Date Received: 2023-10-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have sent NFCU a letter stating that I was exercising my right to opt out of the information being reported on my consumer report, per 15 USC 6802 as well as, 16 CFR 313.7 ( F ). Also taking back any authorization I may have given them. I have also sent a negotiable instrument in the form of an endorsed Security to NFCU and to their XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discharge the credit card debt stated on my report. My account was never updated which is being reflected on my consumer report. Since payment of the debt was delivered this is a violation of the FCRA for reporting inaccurate information. A copy of the security sent will be attached as well as, the notices I sent out to NFCU.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: i applyed for a home loan on or about XX/XX/23 i was denied based off my credit and the color of my skin they never reviewed my check stubs they never let me send them in the just denied me i was pre approved and when i applied i was denied
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53704
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/23 I noticed information being furnished on my consumer report regarding utilization and late payments. I have reached out to the creditor and the reporting agency, regarding the inaccuracies and unfairness. I requested that the late payments and utilization to be deleted due to privacy. The information being furnished on experiences and transactions are supposed to be excluded from consumer reports. Consumer reporting agencies are supposed to report accurately by the guidelines given in the fcra and they are not doing so.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX a stimulus deposit of {$2800.00} was deposited into the NFCU into an account that was not ours. The IRS sent inquiries 3 times for the NFCU to return the funds that were deposited. On XX/XX/XXXX I contacted the NFCU about why the inquiries were not answered. On XX/XX/XXXX I talked to the XXXX XXXX. and was told that the funds were sent back. On XX/XX/XXXX I contacted the IRS about the stimulus deposit being returned and was told that the NFCU still had not responded back. Called the NFCU with the information they needed about the inquiry. Their answer was that they couldn't find the inquiry. To have the IRS FAX the information to the ACH Dept. The IRS does not call banks about accounts. A supervisor at NFCU told me that they do not care who's name ( s ) are on deposits into accounts. That there is nothing the NFCU can do to get my funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My information was missing used I didnt authorize Navy Federal to pull my credit report for any loans or credit cards.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 358XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I'm writing to let XXXX XXXX how unhappy I am with the assistance your fraud department provided. I was notified that my claim for fraudulent activity on my account was denied by the funds getting taking out of my account after I follow up with a phone call to see what was going on From XXXX to XXXX my claims have been denied with me not receiving any notification if I wouldn't have called to find out how my claim was progressing I would had never been informed of this decision. In addition, I didn't receive a request for any supporting paperwork for my claim or an explanation of the decision-making process. I am quite concerned about the security of my account and the lack of openness in your claims process because I was the victim of identity theft. Which I have mention to you guys several time. I constantly ask that if you could send me a thorough explanation of the reasoning behind the decision to rejecting my claim, along with any supporting evidence that was not sent to me when I was informed that my claim had been rejected I have yet to received it. I filed a claim on XX/XX/XXXX; however, XXXX of the XXXX XXXX customer service agents processed it improperly due to the fact that I told her I was not suppose to have a debit card in which my ex-fianc which was abusive hit me just one to XXXX times so I grab what I could and left. So the XXXX wanted to go back to XXXX when I said no and she stated that is when I did not have a card but I was watching my account. She insist on doing what she wanted to do after I told her no. My account was consequently put in a compromised condition, and I had to submit further supporting paperwork. Even after providing the necessary papers, I had to reset my username and password on XX/XX/XXXX and it took me over five days to get back into my account after I had emailed it XXXX times. Upon getting access to my online banking, I immediately noticed that nothing had been demanded of me from the fraud department .This was my first action after checking my message, which was related to my claim. I find the way this problem has been handled to be very frustrating and disappointing. I would like an explanation of what went wrong and a refund of any fees related to this matter from Navy Federal Credit Union. I'm so unhappy with the service I've been receiving from this bank. Then is happen to me there was a {$9600.00} change made to my account on XX/XX/XXXX. But, I couldn't use the money until I had my identification confirmed, which I didn't do until XX/XX/XXXX. Since I have yet to receive any correspondence regarding the claim, on XX/XX/XXXX, the provisional credit was applied to my account. My account was debited {$9300.00} on XX/XX/XXXX. When I contacted to check on the matter, I was told that my claim had been rejected and that they were under no obligation to give me with an explanation for the credit 's reversal or denial because it was for more than {$3000.00}. The supervisor of fraud I dealt with on XX/XX/XXXX told me that information on the claim stated that anything that is over {$3000.00} and that I was unable to obtain any information regarding it from the Usually, I get some kind of paperwork that I didn't receive when a claim is rejected. Furthermore, I am informed when a credit is being reversed, whereas previously I was not XXXX asked to see