Date Received: 2022-04-02
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I mailed Navy Federal Credit Union a debt validation and cease desist notice in XX/XX/XXXX for validation of the alleged auto debt. They received both notices via certified mail ( XX/XX/XXXX ) and had 30 days to respond with information to validate the date. Navy Federal Credit Union failed to send back the required information to validate the alleged debt which is a violation of 15 USC 1692g. Pursuant to 15 USC 1692g ( b ) Navy Federal Credit Union is in violation for not ceasing collection of the alleged debt or any disputed portion thereof until I the consumer received a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor. Navy Federal Credit Union proceeded to mail me a debt validation letter ( XX/XX/XXXX ) that was inconclusive and did not include the name of the original creditor. Navy Federal Credit Union proceeded to share my location information and send an unauthorized third party ( Final Notice XXXX XXXX and XXXX XXXX XXXX to private property to steal my property ( XX/XX/XXXX ) and that is a violation of 15 USC 1692c ( b ). Navy Federal Credit Union also mailed me a " NOTICE OF REPOSSESSION AND OUR PLAN TO SELL PROPERTY '' notice ( XX/XX/XXXX ) which is a violation of 15 USC 1692e. Navy Federal Credit Union is also not registered to do business in the state of Maryland.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20774
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: Deposits and withdrawals
Consumer Complaint: Navy Fed held my checking and savings deposit for six months causing my accts to go delinquent on purpose ( {$19000.00} ) To date XXXX has not furnished a print out of these funds ( 2019 ) Navy has lied and said they returned the funds when indeed they did not but wont disclose where they went It is illegal to hold funds for over thirty days Navy wants me to settle these accts which I am willing once I know where and why my funds were being held This has been going on since 2019 and Navy is knowingly reporting false info causing damage
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80015
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Concerning Case number XXXX. I never asked if the debt was valid or not. According to the FCRA consumer law, I should have had the option to opt-out of my personal information being furnished to the consumer credit agency, and I was not given that option. According to 15 U.S.C 1681a " report containing information solely as to transactions or experiences between the consumer and the person making the report ''. So by furnishing this information you are in violation of Federal Law. I ask that you delete the Navy Federal Auto Loan account from all credit agencies. This is also adverse to me which is another violation. Please remove it immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On XX/XX/2022 I received a deposit in my navy federal checking account via a XXXX transfer in the amount of {$300.00}. The following day XX/XX/2022 navy federal violated the Electronic Funds Transfer Act, by conducting an unauthorized charge to my checking account, in the amount of - {$250.00} for a checking line of credit, and another charge, - {$50.00} for a charged off credit card which is currently in dispute. The checking line of credit is currently a {$0.00} balance, as proven by the data navy federal has furnished to my XXXX and XXXX credit report. Furthermore it is notated as closed, paid, and current. On my credit report. Navy federal MUST have furnished this info to the Credit reporting agencies, Im sure XXXX XXXX XXXX didnt randomly come up with this info. Be advised Navy Federal Credit Union, legal action very well may arise from the actions you have chosen to proceed with.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have had a checking account with Navy Federeal Credit union for XXXX Months. I have added a car loan and a credit card account. On XX/XX/2022 My app where I make payment for my vehicle, credit card payment was shut down. I am not able to make payments. On XX/XX/XXXX XXXX I immediately called customer service and assisted me with what documentation I needed to submit. ( Proof of Residfence- Car registration, proof of I.D- XXXX drivers license and was requested to submit Form XXXX. I submitted all mdocumentation and form XXXX. An email was sent to me once I submitted all documentation stating give Navy Federal 5 business days to process. Today is XX/XX/2022. I have called customer service 3 times and all reps confirmed I have submitted all documents needed. Every time I am transferred to security department, all 3 times no answer from security department and I am unable to leave a message. I would like to get this matter resolved before my car and credit card payment are due.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92841
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: My name is XXXX XXXX and I would like to file formal complaint against my credit union, Navy Federal Credit Union ( NFCU ). Below you will find a full explanation of the complaint and my desired outcome. Additionally I have attached three files ( the wire transfer form I submitted to NFCU, the transcript they provided to me, and the wire receipt ). All items are explained below within the explanation. Complaint explanation : With the assistance of NFCU I completed an international wire transfer to an individual with an account at XXXXXXXX XXXX XXXX XXXXXXXX ), XXXX XXXX, XXXX XXXX. NFCU advised I upload any supporting documentation as needed. I completed the NFCU international wire transfer form, which included the beneficiary information. I uploaded the form and the wire transfer was completed on XX/XX/2022, for the amount of the wire transfer was, {$3700.00}. NFCU provided me with a receipt of the transaction and advised it would reach the beneficiary bank by XX/XX/2022. On XX/XX/XXXX I called NFCU to obtain an update on the wire. I was advised by the representative that they are unable to provide me with any information on the status of the wire. I spoke to numerous representatives from the XXXX to around the XXXX of XXXX, all informing me there was absolutely nothing they could do to assist me in locating the funds or obtaining a status update on the wire. On the XXXX of XXXX, a representative did advise they would submit a service message to XXXX XXXX ( NFCU intermediary bank for international wire ) but XXXX XXXX is under no obligation to respond and they would most likely not hear anything back. All representatives consistently stated that wire transfers were considered cash and once sent they could do nothing to assist me as a consumer to help locate the funds or obtain a status. On or around the XXXX of XXXX, I spoke with a manager and they advised they would send me the full transcript of the international wire that was completely. I received the transcript on the XXXX, and after reviewing the document I noted that NFCU incorrectly entered the beneficiary bank account #. They entered an extra digit. Armed with this new knowledge of the error, I then called NFCU on the XXXX to explain my finding and the error that NFCU did. I spoke with a manager and they advised they would send a service message out to the beneficiary bank, XXXX, to provide an amended account #. Additionally, in recognition of their error NFCU advised they would waive the transfer fees