Date Received: 2022-02-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022 Navy Federal Credit Union Closed my checking, savings, and credit card account after being a long term good standing account holder. I contacted NFCU and asked why my accounts were closed without any warning or reason given. After speaking with NFCU 'S security department I was given a timeframe of 10 business days to investigate and and resolve the issue of my closed accounts. The representative stated that someone opened a navy federal account using my similar personal information. 15 days later I contacted them still without any explanation as to reason why the accounts were closed and was given no real expected end or resolution to the situation. Since then I have waited and contacted the bank seeking updates and the status of their investigation with no luck, and no real answers. I no longer have access to my accounts and I am currently being charged interest on my credit card balance. I feel as though I am a victim of ID theft being punished as the thief. Guilty until proven innocent with no urgency to get the account reopened.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33055
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I called Navy Federal to report an unauthorized debit from XXXX XXXX. I am a Provider and receive payments from them several times per week. XXXX debited {$2600.00}. Before I called NF I spoke to several departments and supervisors at XXXX. They had no record that I owed any money and they did not see the debited funds under my Provider number, TIN, or bank account number. When I called NF I reported this to the rep including names, departments, and responses. She typed it up and sent it and said that it could take up to 10 days to process. I never heard from NF. I called again on 2/1 to ask what was the holdup. Another rep took my information down and sent a message to the back office and told me they would follow up within 24 hours. On XX/XX/XXXX I reported that another debit had been taken from my account. The rep stated an investigator would be assigned and it could take 10 days to follow up. I called again this morning and spoke to a supervisor in the fraud department who read a letter sent to me stating that they had reached out to XXXX and I should call the 1800 number. I explained again that I had spent over 4 hours talking to several people who could not tell me why the money was taken and they could not see the money had been taken. I also found a doc from XXXX that explains that funds are never debited from provider bank accounts and explains how overpayments are resolved. XXXX will leverage any overpayments against future payments. They never debit your account. I have been a provider with them for 5 years. Further, to date, I have not gotten a letter, request or any other correspondence from XXXX relating to the debit. As I stated there is NO record that the funds were taken from my account. I had to ask NF to put a stop payment in place to prevent future debits. That should have been done initially but NF never took the complaint seriously. I had to request they do it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32257
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of identity theft in the past and they are 4 accounts that are still reporting on my report and I need them remove. I have filed a police report and sent to the XXXX bureaus, however it still showing in some of them
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92614
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: Managing an account
Subissue: Banking errors
Consumer Complaint: The issue carge in question is : XX/XX/2022 XXXX Debit - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - {$1500.00} This is for my debit card ending in XXXX for checking account XXXX. Reason for dispute is credit not processed / order returned. The actual issue is that Navy Federal fails to process refunds for my charges when XXXX refunds me. I have emails from XXXX stating I was refunded. After weeks of no refund, I contact Navy Federal to do a chargeback. But they never initiate a chargeback and instead let it sit until it expires on their end. On XX/XX/2022, I placed order XXXX with XXXX XXXX XXXX was for an XXXX XXXX computer. I returned the order to XXXX on XX/XX/2022 via XXXX XXXX. I have an email from XXXX stating they have refunded me, but as of XX/XX/2022, no refund has been credited. XXXX states I was refunded, and Navy Federal fails to help in any way.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43614
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I reported a valid fraud claim to navy federal on XX/XX/22. After reporting the fraud on my acct I went use my debit card for a different navy federal acct only to find out my ALL of my debit cards were cut off. I called navy federal on XX/XX/22 to inquire about my debit cards only to find out they locked all of my cards for a year because of suspicions that I made possible fraudulent disputes or fraud claims. Navy federal never asked for any additional info for my claims nor additional correspondence to assist with my claims that they had in question. Navy federal assumed I was lying without allowing me the options to provide proof of otherwise. The rep at a local XXXX federal called me a liar about my fraud claims and even read off my P.I.I in public without my consent when I asked to speak with a XXXX. I was embarrassed as on lookers could hear my issue I was having with my account while speaking with XXXX at a XXXX, Tn location. I have a right to report fraud or even disputes on my accounts and to feel like I will be penalized for doing so is not right. This makes me scared to report possible future fraud or dispute charges with them. I have never had this experience with any other banks.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Recently I, XXXX XXXX, was denied an extension of credit card by Navy Federal Credit Union. On XXXX XXXX, 2022 I applied for a cashRewards XXXX in good faith 15 U.S C 1691 ( a ) ( 3 ). 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 assume civil liability pursuant 15 U.S Code 1691 ( K ). Navy Federal Credit Union has violated my federal protection consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76040
