Date Received: 2024-01-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I received a " phishing '' email asking me for information on XX/XX/2024. It was a well disguised email and looked very authentic, as if it was sent by my bank - Navy Federal Credit Union. The email indicated that it was an Account Transaction Notification and I should click on a box to view my eMessage. I did not see the email until XXXX, XX/XX/XXXX. After I clicked on the email I was asked for my security questions and email password. This immediately aroused my suspicion and I called NFCU. The agent said NFCU would never ask for a password and connected me to another party who I believe was described as a XXXX XXXX. The XXXX XXXX asked me if I had authorized three transfers recently. I said absolutely not. The transactions/amounts were for {$980.00}, $ XXXX {$1300.00}. All made by the same individual and on the same day to be transferred to the same account at XXXX XXXX XXXX XXXX. I have attached copies of the confirmations of the transaction from NFCU. The agent then said she would cancel the transfers as there was enough time to do so. In addition, to ensure security, she would terminate my checking and savings accounts and re-open them with new account numbers. All this was done as promised. However, this resulted in several of my Auto Pay payees having my ACH payments declined. This resulted in late fees and associated interest charges. I had already set up 2 factor authentication and Voice recognition and expected my accounts to be secure. My questions are : 1 ) How was the perpetrator able to process the transfers when I was not involved in the authorization? 2 ) 2 factor authorization is supposed to enhance security. Why did it not work? 3 ) Why did NFCU not recognize three unauthorized transfers for almost identical amounts to the same party on the same day? Why did it not raise a red flag? The monies would have been transferred if I had not called NFCU. 4 ) NFCU has the account name and account number of the fraudulent party. Have they reported them to law enforcement?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75022
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received notifications from XXXX, XXXX, and XXXX stating that I've been sent to collections/and or have negative items damaging my credit score from all 3 credit bureaus. Identify theft was reported to Internal Revenue Service, Federal Trade Commission. I was told to have a police report with all negative finding involved with identity theft to continue process. Account name : NAVY FEDERAL CR UNION Account number XXXX. Account name : XXXX XXXX Account numberXXXX, I will like to get these collections off all 2 negative items on XXXX, XXXX, and XXXX off my credit report due to it being identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93657
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My card was used to make the following purchases between XX/XX/2023 - XX/XX/2023 : {$56.00}, {$5.00}, {$50.00}, {$75.00}, {$710.00}, {$27.00}, & {$2400.00}. I reported this to NFCU and they were reluctant to give me a credit knowing the emergency we were in because of this. They do not want to refund me my money that was defrauded from me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 358XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/24 an auto payment debit was attempted on my checking out for two separate loans from the same lender XXXX from my Navy Federal Checking Account. That checking account had non-sufficient funds. This occurred by my mistake forgetting to change my auto pay, I find Navy Federal Credit Unions duplicate fee in the same day to be predatory and causes a hardship on the member. They have previously had a class action because of their behaviors around their fee. CFPB previously acknowledges that fee range usually as high as {$19.00}. However Navy Federal charged me {$29.00} twice. They circumvented this by putting the fee on two separate days while the transactions occurred on the same days
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Dear Navy Federal Credit Union, I hope this email finds you well. My name is [ Your Name ], and I am writing to address a matter regarding my credit report. Upon reviewing my report, I noticed that an item has been marked as a charge-off. I understand that circumstances can lead to such situations, and I am reaching out to request the corresponding 1099 for this specific charge-off. Additionally, I want to provide context to my current financial situation. I unfortunately lost my job on XX/XX/year>, and despite my best efforts, I have not been able to secure employment since then. I attempted to communicate this to a representative in XXXX, but I continued to receive calls despite my explanation. I kindly request your assistance in providing the 1099 for the charged-off item, and I would appreciate any consideration given to my financial hardships during this challenging period. If there are any forms or procedures I need to follow, please guide me through the necessary steps. Thank you for your attention to this matter. I look forward to your prompt response and appreciate your understanding. Please send the 1099 to the address below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl. XXXX Thank you, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: NFCU has been reporting and billing me for loans and credit card repayment that, I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX XXXX XXXX, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the word credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31763
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a balance with a Navy Federal credit card that I paid off IN FULL. My credit report states that {$11.00}, XXXX was written off. That information is inaccurate. I paid that in full. I have disputed this, but it remains.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27518
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have a secured credit card with Navy Federal Credit Union. I'm not able to make payments on this card. I called their card services department to ask the account be closed and they can bill me for the {$20.00} late fee just incurred. The card services member informed me that the only way to close the account is to pay the late fee first. The implication is that if I'm not able to pay the late fee then the account remains open accruing more lates making it even more difficult to close the account. The credit card is secured and the interest for the month is {$4.00} but the late fee is {$20.00} which also seems to be abusive considering the amount of the interest due for the month. All I am asking is to close the account to not incur additional late fees and I will pay the late fee as soon as I am able.
