Date Received: 2023-11-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 a furniture store failed to deliver usable furniture. They tried to deliver damaged furniture. I did NOT sign for the delivery and refused delivery. I tried to work it out with the furniture store and they NEVER redelivered the furniture. After not being able to rectify the situation with the company I called Navy Federal Credit Union to reverse the charges of XXXX. Navy Federal advised the merchant sent them a delivery receipt that I signed along with a statement from me I clearly did not right as well an altered finance company contract which the merchant blocked out my paragraph which stated I am not signing for delivery until I get the item in a new condition and me denying the charges. I clearly did not sign for this delivery. Navy Federal failed to fully investigate and even with me sending them proof of contract and proof of altered contract along with FTC complaint and Police report they still charged me checking account and refused to refund my account. As per 15 usc 1681 once they were advised of the identity theft which in this case Aggregated Identity theft because my name was forged and business records were altered they were supposed to protect my consumer rights and block this merchant from recharging and return the payment as per their own fraud protection measures on the Navy Federal Credit Unit site once supplied with the Identity Theft affidavit and Police report information. I went so far as to send them my index number for my civil suit for fraud, identity theft and breach of contract. Navy Federal Credit Union continued to Violate my Federally protected rights and not charge back the merchant.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Dispute of Inaccurate Information on XXXX Credit Report Dear XXXX XXXX Department, I am writing to dispute certain information on my credit report, which I believe is inaccurate and in violation of consumer protection laws, specifically 15 U.S. Code 1681s2, 1666b ( a ), and 1681a ( 2 ) ( 1 ). These inaccuracies are adversely affecting my financial well-being and hindering my ability to pursue employment opportunities. I am providing detailed information below to help you understand the nature of these inaccuracies. Account Information : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Closed. {$170.00} past due as of XX/XX/XXXX. Status Updated : XX/XX/XXXX Inquiries : There were three inquiries on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these inquiries and believe they are inaccurate. Addresses : I also want to address the issue of multiple addresses on my credit report. There are several addresses listed, including : XXXXXXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX have no affiliation with these addresses, and they should not be associated with my credit report. The only accurate address that should appear on my account is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please delete the incorrect addresses and retain only the one I have provided. Late Payments - Violation of 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1681a ( 2 ) ( 1 ) : The credit report reflects late payments that are inconsistent with my actual payment history. According to 15 U.S. Code 1666b ( a ), these late payments must accurately reflect my payment history, and any inaccurate information is prohibited. Late payments are also illegal under 15 U.S. Code 1681a ( 2 ) ( 1 ), as they affect my creditworthiness, credit standing, and capacity, which is a violation of the Fair Credit Reporting Act. Investigation of Disputes - Violation of 15 U.S. Code 1681s-2 ( b ) : As per 15 U.S. Code 1681s-2 ( b ), I have previously disputed this inaccurate information with Experian, and you have a responsibility to investigate and report the results of the investigation to the consumer reporting agency. However, the inaccuracies have not been rectified, and I believe this is a violation of the FCRA. Unauthorized Access - Violation of 15 U.S. Code 1681 : Any person who obtains a consumer report from a consumer reporting agency without a permissible purpose or under false pretenses is liable under 15 U.S. Code 1681. I request that you review the circumstances under which my credit report was accessed and ensure that it complies with the law. I kindly request a thorough investigation into these inaccuracies, their immediate correction, and an updated credit report that accurately reflects my credit history, including the account details, inquiries, and addresses provided above. Please provide a written response regarding the outcome of this investigation and the actions taken to rectify these issues within 30 days, as required by law. Enclosed with this letter are copies of documents supporting my claims, including payment records, correspondence with creditors, and other relevant information. I expect XXXX to take prompt action to rectify these inaccuracies and ensure compliance with federal consumer protection laws. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
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 disputed a botched XXXX done overseas. They closed the dispute without providing a provisional credit or contacting the merchant. I received an email stating dispute closed due to no documents provided but no one called or wrote what documents were needed. I provided medical records and an email showing the pffice is refusing to see me. I also can not be seen in the XXXX since no doctor will treat me due to being seen in XXXX and they are forcing me to provide documentation that can not be provided.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 87108
