Date Received: 2023-11-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor, Navy Federal Credit Union has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish a account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit car account under an open in consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I filed a claim with Navy federal fir unauthorized charges on my account around XXXX XXXX XXXX weeks later XXXXXXXX XXXX my account was adjusted and all were refilled to my account. There were around XXXX unauthorized charges on my account and I dont believe Na y federal did a fair or proper investigation into the fraud charges. I never received any type of call or notice from a investigator or anyone they just reviled my account for all charges and did not properly investigate it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: All the items in question are on my XXXX Report. They have already been taken off of my XXXX Report. The following companies have run my credit, and I do not have any business with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Navy FCU - Hard Inquiry on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Navy FCU - XXXX XXXX on my XXXX report - XXXX XXXX, XXXX XXXX. XXXX XXXX - XXXX XXXX on my XXXX report - XXXX. XXXX, XXXX XXXX. XXXX - XXXX XXXX on my XXXX report - XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX on my XXXX report - XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX on my XXXX report - XX/XX/XXXX XXXX. Navy FCU - XXXX XXXX on my XXXX report - XX/XX/XXXX XXXX. XXXX XXXX - Hard Inquiry on my XXXX report- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: I have no knowledge about this loan so it is terribly affecting my credit score and affecting me from getting my own vehicles,, this is the 3rd time Ive made a complaint, how does the company agree if I didnt sign any docs or anything? Ive alredy explained that it was opened without my consent, Im lost after this point
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
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: I filed a credit card fraud claim in the amount of {$6400.00} and {$940.00} on XXXX and XXXX of the year XXXX. But recently I have gotten a letter in the mail saying that my claim was denied and that I owe that amount on my credit card starting XX/XX/. Navy Federal has not found any of the claims valid even though I had XXXX service and XXXX ability to use my credit card because I am XXXX XXXX so I get XXXX to wildfires two weeks at a time. The company has done nothing to resolve this except by putting me in serious debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: The creditor offered an offer for an extension of credit as a purchase money loan. I accepted the counteroffer in the amount of XXXX. In return for the credit in the amount of XXXX I sold Navy Federal Credit Union a Note for XXXX for valuable consideration. The note was payable to the order of Navy Federal Credit Union ( creditor ), signed by the ( borrower ) and dated XX/XX/2023 on its face in accordance with the Bill of Exchange Act of 1882. The creditor has continued to request other acts beyond the payment of the loan which violates simple contract law. They have now caused commercial harm by presenting negative and derogatory items to companies even while I complied with the payment of monthly bills. This is the second complaint filed for remedy. The last response was not accepted by the borrower and this is the second notice, giving the creditor an opportunity to cure.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/23 I made a deposit to my checking account at a Navy fcu atm. On XX/XX/23 I received a letter dated XX/XX/23 unsigned from the security department stating that they we're delaying {$270.00} of my total deposit of {$500.00}. j That they were taking this precaution because they have reasonable cause to believe that the check is uncollectible from the paying bank based on confidential information that indicates that the check may not be paid. There was no reasonable cause to doubt collectivity & this was an outright violation of section 229.13 of regulation cc. This was a check written from one of my accounts to navy fcu, the check was signed and listed my name & address.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77034
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have three unauthorized charges on my Navy Federal XXXX XXXX card that I didnt authorize and I submitted a dispute with Navy Federal and they initially reverse back the charges and now are denying my disputes to credit back my card. The three charges was charged at different times and I was credit back for the XXXX charge in XXXX and they came back six months later and credit it back to my card on XX/XX/2023 when charged me back for XXXX XXXX XXXX. I do not have an account with XXXX XXXX and I didnt authorize these transactions. XXXX XXXX {$2500.00} XX/XX/2023 XXXX XXXX XXXXXXXX {$2700.00} XX/XX/2023 XXXX. XXXX XXXX XXXX {$930.00} XX/XX/2023XX/XX/2023
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear XXXX XXXX XXXX NAVY FEDERAL, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from XXXX XXXX. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing Trust instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had a problem with my debit card information getting used for purchases I did not authorize. I also did not give my information out to anyone. I used my card once with XXXX and some employee hacked the system and took my info and tried to buy stuff but I was alerted by text and called the fraud department and it got resolved quickly. But I had to cancel my card and get a new one. Then somehow my card got used in a state Ive never been to for pizza. I saw the charge on my account and called the fraud department again and got it resolved. Well now the fraud department says that Im in violation of the debit card agreement. All my disputes were found to be valid and founded by the credit union so I dont know what I exactly violated. I read the agreement and have not done anything against it at all. But now I am told that I cant get a debit card for a year and that they have closed the matter. I have asked repeatedly for them to tell me exactly how this is my fault and why I am being punished and they will not give me an answer. I thought Navy Federal CU was a good institution until this happened but now Im feeling unfairly punished without good reason and I am being bullied by the fraud department. I want another debit card for my account and for them to make it so thieves cant get my info so easily. I dont use it very often except to pay bills on secure sites or on XXXX XXXX I deleted my XXXX account and am careful to not have my debit info out there. Can you help me please? If I just close my account then they win and can continue to treat other customers this way which is not professional in my opinion.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A