Date Received: 2023-12-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: on XX/XX/XXXX an application was extended on behalf of the principal and was discriminated against. i gave them notice of who i was and what i needed them to do. i showed them that they were in violation of my right to credit and they still would not extend my credits. This is discrimination and security fraud. i have given them notice over eight times for a whole month about there misconduct to know a vale. this act of dishonor is hindering me personally and my household.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 123XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Money was not available when promised
Subissue:
Consumer Complaint: About XXXX weeks ago Navy Federal had taken all my money out my account because of fraud. I didnt know about it until XXXX after when I tried to pay my rent. I called them and told them that I was aware about every transaction before them taking all my money. They have promised and said I would have all my money back by a certain day and still havent received all my funds. Tried to deposit money but they had still took money out and still havent received {$300.00} that I deposited
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: disputed two fraud claims with them. XX/XX/XXXX and XX/XX/XXXX. one for XXXX first one was from XXXX and the other for {$320.00} from an atm withdrawal totaling XXXX they claimed there was no fraud on either but never even investigated it or given me a provisional credit. meanwhile i appealed the first one they closed it same day then sent me a letter claiming since i said i didnt authorize the charges. they sent me a letter claiming to close my debit card. due to me reporting that my account had fraudulent activity and they did nothing
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 13090
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In the beginning of the year I contacted XXXX, which is a debt collector company that took over debt from Navy Federal ( confirmed with them ). I paid off the card with XXXX. I received another letter from a different company, XXXX XXXX XXXX XXXX, showing that it was not paid. I spoke to XXXX, and then XXXX XXXX and XXXX at Navy Federal Credit Union. Each person was rude and condescending. XXXX XXXX hung up in my face. I am grateful I got XXXX who listened, yet she was in the actual credit card Dept and had to transfer me. This HAS to be resolved. I have paid the money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 afternoon, during my field training, I received a phone call from Navy Federal Credit Union that has the exact same number as the one showing on the back of my debit card. After picking up the call, I was greeted by a female representative and was told that there has been suspected fraud thats going on in my account worth {$500.00}. I was asked to verify my identity ( name, date of birth, last 4 digit of social security ) in which I was not surprised as it was the bank calling. After they were able to verify my information, I was then transferred to the fraud agency department to file a claim and to possibly get my money back. After being transferred, a male representative has greeted me and again I was asked to verify my identity ( name, date of birth, last 4 digit of social security ). I was given instructions that I will be receiving a XXXX video call guiding me to show me how I can get my money back. I then received the XXXX call from XXXX. I was given instructions on what to do thinking I was still speaking to bank representative. I was asked for a share screen to guide me. They wanted me to log in Navy Federal app, they couldnt see my username and password since I used my face ID. I was asked to check my purchase history and was told that there was charge from XXXX I was told that I am not going to see it because its been declared as fraud already by navy federal and in able to reverse it, they will need my XXXX ID. I was comfortable giving my XXXX ID since I thought it was the bank helping me. I then noticed that my XXXX id got changed to a different email as well as my password. I was told to open an XXXX credit card and I applied and got approved immediately. I was told to transfer XXXX in XXXX cash and then another {$2500.00} total of {$5000.00} and it got locked immediately by XXXX I was later asked for my XXXX without the password but suddenly they were able to gain access to my email and issued a new debit card for me from Navy Federal. After a new debit card was issued, I was told that my old debit will no longer work so he wanted me to check my email in able to for me to use the new debit card without having it physically yet. I tried getting access to the new debit, I was not able to log in, and so since that was the case, I was guided to use my XXXX XXXX And through XXXX XXXX he wanted me to put {$5000.00} and XXXX XXXX was only allowing {$4900.00} at the time. Asked the representative why were going through this process, and I was told that its to unlock the {$5000.00} that was locked from XXXX credit card. Someone later requested me {$4500.00} and the person username was $ XXXX and he was named XXXX from the XXXX. After the money was sent without me approving it, the person wanted me to send {$400.00} from the {$4900.00} balance and then it failed and was did not get sent. I was told that it was okay and that they were going to try to unlock my XXXX account now and get my money reimbursed. After XXXX minutes, I was told, since it was not working, we are going to have to reset your phone and after that my phone had shut down and factory reset by itself and as soon as my phone turned back on. I tried logging in to my XXXX ID and it was not working anymore. Even my phone number got deactivated. I immediately reported to my XXXXr to possibly get an approval to go to the nearest Navy Federal Bank since I was still on the field. I immediately reported what happened and initiated a fraud claim of {$9900.00} which was the total amount that was lost in my account. The hackers were even able to transfer money out of my joint share savings with my wife worth {$2000.00}. I also had to go straight to XXXX XXXX XXXX XXXX going to the bank to reactivate my phone number as it was deactivated. XXXX also got involved to initiate fraud claim {$5000.00} with XXXX XXXX and tried closed the XXXX credit card that hacker wanted me to apply to. Unfortunately, XXXX unable to give the money back that was sent from the hacker. I also tried finding a solution to get my XXXX ID recovered as it was also compromised. The hacker or Navy Federal impersonators was able to use my account and have access to it with a new email that it was changed to as well as the phone number. XXXX recommended to file a police report as this can be considered as identity theft in which I did. After waiting 10 days from the date my claims were filed, the investigator has ruled that no error has occurred. I truly believe that this response from Navy Federal Credit Union did not