Date Received: 2022-02-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had an account with Navy Federal and opened a companion account for my daughter who was underage at the time. I basically used that account to send her money. When she became of age and went to college, she started working as well. She used her account as her primary account and had her checks direct deposited into the account. In 2016 someone got a check from someone and deposited the check through the ATM. At this point, the manager of the XXXX branch claimed she came in to the branch and got cash from the check. How this happened, I to this day do not understand when you need ID to cash a check. The amount was over {$2000.00} and my daughter did not have that amount in her account. I tried to fight this, but the branch manager stated that he called my daughter and she said that she did this and she accepted responsibility for the debt. This was a lie, because my daughter was in North Carolina at that time with me. After this, I was upset, but I didn't close my account because it was the only bank account that I had. About 1 year later, my paycheck was deposited into my account and it was confiscated by the bank. When I called to find out what was going on, I was told that because my daughter didn't pay the debt, they were taking my money to pay this debt. I had no prior knowledge of them doing this and had to call them to find out that it had even happened. After this, I stopped my direct deposit and let the account close. My daughter filed for bankruptcy and had the debt charged off. After her bankruptcy, I contacted Navy Federal again and was allowed to open another account. After depositing money into the account, I was trying to use the funds in my account and was unable to do so. I had to contact them to find out that they had placed restrictions on my account again without notifying me. I was told that because my daughter filed for bankruptcy and discharged the debt, that I was still liable for the debt plus interest and it didn't take into account the money that they took from me before.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account was compromised and cleaned out XX/XX/22. I have been in constant contact with XXXX XXXX to rectify the problem. I have been hung up on and placed on hold until the call disconnects multiple times with no answers as to whats going on with my account. I can not pay any bills because of this and they will not provide any information
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Navy Federal Credit Union has reported a fraudulent account on my credit reports. I have contacted them several times once I discovered these active accounts. They years later are on my credit report even though I have disputed them several times. XXXX, XXXX, and XXXX refuse to remove them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navy Federal Credit Union, I have read the documentary evidence ( my consumer report with XXXX, XXXX, and XXXX ) and I conclude that you are in using deceptive, abusive, and unfair debt collection practice against me a consumer/natural person. Your companies abusive and debt collection practices have contributed to number of personal bankruptcies, loss of job and the invasion of individuals privacy, I am sure. XXXX has established laws and procedures for redressing these injuries, but they are inadequate to protect consumers. As most financial institution your abusive debt collection practices are carried on to a substantial extent in the interstate commerce and through means and instrumentalities of such commerce. Even when your abusive debt collection practices are purely intrastate in character, they nevertheless directly effect interstate commerce. And that alone shows a direct willingness on your part to injure consumers, knowing XXXX has clearly directed you not to do so, through the Fair Debt Collection Practices Act, Fair Credit Reporting Act and Truth in Lending. All of which XXXX violated, and by doing so youve injured me the consumer. At this current time Navy Federal Credit Union, you appear on my consumer report as a approved extension of credit which is a violation of the Fair Credit Reporting Act. According to XXXX XXXX. XXXX ( XXXX ) ( XXXX ) ( XXXX ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, is to be excluded from a consumer report/my consumer report. Remove Navy Federal Credit Union immediately You are also in direct violation of the Fair Debt Collection Practices Act, XXXX XXXX XXXX ( XXXX ). You are a debt collector, trying to collect an alleged debt, so you may not communicate with any person other than me the consumer, that includes XXXX, XXXX and XXXX, also you may never state that, I, the consumer owes any debt. Remove Navy Federal Credit Union immediately. Also, according to the XXXX, as a debt collector you must have my direct consent or the expressed written permission of a court of competent jurisdiction to communicate with me regarding any debt ( alleged ). You may not ever communicate with third parties, that includes XXXX XXXX, XXXX and XXXX, instructed in XXXX XXXX XXXX. a debt collector may not communicate in connection with the collection of any debt, with anyone other than the consumer, thats in accordance with XXXX XXXX XXXX ( XXXX ) Communication with Third Parties. By reporting to consumer reporting agencies without my direct permission or a federal court you are advertising or the sell of a debt to coerce payment. As a debt collector if your trying to engage in any conduct and the natural consequence of which is to harass, oppress, or abuse me in connection with any debt that is wrong, according to XXXX XXXX XXXX ( XXXX ) ( XXXX ) Harassment and Abuse. Lastly, to furnish a consumer report, you must again have the permission of a court with jurisdiction in this matter, which I am positive you dont. Since you dont have that, Im positive you dont have my permission to furnish a consumer report. So according to the XXXX, XXXX XXXX XXXX ( XXXX ) Permissible Purposes of report, you must follow the written instructions of the consumer to whom it relates which would be me. Remove yourself, Navy Federal Credit Union from my consumer report immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: 60411
