Date Received: 2022-04-04
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Navy federal credit union has violated mutiple consumer rights and created a deceptive form to confuse consumers and undermine the laws put in place to protect consumers. FACT : On XX/XX/2022 I, XXXX XXXX initiated a consumer credit transaction with NAVY FEDERAL CREDIT UNION ( NFCU ) when I completed the credit application and gave NFCU my credit card and allowed them to extend me credit. FACT : On XX/XX/2022 NFCU defined the term amount financed as The amount of credit provided to you on your behalf which is not same definition used in the The Truth In Lending Act nor does it have the same meaning and it also implies that the credit I received was given/loaned to me by NFCU and not extended. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NAVY FEDERAL CREDIT UNION XXXX NFCU ) failed to disclose to me my right to request a written itemization of the amount financed in conjunction with the disclosure of the amount financed. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NFCU failed to disclose to me a statement indicating whether or not I'm entitled to a rebate of any finance charge upon refinancing or prepayment in full pursuant to acceleration. *reference [ EXHIBIT A ] FACT : On XX/XX/2022 NFCU defined the term total of payments as The amount you will have paid after you have made all payments as scheduled. Which is not the definition specified in The Truth In Lending Act nor does it have the same meaning. *reference [ EXHIBIT A ] FACT : I never borrowed nor was leant anything from NFCU FACT : NAVY FEDERAL CREDIT UNION has committed multiple violations of The Truth In Lending Act and created a deceptive form to undermine the federal laws put in place to protect consumers from abusive practices as such and to inform consumers of the actual cost of credit. *reference [ EXHIBIT A ] I, XXXX XXXX XXXX that all of the information provided herein, under the penalty of perjury that the information I so affirm to be true and accurate to the best of my ability and knowledge, so be it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23701
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am the daughter and the court appointed Personal Representative Estate of my mother. My mother died on XX/XX/2020. On her date of death, XX/XX/2020, she had in her Credit Union checking account {$510.00}. On XX/XX/2020, my mothers husband/spouse notified the credit union of her death. On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account, for XX/XX/2020 pension. On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account for XX/XX/2020 pension. On XX/XX/2020, a {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX was deposited to the checking account for XX/XX/2020 pension. On XX/XX/2020, the XX/XX/2020 {$340.00} deposit was ( returned/Reclaims ) Paid To the XXXX XXXX XXXX After my mother 's death three separate amounts of {$340.00} were deposited into my mothers Credit Union non-joint checking account. My mothers husband notified the credit union on XX/XX/2020 of my mother 's death. The credit union did not put a hold on the first two deposits. Another deposit of {$340.00} was deposited on XX/XX/2020 and was returned on XX/XX/2020. The pension company tried to retrieve the first two deposits but the credit union did not return or release the funds to the pension company. I was under the assumption that the credit union froze those funds to pay an outstanding loan, but the funds were not froze and my mothers husband used the funds. The credit union said I have to get my mothers husband to return the funds to the pension company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20737
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I, XXXX XXXX, a federally protected consumer and NATURAL PERSON, has been disproportionately VIOLATED by Navy Federal Credit Union. I opened my NFCU account in XXXX and in the beginning of XXXX NFCU made an unlawful decision to not send me an updated card and close my credit card account. At that point I had not fallen behind on my account so I was totally confused and completely stressed about their poor decision. It was at the peak of the pandemic and to make matters worse NFCU began taking money out of my checking account to put towards this closed credit card account causing overdraft fees. NFCU closed closed my account and negatively reported an unvalidated debt without my permission, which was of no benefit to me violating the Consumer Credit Protections Act. Pursuant to 15 USC 1601 ( a ) these laws were put in place to protect the consumer against inaccurate and unfair credit billing and credit card practices. Performing actions on a consumer account without their permission is undermining congress. NFCU repeatedly called/ texted me, took money from my checking account causing other bills to go unpaid. My consumer rating took a major hit because now this closed account is making my utilization high making it hard for me to get financing for a reliable vehicle to make it back and forth to work to maintain a living for myself and my family. I now know my rights and I am done being being violated and I demand remedy for the unnecessary stress and