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX ( Collection Manager ) C/O Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Certified Mail/Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXXl ) XXXX XXXX Navy Federal Original Account Number? ) Subject : Navy Federal Credit Union Charged Off Go Rewards Account Debt Validation Letter Follow Up XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, This letter is in response to your letter dated XX/XX/XXXX. Secondly, it is in response to my most recent conversation with XXXX XXXX, on the XXXX of XX/XX/XXXX. In my letter dated the XXXX of XX/XX/XXXX, I disputed the alleged debt of {$8100.00} that you are attempting to collect. Additionally, I requested verification of the alleged debt, pursuant to my rights under the FDCPA. I am within my rights of requesting a verification request under the FDCPA. I requested a copy of the account history in total including, a copy of the signed contract. I requested that you cease and desist all collection activity, including credit reporting. I requested that you delete any and all reporting made to any consumer reporting agency. Furthermore, I requested a returned signature on the letter I submitted negotiating Pay to Delete should the account be actually mine. I requested a statement, outlining the one time payment due, in order to reconcile the account, in order to close this matter permanently with XXXX XXXX XXXX Navy Federal Credit Union. It has not been received to date. I requested that you delete any and all reporting made to any consumer credit reporting agency. At this time, I am requesting you communicate to Navy Federal Credit Union to consider entering into contract along with your company a Pay to Delete contract for the one time payment of {$3200.00} only, if the account is validated and accurate. A clear failure to address my very specific previous legal requests were not honored therefore, it appears a clear violation of the FDCPA has taken place. RE : Alleged ( Navy Federal Credit Union ) Alleged Original Credit Account Number ( XXXX XXXX XXXX XXXX? ) Debt Collectors Account Number ( XXXX ) Alleged Debt Amount on Balance ( {$8100.00} ) Firstly, it appears that you failed to obtain, provide, and forward a verification of the alleged debt by not mailing me a singed contract, including proof of ID. Instead of sending me a contract or agreement signed by all parties involved as requested, you mailed me a letter on your letter head, and included account statements for XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX. Please note, these statements dont even show transactions associated with the account in question. Why? I request every transaction on this account from the time it was opened until it was closed. This is not a contract or agreement. In my opinion your company was not responsive to my verification request. Under the FDCPA, it is unfair and even unconscionable, to attempt to collect an alleged debt in any amount that is not expressly authorized, by an agreement creating the debt or permitted by law. Also, my personal information was disclosed without my expressed written and/or verbal consent, or knowledge to a third party. Secondly, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Navy Federal Credit Union also failed in this manner. Under the FDCPA, it is false, deceptive, and misleading representations or means in connection with the collection of any debt to communicate to any person, including to any credit reporting agency, credit information that is know or which should be known to be false. Thirdly, due to the previously stated, Navy Federal Credit Union XXXX XXXX XXXX have caused me a significant amount of XXXX, XXXX XXXX, and financial hardship. I am requesting you once again verify this debt in its entirety. I want to see my signature. I need it because I know its a forgery. Lastly, I have reason to believe this account was opened by my father, under false pretense. I pursued a guardianship based on medical direction, from my fathers psychiatrist. The guardianship was approved however, a year later it was transferred to a court appointed professional guardian. Her name is XXXX XXXX. I had no choice. It was to much for me and my health. My father was caught using, impersonating and forging my name, social security number, birthdate, and other personal information, to shift monies from the guardianship account, to other unknown accounts, that I was not aware of nor could locate. Please note, its not the first time. A significant history has been established of this behavior prior to the guardianship. A few years after the transfer, the guardianship was lifted. XXXX XXXX and her accomplices were found guilty of a multitude of crimes. The estates of her Wards were liquidated and stolen, out of pure greed. My father being one of many victims. My father blamed me for what had happened. Everything he worked for, gone. We have not been able to recover any of his belongings. It appears he was retaliating against me based on what happened and more importantly, what he lost. A lifetimes worth of work, lost forever. Enclosed is a copy of XXXX XXXX old business card, and an article relating to what I have communicated to you. I included a copy of XXXX state officials who spoke to me on numerous occasions, after my father maliciously accused me of elder abuse and fraud. Its