Date Received: 2023-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Major infringement of my consumer privacy rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S. Code sections 6801 and 6802. I am horrified and concerned that your group has violated these federal statutes.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92555
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: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: XX/XX/2023 : I called Navy Federal Credit Union to requesting my XXXX Benefits for XXXX separate auto loan accounts I have open with their financial institution. I am entitled to these benefits as I am an actively XXXX service member. I completed the application to request XXXX benefits, provided my orders, and requested backpay up to the beginning of my orders as well, as I had been on orders for XXXX years at this point receiving no SCRA benefits. I submitted any documents needed to navy federal and received a confirmation stating it was received. XX/XX/2023 : After a long waiting process and no calls, emails, or mail. I call Navy Federal again and to check on the status of my application, they then informed me that the application was denied but were unable to give any reasoning. After requesting a supervisor, I was scheduled for a call back. On that call I was informed that my application was denied for not stating the word " Texas '' on the application. But I was welcome to reapply with the proper wording " requesting Texas state XXXX benefits. '' XX/XX/2023 : After resubmitting the application with the requesting wording, I was then informed that I would have to wait another XXXX to 60 days for my application to be reviewed. XX/XX/2023 : Still no calls, text, emails, or mail. I decided to call navy federal, still no update on the application.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/XXXX I paid a company for service when the service was not provided. I requested my funds back the company ignored my calls and ignored my emails. I reached out to my financial institution for support and assistance, and retaining my money back they asked me for information which I provided denied the claim, stating that the information I provided was not sufficient enough. The information I provided is all of the information that I have they told me to log back in and resubmit my complaint. I asked them once I resubmit my complaint what information can I furnish to them because the information I furnished the first time is the only information that I have available. The information that I submitted was a email conversation requesting my funds back, and why I was requesting my funds back I also submitted the information on the question that was asked what service was supposed to be provided that was not provided to me, the representative was rude told me he does not know what to tell me and told me the best he can tell me is to just resubmit it with the information that I have. When I asked him, would that get me denied again? He said it possibly could. After logging into my Navy Federal account. I went to search the original dispute submitted and I could not find it. I did however, find a message where they asked me to submit a second review.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I would like close the savings and checking account with navy federal after pulling funds from my account with out notice. Due to there taking the funds, it sent my account into over drawn status. Now they refusing to close the account with out me first paying the amount which I am not going to do because it had enough funds to satisfy the transactions before hand.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: XXXXX
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a credit card debt, through Navy Federal credit union. During the year XXXX or XXXX, that debt, roughly XXXX. Was placed into litigation with a 3rd party, XXXX, XXXX, and XXXX. Over the span of a few months, nfcu reallocated multiple deposits to XXXX. After that period, and receiving XXXX, estimated. They ceased to seize funds. XXXX of XXXX they began to seize funds again. Nfcu told me they are unable to view any details of the remaining balance. I created an online epay account with XXXX. Was then able to verify as of XXXX XX/XX/XXXX. Current balance of total debt, XXXX {$27.00} XX/XX/XXXX, Nfcu transfered XXXX $ to XXXX. Exceeding the debt by XXXX $ I called NFCU to address the infraction. I was told that this type of transfer was how collections is done. They take a large sum, deduct their due amount and return the funds. I attempted multiple times to speak with a representative of XXXX 's collections department. XXXX. Each time only getting voicemail and getting no responses or calls. Then, calling NFCU to ascertain any information about reversing the funds. Was told multiple times they can't do anything. I requested multiple times to dispute the transfer. Stating the 3rd party XXXX exceeded the debt by XXXX $ Though, I wasn't directly told no. NFCU wouldn't acknowledge the request. And would only tell me I needed to speak with XXXX if I had any complaints. XXXX debt balance with wwr XXXX $ ( XXXX to prove it ) XXXX XXXX took XXXX $ Nfcu stated XXXX placed a reversal on the funds. XXXX business days. Day XXXX is today XXXX. No funds returned. Attempts to fix this have been fruitless through both entities. NFCU and XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 979XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023 I Applied For A Navy Federal Credit Card And Got Denied. Regardless Of The Reason For Denial, I Have A Right To Credit. Withholding My Access To My Securities Is Securities Fraud. Navy Federal Is Violating The Equal Credit Opportunity Act And The Consumer Credit Protection Act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20019
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was sent an email from XXXX XXXX XX/XX/23 for a settlement in the amount of {$1600.00}. I received an email from XXXX XXXX saying they are no longer responsible for the debt and it is back in XXXX XXXX hands. I called and they told me this is incorrect. XXXX also has my debt was is on my credit this is inaccurate reporting and incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32725
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I made a direct connection between Navy Federal CU >Navy Fed investment svs >Navy Fed Brokerage > XXXX et al. And so fourth. Based off the evidence that I have found leading to false information to leading me to different directions. This is not at all in good faith to lead a noteholder in misleading information. I am lead to believe there has been a breach in contract for all parties involved also securities, equities EFT fraud happening. When I found the company XXXX for the first time I so happened to click forgot user name and there was an account already opened up for me. Privacy violation # 1 I never gave NFCU et al or XXXX et al permission to do this. Not only that but to restrict access the securities and equities I have with rights to. J know that theres a certain process to this but with both parties telling absolute lies there can never be remedy without cpbf etc. so I am writing because it is time for CFPB to regulate and help because this can not go unjust. I havent received no dividends payouts for the treasury notes, no certificates of indebtedness past present or current. Navy Federal has taken unlawful money from me from debts that were already discharged. I want all of my treasury notes returned. That alone was an unfair process. CFPB I am here to work with someone on your end to get this resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: From XXXX charges were made on my card from a fake company. The company claimed I did business with them but I never did. Totaling XXXX. I gave the police report about the identity theft, gave XXXX information, provided proof I didnt make the charges, and the bank didnt do anything about it. The company never investigated my case/claim and said Im responsible for the charges because they couldnt get the money back from visa or XXXX XXXX because the companies dont exist.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Yes from XX/XX/XXXX until XX/XX/XXXX someone had stole my debit card and used it to make multiple atm withdrawals without my permission they ranged from {$200.00} to {$500.00}. My debit card was stolen and someone made withdrawals that I did not authorize. My account was credited back with the money that was stolen but later just a few days ago it was taken back without any alert of any kind. This is very unprofessional. I alerted the company within 3 business days of finding out that my account had been compromised. It was around {$3000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A