mental anguish this credit union has caused me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I spoke with Navy Federal Credit Union on several occasions and desperately tried to show proof of fraud and dispute transactions done fraudulently, it all started, when I purchased a new XXXX XXXX XX/XX/XXXX from XXXX in the XXXX. I filed a police report the same day at the XXXX precinct because of high call volumes on my account and my XXXX had been previously compromised. I deposited XXXX dollars into my account in XX/XX/XXXX and with the new XXXX I thought I was safe and it would not be compromised. I started using XXXX XXXX because XXXX XXXX and its easier for me to send money. I did not know about the XXXX data breach until later in the year and that's when I noticed something was wrong with so many transfers from my Navy federal Credit Union account . I called them them in XXXX to dispute charges and when it came to the transfers to XXXX XXXX I know that someone was stealing my money. ( MY XXXX WAS COMPROMISED AND CLONED I HAVE PROOF NOW THAT SOMEONE USING MY IMEI AND PHONE NUMBER MADE TRANSFERS WITHOUT MY PERMISSION. I AM FILING ANOTHER POLICE REPORT. NAVY FEDERAL CREDIT UNION RESPONSED IF I MADE ONE MISTAKE REGARDING WHICH TRANSACTIONS WAS FRAUD THEY WOULD DENY MY ENTIRE FRAUD CLAIM WHICH THEY HAVE ON MORE THAN TWO TIMES. MY SECURE CREDIT CARD ALSO HAD A FRAUD AMOUNT ON XX/XX/XXXX FOR XXXX XXXX FOR XXXX WHICH SOMEONE CREATED A XXXX XXXX AND USED MY NAME AND A DIFFRENT TELEPHONE NUMBER. THAT MONEY WAS REFUNDED AND THAT IS THE ONLY AMOUNT THAT NFCU HAS RETURNED.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/XXXX I made an attempt to deposit money through a several ATMs. The ATMs werent taking deposits. We only have one physical branch in the XXXX area. But there are several satellite ATMs. I went to every one of them and had no luck. Every ATM was either not accepting deposits or the machine was out of service. Due to the fact that I dont have a way to get to the branch all the time and I homeschool ATMs are my lifeline. Because I couldnt get money in NFCU returned a automated payment of mine from XXXX. On XX/XX/XXXX I again attempted to use the ATM at the branch and it took me through the whole process and then said it couldnt accept my deposit. I immediately contacted Customer Service as I have done many times before regarding the availability of ATMs in my area. I was told that people have been complaining and they have been working to resolve the issue. There was no remedy that I was offered except to submit a complaint. I explained that I had done that and all I was told is that the pandemic caused them a lot of issues. While I get that NFCU is suppose to make ATMs available for customers to pay bills and maintain their accounts. I had to drive to two separate locations before my deposit was accepted. This is an ongoing and continuous issue. Now I am left to pay fees for a returned payment because I couldnt get the money deposited. This has been going on since XXXX and I have been patient but this issue needs to be addressed formally.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21216
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Due to being a victim of identity theft an account with Navy federal was fraudulently opened.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: As XXXX XXXX veteran who has raised XXXX kids successfully and got a letter from President Obama and XXXX XXXX XXXX Obama through US Congresswoman XXXX XXXX, I have lived super honorably to support my young kids. To purchase something, credit utilization is very critical. Only thing most Americans cares is closing statement date, Navy federal credit union used to comply with me and my request, whenever I made a full payment to make credit utilization low ( zero ) on closing statement date, Navy federal updated and reflected on the same day to new statement ( closing statement date ). But, unfortunately, Navy federal credit union worker who is in charge of closing date statement has played with me and abused me for over weeks, Attached files indicated that I paid XXXX dollars in the credit card ending XXXX ( cash reward ) on XX/XX/XXXX to make credit utilization as XXXX before original closing date XX/XX/2022 but Navy federal credit union worker ****** ***** intentionally did not reflect on the new statement, the worker who is in charge of closing statement sent a message that they changed closing statement date to XX/XX/2022 without my consent and without considering my strong opposition. ( my opposition evidence is included in the attachment file of this case ). So I have waited to make a credit utilization XXXX until XX/XX/XXXX new closing statement date, based on the information they provided about closing statement date XX/XX/XXXX, I made a payment early morning XXXX dollars on XX/XX/2022. But in the middle of night, around XXXX pm on XX/XX/2022 ( which is not closing statement date ) Navy federal credit union worker posted closing date statement on XX/XX/2022 at XXXX. It broke the promise with me who is client and who has waited over weeks for a long time and work hard to make a payment for low credit utilization to purchase something very important for my kids in the near future.. Navy federal XXXX their client XXXX XXXX for over a month.. Navy federal credit union knows that how much important credit score and utilization for XXXX life and family. My supporters who are more than millions of XXXX, XXXX, XXXX Americans, all veterans who has served Americas freedom and I request Consumer financial protection bureau to instruct Navy federal credit union President/CEO to response to this urgent case ASAP. Best regards, Executed/Signed by The XXXX XXXX on XX/XX/2022 XXXX XXXX submitted XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX ) -XXXX bin number XXXX XXXX ( XXXX XXXX XXXX XXXX ) -XXXX Bin number : XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Other transaction problem
