Date Received: 2023-11-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Navy Federal Credit Union ( NFCU ) has been very unresponsive about my identity being stolen from one of their members and stealing my {$1500.00} of rent money. I found this out only by my landlord informing me that my rent was reversed by the bank on XX/XX/21, now I am being evicted. I notified the NFCU of this unauthorized dispute called in by the thief. The credit union failed to launch an initial investigation into the so-called dispute made by the criminal which worked out in his favor. He is a known thief according to XXXX. The representative claims the number on file came back undeliverable, but my email and mail address remained the same. The credit union never notified me by any other means that were at their fingertips, like address and email. The member went into my account after making the dispute and knowing it would trigger an automatic reversal somehow without any further questions. My rent money was put back in my account without my knowledge, and the thief immediately transferred the stolen funds in his NCFU account. The rep couldn't explain how a member was allowed to dispute a charge on my account without any initial investigation. NFCU have weak security measures that harm the members that are being served. She never stated what information is collected from a member to make any changes on an account. I still have not heard from security operation department as promised. The fraud doc was uploaded to my account while speaking to the rep on XXXX. I have filed a police report with RPD & FTC. As a victim of stolen identify, I feel like I am being penalized for a criminals activity. I am working my way up through the chain of command to get my money back to pay my rent ASAP. All the information of the wire/bank fraud has been established, but I am still getting excuses and no urgency to right this wrong. I want the money that was taken out my account fraudulently, sent back to the landlord with the same ease as the thief ability was to steal it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. NAVY FEDERAL CR UNION XXXX and NAVY FEDERAL CR UNION XXXX. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. I do not consent to an electronic communications. I request all responses be in writing throughtheusps I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: **Notice of Default and Opportunity to Cure** To Whom It May Concern, I am writing to formally notify you of a default under our an agreement dated XX/XX/, with NAVY FEDERAL CREDIT UNION concerning my application for a line of credit. Despite my eligibility and compliance with the terms set forth, my request for a line of credit has been denied. This action not only violates our agreement but also contravenes federal law, specifically infringing upon my rights as a consumer. It is important to note that company procedures do not supersede federal law. According to 15 USC 1602 ( F ), it is clear that access to credit is a right afforded to me. Furthermore, 15 USC 1693 ( a ) ( 3 ) explicitly states that discrimination against individuals exercising their rights under this statute is prohibited. NAVY FEDERAL CREDIT UNION company 's denial of my credit application is, therefore, a direct violation of these laws. To resolve this matter, I am offering NAVY FEDERAL CREDIT UNION the opportunity to cure this default by granting me a line of credit. The amount of credit should reflect the maximum allowable based on the principal balance of my principal account, XXXX XXXX Signed, XXXX XXXX XXXX PRIVATE AMERICAN, GRANTOR-SOLE BENEFICIARY, ISSUER NATURAL PERSON of principal account XXXX XXXX , ALL RIGHTS RESERVED, WITHOUT RECOURSE FURTHER AFFIANT SAYETH NOT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85042
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I want to file this please as my formal complaint to NAVY FCU for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77566
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I applied for an extension of credit for an auto loan with Navy Federal Credit Union on XXXX as well as XXXX and was denied. I was discriminated against according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c. I made the auto loan request with good faith as I am a credit worthy applicant and my rights were violated by this organization. This creditor has broken the law and is in violation of 15 U.S. Code 1642., U.S.C 1681m and 12 cfr 1002. I have contacted this company to let them know I was denied credit. I have sent messages to Navy Federal Credit Union representatives stating that my rights were violated, they have responded back REFUSING to acknowledge that the law is not being followed by them, to address the issue any further or extend me the line of credit that I am asking for.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: have an overdraft on my checking account and past due line of credit. Bank denied ATM card services, canceled all my ATM with no previous notice or notification. Calls are multiple just in XXXX day, for example on on XXXX at XXXX and XXXX total of XXXX calls XX/XX/2023 at XXXX started calling till XXXX with a total of XXXX calls in XXXX minutes. On the same day XX/XX/2023 they called again at XXXX, total of XXXX calles in XXXX minute
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I ordered a I phone on XX/XX/XXXX from XXXX. I had it sent to my niece, XXXX house. She received a 3oz package and not the XXXX! She contacted the XXXX, XXXX Post Office asking where the XXXX was! What was sent was a 3oz package in it was a pen not my XXXX XXXX. My niece sent it back. She contacted the post office talked to XXXX, the Post master and XXXX told her it was a 3oz package that was sent and to contact the merchant on XXXX XXXX. ( I included a copy of the voicemail from Post office ). When I told XXXX they said to contact my bank Navy Federal Credit Union.The merchant cant be found.I contacted Navy Federal Credit Union. I told them I was scammed and never received the XXXX XXXX I ordered. I demanded Navy Federal give my {$750.00} debt back but they wouldnt they said the package was delivered. What was delivered was not what I ordered and they should give my money back! I shouldnt be charged for something I never ordered or recieved its merchant abuse! Im XXXX and was taken advantage of by XXXX and my bank!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ME
Zip: 04011
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: As an active military member, I have been associated with Navy Federal Credit Union for some time now, maintaining multiple accounts with them. Recently, I approached them regarding a concern I had about the interest rates on all my current and previous accounts, and whether they could align them with the provisions outlined in the SCRA ( Servicemembers Civil Relief Act ). Although I am aware that my debt was incurred after my active duty commencement, I find myself burdened with exorbitant interest rates that seem unfair. Hence, I kindly requested Navy Federal Credit Union to consider adjusting my interest rate in accordance with the legal requirements stated in the SCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32068
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On my credit reports its states that my first date of delinquent is XX/XX/XXXX, which is not true. I have made two payments since XX/XX/XXXX which were on XXXX {$310.00} and XX/XX/XXXX {$310.00}. Car sold account balance paid in full XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to dispute a hard inquiry that appears on my credit report, which is unauthorized and inaccurate. Upon reviewing my credit report, I noticed this unauthorized inquiry : NAVY FCU XX/XX/2023
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11423
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A