another reason why the guardianship was transferred however, and more importantly, it was in my fathers best interest, due to his illnesses. I included a copy of the Indictment where my father is referenced on page XXXX. Finally, I included a copy of my fathers death certificate. P.S. Its in Navy Federal Credit Unions best interest, as well as XXXX XXXX to remove this account in its entirety off my credit report, from all three credit reporting agencies. If you continue to pursue me for this debt, I will address my concerns with those involved with my fathers Guardianship case. I will request it be investigated. Very Respectfully, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau via XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Hello I am reporting an issue I am having with my bank. Navy Federal Credit Union. When all of this is over I will be leaving them because its been stressful talking to them and Ive never been through so much with a bank. So I had a situation where I was scammed out of {$410.00} at a repair shop called XXXX XXXX. ( This complaint is toward them as well if they can be included. ) I took my car to them on XX/XX/XXXX because my engine light came on. I took it to the local XXXX XXXX to get a diagnostic test before dropping off my car so I know whats wrong with it for myself. They gave me a list of codes. I called the repair shop and asked them to fix the problem which was a fuel leak. They agreed and I drop the car off for repairs. I have a XXXX XXXX XXXX. I go get my car and the engine light is off. I take the car home and after about 5 miles the engine light is back on. So the following Saturday I took it back to the shop because my car was not repaired. Me and the owner exchanged words I advised him that since they took my money and didnt fix my car they would be hearing from my bank and he said okay thats fine and asked me not to come back into his shop. The Saturday I left the car they held it for hours to call me back and say they cant fix it! Reached out to the bank that following week to do a dispute. Its XX/XX/XXXX and they have already closed my dispute. They asked me to get the car fixed correctly to help my case. I ask for time to do so the bank is telling me no and they will be taking the credit from me on the XXXX. I was only asking for time because I have to get my taxes first being that I dont have the money to fix a fuel leak on a XXXX at this time. I just started a new job making less money than I ever made after losing my job during the pandemic. Its like they dont want to work with me when Im the customer. When I first did the dispute I turned in receipts I turned in Invoices, I turned in whats wrong with my car, pics of my engine light being on, pics from XXXX XXXX diagnostic test as well and they are still closing my dispute!! Its very unfair when Ive never been a problem as a customer since Ive been with them .. they gave the merchant 4 months to respond to my dispute but wont give me time to get the car corrected to help my claim.. I even took the car to a shop and they told me that the prior shop only cut my engine light off and that they never repaired my car. They was able to look at my car and tell that it hadnt been repaired. Im not going to Lie Im going to be very honest Im broke. Im going through financial trouble due to the setback after the pandemic.. I went from making over XXXX an year plus small businesses I had going to now Im only making {$15.00} an hour at a doctors office. Im a honest woman if you look at my accounts I pay my tithes faithfully .. all Im asking my bank for is time cause XXXX dont have money no more. The repairs for my car for a shop to really fix it is about XXXX that I do not have until I get my income taxes and Ive explained this to my bank its like no we not working with you! Thats not fair to me as a customer! I just want time to fix my car! Please help me!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Received a notice from company they they removed funds from a savings account and put it towards an account that is currently being disputed without my authorization. this is a clear violation of my rights as a consumer. This a clear stall tactic used to re age an account to extend the time allotted to remain on an already disputed consumer report.this comes off as fraud seeing as I did not authorize such activity on my account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I was recently scammed on XXXX while using my navy fed credit card, XXXX was no help to me so I reached out to my bank. they started a dispute and this morning said they needed more evidence. so I called navy fed, asked what all they needed to help them come to a conclusion. the lady told me she needed a few things which I submitted and she said the she had received it and that it was perfect. " exactly what they needed ''. I even told her if they needed anything else to just reach out to me. then I get an email a few hours later saying that my case was closed due to a lack of evidence. it just seemed very lazy, instead of reaching out they just close the case and hope I will go away.. even when the lady told me that was all I would need to receive my money back. I gave them everything, every email between me and the seller, the invoice, the tracking number. all the proof any human with a high school education would need to see that I got scammed. but somehow it still wasn't good enough. when I called they told me to appeal it but it would most likely be denied. what more information could have I possibly provided to them? they have literally every single detail about this incident. oh, it was for {$1200.00} in case whoever is reading this thinks I'm complaining about a few dollars.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70460
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A