Date Received: 2023-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My name is XXXX XXXX XXXX XXXX, and I am writing to bring to your attention certain discrepancies and concerns regarding the information reported on my credit file. I believe that certain entries may not be certifiably compliant, proven valid, or adequately documented as fully true and physically verified. To assist you in addressing this matter promptly, I would like to provide you with specific details related to my account : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FTC XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have identified potentially duplicative and unquestionably dubious entries that lack the necessary authorization or approval from me as the individual concerned. As a conscientious consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), and I wish to exercise those rights by formally requesting the removal of these questionable entries as soon as possible. Under federal and state consumer and civil rights statutes, I am entitled to dispute and challenge any information on my credit report that is not in compliance with FACTA Title 1 Section 151. This particular section unambiguously mandates a specific modus operandi for reporting, and I seek your cooperation in ensuring that the reported items adhere to these legal standards. I understand the importance of accurate and fair reporting, and as a responsible consumer, I am committed to ensuring the integrity of my credit information. I kindly request that NAVY FEDERAL CR UNION conduct a thorough review of my account, validate the accuracy of the disputed entries, and take appropriate action to rectify any discrepancies. To facilitate this process, I have attached a copy of the FTC report related to this complaint for your reference. I appreciate your prompt attention to this matter and your cooperation in resolving these concerns within the framework of the Fair Credit Reporting Act. I trust that NAVY FEDERAL CR UNION will conduct a comprehensive investigation and make the necessary corrections to ensure the accuracy and compliance of the information on my credit file.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the Fair Credit Reporting Act as a federally protected consumer, I am opting out, rescinding of any and all authorization. I the consumer may have given you ; written and unwritten, verbal and non-verbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My daughter and I had a joint account with navy federal since she was a minor when the account was opened. In the summer my daughter went to college. She received an email from a university account about a job offer. My daughter assumed the job was legit since it came to her university email from another university email labeled the office of student success. Well it turns out it was a fishing email and my daughter was scammed out of {$950.00}. I gave Navy Federal a copy of the emails and police report. They said my daughter and I would have to pay back the money. Although I was frustrated we complied.Navy federal began to withdraw from my main checking account and took my daughter 's direct deposit in an effort to get back the money. I would even make small transfers to pay the money back. In the end the bank took the last {$400.00} out of my account without my permission and closed our joint account. My issue is how can the bank close the account even though they received their money. When I asked the representative she was nasty and said because they can. I would like my daughter 's account reopened. The account is no longer in the negative and it isn't my daughter 's fault she was scammed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My checking account had {$130.00} in it and someone fraudulently withdrew it around XX/XX/2023. I called Navy Federal Credit Union and they had me file a declaration of Forgery/Fraud and that they would then conduct an investigation and would give me no time line as to how long it would take. I submitted it on XX/XX/2023. It has been well over 2 months and I have not been contacted. When I called them to ask what is going on with it XX/XX/2023 a representative insisted I give him my card number and when I told him I did not have a card he hung up on me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98382
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: As a federally protected consumer, I would like to opt out per 15 USC 6802 of any written, non-written, verbal, nonverbal agreements that I may have authorized. Navy federal has breached contract agreements by sending my information to no affiliates such as transunion, XXXX, XXXX, XXXX XXXX, early warning services and more.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29316
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Re : XXXX XXXX Fraudulent personal loan taken out online in my name The total loss from savings account is {$4400.00}. Navy Federal Credit Union is holding me accountable for a loan I never received. Funds from my checking account were also involved. This all started from a phone call I received on Sunday XX/XX/XXXX. The number was spoofed and showed up as a Navy Fed Cu number ( he has the call log that shows this ). The scammer acted as if they were from the fraud department at Navy Fed Cu. They had access to my bank information from the beginning of the phone call. They started naming off several transactions that I had made with my checking account within the last month or so. All of them I had made except one. Even though I told them I had made the transactions, at that time they were doing online disputes for each one of the transactions. They told me I needed to send them three {$500.00} payments via XXXX XXXX ( I have the list of transactions for this as well ). These {$500.00} payments were the provisional credits that were given after the scammers did the online transaction disputes. During the phone call they asked me to log into my online bank account. I was locked out of it and could not access it. They then told me they needed the answers to my security questions so they could reset my password for me. Unfortunately, I gave them this information. I