Date Received: 2022-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my report and discovered many account that were not opened by me and i received no benefit. Please help me remove these accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: While receiving the child tax credit my bank NAVY FEDERAL CREDIT UNION " decided to cover my over draft for a few months before actually informing me. Once I had hot XXXX $ in over drafts they covered they explained to me it was a bank credit because they lawfully had to XXXX XXXX 100 % access to my tax credit of XXXX each month. Why they didn't just put the money in my savings account is beyond me. ANY WAY the bank calls or texts me about everything ... not this time they had sent a email a month prior saying I had to set up a payment arrangement that I didn't get receive I didn't know anything about this And it was never mentioned on my banking app or anytime I. Called so they decide to increase .my over draft limit from XXXX $ to XXXX $ with out informing me at all and kept my entire paycheck. They said legally it's not a garnishment because they were over drafts that they added up for XXXX months and then allowed that over draft to go through. The maximum. I've ever been able to use of a over draft at nfcu has been XXXX XXXX So I asked to set a payment arrangement up explained I had been off work for a week do to covid and that I had bills due like rent and I needed money to get back XXXX forth to work with I was told absolutely not my account was still active they were keeping what was owed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 42701
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Back in XX/XX/2017 I filed an police report with an company that committed fraud. I was supposed to do a vehicle refinance. The dealer cashed the check and was suppose to pay off Navy Federal and XXXX XXXX. Dealership never paid XXXX XXXX or Navy Federal left me with XXXX loans. I filed police report and customer compliant at XXXX XXXX. I'm still awaiting court date but XXXX XXXX closed out account on credit report. Navy Federal is still reporting account is open and high balance. I been trying to dispute with credit bureaus and had no luck at all and this is messing up my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29036
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My XXXX XXXX was the first to pass away due to XXXX XXXX in XX/XX/XXXX, same month I gave up my career to help support my family needs. I struggled very hard to pay at least the minimum monthly requirement to keep my payment history in good standards with NFCU. But I my credit card still closed an cost a major impact to my credit score. Now Im plan to obtain a mortgage loan to provide a roof over my kids head is at stakes. Also Later this following year My XXXX XXXX an my XXXX XXXX tested XXXX XXXX XXXX in XX/XX/XXXX, another late payment to my credit card. We lost our XXXX in XXXX of XXXX an my XXXX was born in XXXX of XXXX was tested XXXX XXXX XXXX Therefore l XX/XX/XXXX due to XXXX I lost my job an love ones, so Im asking you to remove all negatives on my Credit Bureaus
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36109
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: My 13th check that was deposited into my account from the same person was all of a suddenly flagged and put on a five day hold and they claim that is was put on hold because there is a lot of fraud from some of its ' members and all of the deposits are put on hold. This is a lie since the previous 12 checks were not placed on hold. Why was this 13th check put on hold and I do not buy the fact that there is wide spread fraud or bad check deposits from some of the members so all of the members are penalized. I think that deposits should be on a case by case basis and should be held for 5 days on the customers that have previous bad check deposits or have a negative balance with the bank. The security a hold on the deposit and there is a reason why that this check or at this point and time that they decided to place a five day hold and I have a right to know the reason. Also taking the deposit from my account gave me a temporary negative balance in my checking account that could have been a tragic out come.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89169
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I met an individual over XXXX back in XXXX of XXXX. About a month later they indicated they were deployed to the XXXX ( XXXX XXXX, XXXX XX/XX/XXXX, is the info they provided ). Initially XXXX XXXX asked me for money to help get him home as he was sick and they wouldn't send him home, however, I said no. Later on XXXX XXXX had asked me to assist him with his business investments as he was not able to access his bank account or bitcoin wallets over in XXXX. XXXX XXXX would have money sent to me through various means, wire transfer, cash and checks. Back in XXXX XXXXXXXX XXXX had a " business partner '' send me a check for deposit with the expectation the funds would be used for bitcoin investment. The bank flagged the check as fraud, at that point I decided it was best to stop speaking with XXXX XXXX. A few weeks later