Date Received: 2022-06-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: After opening up my account and getting approval NFCU closed my account with no explanation.
Company Response: Company believes complaint is the result of an isolated error
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy Federal Credit Union in XXXX XXXX deposited PAYROLL check on Friday XXXX, XXXX, Tuesday my funds were available. Wednesday they were not. Put a hold on my funds. Told can't access my funds until XXXX XXXX. Called 3 different times to settled this. My car payment went NSF.. on both ends XXXX XXXX and NFCU. My payroll check is also drawn on XXXX a payroll company. First check deposited with no problem, walked in and gave to bank teller. I've never missed or had late payments on my car payment. Can't pay any bills or use my money for food, gas. Shame on you. I'm a XXXX XXXX XXXX and work with XXXX helping our community. My son is also a decorated Veteran. As my husband.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I opened an account at Navy Federal Credit Union a few months ago, made a deposit and when I went in to the bank to withdraw some funds I was told I opened a Fraudulent Account. They refused to tell me why it was fraudulent but it just was. I just figured out why they thought my identity was fraudulent! Hopefully this will help all of you to avoid this issue and if it does happen to you hopefully it will be delft with better than Navy Federal Credit Union Well I just got a new job a few weeks ago and every time they tried to run my I9 it would come back with a mismatch on my Social Security number. They gave me this link to log in to my Social Security account and as soon as I saw this URL, https : //myeverify.uscis.gov/, I realized what happened! Last year I found this site and the Government allows you to LOCK your Social Security number! I thought this was a good idea to prevent Identity Fraud. Well Locking your Social Security number and forgetting that you locked it will cause you to become fraudulent for everything type of financial account that checks your Social Security number! My best guess is when you Lock your Social Security number it scrambles your Social Security number in the database so when companies actually run your Social Security number they will never match. When I finally figured out what has been going on I immediately called Navy Federal Credit Union and tried to explain this. I was then transferred to their Security Department ( after 5 hours on hold for two days ) and I was told they would email me an appeal form to resolve the issue. This could also take up to 15 days. Here 's the Catch22 I need the Account Number and Access Number to put on the Appeal form but I don't know them. I can still login on line but it won't show me account info because the account is fraudulent. I called for the account information can't be given out over the phone because the account is fraudulent. So basically my start date was TODAY and I can't start because I have a Fraudulent Bank account with Navy Federal Credit Union which isn't really fraudulent which is preventing me from clearing my Federal Bureau of Investigation ( FBI ) Fingerprint check.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75238
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Navy Federal Credit Union closed my open end consumer credit plan without my authorization and permission. See attached document.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/22 I submitted payment in the form of remittance, tendered or coupon payment for the amount of {$14000.00} to my XXXX XXXX XXXX XXXX account which NFCU received on XX/XX/22. XXXX weeks later, I followed up via telephone call to see if coupon was received and if it was credited to my account. When speaking with a supervisor, he stated " the coupon you sent in is not a form of payment we accept or will honor ''. However, coupon payment is a form of legal tender. According to U.C.C 3-603, ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.Also, under EXTINGUISHMENT OF OBLIGATION CHAPTER 4 Article 1256. If the creditor to whom the lender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or sum
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I filled out a police report and also an FTC report for my credit profile. Someone stole my wallets and was able to obtain credit cards, and also bank accounts in my name. Everything has been compromised Ive noticed on credit profile for fraudulent accounts that are reporting. I need to take them off. Navy Federal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91737
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a Dispute in regards to the incorrect items on my credit report with Credit Bureau XXXX on XX/XX/XXXX. It has been well over 30 days and I haven't received any investigation results. Furthermore, I have been a victim of identity theft and Navy Federal CU and XXXX XXXX are fraudulent accounts that were placed back on to my credit report after being removed and /or deleted on report XX/XX/XXXX. You will find such information in attachment. Kind Regards XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2022-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been out of town for several months and while away on XX/XX/XXXX my son applied online for a navy federal car loan in my name. This application was 100 % unauthorized and I would like the inquiry removed from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2022 it was brought to my attention that Navy Federal Credit Union has been collecting unearned interest which is a violation of ( 15 U.S.C. 1615 ). Also, Navy Federal Credit Union has not been applying/transfering my principal balance to my account and have told me after a phone call to customer service that they was going to charge me late fees and have put my account in collections because I haven't sent them Floating Rate Notes/ Federal Reserve Notes. Navy Federal is demanding that I send them a total amount of {$79.00} before the XXXX of XXXX. I'm trying the understand how Navy Federal thinks I owed them U.S. Currency which is an obligation of the United States? pursuant to ( 18 U.S.C. 8 ). Also, I have been sending my endorsed dividend check/ coupon/ remittance slip that comes on the bottom of my Bill to Navy Federal po box /LOCKBOX and Navy Federal has not applied them to my account or has not sent them back which is a violation of Uniform Commercial Code.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. / :. NAVY FEDERAL CREDIT UNION ACCT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. / : .NAVY FEDERAL CREDIT UNION ACCT NO : XXXX PLACED ON MY XXXX CREDIT RPORT. / :. NAVY FEDERAL CREDIT UNION ACCOUNT NO : XXXX PLACED ON MY XXXX CREDIT REPORT. 15 U.S.C. 1681 SECTION 602 A states I have the right to privacy. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681 C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 45U.S.C. 1681 S- 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A