Subissue:
Consumer Complaint: Please be advised Im extremely upset and feel as if Ive been discriminated against. There was an issue where I went to deposit money in my account which I took from my business account to put into my personal account and I have proof of it so I dont care who is reported to Bl navy federal, A XXXX Georgia continues to call and harass me as of today I got a call from the local office the young lady didnt even know my name she called me XXXX XXXX XXXX The amount of money was {$10000.00} we miss counted myself and my husband didnt realize that it was {$90.00} over XXXX we ask the young lady to send the money back instead she deposited {$10000.00} in my account and withdrew it is what theyre telling me but I never seen {$10000.00} even be deposited to my account is nowhere on my transaction I checked my bank account every five minutes. Second I feel as if Im being treated like a criminal as if theyre saying that its impossible for someone of my race to be able to deposit that much money in the bank that was money that I have been saving from my business earnings and I also was employed my husband works we are not criminals and I dont appreciate being treated this way. I will also file a claim with the attorney generals office because something at the local navy federal office is not right and Im tired of being harassed Im tired of the phone calls like this was in XXXX why am I still getting calls that shouldve been taken care of already report it to who you want to report it to because Im not a criminal Im not stealing Im not doing money laundering. And I really dont appreciate it and Im going to take this all the way to the top if I have to because I really feel discriminated against. And for now them calling saying that they need my husbands name because he was in the car he drove the car were Married, I asked the young lady to not call my phone again and have a supervisor call me still to this day no supervisor is XXXX called me this is really ridiculous that your XXXX made a mistake and I am being harassed for it. Its also the same young lady thats always at the tailor every time my husband and I go she is XXXX and I feel like shes discriminating against us because we make cash deposits sorry that were making cash deposits. My husband owns a box truck so therefore its money that were making from the business if we were trying to hide anything we wouldnt bring it to the bank. I also have a consulting business and have been doing taxes so. I have to move money from one bank to another because I dont have a business banking account with Navy Federal so I am all my bills are coming out of Navy Federal account so I had to put the money there to pay the bills its easier for me to bring the cash to the bank but I said it is a problem and Im going to be discriminated against and your XXXX XXXX XXXX is always there in the XXXX area is going to continue to harass us and I really really have a problem with this
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022 someone hacked my bank account with navy federal. They filed a dispute on my transactions and sent the money to their self. Navy federal didnt notify me of this situation nor did I get any text messages letting me know what had happened. I contacted navy federal and filed a fraud claim on my account. Navy federal then closed my account and told me I would be held responsible for the transactions that I did not authorize. I explained to navy federal that I didnt authorize those transactions and my account must have been hacked. I was told it could take up to a year to hear something back and if they deny my claim that I would be held responsible for the negative balance. So someone can just steal my money and get away with it and I have to be held responsible. Navy federal has a policy that covers any funds that have been taken from customers. Navy federal made me feel as if I was a villain instead of a victim.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022 I was contacted by someone from Navy Federal, he told me that someone was trying to make a purchase for $ XXXXand if it was me. I said no and he asked for my social security number and I gave it to him, he said that he was going to put I block on, y account, the called failed>. When I got home I called Navy Federal and asked about the call, I was told that my {$10000.00} from my account were gone. It was a transfer from member to member.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A