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and I am requesting for Navy Federal Credit Union to remove and delete these fraudulent accounts from my XXXX and XXXX Credit files immediately I did not benefits from any goods or services of these fraudulent accounts. Someone opened up these fraudulent accounts in my name without my consent. Because the information you are reporting is the result of identity theft, and does not reflect my activities, I am requesting that you stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I have attached a copy of my police report to this correspondence. Please delete and remove these fraudulent accounts from my XXXX and XXXX credit files immediately or legal actions will be taken against Navy Federal Credit Union : 1. NAVY FEDERAL CR UNION Account number : # XXXX Balance : {$1100.00} Date opened : XX/XX/2016 2. NAVY FEDERAL CR UNION Account number # : XXXX Date opened : XX/XX/2016 Balance : {$5200.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: UNAUTHORIZED INQUIRIES ON MY XXXX CREDIT REPORT : XXXX XXXX XXXX - XX/XX/XXXX Could Not Contact Navy FCU - XX/XX/XXXX Could Not Contact XXXX XXXX XXXX - XX/XX/XXXX Could Not Contact XXXX XXXX - XX/XX/XXXX Could Not Contact I have an open complaint case ( # XXXX ) with XXXX Credit Bureau as of XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77354
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My identity was stolen and credit cards were taken out in my name from navy Federal and wells fargo. A XXXX account was opened in my name and someone tried to open a new checking account through my existing XXXX XXXX XXXX account. The navy Federal card was used. This has effected my credit score. Multiple hard inquiries were done on my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32025
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My navy federal account was hacked through a phished email, immediately called the fraud department and reported the hacking and told them the pending deposited check was not deposited by me, they stated theyd freeze my account and cancel the deposit. They never canceled the deposit, it went into my account and I spent it, got a call that I owed due to the fraud check, I repaid the money back and a few days later my account was placed on a level nine hold, I could no longer use my debit card, atms etc. navy federal also provided me with a copy of the check that was clearly not signed nor endorsed by me, also stated that they could see my account was hacked by someone in XXXX and refused to unlock and reinstate my account. Further more they also placed a false negative consumer report about me and has made it so that I can not open any bank account making life difficult
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX XXXX, XXXX. Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama [ XXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX TESTIMONY IN THE FORM OF AN AFFIDAVIT OF FACT Consumer Enforcement as Administrative Counter-Claim by Private Right of Action Re : Account number XXXX XXXX XXXX 8621 Notice, it is a Fact, I AM a federally protected consumer/natural person and holder in due course pursuant to 16 CFR 433.1, 15 U.S. Code 1692a ( 3 ), UCC 1-201 ( 11 ), and UCC 3-306. Notice, it is a Fact, in accordance with 16 C.F.R. 433.3 Navy Federal is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as the affiant, may invoke his rights as the debtor in this consumer credit contract against Navy Federal for the unfair and deceptive practices herein as no contract after the date of XX/XX/XXXX, is exempt from 16 C.F.R. 433.3. Notice, it is a Fact, I AM aware, Navy Federal can not and shall not restrict nor limit nor cause any disruption of any manner of the account in question pursuant 12 CFR 1026.13d ( XXXX ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( XXXX ) for failure to comply with any of the requirements of this section. Notice, it is a Fact, the account in question was opened in XX/XX/XXXX, with, Navy Federal, using my personal identification and credit card information as defined in 15 U.S.C. 1602 ( l ). Notice, it is a Fact, an account pursuant 12 CFR 1002.2 ( a ) means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit. Notice, it is a Fact, since opening the account in question in XXXX of XXXX, I have paid a monthly bill to Navy Federal, online, using my personal debit card information. Notice, it is a Fact, according to 15 U.S. Code 1692 Congressional findings and declaration of purpose ( a ) ABUSIVE PRACTICES There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. Notice, it is a Fact, on the remittance statement