Date Received: 2023-11-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was a victim of fraud on XXXX. I contacted Navy Federal and they were aware of the fraudulant actions within 24hrs. I was told it was dealt with early enough and the individal did not get any money. One month later my account goes into the negative, i inquire as to how and why. They now state that the fraudster DID get the money he tried to get, and the negative balance I now see is because credits that were applied, have rolled off. They stated here, that when the investigation was done, I would recieve my money back. On XXXX ( yes, almosttwo months now ) I called to inquire the status of the investigation. At which point I am told it was found not to be fraud, and I am responsible for the money that was taken from them, via my account. I submitted a claim refuting this finding, and am now submitting this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This Complaint is Being Filed Against XXXX credit reporting agency and Navy Federal Credit Union according to the Fair Credit Reporting Act 15 USC 1681 section 602 it says " That it is of utmost importance that consumer reporting agencies carry out their responsibilities with honesty, clarity and respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to keep my personal information safe which is supported by 15 USC 6801 which says '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The companies listed below are financial institutions by definition under that title. Navy Federal Credit Union. 15 USC 1681 section 604 a section 2 says that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The company listed below and the Consumer reporting agency XXXX do not have my consent to furnish this information and neither do they have my written consent. Any and all consent to XXXX the companies listed below whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The companies listed below ( Navy Federal Credit Union, XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. I am now exercising my right to out of your reporting services.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I have a few accounts with this institution, some that I use more than others. My account ending in XXXX I hadnt used in a few weeks and kept receiving notices of returned payments. I called Navy Fed to inquire. I was advised the charge was for XXXX XXXX. I do not have a membership with XXXX XXXX and I have never been to a XXXX XXXX ever. I advised it was unauthorized. The agent assisted with closing the accounts and opening a new one. The charges were disputed. On this call I also asked why is it that we members dont receive full disclosure of the transaction that is returned. Members only receive a notice of the alleged attempt with the date and amount of the alleged attempt. Members dont know who tried or who to call and sort it out. Due to this we have received numerous fees because we are on a wild goose chase trying to find the merchant to stop the charge. I received a notice letting me know the merchant provided proof of authorization. However, this was not provided to me. I was sent a one page document claiming proof was provided ( attached ). When I asked for it, i was advised verbally proof had been submitted and I should reach out to XXXX XXXX. I have never done business with this company. I advised by NFCU and XXXX the charges were not authorized and I am still being charged for them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have experienced a few issues with this bank. The was a claimed I filed where XXXX XXXX took {$250.00} out of my account navel federal never showed me proof of authorization which I asked for in the initial claim and the dispute of the denial of the claim. Also I had a claim for XXXX where part of it was fully resolved and the other part is still being investigated. I dont understand that. When I called I was asked why I filed the claim so far out in a rude manner. Then when I called about it again I spoke to a XXXX that brought up accounts that were discharged in bankruptcy. She was very rude again like most of the reps I speak to here. They make you feel less than a person if you dont hold a certain status on your account. Ive even been told by a rep that I shop too much. Which is a violation of my privacy and unprofessional.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76248
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Closing on a mortgage
Subissue: Delays with the closing process
Consumer Complaint: I have applied for a HELOC XXXX times with Navy Federal Credit Union. The first application in XX/XX/2023 was turned down due to high XXXX ratios. However, XXXX subsequent conversations found an error in the amount keyed into the system ( a XXXX was missing ). The second conversation revealed my monthly income was listed as my annual income. The second HELOC application submitted in XXXX XXXX, the underwriter refused to use my rental income generated from properties owned by me through my single-member LLC. My current/third application, submitted in late XXXX has consistently asked for trivial things via piece-mail. For example, XXXX weeks ago, I was asked about proof of a $ XXXX monthly XXXX fee, and then the week after that I was asked for proof of land that I paid cash for. Then last week, I was asked for last year 's tax returns. I have over $ XXXX in RE assets, $ XXXX liquid cash in my checking/savings, no credit card debt, my car is paid for, my credit score is XXXX and by my calculation, my XXXX is 20 %. What has been additionally challenging is Navy holds the first mortgage on my home. Of which I pay nearly double the required monthly payment. This whole experience feels racist, unfair, deceptive, and dismissive of my loyalty and ease of ability to repay.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Card opened without my knowledge fraudulently. No wet signature from me was obtained. Amount of {$5700.00} closed on my credit report without consent, knowledge and fraudulently.