Date Received: 2022-02-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Addendum to previous complaint. Please note, I will continue to file complaints against this company while legal remedy is being pursued. Update, using their online form my payment scheduled for XX/XX/2022 was not processed per my statement as such. I also called and attempted to use their automated service and reception of my payment was denied. Their automated system clearly states that a payment can not be accepted. I recorded this attempted transaction.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 47331
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Ive sent Navy Federal two letters No certified mail and they have not been able to validate the debt they claim I owe there for the debt it shouldve been zeroed it has not been cleared! They sent statements and statements do not validate debt! That credit card bill has already been paid from my social security trust account that was created at birth thats why they cant validate it! Theyve been taking money out of my checking account and putting it towards the credit card bill ILEGALLY WITHOUT MY PERMISSION ALL ILLEGAL ACTIVITIES NEED TO CEASE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: A credit card I owed on was charged off. Navy federal credit union waited for my tax refund to deposit and then took {$5000.00} dollars from my checking account ( all I had left to spend on a home for my children and I ). I did not consent to this. They offered me a settlement of half of my money back and told me this was the only option. Both representatives were rude and fully unprofessional. I was yelled at belittled and they further more looked into my recent transactions to determine whether or not they would reverse the money or let me set up a payment plan. Their names were XXXX and XXXX. Call was on a recorded line and can be looked up and reviewed/listened to. I was treated inhumanly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98273
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Navy Federal has taken close to XXXX dollars from my accounts claiming I owe overdraft fees for accounts they charged off and removed from my online view when I ask for explanation and breakdown of charges I was hung up on twice I do not owe navy Federal this amount of money and this is fraudulent
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022, I applied for a Navy Federal Credit Union. Navy Federal Credit Union denied me an extension of credit for a few reasons. Which included my internal proprietary Navy Federal credit score/credit report and the information found on it. Which in fact is a credit scoring system. According to the Equal Opportunity Act, it is against federal law to proclaim an adverse action against a consumer for these reasons. Navy Federal has violated my federally protected consumer rights. Navy Federal should resort to reasonable procedures to rectify this matter, also, for the use of my social security number in which I received no benefit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Requesting remedy for the following violations from NFCU. Violation of 15US code 1642, 15 U.S code 1681m, and 12 cfr 1002. Have mailed certified letter of notification to Navy Federal with tracking number XXXX. Letter has been received but have not received a reply.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XXXX I went to visit Navy Federal Credit Union, in XXXX XXXX, TX, which I am a member of and have been a member of since XX/XX/XXXX. I went there to complete a cash advance, I am a XXXX Veteran and My XXXX goes into my external account. So every month I go to Navyfed to do the cash advance from my external account, XXXX and transfer my funds to Navyfed. I've been doing this kind of transaction for over a year now from the same account, using the same card without any issues, until yesterday. Navyfed only allows cash advances over the phone up to {$500.00}. Anything over that amount a member is required to come inside the branch to complete the transaction, because additional information and identification is required. Which I've always complied and understood. So, yesterday my transaction was denied after, I provided everything they asked, and the teller told me because certain identifiers could not be verified, therefore I could not use my card to the external account. I asked why not? When I've been using this card without any issues. I said where is the documentation stating the changes, she continued to say I can let you speak to my manager, I said that's fine. The manager said she would call her supervisor, they denied it saying Navyfed had taken losses from this kind of transaction with my external bank. I told them what does that have to do with me? Decline those members that have resulted to the bank taking loss. Not the members that's doing accurate and legal transactions. I asked for the corporate number, they called the branch to try to get more information and I asked them where is the notice about this change? They said they didn't have one. Well I'm Like that's kind of funny when the branch stated it was a valid policy change. And at this point I feel targeted. You can't just verbally make a policy change without the appropriate documentation. Then just expect bank members to abide by it. They ending results was that I was unable to transfer the funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This bureau has been contacted several times regarding these inquiries in order to have them removed from my credit report. Even when I called them, they ignored my complaints, and then challenged me to file a complaint with the FTC or Consumer Financial Protection Bureau ( CFPB ). I did file my complaint to FTC and still, they don't delete these unauthorized inquiries on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92651
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Various charges to my credit cards and access to my bank account was given to someone. XXXX is were cashed and signed fake signature and a line of credit was issued. The bank denied my claim and stated that I was a participant in the fraud and is holding me accountable for the damages and the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95380
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The hotel charged my card without my permission. I checked out and went out of town for two weeks. I didn't owe the hotel XXXX but they charged me. I complained to navy federal in XXXX and still no results
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77478
Submitted Via: Web
Date Sent: 2022-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A