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I'm upset that I am having to file yet another complaint against NFCU and their mortgage division. I am in a difficult financial situation now since my spouse passed away and losing quite a bit of income. I updated NFCU as to my current situation I also speak for a few who feel bad they they are having trouble meeting their monthly expenses like I am. Today XX/XX/2023 I made my past due mortgage payment before it was 30 days late and reflected on my credit report as delinquent. After I set up the payment as I always do only to have it rejected with a notification to contact NFCU by phone to complete the process. I was LOCKED OUT of my account and could not process any payment online like I have every other time except once when I was late making my mortgage payment then but assumed it was not their common practice.especially after a lawsuit alleging the very same behavior a few years ago. Clearly NFCU is not concerned with their customers experience in making payment 's on their loan. I told the customer service rep how upset I was and she agreed that this practice is common and unfair. Additionally over the course of a few weeks NFCU called my cell phone a minimum of twice, sometimes 3 times a day every day which is quite a bit more than they are allowed to do by law.In fact they completely filled up my voice mail. I know I am late but to have them harass me on the phone especially while I am going through the grieving process after losing my spouse suddenly is too much to bare.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I held money in my savings account with intentions on using the funds for a large purchase the sum was XXXX XXXX Upon moving the funds to my checking because they were still available to me, from what Ive been told, Navy Federal also withdrew the full amount of my savings and moved it to my checking without my knowledge or approval. This made my Savings negative. I have no proof of the funds being used and no answers as to why such a large amount was moved. When trying to talk to Navy Federal a woman just told me thats their policy and hung up on me. Now they are threatening to charge off my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Re : XXXX XXXX XXXX again disputing this amount XXXX. This was wrote off from Navy Federal then Conserve and now XXXX company brought the collection. It is the same dispute. I file a complaint and dispute XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. Im a victim of fraud and attach is the police report filed then against Navy Federal. I also filed online XX/XX/XXXX and adding the the copy of the police report again. This needs to be removed and stop being brought out by other company trying to money from me. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46226
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Septemeber XXXX, XXXX I purchased an oil change, an a Tune-up from XXXX on XXXX XXXX XXXX in XXXX Tx XXXX When drivin my vechile I noticed not only was the light i went in for was still on the next day XXXX. But it was always still doin and acting the Same way I took it to them. I immediately called XXXX to report my concern. I was told to take to SOMEBODY else s XXXX. So I called Navy Federal to have my funds of {$770.00} returned back to me cause I paid with No problem, when in Fact XXXX DIdnt Even Preform the Service AT All. After I was temopary refunded my {$770.00} thru Navy Federal, I then called a Mobile Mechanic called XXXX XXXX. They cameout to my home on XXXX. I hired them to actually see if I had gotten what I gladly paid at XXXX to get the tuneup, I allowed the mechanic to preform A diagnostic on my XXXX XXXX XXXX, to confirm or NOt whether I got a tune-up from XXXX. I also Didnt mention I took it to anyone previously, so I could get a honest answer. The mechanic completed the diagnostic, An the tune-up was listed on the diadnostic report, which indicates XXXX didnt DO the job or service I paid for on XXXX. Ofcoarse now with Navy Federal reviewed the dispute of the {$770.00}. And went in favor for XXXX, Navy federal emailed me stating the claim is Resolved they said, we have investigated your debit card claim {$770.00} against XXXX XXXXXXXX XXXX We found that no error occurred and Navy federal was unable to process in my favor. Now Navy Federal is trying to retain my XXXX direct desposit for the ammont of {$770.00}. Which now my checkin account is negative- {$750.00} which has cause many financal problems for my house, it also means when my XXXX money desposit on the Directly on XXXX Navy Federal will Take! I VERY distraught about this matter. For one I have no problem paying for anything, Second I not PLEASED to be connect with a Financal Company that allows people to be COMPLETLY ROBBED of All thier fianances for the Month to pay XXXX, When clearly They didnt preform my Service that I went in for on XXXX which was the Tune-up. I also Had to Take to another mechanic to get a tune-up preformed. When commuincating abot this matter OR any matter concerning my Financal REquest it sees That NAVY federal, it belligerent, NOT helpful, AN they CREAt financal issue in my account an when you try communicating Navy federal will hang up, refuse to give you info About my Accounts an money. This very disturbing an stressfulto me an my family. Ive sent reciepts after receipt An it seems to me Navy federal is Not actually taking the time to REVIEW my documents I sent or THey are just AND UNJUSTICE FINANCAL COMPANY. PLEASE HELP. I also when see on my account that I was negativ ein my account I went up to NAVY federal to speak in person about matter XXXX An also to resubmitt documents to support my claim but with a Navy Federal employee. The Manger name was XXXX XXXX she sat down with me to submitt 1 NEW reciept to the Dispute department that they say is not there at location.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78681
