Date Received: 2022-02-16
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I, XXXX XXXX, a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306 is aware that the unlawful use of a credit card such as a Social Security Card under 15 U.S. Code 1602 ( l ) by an organization or person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit constitutes unauthorized use pursuant to 15 U.S. Code 1602 ( p ). I understand that the fraudulent use of a credit card, by NAVY FEDERAL CREDIT UNION, is defined as whoever uses, attempts or conspires to use a card to obtain money, goods or services shall be fined for {$10000.00} or imprisoned for 10 years or both. This Promissory Note, as shown in EXHIBIT ( A ), is a consumer credit contract and as described in 16 CFR 433.1 ( i ) an instrument, and under UCC 3-104 ( a ) an instrument is a negotiable instrument and an unconditional promise to pay, no different than a dollar. I have reason to believe and do so believe this instrument constitutes payment under the negotiable instruments act and has fully paid for this transaction on the date of consummation. I entered into a consumer credit transaction with NAVY FEDERAL CREDIT UNION where a credit sale took place and a finance charge was imposed, where NAVY FEDERAL CREDIT UNION holds a security interest. Pursuant to 15 U.S. Code 1605 ( a ), the finance charge is the sum of all charges. NAVY FEDERAL CREDIT UNION did not clearly and conspicuously disclose the right to rescind this consumer credit contract, nor did I receive any clear or conspicuous verbal, written or video explanation on my right to rescind. This is my notice of Rescission of this consumer credit transaction due to fraud on behalf of NAVY FEDERAL CREDIT UNION. NAVY FEDERAL CREDIT UNION has been committing theft by deception and using unlawful extortionate means by furnishing false and deceptive forms. I am invoking my right of rescission in accordance with 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney which may have been used in connection with this transaction which includes any derivative, hypothecation, trades, transfers of possession, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to me. I was not given full disclosure of any such power of attorney until the discovery of its potential existence and demand a full revocation of such document ( s ) ; nunc pro tunc.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hello I have a very detailed attachment below, but I'll summarize it here. Basically, I applied for a credit limit increase and got denied by my credit card company, and that's violating my right by law. Navy Federal credit union denied my credit limit increase, I reached out to them multiple times and the representative stated it's their decision and etc, but did not acknowledge the part of being violating my consumer rights, so here we are. I attached their denial letter to this complaint. I also attached the letter I sent them as well below ; and sent it to the address below ; NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX, XXXX, VA XXXX Recently, I, XXXX XXXX XXXX was denied an extension of credit by NAVY FEDERAL CREDIT UNION XXXX On XX/XX/2021 for a credit card application/increase, I applied for a Credit limit increase on my current Cash Reward Credit card with Navy Federal . As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). NAVY FEDERAL has violated my federally protected consumer rights : 15 U.S Code 1642 15 U.S Code 1681M 12 CFR 1002 Since the letter, Navy Federal sent me dated XX/XX/2021 is both proof and evidence that I have been discriminated against, you are also criminally liable. NAVY FEDERAL CREDIT UNION should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX, XXXX XXXXWithout prejudice, all-natural inalienable rights reserved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Navy Federal Credit Union has continually held payments that Ive made to cause me to incur fees. For instance, Navy Federal held my XXXX payment for 5+ business days last month to the point that I had to call XXXX to have access to my credit card because the payment was held by NFCU so long. NFCU will hold payments and show payments as pending to try to order the payments smallest times largest and after a few days of holding the payment, it will clear for an earlier date than it was released. So with the XXXX payment of {$1500.00}, I made the payment on XX/XX/2022. It was pending until XX/XX/XXXX and when I went into my account on XX/XX/XXXX, my NFCU account said that the XXXX payment cleared on XX/XX/2022. But XXXX put an alert on my credit card so that Id have to call before using my credit card because NFCU had held paying them so long. The same has happened with my XXXX XXXX payment in XXXX and this month ( XXXX ). I transfer money from my NFCU business checking account to pay my bills. So I transferred {$700.00} from my NFCU business checking on XX/XX/2022 to my personal checking after which I paid my XXXX XXXX Payment in the amount of {$420.00}. When I went to my NFCU personal checking account on XX/XX/2022 around XXXX, I transferred the remaining balance of my personal checking account into my business checking account thinking that all my bills were paid. I awake today, XX/XX/2022 to discover that the XXXX XXXX payment that cleared