for the month of XX/XX/XXXX, I made a qualified endorsement on the back of the instrument and tendered it for payment. ( See Exhibit A ) Notice, it is a Fact, the instrument was received and processed for the minimum payment due, not for the amount specified in the box for Amount Enclosed. Navy Federal is in violation of an adverse action according to 15 U.S. Code 1681a ( k ) ( XXXX ) ( iv ) ( XXXX ). Notice, it is a Fact, I tendered payment the same way for the month of XX/XX/XXXX, sent by certified mail. ( See Exhibit B ) Notice, it is a Fact, when I called to check to see if the instrument had made it to the processing department, the woman I spoke with in the credit card department said they never received the instrument. A couple of days later, Navy Federal froze my account. I could not access my credit card account until I made a payment from me checking account. ( See Exhibit C ) Navy Federal is in violation of an adverse action according to 15 U.S. Code 1681a ( k ) ( 1 ) ( iv ) ( II ). Notice, it is a Fact, I made three copies of the remittance statement for the month of XX/XX/XXXX, that was sent by certified mail. I mailed a copy to the processing center, the CFO, and the registered agent in Alabama. ( See Exhibit D ) Notice, it is a Fact, Navy Federal is in violation of the Stamp Duties Act because I included a stamp on the instrument, making me the postmaster of the instrument. ( See Exhibit D ) Notice, it is a Fact, I received all three Domestic Return Receipts showing each copy was delivered to its intended recipients. ( See Exhibits E, F, and G ) Notice, it is a Fact, on XX/XX/XXXX, the due date, I called to see if the processing center had received the instrument mailed to them. The man I spoke with said they had not. A few days after the XXXX, Navy Federal once again froze my account. The credit card account is still froze. ( See Exhibit H ). Notice, it is a Fact, in XXXX, the CFPB Orders Navy Federal Credit Union to Pay {$28.00} Million for Improper Debt Collection Actions. Credit Union Used False Threats to Collect Debts and Placed Unfair Restrictions on Account Access. ( See Exhibit I ) Notice, it is a Fact, I included a copy of the CFPBs judgment against Navy Federal with each of the instruments mailed to the processing center, the CFO, and the registered agent, letting them know I AM aware of their unfair debt collection practices. Navy Federal still froze my account. Notice, it is a Fact, Navy Federal Credit Union is still violating the Consent Order issued by the CFPB filed on XX/XX/XXXX. Notice, it is a Fact, Navy Federal Credit Union is still illegally freezing members access to their accounts. Notice, it is a Fact, affiant has reason to believe and does so believe, Navy Federal has been participating in racketeering activity as defined in 18 U.S. Code 1961, by knowingly, intentionally, with forethought and malice have been sending dividends but, in fact, making the affiant believe that dividends were an invoice for a line of credit, which is embezzlement, theft by deception and extortion. Notice, it is a Fact, affiant has reason to believe and does so believe, Navy Federal is in violation of 18 U.S. Code 1341 by knowingly participating in fraud through the US Mail. Notice, it is a Fact, affiant has reason to believe and does so believe, Navy Federal is in violation of 15 U.S. Code 1692e ( 2 ) ( a ). I could not legally define this symbol, . The amount on the statement is positive amount. How can I pay on a positive amount? Notice, it is a Fact, affiant has reason to believe and does so believe, as a federally protected consumer, I do not owe the alleged debt. Notice, it is a Fact, affiant has reason to believe and does so believe that all past, present, and future billing statements received from Navy Federal are billing errors under 12 CFR 1026.13 ( a ), beginning with the date the account was opened, XX/XX/XXXX. Notice, it is a Fact, I AM aware, with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on all past, present, and future amounts in dispute pursuant to Title 15 U.S. Code 1666 ( e ). Notice, it is a Fact, Navy Federal shall follow the following procedures as defined pursuant 12 CFR 1026.13 ( e ) : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from XXXX of XXXX, current, and future payments. Notice, it is a Fact, when a financial institution extends credit, for a credit card or a mortgage, it is the costumers credit, not theirs. Financial institutions do not loan their customers ' deposits, or their institutions reserves. Instead, they record the customers credit as a financial institutions liability on the private side of the ledger ( which is hidden ), and as a financial institutions asset on the public side of the ledger ( which is visible ). Notice, it is a Fact, the customer 's signature on a promissory note is what creates the credit by providing commercial energy. The financial institution issues the line of credit in exchange for the customer 's valuable promissory note. The promissory note represents the commercial energy of a living man or woman, which is an asset to the financial institution, and to the market. Notice, it is a Fact, A promissory note is an asset created by a man/woman, and this asset can be sold and traded. Notice, it is a Fact, the costumers promissory note is really a security purchased by the financial institution, which then has an accounts payable liability that it pretends is a loan. The costumer is the