Date Received: 2023-12-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am a XXXX XXXX member. I came to deposit XXXX XXXX into my XXXX account at the atm outside of this location ( XXXX, XXXX ) on a XXXX evening. The ATM took my money, failed to deposit it into my bank account and proceeded to print out an error message telling me something went wrong and to contact my financial institution. It did not give me back the money I deposited nor did it post to my account. Their ATM literally stole from me. I immediately called XXXX XXXX. As a member I expected this to be resolved ASAP with urgency. Instead the XXXX person to answer tells me he will transfer me to the " disputes '' department. While on hold, the automated system told me there was a XXXX hour hold for that department and that I would he placed on a call back queue. I waited. I finally get the call back. The lady was completely unempathetic of the situation. She told me it could take XXXX XXXX DAYS to " investigate '' this incident! Are you serious?! I need this money now and this is XXXX XXXX 's mistake. There should be URGENCY! I explained I was not the only XXXX struggling with the ATM and that it should be noted as OUT OF SERVICE IMMEDIATELY so no one else has to go through this! She said " yeah I wrote a note about it on your claim ''. It seems she wrote that note on my case and not actually put an alert that the ATM is down in real time! I am completely repulsed by XXXX XXXX. I asked what am I supposed to do? I need this money and got forbid it happens again in the future with large sum of cash. With technology these days, ATMs can be quickly audited within XXXX for extra or missing cash and it does not take XXXX XXXX days to provide me a provisional credit at least! She said they would not even offer provisional credit until the XXXX BUSINESS DAY of claim! XXXX XXXX does not care about its members. All of this for XXXX!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85248
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
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: Navy Federal credit union has failed to provide the consumer ( ME ) with the option to opt of of non disclosure reporting to Non-affiliated 3rd party companies ( credit bureaus ) every 30 days as noted in 15 USC 6802, and also violated my rights IAW 15 USC 6803 reporting my nonpublic information to nonaffiliated 3rd party companies ( credit bureaus ) and the terms set forth by navy Federal credit union. 15 U.S. Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) 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 ; 15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91941
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navy Federal credit Union is illegally and unlawfully reporting my personal information that is private in nature to 3rd parties including credit reporting agencies. Under consumer law and US Code... 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) 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 ; ( B ) 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 third party ;
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX of 2023 I had my account closed due to fraud transactions and a breach from XXXX that leaked my personal information which required me to close my account on more than 2 occasions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, Navy Federal restricted all of my debit cards and state it is for a year. They did not inform me of this restriction. When I contacted them they state it is because of fraud claims. I have had three claims and they state I have had 5. One claim was due to their negligence in including the charge in the previous claim. They state there is a limit but this information is nowhere to be found. They have in their agreement a XXXX tolerance for fraud and to use your debit card freely without worry and charges would be covered. My information was stolen and I reported it. Also, I am a XXXX woman who can not always go into the bank to withdraw cash and I rely solely on the use of my card to buy groceries, buy my kids clothing and pay my bills. They are denying me access to my funds with my card and they do not offer checks. Furthermore, I spoke with an account specialist who stated that cards get stolen if entered into XXXX XXXX but they send you the card information prior to you receiving it in the mail and say to enter it into XXXX XXXX. She stated it was my responsibility to not so such but they email you and tell you to. I attempted to open another account at Chase Bank and set up to transfer my funds to them so I could have access and they denied my transfer and stated that they would not allow any transfer to that account. I have funds in my account and I am also on my sons, husbands and mothers accounts there and none are in bad standing. My husband has been XXXX XXXX for over 17 years and had an account there and I have had one since XXXX. I followed their instructions in reporting when someone stole my information and I am punished for such and not permitted to have a card or transfer my money out of the account. As I stated I am XXXX and have been since XXXX and can not go into a branch just to get access to my funds and they are denying me my rights and will not give me the proof I asked for. This has caused me added stress and now am XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They have treated me terribly and like a criminal when I did nothing wrong.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23455
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: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I am deeply troubled to share the frustrating experience I have recently encountered with Navy Federal Credit Union. Despite the Internal Revenue Service ( IRS ) having sent them a letter to release the levy on my account two weeks prior, the bank still placed a hold on my account, causing significant and undue hardship. On XX/XX/2023, I was astounded to discover that Navy Federal Credit Union had placed a levy hold on my account, in direct contradiction to the letter sent by the IRS. Remarkably, the IRS had communicated with the bank on XX/XX/2023, instructing them to release the levy. This action should have precluded any hold being placed on my account, as per the predetermined 21-day window stipulated by the bank 's policies. Subsequently, when I reached out to Navy Federal Credit Union for clarification and resolution, I was instructed to contact the IRS directly. However, it is critical to emphasize that the IRS had already taken the appropriate steps to notify the bank of the levy release in advance of the 21-day period. This situation has caused immense frustration and financial strain, and I am deeply disappointed by the failure of Navy Federal Credit Union to honor the instruction provided by the IRS in a timely and responsible manner. As a customer, I expect appropriate adherence to regulations and an understanding of the impact such holds can have on individuals and families. I sincerely hope to see a swift and satisfactory resolution to this matter. It is imperative that financial institutions such as Navy Federal Credit Union take accountability for their actions and strive to alleviate, rather than exacerbate, the burdens faced by their customers. I will continue to pursue a resolution to this issue, and I trust that Navy Federal Credit Union will take the necessary steps to rectify this disconcerting situation. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Notice of Demand Close my Account.. Immediately, since the XXXX Navy Federal think this account was opened wrong. What type of dummy will deposit money into an account they have no access to do full Banking transactions according to the Banking Act? Navy Federal credit union has 3 days to officially close my account. STOP USING MY SOCIAL SECURITY NUMBER FOR YOUR GAIN ON THE MARKET. I KNOW ANY MONEY I DEPOSIT IN THIS ACCOUNT I AM TO RECIEVE DOLLAR FOR DOLLAR. I ALSO KNOW THE BANKS USE DOUBLE BOOKKEEPING... SO WHEN I DEPOSIT MY MONEY YOU MAKE A DEBIT AND A CREDIT AND KEEP 10 PERCENT OF MY DEPOSIT AND LOAN IT TO OTHER CUSTOMERS AT A HIGHER INTEREST RATE. I KNOW WHEN ANYONE COMES AND ASK FOR A LOAN BY LAW, YOU THE BANK CAN'T LOAN OUT ANY OF YOUR ASSETS, TO US ... ..UMM WHERE DO THEY COME FROM THEN?? US, THE ORIGINAL CREDITOR ... When we sign that promissory note for the loan, yall go on the backside, fill out XXXX XXXX, HAVE THOSE CREDITS Transfered to the bank ( underwriter ) then the bank tells us what the Federal Reserve Bank is willing to loan, you put yourselves as power of attorney and trick people into thinking they are really getting a loan from the bank when in all actuality its their money the bank is loaning them and then will charge interest on our money. Please stop playing me. All documents / correspondence will be recorded. A copy of this email will be sent to the FTC/ SEC/ IRS CID/ Attorney General/cfpb and any other regulatory agency I see fit to contact.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Subject : Unauthorized Credit Accounts and Violation of TILA I am writing to bring to your attention a series of concerning incidents that have occurred while I was incarcerated in a work program by the FDC. It has come to my attention that several credit accounts were opened without my knowledge or authorization during this period. I would like to provide a detailed account of these incidents and seek your assistance in resolving these matters. Firstly, in XXXX, I filed a tax refund check with the IRS. Due to the verification of my identity, the refund was not released until XX/XX/XXXX. However, during this time, my checking account with your institution was closed. It has come to my attention that Navy Federal Credit Union did not return the {$5300.00} check to me. Instead, it was applied to my credit card account. I want to emphasize that I never signed any disclosure granting a security interest in my checking or savings account, nor is there any record to support this action. Furthermore, I took the necessary steps to protect my credit and financial information by notifying the credit bureau in XX/XX/XXXX about the fraudulent accounts that were opened without my consent. This was done in accordance with the proper procedures to block the information associated with these fraudulent accounts. It is my understanding that Navy Federal Credit Union 's action of applying the {$5300.00} check to my credit card account, without returning the funds to me, may constitute a violation of the Truth in Lending Act ( TILA ). I have taken the initiative to file a police report and an FTC report regarding this matter, which I have attached for your reference. These reports provide additional evidence of the situation and highlight the potential violation of TILA by your institution. I kindly request your immediate attention to this matter. I would appreciate a thorough investigation into these incidents and a prompt resolution. I request that you provide me with a detailed explanation of the unauthorized credit accounts, the handling of the tax refund check, and the application of funds to my credit card account. Additionally, I would like any charges or fees associated with these actions to be reversed, and the {$5300.00} check to be returned to me. I am open to discussing this matter further, and I would appreciate your prompt response within [ specify a reasonable timeframe ]. Please provide me with a written acknowledgment of this letter and a timeline for resolution. Thank you for your attention to this serious matter. I trust that you will address these concerns promptly and take the necessary actions to rectify the situation. I look forward to a satisfactory answer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Getting a line of credit
Subissue:
Consumer Complaint: XX/XX/2023 I applied to get a credit card/line of credit from Navy Federal , I have an account with them. I was denied on the basis of my credit report, which is illegal and discriminatory. I reached out to the company upon me researching and learning more of my RIGHTS that I should not have been denied and attempted to remedy the occurrence. I started a chat within he messaging portal on the app on XX/XX/2023. I was met with opposition, stating that my credit was not sufficient and that I would have to reapply seeing as though it was beyond 30 days. I was invited by email to apply for a line of credit XX/XX/2023, which is evidence that a soft pull was done to access my credit report without my consent, which is also illegal and considered bait and switch. I requested that my application be withdrawn and returned to me seeing as though I am aware that my application has been securitized and began being traded, collecting interest for their company without my just compensation. Still nothing. So on XX/XX/2023, I applied again and was denied yet again. This is negligent non compliance which holds penalties, this is also securities fraud and violations to my consumer rights. This is also stopping the flow of commerce which is an offense as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45239
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was traveling by car with my new debit card on XX/XX/2023. I got gas in the Amount of {$100.00} even. The following day I noticed my account was {$1400.00}, short. Two separate claimes, {$340.00} plus {$1100.00}. In review I noticed there had been several online unfamiliar and unauthorized online charges. I immediately called Navy Federal to report and open a claim. The charges were reversed pending investigation. On XX/XX/2023 the charges were added back to my account. I called Navy Federal and I was told the claim was denied. I ask for an explanation and supporting documentation. I was told their was no documentation they could give me. I also wasn't given a reason for the denial.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92570
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A