during the morning on XX/XX/2022 was reversed and the {$85.00} donation to a church was instead paid ( which I admit I forgot about ). When I called the customer service line to confirm that the XXXX XXXX cleared and was paid on XX/XX/2022 I was told by the representative that it cleared as was paid- I think her name was XXXX XXXX I asked for a supervisor whom told me that the bank pays transactions smallest to largest! So my payment was apparently paid and reversed after I transferred the remaining balance of my personal checking account back to my business checking account in the afternoon on XX/XX/2022. NFCU held my transaction to cause me to incur a fee even though the money was available when it was originally cleared on the morning of XX/XX/2022 but reversed it after I transferred my remaining balance to my business checking account in the afternoon of XX/XX/2022. The transaction was apparently paid according to a bank representative that I spoke to around XXXX on XX/XX/2022 and then reversed by Navy Federal Credit Union when I transferred my remaining balance to my business checking. This has now cost me {$100.00} in fees! Ive incurred {$82.00} in fees from XXXX XXXX and a {$29.00} return check fee from XXXX XXXX!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call none stop stating I owe the 16,000 and desist has been issued
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Prior to XX/XX/XXXX I was told that I would be given funds sent to my Navy Federal Account from a friend. However, the friend was scamming me throughout the entire process. She had me move the money around from my account to her account. This made it look as though I was the scammer. Once, I figured it out, she already had a claim out against me as though I was the scammer. The claim was in her favor and I now owe Navy Federal 5,000 dollars. I had great relation with this bank. I have two credit cards that I intend to be consistent with. However, all accounts are now froze.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2021 I ordered a stove from XXXX that was never delivered and they tried to delivery me a dryer and I ordered a stove and they guy said he had wrong item and will delivery by tomorrow so he never did and XXXX had he came out so they so the was going to dispute it so I tried with my card holder twice with no response charge was XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72301
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My Account was charged XX/XX/2022 for {$79.00} from my bank Navy Federal Credit Union due to a child tax credit that Navy Federal Credited to my account without My Knowledge or Authorization months ago. I called my bank on this day to reverse this charge because I had no knowledge of this and it escalated to a supervisor which later told me she could not reverse the payment whether I had knowledge of it or not. This is Not Legal. This is Theft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/2022 I logged into my account to see that Navy Federal Credit Union has debited my account for the amounts of {$510.00} and {$82.00}. Upon discovery I called customer service to investigate and they proceeded to tell me it was due to a provisional credit that was given to me for my child tax credit due to my account being overdrawn. I informed the representative that I did not receive any such notice and did not sign/agree and/or authorize any provisional credit to my account due to the fact I have multiple direct deposits being deposited in my account. To me this is fraudulent activity on their part and now has placed me in a deeper debt than needed to be and I will not be able to pay my bills as I need to.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I previously filed a complaint with CFPA on Navy Federal. Navy Federal responded back saying they would make the process better and fulfill me with better service. They have not. I have been asked some questions twice and others XXXX times. It has taken over a month to try and get an appraisal. I was asked if l would accept an appraisal fee of XXXX something dollars. A typical appraisal where l live is {$350.00}. I accepted the high fee in hope of closing the mortgage before another hard inquiry ensued. I have just been informed the rate lock will expire XX/XX/XXXX and l may pay what ever market rate is. I first began the process of a mortgage with Navy Federal in XXXX of XXXX I view the mortgage division as a giant slow moving machine with many broken parts! My experience has been terribly frustrating. Implementation of the mortgage procedures has been grossly ineffective and grossly inefficient. I was hoping and expecting a better experience and outcome. Sadly this has not materialized and l am thinking of calling it quits in exasperation. I profusely regret my decision to use Navy Federal. I do not think the institution can fix anything at this point, being so badly of a broken mortgage company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 96001
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Navy Federal Credit union has placed unfair restrictions on my account for a credit card that was discharged in Bankruptcy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32909
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A