that were originally billed to me, in the amount of {$25.00}. On XX/XX/2022, I called NFCU to discuss the possibly of NFCU providing my account with a refund for the wire amount as it was their error that resulted in the wire funds to become lost. Again, the representatives informed me that there was really nothing they could do to help, and they would not provide me with a refund of the wire. They again advised wire transfers are seen as cash and once sent it was out of their hands. I advised they sent the service message to amend the account #, and the representative stated that XXXX had no obligation to respond. On XX/XX/XXXX, I called NFCU to obtain an update on their error resolution process and again requested a credit on my account for the amount of the wire that was lost due to their error, {$3700.00}. I advised I would at that point be submitting a formal complaint to the Ombudsman Office due to NFCU lack of willingness to help. The manager simply kept repeating there was nothing they could do, it was not their policy to refund wire funds as these were considered cash. He then hung up on me. I also believe that NFCU is in violation of Reg E requirements, specific to remittances and error correction. Under the error correction requirements, NFCU had 10 days to investigate, and 3 more days to notify me of the results of the investigation. If they require more time to investigate, NFCU is required to provide me with a provisional credit for the amount of the error, which in this case would be the wire amount, totaling {$3700.00}. I understand my rights as a consumer and know that NFCU can not simply wash their hands of the mistake they made, which resulted in a nearly {$4000.00} dollar loss to me and my family. My wife is pregnant and we are currently in the process of a large move. The amount of the wire that NFCU lost, was not a small amount to my family and I. We need those funds back to make payments immediately. I would like your assistance with communicating to NFCU my concern for their blatent rudeness, lack of awareness of my consumer rights, and their willful unwillingness to correct the error they caused or help in any way. I would like NFCU to credit me the full amount of the wire, which totaled {$3700.00}, plus interest. Thank you for any assistance you can provide in this matter. Please reach out to me for any additional information you may require. Sincerely, XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: I am a veteran with over 20 years of federal service. I have been with Navy Federal Credit Union since joining the XXXX in 1989. I have always considered NFCU a top tier financial institution until this incident. I went to visit XXXX and I was very intrigued by the abundance of opportunities there to grow business. I was sending monies from my NFCU through XXXX. I was initially having any difficulties until XX/XX/XXXX. Between XX/XX/XXXX to XX/XX/XXXX, between NFCU and XXXX over {$9000.00} of my money has disappeared. I have been writing the XXXX companies every since to get resolution and the only thing that has happened is the NFCU closed out my account and XXXX blocked my account from transferred money any further through them. I am being treated like a criminal for asking for my money to be returned to my bank account. Each company say that it's with the other company. I will provide the documentation that shows this. I pray for a quick resolution. I have been put on medication for XXXX and anxiety. I not only lost out on business in XXXX, but I ended up losing my business here and my business account got closed out as well because my seed money and bill money got absorb by one of these companies and I was just starting out. I am disappointed in both companies and I have no trust in either one of the companies at this point. NFCU did not take care of me. On the contrary, they played a major hand in destroying what I was trying to build for myself and my family. I thought that I could trust them to recover my monies. They are FDIC covered. I thought that meant something. The fact that all my messages of all the reports I made to get this fixed are gone also concerns me. My parting advice to anyone reading this : Back up any communications to your own system and make copies of any and all communications to XXXX. If it's left in their system, it disappears.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I reserved a hotel room for XX/XX/XXXX. It was supposed to be reserve now and pay later but the hotel charged me. I canceled my hotel and received an email saying I would be refunded in full. well 2 weeks later no refund. Hotel couldn't give me info on the refund, so I put a dispute in with Navy Federal to get my money back since I had documentations of the refund. My credit score dropped XXXX points. The credit bureaus said Navy Federal added a remark to my credit card that it was fraud. I did not report my whole credit as fraud. I have disputed many charges since XXXX and it has never dropped my score. I called Navy Federal, and they said it wasn't showing on their end. I need this remark removed from my credit report. There's no reason my score should have dropped almost XXXX points for trying to get my money back that's owed to me when it's not fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
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: My account at navy was hacked federal 2 months ago and everytime I call them I get the run around first they told me it would be 20 days to get my money back then 45 days then 60 days now 90 days please check into this for me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I changed my insurance company back in XX/XX/XXXX to increase my coverage to make sure my house was properly covered after the recent increases in construction materials. My mortgage company took almost 3 months to pay the insurance company from my escrow account and when it did it submitted a duplicate payment which caused an escrow advance. During these 3 months my insurance company had to reverse a payment made by me out of pocket because according to the mortgage company the payment must be made by them from the escrow account. In XX/XX/XXXX I received a letter from the mortgage company requesting a payment of XXXX to cover the escrow shortage ( which was caused by their own mistake ) and the new projections for XXXX to avoid my mortgage payment to increase {$400.00} dollars by XX/XX/XXXX. Since XXXX I have been in contact with both the insurance and mortgage companies to resolve the issue they have caused and after more than XXXX XXXXhour calls they still haven't figured how to resolve the issue. According to both the insurance agent and one of the mortgage company 's home lending advisors the check was never disbursed since the insurance agent called the mortgage company and was asked to send the check back to them. Now the date has come in which I have to make additional XXXX payments to my mortgage company, and I do not have the money to cover that additional payment. I am a veteran that suffers of mood disorders and suicidal thoughts with a wife and XXXX kids, and I can not afford to lose my house. All this issue has caused me several illnesses, including not being able to sleep for more than a week, and been put in sleeping pills.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78254
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A