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In accordance with the Fair Credit Reporting Act. Navy Federal account # XXXX have violate my federally protected consumer rights. Under 15 U.S. C.1681 section 623 of the FCRA and Regulation V that a creditor must not furnish inaccurate information to a credit reporting agencies. Navy Federal did not investigate this dispute to confirm that the information is accurate. I am writing to dispute and request the removal of outdated information from my credit report, as provided for under Section 15 U.S.C. 1681p of the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from XXXX Credit Bureau, I have identified information that is no longer relevant and should not be included in my credit history. Under 15 U.S.C. 1681 section 602A, I have the right to privacy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: Upon exiting the Forbearance plan, On or around XX/XX/XXXX, representatives from NFCU started contacting me to sign the XXXX XXXX deferral agreement. I applied for the SC Housing assistance grant on XX/XX/XXXX, and each time a representative from the bank would call between XX/XX/XXXX, up until the date I signed the deferral agreement, I explained to them I applied for the SC Housing Assistance grant. Each time they called me, they said if I did not sign the loan modification form my house would go into foreclosure and my credit would have been damaged. They sent me the XXXX deferral agreement XXXX or XXXX times before I signed it. When I signed this document, I did not know it would affect my grant. The representatives that contacted me upon exiting the forbearance plan led me to believe the grant would have still been applied to the debt once it got approved. On XX/XX/XXXX, I signed the COVID XXXX deferral agreement, On XX/XX/XXXX, I received an approval email from SC Housing for the XXXX, On XXXX XXXX a representative applied the XXXX to the account. When I noticed the amount was incorrect and the balance was still the same, I contacted NFCU, and nobody could tell me the problem. After pursuing the issue non-stop, on XX/XX/XXXX, a representative at NFCU explained the debt could not be paid because I signed a deferral agreement and not a loan modification. In addition to that, upon exiting the forbearance program none of the Representatives educated me on Forbearance exiting options. At that time, I submitted a loan to refinance my home and NFCU denied my loans twice. XX/XX/XXXX ( XXXX ) - Loan Denial Reason- Excessive Obligation to income. I immediately contacted the Loan Officer, and she explained my XXXX Loan payments were too high. After discovering the mistake, I provided proof my XXXX loan payments were not {$700.00} plus dollars, the payment was {$110.00}. XX/XX/XXXX ( XXXX ) -Loan Denial Reason-Insufficient Income Due to not being able to refinance my loans or get the assistance I needed, my payments for XXXX and XXXX of XXXX were late. NFCU reported the delinquent payment to the credit agency and my credit score decreased.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A complaint was made to Navy Federal regarding unauthorized charges applied to my Navy Federal debit card that was unauthorized by the consumer, As an investigations was requested from Navy Federal, against XXXXXXXX XXXX XXXX XXXX ( XXXX ) with verified receipt and proof of unauthorized charges, but still no resolution to date. Please see attached documentation, and request and investigation into ti why no resolution could be availed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I called my bank ( Navy Federal ) to ask what the safest way to send my money for a product/service provided by a company I wanted to work with was. The agent that had answered from navy federal had stated all third party apps were un safe ( XXXX, XXXX, etc ) and proceeded to say XXXX was the safest. I asked if I could get my money reimbursed in an event where the company did not give the services they promised. He then proceeded to reassure me that I could dispute the XXXX transaction and get my money back in an event where if I got scammed or did not receive what I was promised, promised as in ( the company and I had a contract ) that I could get my money back from XXXX and to just call and dispute it etc. so I decided to take his word and trust him, I mean he worked at my bank of 6 years+ why wouldnt I? That was a big mistake, after a long horrible business service was happening from the company that I sent my big amount of money to had happened he had said we could opt out of the contract and that we were done. I had screen shotted all of the conversations the merchant or business whatever youd like to call them and I had. He threatened me, harassed me with name calling in addition to saying our contract was done. I then called my bank to let them know what happened and to dispute the money and they told me I couldnt and that they couldnt get my money back because it was XXXX. Could you believe that I then proceeded to let them know what the employee had told me from their bank company, they did end up disputing it and requested evidence. No problem I sent all the screen shots I took and the contract from the company/merchant and the texts of him saying its voided etc. I waited patiently for a month plus. Decided to call and get a update they told me it would take 45 days ( its already been 30 days ) and to call back on Monday to get a hold of the debit card department. So I waited more until Monday and decided to call and get a update since Ive waited so long, and given them all the proof needed etc. The bank agent this time then proceeded to tell me itll take up to 120 days to even get a decision on if Ill get my money back. I informed her about their agents fault and she brushed it off like it was perfectly ok and not their fault but in fact my fault. She re assured me there was nothing they can do but wait for the scammer companys responses, even though they have the contract and texts from the company saying that it was voided and no longer valid. Also in addition to the fact I would have never sent my money at all if I knew that no payment service was safe the only reason Im in this situation in the first place was because the bank agent re assured me my money was safe if it got scammed and that I could dispute it. My money is just gone the bank wont give me any specifics on the process or whats happening Im supposed to just be sitting here waiting for my big amount of money but still pay off the loan. I did in fact pay for it with money I got loaned from the bank. So Im still having to pay for my expenses and day to day living but also the loan for the money that I havent touched and that got scammed from me. The whole situation is so unfair the big bank picking on their customers when its not even me at fault its them for their employee misleading/ lying to me and resulting in myself losing out on a lot of money and time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92056
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A