Date Received: 2023-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I would like to take my money back from my SAVING ACCOUNT more than 10months but the bank refusing to do that.I called them visited to their location a lot of times to solve this problem I provided all my personal information to them so they can verify my indentity and give me my money but they are refusing to do that.Last time they told me that my account is frozen and they can't give me my funds back only security departpment can unfreeze my account so after that they can give me my funds back.I called 100 times to their security department every time waiting time is more then 2 hours and no respond.please help me to solve this problem. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92344
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: XXXX Complaint was put in and no response from Navy Federal Credit Union they has taken negative action without responding to the consumer complaints which is another violation. Company keeps changing names on responding to XXXX XXXX, when no such person exists. They are operating deceptively and causing injury. SEE COPYRIGHT this has been a XXXX sided relationship. I have received no benefit for the use of my name and information which is fraud. I asked that all following communications as required ( mandatory ) pursuant to 18 U.S. Code 1342- Fictitious name or address, as in my ( proper person name ) that identify me as a ( proper noun ) i.e. as a ( natural person ), and NOT a Fictitious entity. WARNING : 18 U.S. Code MAIL FRAUD!!! 18 U.S. Code 1342- Fictitious name or address Whoever, for the purpose of conducting, promoting or carrying on by means of the Postal Service, any scheme or device mentioned in section XXXX of this title or any other unlawful business, uses or assumes, or requests to be addressed by, any fictitious, false, or assumed title, name, or address or name other than his own proper name, or takes or receives from any post office or authorized depository of mail matter, any letter, postal card,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Navy Federal Credit Union is insured under the National Credit Union Administration for up to XXXX on each members deposit account so my account is insured for XXXX yet Navy Federal Credit Union has charged me 6 insufficient fund fee which are {$29.00} for each one. This is ILLEGAL as Navy Federal Credit Union did NOT take a loss due to my account being protected with insurance. Navy Federal Credit Union is not only keeping the insurance for my account but the interest payments as well for each deposit so I can not be charged when Navy Federal Credit Union is already keeping ALL the proceeds as the custodian over my account. Custodial Accounts The combined balances in a minors custodial account ( an account established under the provision of the Uniform Transfers to Minors Act ) are insured separately from funds the minor or custodian has in other Navy Federal accounts, and receive separate insurance coverage for up to {$250000.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had called the credit card department several times arranging a payment arrangement they advised they can set it up for XXXX they said they deleted all the prior payments but did not infact the debited me on the wrong month to start my payments. I was in good faith they advised as long as. I keep this payment arrangement my account starting in XXXX would not be written off today I got an alert that my account was written off after Navy Federal assured me this would not happen the collections dept advised they put in the notes and I was fine so I trusted them on what they advised this was not the case and now my account had been written off Navy Federal did not send a letter of confirmation every time I would call no one remembers what they said nor are they accurate on assisting what they promised I only want my account to be put in good standing as they advised on several calls that I was ok and not to worry
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Im XXXX yrs old and I was trying to help my kids financially. They thought my kids were taking advantage of me so they locked up my account and sent APS to my sons house where I live. We live far away from Navy Federal Credit Union so I cant go into a branch. My daughter in-law has tried to send what they are requesting in writing through fax, text and emails but they keep saying they arent receiving them. We only have our phones and laptop to work with and not that bright when it comes to a computer. Can you help us I have attempted to send these files to them 10 times from XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 991XX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I am writing to formally dispute and bring to your immediate attention a significant inaccuracy that I have identified in my credit report, as provided by your agency. The discrepancy pertains to the reporting of outdated information related to the following closed credit card accounts : Account 1 : Creditor Name : XXXX XXXX XXXX Account Type : Credit Card Status : PAID Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Limit : {$2800.00} Last Reported : XXXX XXXX, XXXX Account 2 : Creditor Name : XXXX XXXX Account Type : Credit Card Status : PAID Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Limit : {$22000.00} Last Reported : XX/XX/XXXX The reporting of these closed accounts with outdated information is not only misleading but also damaging to my creditworthiness. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and up-to-date reporting of my credit history. I kindly request an immediate and thorough investigation into the following discrepancies : Outdated Last Reported Date : The last reported date for both accounts is outdated and does not accurately reflect the current status of these accounts. The information has not been updated since XXXX XXXX, XXXX, and XX/XX/XXXX, respectively. I request that you investigate these discrepancies promptly, verify the accuracy of the information with the relevant creditors and furnishers, and correct any inaccuracies found during your investigation. Additionally, I request that you provide me with a copy of the corrected credit report once the investigation is complete. I have enclosed copies of the relevant portions of my credit report, highlighting the discrepancies for your reference. Please consider the supporting documentation attached. I am confident that your immediate attention to this matter will lead to the necessary corrections, ensuring that my credit report accurately reflects my current financial history. I anticipate receiving a written response outlining the results of your investigation and the actions taken to rectify these inaccuracies. Thank you for your prompt attention to this urgent matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92123
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have made several attempts to resolve this blatant defamation and violation of the FCRA by reporting and continue to accuse me of being responsible for these accounts. I have made my final attempt to resolve this fraudulent account by mail in XX/XX/2023 and till this date has not been properly investigated and removed from my credit. I spoke with someone at XXXX XXXX 's security dept. in XX/XX/2023 whom indicated that I would be getting a call back with in 48hrs which hasn't happened yet. These accounts are fraudulent and reporting on my credit as accurate and I have filed a police report as well, there was a suspect by the name of XXXX XXXX whom defrauded me and was arrested and has already pled guilty and convicted. I sent via priority mail the minute order by the courts disposition along with the district attorney 's business card to verify the fraud and my claim. I also sent a copy of the police report by mail which should have properly relieved me from the debt due to identity theft all to which XXXX XXXX has failed to properly investigate. This is my final attempt to resolve this debt amicably prior to seeking legal damages for neglect and defamation. Attached to this complaint I will be resending the exact same documents that I previously submitted via priority mail and hope that it lands in the hands of someone competent enough to properly investigate this fraudulent charged off debt and have it removed, as I was instructed to do so by the Dept. of Banking and Finance State Bank Regulators and National Association of Attorney General 's office.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to 15 USC 1681 {$600.00} of the Fair Credit Reporting Act " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. '' ( Furnisher of information to credit agencies ) is a consumer reporting agency and I am the Consumer. I invoke my right to to ensure my private information IS NOT shared as backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution as defined under that title 15 USC 1681 {$600.00} sec. 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Additionally, these companies that furnish information to credit agencies, financial institutions and the Consumer reporting agencies XXXX, XXXX and XXXX DO NOT have my consent to furnish this information and they surely DO NOT have my written consent. Any and all consent to XXXX, XXXX XXXX, ( Furnishers of information to credit reporting agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnishers of information to credit reporting agencies ) never informed me of my right to exercise my nondisclosure option. Not only that, 15 SUC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. According to, 15 USC 1681 s-2 ( A ) ( 1 ) A is states " A persons shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also, 15 USC 1681 e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: " According to the Fair CreditReportingAct 15 USC1681 section 602 a states '' There is a need to insurethat consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and arespect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies andI am the consumer. I have the right tomake sure my private information isn't shared which is backed by 15 USC6801 which states '' It is the policy ofthe congress that each financial institution has an affirmative and continuing obligation to respect theprivacy of its customers and to protect the security and confidentiality of those customersnonpublic personalinformation. '' ( Furnisher of informationto credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section2 states that " In general subject tosubsection ( c ), any consumer reporting agency may furnish aconsumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely donot have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher ofinformation to credit agencies ) whetherit beverbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise thatnon-disclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my non-disclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorizedunder subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report bymore than seven years. '' This account is an adverse item theyare reporting again without my permission which is against the law. 15 U.S.Code 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c ofthis title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' Aconsumer may exercise the right to opt out atany time. '' I am opting outof your reporting services.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There were XXXX transactions that added up to {$150.00} in total in fraud. The company found it as not fraud. But I would like to appeal it. I also would like to appeal the many unreturned checks on my account. There are many {$29.00} charges on my account from transactions I didn't authorized.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A