Date Received: 2023-11-13
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/2023 I created an online application to open a credit card and use a balance transfer special they had offered. Once applied, I received a response soon after, same day, that I was given the highest interest rate possible, despite XXXX credit scores, money in several accounts at the bank. I requested a review of the interest rate immediately, same day, and was denied. I immediately let the agent know not to open the account and close out everything attached to the account. This is all on XX/XX/2023 I was advised by the rep that they would close the account immediately and to disregard any cards I may receive in the mail. Shortly thereafter, I received a notice that I have a new account with this bank with a balance of {$5000.00}, the amount of the balance transfer which would have gone through had I opened the account. I spoke with a rep who said the balance transfer was processed the day AFTER the account was closed because I did not also cancel the balance transfer. However, the online site shows the balance transfer account was not opened until XX/XX/2023. Incredible. Why would I need to cancel a balance transfer that should not occur if I do not have a card to process it on. This new account balance opening fraudulently has impacted my credit score by a total of XXXX and I am very disappointed in the process of trying to have it resolved with the bank. Please help me, I am in Florida.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Repossession
Subissue: Notice to repossess
Consumer Complaint: In XXXX of XXXX I reached to the account manager XXXX XXXX at Navy Federal to discuss Accounting on the account. Previously I made all payments to the auto loan from a personal account with another bank to Navy Federal. I realized that in addition to accepting my payments, XXXX XXXX Navy Federal were also illegally transferring payments from the business savings account that I had also established at Navy Federal prior to financing the car in XX/XX/XXXX. Once I realized this I called and spoke with XXXX XXXX as the appoints rep for the car account. After discussing the matter, requested the original car contract and all accounting on the vehicle which the bank found difficulty in providing. They then provided a titled promissory note that was day to late XXXX of XXXX with an unrecognizable signature. Since discussing the contract and accounting with XXXX XXXX in XX/XX/XXXX I sent several letter requesting informations and details to resolve this matter. I've called several times over months and did not respond to any letters or messages or phone call i made. On XX/XX/XXXX my car was repossessed by a third party hired by XXXX XXXX and Navy federal. I was not made aware of the car would be repossessed and could not again get in touch with him or anyone who could discuss my concerns until the following week. Under Navy Federal, XXXX XXXX XXXX has violated the law and my rights as a consumer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20019
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: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have repeatedly had problems with Navy Fed. They stole {$250.00} and {$79.00} from my account when I repeatedly advised them I had no part in whatever took place on my account. I advised them of my account information being stolen and another time lost but they've repeatedly ignored me! I requested appropriate paperwork to file whatever I needed to dispute each issue and wasn't given it and was also ignored. I was told I used abusive and profane language and therefore they weren't going to honor my legal serious requests. I have the message I sent that they are claiming this on. It absolutely doesn't contain any abusive nor profane language! Whoever responded has to be in their feelings, is very unprofessional, and incompetent! They need to comprehend and understand that them stealing my money is a highly continuous problem that should've been fixed a long time ago! This issue has been going on for years and their response has been highly illegal and unethical according to their own policy and regulations by the government! They have been abusive and offensive to me! I even had to call the police due to the first fraud/theft for the {$250.00} on Navy Fed ! I repeatedly told them to look at the cameras to prove I had nothing to do with any of those check transactions! I told them to look at any signatures and they'll see I had nothing to do with whatever happened and I was ignored over 11 times in calls/messages! I've been trying to clear this and get my money back for hundreds of days with no results and they want to try to tell me I can't say " XXXX '' in which I misspelled. I'm completely frustrated and disappointed with the way they've mishandled MY MONEY! They also have been committing theft on hundreds of accounts by claiming they had to provide provisional credits which caused overdraft fees! What they do is every Friday-Sunday claim to not do real time transactions whether your card or check was used with a purchase but allow the purchase then Monday comes and they claim to actually take all transactions then from the weekend and claim we've overdrafted our accounts! This is a scam and illegal! First off my account is tediously watched by me due to me being aware of their theft/scam and me having very limited funds- XXXX! Every transaction I transfer the entire amount if the transaction at the time of the transaction in front of the merchant, then I unfreeze my card/account, then provide the payment! There is an abundance of proof of that on my account in the transfer transactions with the day/time clearly viewable on the app/website! So how is it that I didn't have enough to cover any transactions over the weekend? They couldn't and still can't prove I didn't have the money to cover due to me transferring the exact amount of ANY transaction before i provide the merchant with payments! Navy Federal Credit Union needs to be audited by all regulating agencies immediately for these issues I've presented! This is a very serious matter and yall should make sure they get further reported! They've been stealing money for as long as they started the overdraft! I put my life on it! They also have continued to ignore me disputing charges I didn't authorize! There was a charge of a little over {$110.00} that they've taken {$29.00} repeatedly for rejecting the payment in which I didn't authorize at all! I've repeatedly requested my account/card be shut off immediately since this all started and again XX/XX/23 and still today my account is still fully open! I opened up a new checking and savings with them because they've ignored my legal request then I took all my money from all accounts because they've still ignored me. I've repeatedly requested ALL my money be returned to me and I have been repeatedly ignored! This is very serious! I repeatedly informed them of my XXXX and I've been treated so horrible I've cried hundreds of times and can't take anymore! You will see that they didn't follow their own policy/terms/conditions- they didn't respond with the two business days, they didn't fulfill my serious requests, they didn't provide appropriate paperwork. I followed their instructions and was completely and continuously ignored and ridiculed..
