Date Received: 2022-04-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I went to the navy federal ATM XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I tried to deposit {$680.00} into the atm. The deposit was canceled by the ATM. It stated it would return my cash. The ATM had an error and a receipt came out that stated We encountered a problem returning your cash. Please contact your financial institution. I did just that and 10days later they deposited my money. XX/XX/2022 I received a message they denied my dispute and took {$680.00} dollars from my account. I have the receipt for their institution ATM that states the had a problem returning my cash, but that was not prof.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I, the consumer and natural person, was denied credit by Navy Federal Credit Union when I applied for a Flagship Rewards card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by NFCU due to the response I received. NFCU is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of NFCU If NFCU fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make NFCU criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I currently have a secured card of {$300.00} 1662 ( b ) - It is illegal to require any downpayment in connection with a consumer credit transaction. I have my card for almost a year now and every time I apply for an increase I get denied, I may have high credit usage all the time because im on other authorized accounts but I've never missed a payment and if anyone other than a computer generated response actually checked my credit report and see that I have 3 auto loans which I had for over a year where ive never missed a payment i have 0 derogatory remarks with 13 accounts all in positive standing. but yet I cant get an increase. As the document recently received appears to be from NFCU, the word We is referenced several times throughout the document as if multiple individuals or person ( s ) are involved in the creation of this computer-generated letter. Since the document includes no signature ( s ), would all individuals in their private capacities who are involved in said writing please identify themselves, so that I can properly address such individuals. NFCU claiming to be the creditor for the credit application submitted seems to be an error as that would be in contradiction of 12 CFR 1002.2 ( l ), which defines a creditor as... the term does not include a person whose only participation in a credit transaction involves honoring a credit card. 12 CFR 1002.2 ( k ) defines a credit card as meaning any card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit. The credit card that was to be honored in said transaction is the Social Security Card, specifically the account numbers placed on the electronic credit application. If there is any presumption that the said Social Security Card/Account is not used to obtain money, property, or services on credit see 26 CFR 301.7701-11 as security is defined within the meaning of this regulation in reference to the social security number as ... or warrant or right to subscribe to or purchase, any of the foregoing ; negotiable instrument ; or money. - ( Source : 26 CFR 301.6323 ( h ) -1 ). Recently NFCU Took {$600.00} out of my savings for NFS FEES where NFCU allowed ONE SINGLE merchant to abuse and XXXX my account until it was over draft by {$600.00}, I've contacted merchant/creditor to stop they ignored. I locked my card, got a new card, called XXXX federal and asked about over draft protection by all my means to prevent this. my account still got charged and overdraft I was penalized for not having money in my account and for that I ended up with a closed checking 's account and {$600.00} in debt over XXXX FEEs that navy federal " may '' charge. " may '' is a huge word in this policy. may is at one discretion. meaning at navy federal at its discretion may charge the fee. i don't think its fair or nor is this good banking. I did everything in my power to prevent my account from over drafting and closing. Navy Federal knew I had no monies and continued to all ONE SINGLE merchant to build up {$600.00} NFS FEE 's. I was never told that I was able to opt for overdraft protection through their banks to avoid NSF fees. Non-sufficient funds and overdrafts are two different things, though both relate to a shortfall in funds, and can trigger fees. For navy federal to take {$600.00} out of my savings when I've sent a cease and desist on collections is uncalled for and petty. how much money does navy federal makes just off fees alone just another way to rob the consumers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85353
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I can not get in touch with a real person to discuss my concerns.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Navy federal credit union automatically gave out full amount of funds during the pandemic when the child tax credit was issued. So if my account was over drawn by XXXX they would credit me the amount that was in the negative. I was told in XXXX that i was able to unenroll if I didnt want to continue. I was also told that I would be given the opportunity to start a payment plan once the funds were taken out of my account for repayment in XXXX Then I received a email that the full amount would be taken out in XX/XX/XXXX. And it never happened. Fast forward they did take out the funds of XXXX but it didnt happen till XXXX I was prepared for XXXX. Now I have a negative balance of XXXX and they refuse to allow me the chance to make a payment arrangement. Isnt this predatory banking?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32757
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am having to deal with a Forced-Placed Mortgage at XXXX XXXX XXXX From XXXX, XXXX of this year. I was not aware that XXXX was purchased by XXXX XXXX and that my home owners policy would expire during this period of XXXX XXXX buying XXXX. I have been traveling to XXXX XXXX for work and this is XXXX of the main reasons I was not aware of policy termination from XXXX XXXX XXXX As soon as I was made aware of Home Owners Policy Cancellation, a new Home Owners Policy was purchased on XX/XX/XXXX for {$800.00} in annual premium. I was made aware by a written notice sent by Navy Federal Credit Union in late XXXX, with a notice to have proof of Home Owners Insurance on my home by Mid XXXX, XXXX. I met Navy Federal Credit Union request and sent them by email the Home Owners Declaration Policy. I have attached Navy Federal 's email response to my email to them. Nowhere in their electronic response was there a requirement for home owners insurance extending back to XXXX, XXXX and that is in fact illegal, to purchase insurance for a date in the past, unless I am mistaken. How am I supposed to provide Home Owner 's coverage for a time period that has already lapsed, legally? Also, how is it that Navy Federal is charging me for a Forced-Placed Insurance policy for dates when I already have coverage on my home. As Navy Federal is not allowed to purchase insurance for a time period that is past, either. This was a charge of {$520.00} and was paid from an Escrow Account that I closed or a new Escrow Account was opened. How is this being legally done by Navy Federal Credit Union? Opening a new Escrow Account that I am responsible for or reopening a closed Escrow Account without informing me and not receiving a verbal or written authorizatikn and date to move forward with this is FRAUD. Someone specifically at Navy Federal Credit Union needs to have a notice of fraudulent activity added to their personal file and their insurance/banking license entity informed of this fraudulent act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Account was opened on XX/XX/XXXX Account was closed by issuer ( Navy Federal CU ) XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: all loan apps denied, home mortgage, new auto and used auto, 1 mil in damages so far and adding with this company 15 usc 1692k civil liabilities Civil Liability Act 1936 An Act to consolidate certain Acts relating to wrongs. Contents
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NAVY FCU ( Finance ) is reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: on XX/XX/22, I sent a Conditional Acceptance letter to Navy Federal Credit Union in order to conditionally accept their offer. They have accepted my form of payment due to the fact that it has not been returned with a notice of dishonor and they have received the instrument as a credit on their books. They need to credit my account the same as I state in my conditional acceptance letter and rebut my proof of claims which they have also failed to do. Unless they can disprove my claims, the debt obligation is that of Navy Federal Credit Union.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: 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 furnish an account without my written instructions. 15. U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a country of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A