creditor. The financial institution is the debtor. Notice, it is a Fact, On the credit card application, the costumers signature transfers his/her intellectual property to the financial institution, so that the note can be securitized and hypothecated on the market. The costumers property includes his/her power of attorney, which is also surrendered, allowing the financial institution to access, and trade on, the Birth Certificate Security Bond issued when he/she was born. The Birth Certificate Bond is issued in the NAME of an Estate Trust. Notice, it is a Fact, A living man or woman is a Grantor/Beneficiary/Heir/Agent/Executor to the NAME Estate Trust. But when he/she surrender his/her power of attorney they lose their living standing, becoming liable as a Trustee/Debtor for the NAME Estate Trust, which is surety for the corporate National Debt. The financial institution can now access the Birth Certificate Security Bond. No one signs for the financial institution because it is a Trust agreement, not a contract. Notice, it is a Fact, financial institutions do not use Generally Accepted Accounting Principles ( GAAP ), the standard framework of guidelines for financial accounting. Instead, financial institutions use a double entry system that accounts for both creditor assets, and debtor liabilities. Notice, it is a Fact, when we look at both sides of the ledger, we can see that men and women are creditors, not debtors. The costumer loans the financial institution his/her credit, and they multiply it in several ways. Financial institutions really do extend credit, but it's the costumers credit that is extended for the financial institutions benefit. The costumer is shown only the side of the ledger that records him/her as a debtor, while the side of the ledger that records him/her as a creditor is hidden. Notice, it is a Fact, On the financial institutions asset side of the ledger, publicly visible, showing accounts receivable, the costumer is the debtor, and the financial institution is the creditor, while on the financial institutions liability side of the ledger, privately hidden, showing accounts payable, the costumer is the creditor, and the financial institution is the debtor. Notice, it is a Fact, A presentment is a written demand for payment, or for a performance. Presentments addressed to the artificial legal person NAME, are often in all-capital-letters and/or with a fictional title such as Mr. or Mrs.. They are not addressed to a living man or woman. Notice, it is a Fact, in the United States Styles Manual it says that a name in ALL CAPITAL LETTERS is either an acronym, the name of a corporation, or the name of a trust. Notice, it is a Fact, as a living man, I AM the rightful controlling Agent, Beneficiary, Executor for XXXX XXXX XXXX, TRUST. I AM not the liable Trustee. Notice, it is a Fact, when I filled out the credit card application with Navy Federal Credit Union, I had to provide my personal/private data, which included my Social Security Account Number. The Social Security XXXXrust Account Number gave Navy Federal Credit Union access to the Trust account, making them the Trustee with a fiduciary obligation to me as the Beneficiary. Notice, it is a Fact, financial institutions are prohibited from loaning money or credit according to 12 CFR Part 1026 - TRUTH IN LENDING ( REGULATION Z ) Notice, it is a Fact, financial institutions can not loan other depositors money because of the matching principle under GAAP. Notice, it is a Fact, financial institutions can not loan out nor risk any of their own assets because of Federal Reserve regulations. Notice, it is a Fact, in order to accept a credit application or promissory note, financial institutions must convert the costumers note into a check and give it back to him/her. Only they can do this because they have a monopoly on Negotiable Instruments. Notice, it is a Fact, the funding for a credit card comes from the costumers agreement to open the card. The costumers initial promise to pay, is the payment. It is a Promissory Note/Negotiable Instrument. I declare under penalty of perjury without the United States ( 28 U.S.C 1746 ) that the Above is the Truth, The Whole Truth and Nothing but the Truth to the best of my knowledge and Overstanding.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I made a dispute against XXXX ( moving and storage company ) for overcharging me and just charging my card without my consent, roughly {$6200.00} with Navy Federal Credit Union. XXXX had my credit card on file and would just charge it what ever they wanted to. They had all my worldly possessions in a XXXX unit so I couldn't cancel the credit card or they wouldn't give me my stuff back. The charges do not match the quote I was given by XXXX Last week the dispute was dropped by my bank Navy Federal and I was told XXXX produced documents proving I signed for the services so I asked for copies of the documents my bank was sent from XXXX I was sent via secure messaging a contract XXXX sent the bank. The problem is this contract is not singed by anyone and the bank accepted this as evidence that I agreed to the charges. A couple of days ago, per the fraud department customer service rep I asked to reopen this dispute and asked for an appeal because he even said this look fishy and I was sent a secure message by the bank refusing to reopen the case or appeal it. This is why I'm filing this complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A