XXXX XXXX contacted me through a different number and winded up talking his way back in. I am a very trusting person and wanted to believe he was telling me the truth. He told me he loved me, quickly told me he wanted to get married, would ask about my son, would tell me that everything would work out when he returned from deployment but they continued to extend his deployment. He would have flowers sent to me, to keep his hold on my heart. On Monday, XX/XX/XXXX, I tried to log into my account with Navy Federal and was unable to. When I called them they said the wire transfer I received was flagged by the issuing institution ( XXXXXXXX XXXX XXXX ) as a fraudulent transfer. They then told me it looked like I was laundering money because as soon as it hit my account I transferred the money out of my account. The transfer was for {$5000.00}. I transferred {$2000.00} through XXXX XXXX and {$2600.00} through XXXX via XXXX for bitcoin transfer. The individual who supposedly made the transfer into my account was XXXX XXXX 's business partner. When I decided on XXXX to cut ties with XXXX XXXX the business partner " XXXX XXXX '' called me, pleading with me for over 30 minutes to work things out with XXXX XXXX, his mom is the one who made the transfer, and she made an additional transfer in the same day by accident, she called XXXX XXXX bank to report it and they posted it it as fraud to the wire transfer to my account. This is not the first time money had been transferred into my account for the purpose of bitcoin investments. Navy Federal is basically stating it is my fault as they warned me that it was fraud a few months ago and there is a hold/restriction on my account and I am out almost {$6000.00}. I am a single mom with full custody and can't afford to be out that kind of money. XXXX XXXX would sweet talk his way back into me letting him back in and assisting him with his business transactions. I assumed that because he wasn't asking me for money that I wasn't doing anything wrong. Navy Federal is placing me under investigation for fraud. I did not think I was doing anything wrong as I wanted to believe the fraudulent check was truly a mistake and wanted to be able to help him with his business transactions. I provided all supporting documentation to Navy Federal. Every time I call to talk to someone at Navy Federal I get a different response. Last week I was told by XXXX individual to submit an appeal and provide all supporting documentation which I did. The next person I spoke with then told me I should have never been told that, the person was new and didn't know what they were talking about. She then indicated to me that they would put a hold on my account for {$5000.00} which was requested to be returned from XXXX XXXXXXXX XXXX and the remainder of the funds would be released to be but I wouldn't be able to continue to bank with them. Today when calling to check the status, I was then told that they have a full restriction on my account and none of the funds are available to me as they are investigating all transfers into my account. So now I am out almost {$6000.00}, I have bills that need to be paid, I need to get groceries, I need gas to get my son to and from, I just don't even know what else to do at this point. I clearly understand I was part of a scam, but innocently so, as I thought I was assisting with his business investments, and I feel like I am being targeted as someone who knowingly and willingly committed the fraud. Contact information I was provided for XXXX XXXX was XXXX, with the phone number for his mother being XXXX. Contact information used by XXXX XXXX - XXXX, XXXX, XXXX, XXXX, conversations were initially over XXXX chat using the email XXXX. When I cut contact back in XXXX he switched to the XXXX email. I was not able to provide my account number on the next screen because I do not have access to anything on my account, I am not even allowed to sign in and look at it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit was used without my permission.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon pulling my consumer report I noticed inquires from companies Ive done no business with or applied for employment with. These inquiries are false and inaccurate and should be removed immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48335
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I submitted a fraud claim against XXXX for the amount of {$140.00} and a Navy Federal Credit Union fraud specialist responded to XXXX by crediting them back {$75.00} that was erroneously put into my account. My claim hasnt been resolved and {$140.00} is still owed but Im wondering as to how Navy Fed responded and took care of XXXX but not resolve my issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77433
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: 2022-02-21
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: In XXXX Of 2020 I Was Diagnosed With XXXX, Which Led Me To Be Hospitalized & Also Unable To Make A Credit Card Payment With Navy Federal Credit Union XXXX I Requested Forgiveness And They Refused To Remove The Late Payment From My Credit Reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A