that in writing dealing with a claim of {$3000.00} that was rejected or overturned without the required notice or paperwork. I have been a devoted member of Navy Federal Credit Union and everything I have been thru up to this point, I have never experienced any treatment, lack of respect of and question me want tell me that since the XXXX XXXX XXXX but the claim in wrong he said that I just have to deal with it. I asked him again sine some one on your team put submitted my claim they way they wanted to and not like I ask them I have to suffer the consequences because all of the charges she put on their from XXXX to XXXX was not suppose to be apart of that claim I ask for them to reimbursement he said they can not do that. I was notified on XX/XX/XXXX that my claim had been rejected or overturned for no specified reason. But before this choice was taken, I received no notification or accompanying documentation. They were begin dishonest to me the information was suppose tp be found in the XXXX XXXX XXXX XXXX disclosure, per the fraud supervisor he told me when I called in on why I was not notified about the claim denial and credit reversal. Nevertheless, I discovered after reading the disclosure that it was inaccurate he did also and wanted to apologize no I am feeling some time of way. My claim has been rejected XXXX times now, even though I have not be requested to send in supporting documentation. I haven't heard anything about begin denied or been given an explanation for why they were denied all 3 times I had to call in and asked then they give me the excuse that I did not go out or they would say we mailed to you which is not true because I am go green paperless so who did you send it to. I really feelin like I am begin played with, financial harm, economic injustice and victimize. They told me so many times it nothing we can do for you after their XXXX submitted by claim in XXXX the wrong dates and I did not received any notice of claim denied for requesting additional information .When I asked about the XXXX Liability they just said it is nothing I can do but file an appeal again and I still don't have access to my debit card after I filed an appeal XXXX weeks ago. I have asked them several times to give me a thorough explanation of why my claim was rejected and why I was not informed that the credit had been reversed, Why I was not notified
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: These account were open but my identity was stolen so someone used these cards and I was left to pay the balances
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43227
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: This all started on XX/XX/XXXX found out when I logged into my Navy Federal someone put in {$1000.00} into my account and then took out {$1000.00} again to the XXXX apparently took out a cash advance which never do. I tried to dispute this with fraud companies, but they said it came from my cell phone which didnt make any sense. I have no idea what to do. I dont even know how to explain it because it happened so fast they tried to take a {$4000.00} loan out or a {$5000.00} loan out. They tried to take cash advance out when I told him that I did not do this, and I changed my whole account. They proceeded to tell me That there was no fraud that happened and they wont tell me how they knew that it was through my cell phone. I am completely devastated because now I cant pay for my XXXX whatever it is credit card. Also, with this Navy Federal gave me {$1000.00} I put it into my credit card to pay off my credit then Navy Federal took back that XXXX XXXX. It is extremely confusing and I dont understand what happened and who did this
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I rented a car from next car in XXXX it was to be a four day rental it happened on XX/XX/XXXX and on XX/XX/XXXX I had a blowout on the tire I tried to contact the rental car company and could not reach anyone I left a message at the office that I rented the car from and I also left a message at the XXXX number I could not continue to drive the vehicle because the spare had a limit of 35 miles per hour and I was on a highway that had a 70 mph speed limit finally on Monday someone called me back I gave them the location of the car they came and got the keys and I'm not sure when they pick the car up the whole rental would have been XXXX which they pre-approved on my Visa debit card on the return of the vehicle I would have gotten my {$300.00} deposit back the next thing I know they billed my debit card another {$490.00} for a total of {$1000.00} for a less than 24-hour car rental I have tried to speak to them in regard to this which they refuse they then turned around and filed a claim with my insurance XXXX has denied their claim because they refuse to provide details or an inspection of the vehicle to them I believe this whole thing was a big scam I had to go through two previous cars with them before I can get one car that was safe to drive I disputed these charges with my Navy Federal credit Union account and they said the decision was ultimately up to XXXX and because the next car rental company provided a rental contract with my signature on it they allowed the debits however the document they submitted for the {$1000.00} was not a document I signed I signed a document for {$590.00} they altered the original document and added charges to it and that is what they presented to Navy Federal credit Union and Navy Federal presented to XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 451XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card with XXXX XXXX on XX/XX/23 and was denied. I contacted them on the same day and expressed my disapproval for the decision. Made them aware that I have a right to my securities and that if they wont give me my securities then to retract my application. They have ignored all attempts of resolving the issue. Contacted them again on XX/XX/23 basically repeating what I stated earlier. They denied me again on XX/XX/23 and gave me a final review of my application on XX/XX/23 and told me the denial will not be reversed and that is their final review on the account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A