honor the root of the problem that I am trying to solve. The problem here is failing to provide security for the consumers of Navy Federal Credit Union. Impersonators/hackers are extremely creative to find a way to persuade consumers to fall into their system. Just the fact that these hackers/impersonators can mimic the same phone number that Navy Federal Credit Union provide to their customers, already shows that there needs to be a change to the system. When I went to the bank to report and file a claim for fraud, I was told by the representative who helped me that I was the fourth person that day to be reporting for the same exact issues. This only shows that this issue has been becoming an unresolved problem. I am asking for assistance, not just as a consumer, but also as a service member who have put his trust to an institution claiming to be ensuring their members that they are insure and secured by NCUA, to please provide some assistance to this problem. Losing {$9900.00} from my bank account has slammed me so much to the point that it has affected my mental health and caused me financial problems. I have been with Navy Federal Credit Union for almost a decade now, and since then, the institution has been very helpful with every issue that I have dealt with considering that they were not as huge as this one. As a service member who serves to protect the country, I would really hope for Navy Federal Credit Union to be able to provide assurance to provide security and protection to my account. XXXX cash case number : XXXX and XXXX police department Case number : XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96782
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Delays in the application process
Consumer Complaint: I was approved for a XXXX loan however underwriting is having me write and submit letters for approval. I submitted the letters and they keep asking for the same information. I have also shown through my bank statement that I was not late on a home payment. The only explanation is that during the transfer of the loan they reported it late. However, the payment was taken out on the XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Immediate deletion of the account and 1,000 $ per violation of the FCRA Institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Pursuant to the Gramm-Leach-Bliley Act and 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. The Privacy Rule applies to businesses that are " significantly engaged '' in " financial activities '' as described in section 4 ( k ) of the Bank Holding Company Act. Your activities determine whether you are a " financial institution '' under the Privacy Rule. According to the Bank Holding Company Act provision and regulations established by the Federal Reserve Board, " financial activities '' include : lending, exchanging, transferring, investing for others, or safeguarding money or securities. These activities cover services offered by lenders, check cashers, wire transfer services, and sellers of money orders. providing financial, investment or economic advisory services. These activities cover services offered by credit counselors, financial planners, tax preparers, accountants, and investment advisors. brokering loans. servicing loans. debt collecting. providing real estate settlement services. career counseling ( of individuals seeking employment in the financial services industry ). The Gramm-Leach-Bliley Acts notice and opt out provisions are in addition to the obligations imposed by the Fair Credit Reporting Act ( FCRA ). According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is 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 customers and to protect the security and confidentiality of those customers nonpublic personal information. Navy Federal Credit Union is a financial institution by definition under that title. 15 USC 1681 section 604 a section 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. Navy Federal Credit Union the financial institution 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. Navy Federal Credit Union 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. Navy Federal Credit Union Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 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. XXXX5 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c 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: AL
Zip: 36869
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Repossession
Subissue: Notice to repossess
Consumer Complaint: I am writing to formally lodge a complaint against Navy Federal Credit Union regarding the repossession of my XXXX XXXX XXXX in XX/XX/XXXX. This repossession, which occurred without proper legal grounds and in violation of constitutional and statutory rights, demands immediate attention and resolution. According to the 4th and 5th Amendments of the United States Constitution, the repossession of my vehicle was conducted unlawfully, infringing upon my rights to due process and protection against unreasonable seizure. Furthermore, I am invoking 15 USC 1681a ( d ) ( 1 ) and 15 USC 1692a ( 6 ) to establish Navy Federal Credit Union 's role as a debt collector and its partnership with an unidentified towing company, implicating them in violations of federal laws governing debt collection practices. The repossession carried out by Navy Federal Credit Union and its undisclosed towing partner was in direct contradiction to the established legal framework, disregarding the rights afforded to me as a consumer and violating federal statutes governing fair debt collection practices. I demand an immediate investigation into this matter, a reversal of the repossession, and a comprehensive review of Navy Federal Credit Union 's policies and procedures concerning debt collection to ensure compliance with federal laws. Moreover, I request a prompt response outlining the steps being taken to rectify this situation and restore my rights as a consumer. Failure to address this issue in a timely and satisfactory manner may necessitate further legal action to uphold my rights and seek appropriate remedies. I anticipate a swift and satisfactory resolution to this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85260
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 2 Accounts Navy Federal Credit Union that's reporting closed I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, XXXX PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Company Response:
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My insurance company issued me a refund {$760.00} on XXXX XXXX and the funds will clear XXXX hours..I called navy federal on XX/XX/23 they told me I had a balance of - {$19.00} but they saw the pending refund for {$760.00} ..then I called back XXXX XX/XX/23 and navy federal tells me I cant access my funds until they subtract {$530.00} from a temporary credit reversal thats due to reverse on XXXX.which they say is when they would be finished their investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A