Date Received: 2023-11-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I had filed a debit card dispute for a transaction of {$330.00} on my checking account from XXXX XXXX XXXX. My girlfriend and I had toured an apartment and ended up applying and paying a holding deposit the same day. We were told by the apartment representatives both verbally and through written documentation that if we applied the same day that we toured, both our application fees and holding deposit would be refunded. We ended up finding out that the apartment was misleading us regarding information prior to signing a lease. We told the apartment company that we were no longer interested in the apartment and would like a refund for the application and holding fees as previously agreed upon. I provided all the documented email conversations between myself and the company, which included the written offer to refund all fees if I applied the same day. Navy Federal had temporarily reversed the charge and added a credit in my account until the investigation was completed. On XX/XX/XXXX, Navy Federal sided with the company because " The fee you are trying to dispute is non-refundable, which was disclosed to you at the time of purchase. '' In the supporting documents I provided, the email chain goes over how we were intentionally mislead to believe the charges would be refunded. The representatives didn't provide any disclosures or restrictions that would limit the offer presented to us. It wasn't until we had already paid our application fees and then requested a refund that they told us that we had to move into the apartment to receive the {$330.00} back and that instead of the refund promised, it would be a credit to our account at a later date. This company decided to change the conditions of the special offered to us after we had already paid and Navy Federal took the side of the misleading company without any documentation of why. On XX/XX/XXXX, I requested an appeal on the dispute outcome and received what appeared to be an automated response from Navy Federals Debit Card Dispute Resolution center that provided me with no additional information to understand their decision. I responded on XX/XX/XXXX and haven't heard a response from Navy Federal since. This charge was textbook definition Fraud and Navy Federal is allowing it to happen.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: In the past l signed up for Banks because l needed a bank but didnt have the money for it then my XXXX XXXX XXXXXXXX got hacked and cancelled so i thought l was good but l cant keep an account open because of it and Im losing money. I need to get this handled because something that wasnt my fault is messing up me now.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Money not applied to loan Interest higher
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
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: On XXXX XXXX XXXX I contracted with XXXX XXXX XXXX XXXX XXXX XXXX, for Legal Services and used my navy federal credit card to make payment. This charge ended being fraudulent as the merchant did not provide any services I paid for. I have tried to contract them for many months and they have ignored me. Navy federal closed my dispute without providing me the opportunity to provide more evidence of my attempts to receive a credit from the merchant -- however, this is fraud and Navy Federal states in their website they have a Zero Liability policy for fraud backed by Visa ( the issue of my card ), which is this case. I am attaching the latest communications with the merchants where it is clear they stopped responding to my and have lied about resolving this case.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The consumer gave false claims about the consumer finance protection bureau as they proceeded to report false claims.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I requested my 1099-c from this company that was cancelled debt. This company is reporting cancelled debt to my consumer report. This is a clear violation of 15 usc 1692s-2. Ive put them on notice that income cant be reported to a consumer report and they are reporting inaccurate information. They havent send me the 1099-c form that I requested to file my taxes properly. They are committing tax fraud!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I went to the nail salon on XX/XX/XXXX to get a full set of nails and a pedicure. The next day, the nail polished chipped off multiple toenails, and I realized the technician had missed a spot on my nails. I went back on XX/XX/XXXX to get them repaired. They attempted to give me the same person and I declined, they then gave me another technician. Then on XX/XX/XXXX the nails chipped AGAIN! I was in Alabama at the time, and had to go to a new nail salon to get a brand new nail set. This resulted in me spending more money and ruining my TRIP! I called the nail salon while in Alabama and there was not an answer. I disputed it with my bank, Navy Federal Credit Union and they temporarily credited my account. I then got an email on XX/XX/XXXX explaining they favored the nail salon 's side of the dispute because " there is no record of service cancellation. '' This reasoning is illogical and does not make sense. There was not a record of service cancellation agreement that even happened.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received notification via email alerting me of an inquiry made on XX/XX/23 by Navy FCU. I contacted them to resolve issue and was notified that a credit card was approved for a application I did not complete.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Ive been a veteran since XX/XX/XXXX. I receive XXXX XXXXXXXX compensation. And I been receiving XXXX since XX/XX/XXXX. Ive been unemployable since XXXX, so any benefits received in my name is government protected. Well XXXX XXXX been taking unauthorized payments for credit card debt and car loan debt, that was late, for 6 years now. They recently took a family members amended tax return that came to my account to pay my debt in full. The family member had no access to my account for over 5 yrs. But the return went there, in their name because that was where their original return went back in XXXX. Because that was their only account at the time. So even though the member was no longer on the account, or had access to the account, navy federal used their money to pay off my debt, now leaving me responsible to pay them back. What made it so bad is that the credit card was closed back in XXXX of XXXX and was in collections as written off. Navy federal sent a settlement for both debts, for a fraction of the cost of the debt, the same day the money cleared, in garnished the full account of both debts before I ever seen the emails. They took {$14.00}, XXXX of someone elses money. This was XXXX XXXX. I got contacted by the IRS and the bank who sent it on XXXX XXXX requesting I return it. Navy federal had done this, in never even took the time to contact me about this debt being paid in full. After talking to several representatives, they refuse to return the money to the bank that sent it. They claimed it didnt matter that the member was no longer on the account. Or that the ACH deposit wasnt in my name. It came to my account so they have the right to take it. Honestly, I believe navy federal took it because they saw it was a family member. Because any ACH deposit sent to the wrong account should be returned. Especially if they name doesnt show up on the account the money is being sent too. The owner of those funds been removed from acct ending in XXXX long before now.. They even opened up their own account with navy federal. Navy federal has contact with owner of funds. And could have reached out to verify funds sent to wrong account. So the department that processed the transaction, linked us together in justified using their funds to pay my debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A