Date Received: 2022-03-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In early 2021 ( XXXX or XXXX ) I contacted navy federal trying to settle and receive information about a debt they claim I owe them. They told me the debt was charged off and that Navy Federal is no longer handling the debt and said that I could no longer pay Navy Federal for it. Via telephone on their recorded line They provided me the number to a collection agency and told me to call them to handle the debt. I did and couldn't reach anyone but left messages. I received a letter from XXXX XXXX XXXX asking for payment of debt on behalf of Navy Federal Credit Union. I responded and asked that they verify and validate the debt, which they had 30 days to do so, they sent me the same letter in the mail along with a few blank pages but nothing validating the debt in XX/XX/2021. They never validated the debt on behalf of their client Navy Federal and they both never contacted me again, navy federal said it was due to a " cease and desist letter '' that I sent XXXX XXXX, which was a formal complaint against the company for reporting falsely without validating the debt on behalf of Navy Federal. I still sent letters every month to XXXX XXXX who Navy Federal referred me to, their representation, asking them to validate the debt XXXX XXXX XXXX and they never responded them or their client. I attempted to report the collection agency with the CFPB, complaint number XXXX are claiming that they gave it back to Navy federal in XX/XX/2021 but that was the month they tried to validate the debt with the letter and blank pages and I responded XX/XX/XXXX demanding that they delete the information according to the law. By law they are required to verify the debt or promptly delete it. Navy Federal referred me to XXXX XXXX to handle this debt and XXXX XXXX failed to properly validate the debt within the 30 day time period for their client. It legally has to be removed. I tried to settle this with navy federal directly over a year ago and the referred me to their representation. This is defamation and Navy Federal should be held accountable, I should not have to go through the entire disputing process again directly through them because when I attempted to in 2021 they told me they will not be handling it and directed me to their representation and I spent over 6 months trying to get them to properly validate the debt and because XXXX XXXX, Navy Federal 's Representation/an extension of them couldn't properly validate it within the allotted time frame I now still have to go through navy federal ? They refused to handle my debt directly and I exercise my rights according to the FCRA and they couldn't validate the debt but refused to delete it after all this time they get to say now you have to directly through us even though XXXX XXXX XXXX was working for navy federal to settle the debt? please do something about this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63137
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022, I noticed an unauthorized transaction for the amount of {$210.00} from an unknown company labeled as XXXX XXXX XXXX XXXX. I called my bank right away to notify them the transaction was unauthorized by an unknown company. The Bank replied that my account must be charged for them to be able to file a fraudulent claim with XXXX company and even though the transaction shows as pending the Bank can not reject or deny the claim. So the Bank does not care this is the first time something like this happens ; they treated me as if I am constantly reporting unauthorized transactions or as if I am lying about the unauthorized transaction.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened up a dispute for {$2700.00} for a XXXX XXXX XXXX charge. I signed up for commercial auto insurance through this company and had problems from the initial sign-up. Navy Federal asked me for a copy of the correspondence with the company and any additional correspondence showing they did not fulfill their side of the obligations. I uploaded those documents on time through their portal. Navy Federal never called me for additional verification or with any questions, they just canceled out the temp credit, and now my account is negative for {$2700.00}. I have contacted Navy Federal, and I am not getting many answers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Problem with customer service
Subissue:
Consumer Complaint: Filed complaint on XX/XX/XXXX about not being able to access funds for an international transfer. Following up : gave them all ( and more info ) Navy Federal Credit Union requested. Pieced together from various customer sevice reps who appear to have no set rules nor scripts to read for a person asking to transfer money. Latest : Sent all the info they asked for. Even went online to find a form that someone used that has navy federal logo. Filled that out. Sent an email with info requested via email. No response. then went to app messages. Sent the same email via pdf and multiple " security check info ''. Again no response. Called : somehow transferred to a rep who had no idea what i was talking about and then XXXX oh that's another department when gave her the cc_resolution navy federal email handle. On hold, no checking in. Until the shift/office closed and was told : I can not hear you I am disconnecting the call. Consider the latest NFCU news : Will not go into that but a XXXX search gives multiple lawsuit actions. Why am I not able to access my funds in a reasonable amount of time? Why no form on your app or on your website? Why multiple conflicting answers from your telephone reps? What is with the wait for 30 minutes tactics/ Why am I not able to transfer money out of Navy federal on the same day? this is purely stalling ... and who wins? NFCU Audio recordings of calls, notes, etc. made. Not to be shared right now
Company Response: Company believes it acted appropriately as authorized by contract or law
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have 3 negative accounts reporting with Navy Federal Credit Union. The accounts in questions will be attached to the following CFPB complaint. There are multiple payments reporting late on three different accounts. The late payments being reported was reported during a period of being on XXXX XXXX military and being XXXX. This falls under SCRA. Please review the following attachments and correct the following late accounts to paid on time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45236
