Date Received: 2023-12-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31909
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. XXXX highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31909
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: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I filed complaint with XXXX against 2 sellers for two different purchases that I didnt receive. After trying to contact these sellers on a number of occasions to rectify issue XXXX stepped in. I also notified navy federal a week later as an extra percaution. On XX/XX/XXXX, I received 2 mails from navy federal regarding two charges. One of the charges was in the amount of {$900.00} and the other was for {$830.00}. Navy federal stated that they were issuing me a temporary credit for {$830.00} for one charge disputed, and investigating the XXXX no temporary credit would be issued until after their investigation. I received email from XXXX that two disputes of items not received that I had filed with XXXX were adjudicated in my favor, resulting in both amounts being refunded back to my navy federal debit card. Subsequently, XXXX informed me of the refund for both complaints. However, Navy Federal credited only one of the refunds, amounting to {$830.00}, while there wasnt a temporary credit for the other charge totaling {$900.00} issued by navy federal. When they credit were applied back to my checking account, I was unaware of an outstanding debt of {$1000.00}, I discovered an overdraft in my account, prompting me to seek clarification. They said it was relating to the {$830.00} temporary credit i was given relating to dispute. I stated both credits were refunded by XXXX on the same day. They stated they will look into it. I requested to set up a payment arrangement to pay down the negative balance. The representative said I had 60 days to pay it but didnt set up a payment plan as I requested. Upon contacting Navy Federal on XX/XX/XXXX after seeing my SSI deposit was pending to my savings account..it showed a balance in my account of {$89.00} and a few cents that would be available rather than the full amount of the ssi deposit. The representative informed me it was in my savings and it wasnt applied to my checking over draft. I informed them that they cant use sis to pay a debt or garnish it to satisfy negative. I reiterating stating that, its not showing that I will have my full ssi benefit amount available. I also mentioned that It shows on my mobile app that youre taking my deposit to cover the {$1000.00} overdraft from XXXX, representative informed me that that wasnt going to happen. The next day I find that they had debited the full amount from my savings account without authorization or notification and applied it to negative checking account. Despite their assurance that my savings would remain untouched, they unilaterally transferred {$1000.00} from my savings to cover my checking account deficit. Notably, my attempt to make payment arrangements within the provided 60-day window was preempted by this unauthorized transfer. Moreover, when inquiring about the status of my Social Security Income ( SSI ) funds, a supervisor acknowledged the deposit but revealed it was placed on hold. Despite assurances that the funds were secure in my savings account, Navy Federal surreptitiously utilized these funds to settle my debt without adhering to the requisite notification protocols. HERE 'S THE LAW Compilation of the Social Security Laws Sec. 207. [ 42 U.S.C. 407 ] ( a ) The right of any person to any future payment under this title shall not be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or to the operation of any bankruptcy or insolvency law. ( b ) No other provision of law, enacted before, on, or after the date of the enactment of this section [ 126 ], may be construed to limit, supersede, or otherwise modify the provisions of this section except to the extent that it does so by express reference to this section NAVY FEDERAL SHOWS ... A 'PATTERN OF PRACTICE ' Violation of FDCPA Relevant Law : FDCPA ( 15 U.S.C. 1692 et seq. ) Potential Violation : Various provisions, including Sections 1692d, 1692e, and 1692f. Explanation : Defendant 's actions constitute FDCPA violations, encompassing deceptive, misleading, and unfair practices in debt collection. The provisions of section 207 ( a ) of the Act ( 42 U.S.C. 407 ( a ), prohibiting attachment of benefits, are specifically made applicable to Supplemental Security Income ( SSI ) benefits pursuant to section 1631 ( d ) ( 1 ) of the Act ( 42 U.S.C. 1383 ( d ) ). Federal regulations at 5 CFR 581.104 ( j ) also specify that SSI benefits are not subject to garnishment. Potential Violation : Sections 1692 ( b ) and other relevant provisions, in conjunction with constitutional due process rights. It is essential to highlight that during the account setup, I explicitly declined the option to link my savings and checking accounts. This decision was made clear to Navy Federal representatives. Nevertheless, they violated this preference and moved funds from my savings to checking, contrary to my explicit instructions. This unilateral action, without proper notification or adherence to established protocols, constitutes a violation of my rights, especially regarding the use of SSI funds. Navy Federal 's actions are inconsistent with the treatment prescribed for Supplemental Security Income recipients, who are entitled to receive prior notification before any garnishment. In summary, Navy Federal 's unauthorized transfer of funds from my savings account, the lack of notification, and the contravention of established preferences represent a serious violation of banking protocols and infringe upon my rights as an account holder. Footnote : CFPB Orders Navy Federal Credit Union to Pay {$28.00} XXXX for Improper Debt Collection Actions. https : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90405