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX XXXX My navy federal debit card was stolen and a phone was taken as well. They accessed online and changed info. Then stole {$900.00}. Around XX/XX/XXXX I received mail from navy federal go prepaid that I were receiving a permanent provisional credit. This fraud took place around the same exact time XXXXXXXX XXXX XXXX XXXX XXXX i realized my wallet and my sons phone was gone. I then read emails in my phone saying my providers card account sent money to my sons XXXX XXXX XXXX that we didnt have totaling {$2300.00}. I never sent my son any money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06605
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I had two unauthorized transfers on my checking account at Navy Federal Credit Union. There were two transfers for {$50.00}, totaling {$100.00}, stolen by a person claiming to be my son. My son was XXXX and I have not seen him or spoken to him for almost XXXX years. He also does not even know that this bank account exists. Also, even if he did know about this account, he would never transfer money out of it without discussing it with me first. I told the fraud team at the bank all this information and they called me a liar. They said that the person who took the funds out of my account was in fact my real son and his name was XXXX XXXX. First of all, that is not my son 's name. And second, I don't know anyone by the name XXXX XXXX. No one has ever used this account except me. No one knows about this account except me. The message from the bank said I would need to discuss this transaction with XXXX XXXX. I do not know anyone by that name. And no one has my permission to take money out of my account. The fact that the bank fraud team were denying my claims suggests to me that there are suspicions for bank fraud. I also show that there is someone accessing my online banking from a XXXX computer using a XXXX browser. They are hacking my account. I do not ever use or own XXXX products. This could very well be the same person that fraudulently transfered funds out of my account. I would like to get to the bottom of this fraud claim and have the funds that were stolen fully reimbursed to my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76106
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am in distress, having fallen victim to a distressing incident of identity theft. On XX/XX/XXXX, an unauthorized withdrawal of approximately {$1100.00} was made from my checking account. This transpired when my wallet, debit card, and cell phone were stolen by an individual I unwittingly brought back to my hotel, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. To make matters worse, this person XXXX XXXX and absconded with my belongings. Upon discovering the theft, I promptly reported the incident to the hotel 's front desk. Regrettably, their initial response did not involve contacting the police. It was only after I firmly insisted that they made the call, leading to a considerable delay of approximately two days before the police arrived. Unfortunately, the language barrier proved to be another obstacle as they did not speak English. Through the use of a translator on their phone, I tried to explain the incident and expressed my desire to file a police report. To my dismay, they informed me that this was not within their purview and that I would need to report the incident at a police station. However, they did not provide me with an address or any means of contact. In an effort to rectify this unsettling situation, I swiftly filed a complaint with Navy Federal Credit Union, the institution with which I hold my account, regarding the unauthorized transactions and withdrawals that had occurred in my checking account. I filed this complaint on approximately XX/XX/XXXX. In response, they assured me that they would temporarily credit my account with the stolen amount and conduct a thorough investigation into the matter. As a result, my account was credited with {$910.00} on XX/XX/XXXX. My hope was that justice would be served and I could be made whole again, but my optimism was short-lived. On XX/XX/XXXX, Navy Federal Credit Union abruptly reversed the credited amount, stating, " Based on a thorough investigation of your account activity, we have determined that no error has occurred. '' I am reaching out in desperation, seeking assistance and support in resolving this distressing situation, and to be made whole once more. Your understanding and help during this trying time would mean the world to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19601
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A