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with 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: Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30309
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I requested a refund from XXXX XXXX and they agreed to it, but have failed to deliver. I have filed a formal complaint with Navy Federal Credit Union for the services not rendered which XXXX XXXX verified. I would like a refund from my bank for the services so they can file the chargeback with the company to receive their money back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92672
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello, On or about the first of XXXX, I had another disappointing visit inside XXXX 's Navy Federal Credit Union in XXXX, Texas. I appreciate the institution but branch manager XXXX, makes it impossible to complete daily transactions on regular basis. I've brought her antics to the attention of their corporate office via phone but, am concerned my pleas have gone ignored. Moreover, her colleagues tend to follow suite because XXXX 's unable to ensure debit cards are active and ready for use. Following my visit with he and constituent he was training the other day, XXXX claimed the cards one received via mail were active. Consequently, one had to make a third trip back to the bank since I was still in vicinity. This is because they declined during a purchase. Ironically, he never gave me an explanation as to why, the cards were inactive. Now, I'm under an impression the office is making a mockery of my encounters with XXXX. Leading XXXX to believe I've been targeted. So, at your convenience, would you please help me earn reassurance when re-visiting the branch? Concerned XXXX, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Used Navy Federal Credit Union 's ( NFCU ) Bill Pay ( AKA " Check Free '' ) to send a donation to my church on XXXX XXXX XXXX Bill Pay sent a {$480.00} check in US Mail to my church. The check was stolen from the Church 's mailbox. The check was altered and cashed. Church filed a police report. I have copy of the altered check. Filed Affidavit as NFCU provided. It has been eight months since this happened. I've communicated with NFCU Bill Pay over 100 times to no avail. I have not received my {$480.00} returned. All above is properly documented and available. In short, in every attempt to get answers from NFCU, I am asked to call them and am promised I will hear something soon. I never hear back. I wrote to the CEO of NFCU. To no avail. I filed complaint with FTC. After 8 months, as of today, XXXX, I received the exact same response to call NFCU and discuss. I've spent hours upon hours on the phone with NFCU and their Bill Pay/Check Free. I am not told what they are doing to help me. They won't tell me when or if I will have my money returned.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Im rewriting to express my frustration and disappointment regarding the recent denial of my credit card application. Despite having high income ( XXXX ) having good credit score XXXX and a good customer for over XXXX years and meetings all the necessary requirements, I was denied credit! The decision seem unjustified and I think it is due to my race. I would appreciate a prompt review of this issue with Navy Federal Credit Union. On top of that no reason was provided as required by fair credit act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have not Supplied proof under the doctrine of Estoppel by Silence XXXX XXXX XXXX ( mo ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96816
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: [ Navy Federal Credit Union ], violated the Truth in Lending Act ( TILA ) and the Uniform Commercial Code ( UCC ), resulting in harm to XXXX XXXX ]., [ Navy Federal Credit Union ], is a corporation organized under the laws of the State of [ Virginia ], with its principal place of business at [ XXXX XXXX XXXX XXXX, VA XXXX ] .On [ XX/XX/XXXX and XX/XX/XXXX ], Navy Federal and I entered into a retail installment contract, which constituted an auto loan for me to purchase a vehicle. Despite UCC 9-203 outlining the requirements for the attachment of a security interest and UCC 9-310 mandating the filing of a financing statement for the perfection of the security interest, Navy Federal failed to satisfy these requirements. Specifically, they neglected to include the note, the evidence of debt, in the security agreement and did not file a financing statement, thus failing to perfect the security interest correctly. Without informing or gaining the consent from me, Navy Federal initiated a securitization process, which involved the sale of the loan note. This process effectively converted the my loan into an asset-backed security. I demand that Navy Federal produce the original note, demo nstrating that it has not been securitized. TILA, in conjunction with Regulation Z, imposes an obligation on creditors to disclose material terms and conditions of loans to consumers. Navy Federal non-disclosure of the securitization process is a violation of TILA, as established in Jesinoski v. Countrywide Home Loans , Inc., 574 U.S. 259, 2015. UCC 3-301 stipulates that a person entitled to enforce an instrument is either the holder of the instrument, a nonholder in possession of the instrument who has the rights of a holder, or a person not in possession of the instrument who is entitled to enforce the instrument. In this case, Navy Federal, by not including the note in the security interest and subsequently selling the note, is not the holder of the note. Therefore, Navy Federal has forfeited its right to enforce the note under UCC 3-301, which results in nullifying me the obligation to pay the debt. Also the debt has already been paid based on the UCC-1 filed by The federal reserve by me signing the promissory note, extending my credit, and Navy Federal making it a security. As per UCC 3-604, if an instrument is paid by a party obliged to pay the instrument and the party paying the instrument receives a conspicuous statement to the effect that the payment is in full satisfaction of the obligation, the effect of payment is discharge to the extent of payment. In this case, by selling the note, Navy Federal voluntarily discharged my debt under UCC 3-604, absolving the Plaintiff of any liability under the note.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31763
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A