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of identity theft and accounts were opened fraudulently by utilizing my personal data. Im highly upset with the level of inaccurate thats being display on my good credit. All I do is work and care of my home, so there was never a need to add any of these consumer accounts to my consumer report. I wish to have this matter resolved and removed immediately. Ive filed a criminal case with the police department regarding this matter. Documents are attached to this complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to pay my car insurance and my debit card was declined my credit card declined for gas at my over night shift at XXXX. Its the first of the month and all my bills are due. I called navy federal Saturday morning to find out why all mu accounts are declining and advised that they cNt XXXX me or talk to me as security department froze the account. I advised today the XXXX and my bills are due i have grocerys to buy i am a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I was told the branch cant help and i cant get any other information and nothing can be done. My savings is with this bank i just got paid friday and i dont have access to that as well this is wrong. I have no gas no good my bills are due and i still dont know why as i committed no fraud. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
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 paid {$10000.00} to XXXX XXXX using my navy federal card on XX/XX/2023. XXXX XXXX, XXXX XXXX, and XXXX XXXX, her team promoted turnkey XXXX XXXX XXXX XXXX rentals for a monthly XXXX. XXXX stopped once XXXX and her team received the money. That service was never rendered. The monthly profits were never paid out. In fact, it was all fraudulent. The link to the XXXX XXXX XXXX never existed. The apartment complex has stated she was never allowed to do such business in these apartments. The profit/ loss statements were copied/pasted. I have found XXXX other investors with the same unit number as myself, who have invested {$10000.00} or more each, same profit/loss numbers on their statement, and no profit for investors. I have filed a police report, along with XXXX people with the same complaints. She has been on the news, with multiple people accusing her of very similar scams. I have reached out to navy federal credit union, and disputed the charges, with no assistance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Navy Federal Credit Union, I hope this letter finds you well. I am writing to express my desire to opt-out of the sharing of my nonpublic personal information with any nonaffiliated third party, as allowed under the provisions of the Gramm-Leach-Bliley Act. According to the regulations, a financial institution may not disclose nonpublic personal information to nonaffiliated third parties without providing the customer with the option to opt-out. I am exercising my right to opt-out of any such disclosures. Please ensure that my decision to opt-out is reflected in your records, and kindly confirm in writing that my preference has been noted and will be respected. Additionally, I appreciate your assistance in providing information on how to further manage and review my privacy preferences in the future. If there are any specific forms or procedures required to complete this opt-out request, kindly provide them, and I will promptly fulfill the necessary requirements. I value the services provided by Navy Federal Credit Union and trust that my privacy preferences will be respected. Thank you for your attention to this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I made a payment through the Navy Federal Credit Union ( NFCU ) XXXX app using an ACH transfer. Initially, the payment was displayed in the app, but it disappeared the next day, which was unlike my previous experiences. Thinking I hadn't completed the payment, I made it again. Shortly after, I realized the first payment had been processed, but I couldn't cancel the second one due to repeated app errors. The next morning, both payments were posted to my account. I contacted NFCU to reverse the duplicate payment because of the app 's failure to provide updated information. I had closed my checking account with NFCU nearly a year ago due to suspected predatory practices. NFCU responded that I need to reopen a checking account to process the reversal. I believe this situation highlights unfair practices and request an investigation into NFCU 's operations.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX XXXX XXXX XXXX dba Attorney at XXXXXXXX XXXX XXXX XXXX. has been alerted that they were interfering with a billing dispute with Navy Federal Credit Union. All correspondence has been ignored. No contract exists between XXXXXXXX XXXX XXXX XXXXXXXX. and myself yet they are threatening to foreclose simply because they purchased a debt that was discharged from Navy Federal Credit Union. They were also informed that they are interfering in a Trust matter. A copy of the debt discharge was sent to XXXX XXXX XXXX XXXX via Registered mail. Navy Federal Credit Union and its agents hired XXXX XXXX XXXX, XXXX as the closing attorney who had his license to practice law suspended just six months after my closing for making false statements to Federal agents for real estate matters. Seven months later, XXXX XXXX XXXX, XXXX license to practice law was revoked for misconduct. Certified mail was sent to alert XXXX XXXX XXXX XXXX dba Attorney and the Principal for XXXXXXXX XXXX XXXX XXXX. that the original closing attorney mishandled the closing of my home. XXXX XXXX XXXX XXXX dba Attorney and the Principal for XXXX XXXX XXXX XXXX. have notified to Cease and Desist collection efforts. Navy Federal Agents XXXX XXXX dba Chief Executive Officer, XXXX XXXX dba Chief Compliance Officer and Trustee XXXX XXXX have been notified of the error at closing via Registered Mail.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Upon reviewing my consumer report I noticed several inquires on my report in which I did not authorize. There is a Security Freeze on my accounts which states the following ; " Before issuing credit, call me at XXXX. This process was not done.I was not called.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A