for torque tube replacement. The tech, XXXX, said it didn't need to be replaced and that he could just rebuild it if I bought the parts he advised me to get. I brought all the parts per request from XXXX XXXX XXXX XXXX to return the car to me on XX/XX/2023. The car stopped at a traffic light and waited XXXX hours for a tow from my insurance company. I reached out to XXXX XXXX, at XXXX employee, on XXXX, and he said he would pick up the car on XX/XX/2023. He kept the car for XXXX months : XXXX, XXXX, XXXX. Meanwhile, I reached out to the credit card company to file a dispute. I kept them updated on the process, and I explained to the credit card company that XXXX XXXX XXXX would tow the car back to me XXXX hours away. The next day, when I got in the car, it happened again. So they told me to get another second opinion from another shop, which I did, and I asked about the time frame due to me just getting the car back from XXXX XXXX ; they kept the car there for months, and the tech, XXXX, did not do the installation correctly and did not use the parts he asked me to order. XXXX XXXX was using XXXX, and you can not use that in a XXXX. He did not measure the rear XXXX endplay, which caused the engine to lock up and the starter to burn. He also caused the main fuse to blow and put the exhaust pipe on backwards. I have taken my car to another shop to check over his work. Also, XXXX was reaching out to our XXXX XXXX, who told him if he didn't do the measurements, it could cause the engine to fail and that what exactly happen I have him omitting to be did not do this in a text. I reached out to the credit card company with Navy Federal Credit Union. I explained to them my car is at another shop I had it tow there in XXXX after XXXX the shop owner at XXXX XXXX explained to me he can't get to it until in XXXX week of XXXX I reached out to my credit card company by phone and e-mail told them is there any time frame and they told me get the other invoices in when when I can nothing said about any time frame due to my circumstances when getting the other shop to look at the car vacancy I first file the claim they denied it saying they are needing more information I did that got what they needed after I filed the appeal they got what they needed and now telling me the credit card company saying past the 60 days for charge back when I explained to them that car at another shop I haven't drove my car for 7 months now I am going have get whole new engine due to XXXX XXXXt and XXXX telling a lied he knows how to work on XXXX XXXX stated to me and my son if something he did he will pay now he refusing and my credit card company not refunding me the money I paid for services I did received I have everything.This is wrong and I was scammed and the shop needs to take responsibility for their actions. The tech XXXX at XXXX XXXX lied about know how to work on XXXX I find out they did this to another guy car I have his information as well also I call the XXXX XXXX of Georgia they couldnt find any business license in that name also ask tech XXXX about his credentials it took me 4 months to get invoice and the one he sent me has now been changed I asked for torque tube replacement XXXX said torque tube was find he could rebuilt the one that came with the car. XXXX my bolts on my XXXX.and more also the starter was smoking see the other shop invoiced they said small fire under the starter
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: In XXXXXXXX XXXX XXXXXXXX I was XXXX with only XXXX XXXXXXXX income rating of XXXX XXXX XXXXXXXX which was roughly $ XXXX. I applied for a credit card with Navy Federal Credit Union and they gave me a credit limit of {$25000.00}. Nearly what I earn in year. Once I was unable to keep up with payments and started to fall behind in XX/XX/XXXX. Navy Federal stopped contacting me and warning me after 60 days delinquent. I always answered the phone and worked explained that the balance and interest rate are too high. I was making {$900.00} payments and being charged {$500.00} interest. They offered to reduce my interest rate when I called but failed to tell me that a {$1.00} payment would prevent my account from closing at the 90 day delinquency mark. I even called ready to pay and was unaware my account had been closed for weeks. It was never a serious offer. Navy Federal allowed my account to close at 90 days delinquent when I was willing and able to make the payments and plan they had offered. I was even told you spent the money by a random phone agent when negotiating a pay off plan. Simple put, they gave a $ XXXX credit card to a XXXXXXXX XXXX who could never afford it to begin with. I became employed and began to make more money and they let my account close without calling or warning my for the final 30 days. They are now taking {$120.00} from my account every two weeks for the last 6 months to pay off the $ XXXX balance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a NAVY FEDERAL CREDIT UNION credit card on XX/XX/ XXXX The following day I then called in and spoke with a rep regarding the denial and they couldn't help me other than telling me I'll receive something in the mail and there's no one else I could speak to regarding me being denied access to my credit. I then messaged the lending team through online banking, who I asked to retract my application and they wouldn't and totally disregarded the fact that withholding my credits after contracting with them is in fact Securities Fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account has been hacked with Navy Federal. I have been a customer with Navy Federal since XXXX. I had XXXX personal accounts with Navy Federal. Along with XXXX business accounts with Navy Federal. Once my account got hacked I have only had problems with this bank. I got paid from a customer and deposited a check in my XXXX account XXXX XXXX XXXX which made my account negative. That account was cleared up before Navy closed all of my accounts including my credit card which damages my credit. I will be complaining and filing complaint issues to several State entities because this is wrong. I am not the issuer of the check if someone writes me a bad check. This check went into XXXX account which effected all of my accounts. This issue has caused a huge headache with bounced payments and more. I have been treated like this because I am a XXXX man. Everytime I had issue with this bank and I go to any branch it was a problem. I have nothing to do with the banks view on other people. I am jusrt trying to bank responsibly if allowed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A