Date Received: 2022-02-21
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I submitted a false and deceptive form ( APPLICATION NUMBER : XXXX ) in order to extend my credit to Navy Federal Credit Union and was denied my rights. Navy federal used my credit card and I didn't receive any benefit which is an unauthorized use according to the Truth in Lending Act. This act constitutes a criminal and civil liability. Navy federal sent a denial letter stating factors which led to a denial and they should know that those factors ARE NOT DECIDING FACTORS. You can not deny me of my rights.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I XXXX XXXX, a consumer and customer of this financial institution, have a right to privacy pursuant 15 U.S. Code 1681a ( a ) ( 4 ) and 15 U.S. Code 1692 ( a ) as it speaks on my individual right to privacy. My private information regarding this account has been furnished without my lawful authority or my written consent. I am aware that my written instruction is needed to furnish any information to a consumer reporting agency. No lawful authority or written consent constitutes Identity theft in accordance with 15 U.S. Code 1681a ( q ) ( 3 ) and similar to REG V 12 CFR 1022.3, which is a fraud committed or attempted using the identifying information of another person without authority. I have not given my written lawful authority for this information to be furnished. I am aware that in accordance with the Gramm-Leach-Bliley Act, I, the consumer have the right to know where and how to direct disclosure of my nonpublic information and should have been given an explanation of how to exercise that nondisclosure option. I have not received such an explanation. Please provide the written instructions that I, the consumer gave to NAVY FEDERAL CREDIT UNION which has authorized these furnished accounts. If you can not provide me with these instructions written by me prior to this notice, this has been a fraudulently made consumer report using my identifying information and account NAVY FCU XXXX, XXXX, XXXX XXXX XXXX XXXX - XXXX must be deleted from all consumer reporting agencies immediately. This is my written instruction to opt-out of credit reporting for this account. If my instruction to opt-out of credit reporting can not be honored, I request a statement on your companys letterhead signed under penalty of perjury stating why it can not. I am aware, the making of any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am also aware that whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to 500,000 for a felony by an organization or imprisoned for 5 years or both.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX I went into a branch about a credit card come to find out someone tried to open and account in my name in XXXX but with negligence on behalf of navy federal credit union it wasnt identified or brought into question until I was approved for the credit card after being denied for years most of my banking has been done online without problem but once i come in person identify myself with every document or passcode they required Im still denied access to my funds I have had this account for XXXX years Im a XXXX 100 % percent total and permanent XXXX veteran my only income is not accessible to me at no own fault of mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I consumer entered into a consumer credit transaction with Navy Federal Credit Union. It has been noted on the payment coupon AKA bill/statement that this 100 % value coupon is being accepted for the value indicated ( {$12000.00} ) 15 USC 1602L . I wish to thank you for obtaining the funds from my government-created XXXX XXXX XXXX account for me in order to prepay this obligation. You could have informed me about this process a long time ago as it could've prevented my family and I unnecessary financial stress. Fact, Navy Federal Credit Union is in violation of 15 USC 1611 under provisions of 15 USC 1601. My application is actually a negotiable instrument and accounts receivable pursuant to UCC Article 3 3 -304
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I consumer entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/18. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Navy Federal charged me a finance charge of {$11000.00}. Navy Federal Credit Union is also in violation of 15 USC 1643 in which my credit card ( SSN ) was used in which monthly payments of {$600.00} is being paid monthly when its suppose to be paid off being that consumer used his open-end credit plan. Banks can not loan money according to 12 USC 1431. Navy Federal credit Union used my credit card ( SSN ) to apply for a loan in my name fraudulently.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On the date of XX/XX/XXXX, I applied for an auto loan by extending my credit to NFCU. I did the consumer transaction thinking that I was in good hands, until it came to my attention that the bank committed fraud. The fraudulent activity that I am referring to is the finance charge. It is very dissatisfying that NFCU committed fraud since I am the original creditor and extended my credit for the consumer transaction pursuant to 15 U.S.C. 1692 ( a ) ( 4 ). The finance charge is what I believe deceived me into thinking I was making a good decision with the transaction. Pursuant to 15 U.S.C. 1605 the finance charge is the sum of all charges. The payments gave me a lot of trouble during the year XXXX ( Covid-19 outbreak ) because of the lack of work as well as the virus itself. In addition, the effect the payments had on me took a toll on my mental health because, I went into a XXXX, I was not able to provide for myself as well as help my mother out with her rent. Also, the inconvenience of it all is what caused me to not have confidence in myself to get a job because I couldnt afford a haircut, gas for my car, or interview clothes to even see if I could get an essential worker job. Therefore, since the insurance was not included the contract is void pursuant to 15 U.S.C. 1605 ( a ) ( 5 ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I logged in and checked my account and noticed that it was overdrawn by {$1400.00}. I called and was told by a representative that as a courtesy the gave me a credit of my estimated child tax refund when my account was overdrawn on multiple occasions ( never authorized by me ) and yea hen came to debit it back from my account in XXXX ( Also never authorized by me ) They claim they mailed me a letter but again I never authorized this service or program and how would they know if I was even using my account for tax refund purposes or if I was even allowed a credit this year. I never gave Navy FCU permission to credit, debit or participate in a program that would give me temporary credit. I am extremely upset and now forced to pay back something I never agreed to.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I made a deposit at a navy federal ATM inside a XXXX. This ATM was supposed to be owned by navy federal. It has navy federal badging and the navy federal logo is on the home screen. On that day I Deposited {$200.00} in {$1.00} bills into the ATM.. However, it only shows in my account a {$20.00} deposit. I called navy federal about the situation. They advised they would start a claim and it would take up to 10 days to issue a provisional credit. I advise that I provided documentation of the receipt to navy federal via my mobile app showing what I had deposited into the ATM. Still I was told there was nothing that could be done that this was a XXXX party ATM M.. I again expressed to the representative that it was not a XXXX party or a Co-Op ATM it was a navy federal AT was ATM I was then a in advice by XXXX a supervisor whom I spoke with on XXXX the XXXX at XXXX PM Eastern time that the ATM was a navy ATM Co-Op ATM. I express to XXXX now the story has changed initially I was told it was a Co-Op ATM then I was told they saw it was a navy federal ATM and then I was told no it was a combination of Both. Long story short navy federal has failed To make a diligent effort To rectify the situation. In summary I deposited {$200.00} was only credited for {$20.00}. It was. I provided the receipt from the transaction yet as Of this statement XXXX the XXXX I've yet to have a resolution. The atm is located at XXXX on XXXX XXXX XXXX XXXX, Florida
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following CHARGE OFF/COLLECTIONS ACCOUNT from my credit report immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement NAVY FCU on XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX, XXXX, and/or XXXX ] consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides XXXX A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; I did not Give Written Instruction to do and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). I have not initiated any transaction with NAVY FCU. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with NAVY FCU for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A