Date Received: 2022-05-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Around XX/XX/XXXX I was given XXXX grants from the XXXX XXXX targeted advance and supplemental advance. XX/XX/XXXX the Navy federal credit union froze my account and started the process to close my account and sent back to XXXX {$9000.00} but still have not given me the remaining {$5000.00}. The XXXX told me to get my bank to send the {$5000.00} directly to me due to an enormous back log of returned funds as these grants are for emergencies to keep my business afloat. The Navy Fed won't tell me why they have frozen my funds or why they won't give my funds back to me. They have received from the XXXX my other funds successfully {$1000.00} in XX/XX/XXXX and XXXX of XXXX {$6000.00} and {$7000.00}, so the excuse that this is not a business account does not apply here since I was able to receive my other funds for my small business, I am a sole proprietor with no employees. I am able to use my personal account due to having no employees and in the guidelines per Cares act all sole proprietorship with no employees may use their personal accounts. The Navy federal has been so rude and dehumanizing towards me the security department has been awful and won't help me or give me a chance to clear up any discrepancies. Since XX/XX/XXXX I have lost my business because my car loan went into default because I have no access to my funds, I use my car to carry supplies and travel to the homes I serve. I have lost my home because I can not work, I don't even have bus money. My son has served the XXXX straight from XXXX when he left he had a home, now XXXX XXXX is about to be done XXXX he served the XXXX XXXX and he XXXX coming home to nothing, he will be XXXX as well. Navy Federal keeps sending me my monthly statement with my {$5000.00} showing in my checking account but won't let me access funds that would enable me to get back to business. They have severely crippled me.
Company Response:
State: CA
Zip: 92028
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a home mortgage loan with navy federal credit union on XX/XX/22. My application was already preapproved prior to and all documents submitted including income verification. My loan was denied on XX/XX/22. My loan office has yet to call or communicate with me. After calling customer service 3 times I was advised they needed a letter from my employer which I provided. I was told my loan was denied due to income. Once I spoke with the first rep she stated my loan should be approved as everything is in order. And se submitted my employer letter. I was then told by someone else my XXXXXXXX XXXX was denied due to income but that was wrong as my income was excessively higher then what was needed for loan approval and she advised the underwriters made a mistake and my loan would be resubmitted. My loan officer has not contacted me in about 2 weeks and I was unaware of what was going on with my loan or application. On XX/XX/22 I was advised by logging into my account that my loan application was closed and I would need to reapply. The leander has exhibited multiple discriminatory practices primarily on the grounds of race and my understanding denial because of property location in a XXXX low income area.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I'm trying to open an account with navy federal credit union. My consumer report shows that I opened an account with XXXX XXXX, and the contributions reason is Identity Fraud. I tried to open an account with a XXXX XXXX but never went back to confirm my information. Technically, the account was never open. Now I'm trying to get that cleared up to open my Navy Federal Credit Union account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46239
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Getting a loan or lease
Subissue: Problem with additional add-on products or services purchased with the loan
Consumer Complaint: On XX/XX/XXXX I was pre-approved for an auto loan XXXX with Navy Federal. I had purchased a vehicle in late XXXX and returned the car within the first weekend of having it due electrical issues. On XXXX XXXX, I informed Navy federal customer service that I would be returning the car and for them to do a stop payment on the check. I was told to sign the Indemnity Agreement form and send it back, a week later my entire preapproval was canceled in the system, I only learned this when I tried retrieving a new check at the bank location that the loan had been canceled in it's entirety. On XX/XX/2022 I talk with customer service supervisor over phone while sitting with a agent at the bank and was told by her that " I told them to cancel the auto loan because I no longer needed it ''. I informed her I never stated that and can you all pull the recording of the conversation, she stated that it would take one to two business day to retrieve the recording and someone will call me back. The next business XX/XX/2022 the same supervisor called and stated that she did some research and there was no need for the recording to be retrieved because she realized the problem and that because I returned the car, that's why the loan needed to be canceled and would have to apply for a new one. I hung up and talked with another supervisor who stated that the loan was canceled due to an error on their end, but I would still need to reapply. I stated that because you all made an error why do I need to pay for it and have my credit hard pulled again just so now this time you can deny me for said loan. I now wish for some one to look into this erroneous error.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: N accordance with Fair credit reporting act account # XXXX has Violated my rights 15 U.S.C 1681 section 602A. State I have Right to privacy 15 U.S.C 1681 section 604 A section.2 it also state consumer reporting Agency can not furnish a account with out my written instructions
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have tried to resolve this problem with the collection agency XXXX, Navy Federal Credit Union, and XXXX. Everyone wants to blame the other. The account has been paid and should reflect a XXXX balance since XXXX. I have tried and tried and no one seems to want to fix it. They have a legal obligation to have correct information on my report. I have provided documentation to all parties to prove its paid to no avail. Please please please help me get this fixed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for anv purpose. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: im currently going through financial hardship. with my home up for foclosure behind on payments for cars and bills and struggling to put food on the table. navy federal went into my account for a card that was charged off over 8 years ago and took XXXX out of my account on XX/XX/22 out of my checking account that was set aside to get the mortgage caught up.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
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 filed a fraud dispute claim with Navy Federal Credit Union a few months ago and never heard anything back. I would try to call when I get off work but it'll either be extremely long wait times or they would close. I finally was able to speak with someone and she told me that the fraud personnel was out of the office so she couldn't provide me with any accurate information in regards to my claim. After an hour wait on the phone, she informed me to login into my NFCU account online and send them a message through the portal to request an appeal since she didnt see a valid reason why my claim was denied. There was a list of charges disputed on my account. However, I just came to realization that NFCU never honors a claim. I've had maybe two small claims over the years and I've been a member since 2017 and they always declined my claims. This is no coincidence and I'm starting to feel like I'm being racially profiled and my XXXX American money isn't worth protecting and claims arent worth being approved. I've accepted the losses in the past but I refuse to let this behavior continue. I submitted an appeal on the NFCU website and I would like to request a reinvestigation immediately. I would like my account balances updated correctly, all fraudulent charges removed, a temporary credit applied while they reinvestigate this account as well as my bill amount due updated correctly. I request immediate attention to this matter and If this isn't handled professionally in a timely manner then I am willing to consult with an attorney to seek monetary damages for charges on my account, damages to credit, and more. This is a FINAL appeal request and NFCU have a list of the charges filed in the dispute in their system already.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is an inquiry on my XXXX credit report from Navy Federal I didn't submit an application for this. I called them but they failed to fix this issue
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 61111
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A