was then able to log back into my account. I then saw that my {$1000.00} & the fraudulent {$3400.00} loan was removed from my account & transferred to another member account by the name of XXXX XXXX. I have been to Navy Fed CU 3 different times and filed 3 different fraud reports all 3 being denied by the fraud dept for one reason or another. The first reason was because I gave the security passwords. But I was under the impression this was the actual bank since they already had access to my bank & transaction information. They had rattled off a list of my transactions before I ever gave them the security passwords. My first visit to the bank, I asked the bank associate who was XXXX XXXX. She stated that it was the scam account. She also stated that this is fairly common & happened to another bank associates bank account recently. The other 2 visits to the bank, I spoke w/the branch manager. They would not admit to this XXXX XXXX being a scam account. She would not give us any information since XXXX XXXX was not standing in front of her. She said my only recourse is to file the police report and have the detectives send a subpoena to get the information. On my 3rd visit to the bank, the branch manager said she cant understand why they keep denying my claims and that I might need to get an attorney. I understand that they could not recover the funds. But what I dont understand is how they are not able to tell if the XXXX XXXX XXXX a legitimate account holder or a fraud account that they allowed to be set up in their banking system. Since this supposed XXXX XXXX has an account set up in their system, they should be able to see when the funds were deposited into her account, how & when they were removed and if the account is in fact legitimate or scam. I understand that I voluntarily sent the three {$500.00} payments through XXXX XXXX, and this will be almost impossible for me to get back. Same with the loss of my own {$1000.00} from my savings account. What I dont want is to be held responsible for a {$3400.00} loan that I never received and can not afford to pay. Once you review this information, please tell me how to proceed forward. Thank you, we appreciate your effort in helping with this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92108
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy Federal Credit Union has been holding my funds and froze my account since XX/XX/2023. There was over {$120000.00} in my accounts and after calling them several times and several trips to the bank, i would get the run around. I was told on 5 separate occasions from the security deposit that I can go into the bank and get my funds, then when i arrive, they tell me my funds are not verified and can't release them. Than later they said they sent back about {$80000.00} of the funds to the company who sent me the money into my account in which the company who sent them said they didn't receive. Now they say my balance is {$45000.00} in which they can verify and when i spoke to a navy federal security specialist on XX/XX/2023, he assured me i can now go into the bank and get that money. I went 3 times to the bank and today was the last time XX/XX/XXXX, and they are saying the funds are also not available for withdrawal even though I have recorded conversations of them saying it was several times. This has affected my ability to live, eat, pay rent and im facing eviction because of this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navy Federal is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. Navy Federal has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: NFCU denied me an extension of my credits on XX/XX/XXXX I requested that they retract my application. They ignored my request. NFCU has denied many times XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and none this access to my securities was a benefit to me. However, NFCU accessed my securities yet denied me based on a inaccurate credit score reading from XXXX. I never got my consent to XXXX to report anything on my consumer report i report anything on my consumer report. Attached is my Adverse action letter and invoice sent to NFCU
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Tuesday, XX/XX/XXXX, at XXXXXXXX XXXX XXXX XXXX, I received an email from NFCU, alerting me to an unsuccessful external account registration attempt. Subsequently, upon checking my NFCU checking account ( Acct. # XXXX ), I discovered a significant reduction in my balance by {$9800.00}, attributed to unauthorized ACH transfers on the following dates : XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} XXXX. XX/XX/XXXX - ACH transfer of {$2400.00} I promptly reported the fraudulent transfers to NFCU at my local branch in XXXX, CA, where a customer service representative initiated a case with the fraud department. Concerned about the urgency, I emphasized the need for immediate reversal, especially given that the last two transfers occurred only one day prior. The representative assured me that my account would be closed and replaced while the fraud department investigates. Despite my efforts and cooperation, a letter dated XX/XX/XXXX from NFCU denied my claim, holding me responsible for the full amount. The denial lacked details or additional information. Following their advice, I submitted an NFCU Security Appeal form on XX/XX/XXXX, including information about the XXXX XXXX breach affecting me in XXXX, along with a police report ( Report # XXXX ) filed in XXXX XXXX XXXX However, my appeal was subsequently denied due to " lacking new information. '' Despite my pleas, NFCU refused to provide essential details about the transactions, stating they require a subpoena. Unfortunately, obtaining a subpoena is challenging, as NFCU 's headquarters is not in my state, and local authorities claim limited jurisdiction. Feeling left in the dark about the situation, I am seeking assistance to compel NFCU 's cooperation, potentially through filing a complaint. I urgently request your support in resolving this matter and appreciate your prompt attention.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 939XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A