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: In progress
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: What happened? On XX/XX/2023 I mailed my Income Tax Extension with a check for {$14000.00} as my tax payment. On XX/XX/2023 my bank statement shows that check # XXXX for {$14000.00} was payed out of my account, no other information in connection with this payment. XXXX I filed my income taxes, after they reviewed my return they sent me a notice dated XX/XX/2023 of unpaid taxes in the amount of {$14000.00}. I was sure they messed up as I had paid more than that in XXXX. I found my copy of the check I made before I mailed the payment then went to the bank to see the copy of the cashed check. It had been altered with a different payee and cashed by the Navy Federal Credit Union atXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA dated XX/XX/2023. I asked my local Bank Manager what I should do, he helped me file a request of XXXX XXXX of " Declaration of Unauthorized Endorsement or Altered Item ''. XXXX XXXX declined my request. My local Branch Manager called a supervisor asking why it was declined as it is inside the time frame of the statue of limitations. Supervisor said resubmit it, I did they denied me again. The XXXX Police took a report told me that the crime took place in XXXX so I tried to file a police report in XXXX, they would not do so telling me that I already filed a report. They have done nothing. XXXX Police tried to serve a subpoena for records at the Navy Federal Credit Union about this person who deposited my stolen check, they did not respond. Without further information the XXXX Police closed the case. I engaged a Lawyer for guidance who wrote a letter to both banks quoting the legal statutes that they are ignoring pressing for a response or legal action will be taken. No response from either bank.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92058
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: y : USA Description of complaint : On XX/XX/year>, I contacted Navy Federal regarding a transfer in the amount of XXXX on my account. The transfer was sent to another NFCU member. Navy Federal informed me that someone filed a fraud complaint on my account, in turn, NFCU gave me a provisional credit for {$2900.00}. I informed NFCU that I did NOT file a fraud complaint and I didnt not request a provisional credit. I informed NFCU that my relative logged into my account and completed a Navy Federal Credit Union XXXX XXXX XXXX, XXXX, VA XXXX XXXX ( XXXX ) XXXX If you have any questions or concerns, please contact the XXXX assigned to your complaint : XXXX serving XXXX Washington DC XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington , DC XXXX XXXX ( XXXX ) XXXX fraudulent claim without my permission. Navy Federal fraudulent claim without my permission. Navy Federal insured me that they would investigate the claim thoroughly. However, that did not happen. Within 72 hours, NFCU denied the claim without explanation. Two days later, I logged into my NFCU account and it was negative {$3000.00}! I called NFCU and they said that the provisional credit was reversed since I didnt not file the complaint. However, NFCU did NOT investigate who filed the fraudulent complaint, or the Memeber that the provisional credit was sent to. NFCU stole my incoming deposits to cover the {$3000.00} negative balance and I want a full return! If a customer is scammed, it is Navy Federals job to INVESTIGATE, not steal money from its customers to cover scammed accounts! I am also filing a complaint at the federal level. I am a Veteran and a homeowner. And due to Navy Federals negligence, I am facing eviction because they stole my money and refused to investigate a crime completed on my bank account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A