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: NOTICE : PLEASE BE ADVISED A COMPLETE COPY OF THE BELOW COMPLAINT WAS SENT TO & RECEIED BY NAVY FEDERAL ON XXXX XXXX, XXXX VIA USPS CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX. NOTICE : I WAS NOT ABLE TO UPLOAD THE CONSENT ORDER OR THE DEBIT CARD DISCLOSURE AS THE FILES WERE TOO LARGE FOR THIS PLATFORM. On XX/XX/XXXX, NAVY FEDERAL CREDIT UNION unlawfully, deceptively and without notice, restricted my Debit Card access connected to account number XXXX, violating my consumer rights, the CFPA and CFPB Consent Order No. XXXX. On XX/XX/XXXX ( months later ) NAVY FEDERAL CREDIT UNION notified me of their actions by mail stating that my debit card history demonstrated a violation of the Debit Card Disclosure but failed to specify what action/actions specifically violated the agreement and how. After reviewing the Debit Card Disclosure I could not find anything that that would justify the adverse action taken against me. On XX/XX/XXXX, using their members portal I began sending NAVY FEDERAL CREDIT UNION a electronic message requesting a explanations of the alleged violations so to ensure that they would not be repeated in the future. After going back and forth with NAVY FEDERAL CREDIT UNION via its Member Messaging portal I finally got a response of admission to which I have attached to this complaint titled EXHIBIT B. NAVY FEDERAL CREDIT UNION has a history of being unfair and abusive to consumers and its members. On XX/XX/XXXX, NAVY FEDERAL CREDIT UNION was sued by UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU for its Unfair Electronic Account Access Restrictions and material representations that were likely to mislead reasonable consumers and that is exactly what they are now doing to me. I clearly have good reason to believe and do so believe this is an unlawful attempt to punish me for exercising my right as a consumer to dispute unauthorized transactions which establishes an inability to protect my interest while using this consumer financial product or service. This act is defined as Abusive under of 12 U.S.C. 5531 ( d ) ( 2 ) ( A ) ( B ) and is a violation of 5536 ( a ) ( 1 ) ( B ). These injuries are not outweighed by benefits to me or to competition and my injuries were not reasonably avoidable because NAVY FEDERAL CREDIT UNIONS policies and practices regarding electronic access and service restrictions were not adequately disclosed to me when I opened my deposit accounts and are still not to date. Therefore, NAVY FEDERAL CREDIT UNIONs representations, as described above, constitute deceptive acts or practices in violation of sections 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98058
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Back in XXXX I started the home mortgage application with Navy Federal after going under contract with the sell of my prior home that was also financed with Navy Federal. My home sale date was quickly approaching so I got a preapproval and submitted all my documents over to the credit union right away. After multiple follow up on my part and my agent I was told that if any issues arise before my XX/XX/XXXX closing date I would be contact well in advance. On closing day the everybody is prepared to close we are just waiting on closing instructions. That same representative who told me she would contact me if any issues arise would be the reason Im still without a home while she refused to admit her failure to provide a service for the customer. Here I was on closing day being told she not sure what happen. The rep had not referred my file over to processing so here I am without a home for the foreseeable future. Upset I took to social media to voice my displeasure which caused the rep to stop caring about the file all together. I was under the impression that I had been paired with a bad rep but the longer I continue in this process. I find Navy federal lack leadership. After multiple request from that reps supervisor I never received a call or email. I have sent emails to Navy Federal CEO XXXX XXXX with no response from her office either. I am in danger of losing the home which I did everything to secure because of navy federal negligence. I was forced to come out of pocket for a place and me and my belongings and when everybody at navy federal goes home after a long day I am still being forced to figure it out because of the negligence on Navy Federals part. It is a crime that this are the people who protect service members finances and secure home loan. How can a company provide sure poor quality service to the very people that protect them. I am still without a home I have to complain on social media to get a call with updates I have never had such bad service in my life.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77096
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I recently tried to open a business account last year & I was told by NFCU that a check was deposited into my account years ago. My account was then overdrawn, closed, and the amount was never paid back to the bank. I have sent in several statements in this regard because someone tried to open a XXXX XXXX XXXX account in my name as well. After doing my own personal research, I found out that scammers are at a all time high since the pandemic. I've been trying to correct all of my credit reports since last year. Any overdrafts on my consumer file should be paid in full. I should not any outstanding balances with any financial institutions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 71118
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: New and updated information. I sent a cease and desist letter along with a SECOND request for debt validation to NAVY FEDERAL CREDIT UNION which was received by them on XX/XX/22. NAVY FEDERAL CREDIT UNION responded only with the exact same thing they sent in response to my initial debt validation request which is an envelop containing statements which IS NOT proof of validation as REQUIRED by federal law
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I SPOKE TO NAVY FEDERAL WHO I BANK WITH AND I EXPLAINED TO THE ACCORDING Your company is in clear violation of the law, Pursuant to 15 USC 1681a ( 2 ) ( a ) ( 1 ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions and Experiences between the Consumer ( ME ) and the person NAVY FEDERAL CREDIT UNION Making the report is NOT INCLUDED on my consumer report THEY ARE REPORTING MY UTILIZATION REPORT WHICH IS AN EXPERIENCE AND IT SHOULD NOT BE THERE. I REQUESTED THEY INSERT 5 % OR LOWER FOR THE UTILIZATION OR REMOVE IT COMPLETELY FROM MY REPORT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A