Date Received: 2023-10-24
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XXXX Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX NavyFederal XX/XX/XXXX XXXXt XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy.15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90301
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have credit protection on my Navy Federal credit card. I have been denied access to the credit protection program team. I have made multiple attempts to contact. I have received paperwork but can not get access to the team to give them information. Navy Federal has emptied my bank accounts and have threatened legal action if I dont pay. Even today ( XXXX ) I was not transferred to the correct team. I was only asked if I was refusing help. I answered the question more than once that I wanted to use my credit protection account. I am seeking help. Im still being denied.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: The company took my money and took my account I want my account back
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23803
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: XXXX XX/XX/2023 I wrote and mailed a check from my business checking account for {$6000.00} payable to a general contractor, XXXX XXXX and XXXX. The check number was XXXX and dated XXXX XXXX. On or about XXXX XXXX, the payee attempted to deposit the check via mobile app to their account at XXXX XXXX. The deposit was supposedly unsuccessful, so the payee attempted to deposit the check in person at a XXXXXXXX XXXX XXXX On XXXX XXXX, the {$6000.00} cleared my account. However, a few days later, the payee informed me that XXXX XXXX reversed two deposit transactions - one called a " return '' and one called an " adjustment ''. The net effect for the payee 's account was {$0.00}. However, my checking account remains {$6000.00} less because the funds were never returned to my account. I have attempted to resolve this with my bank, Navy Federal Credit Union, which claims they are not holding the funds. XXXX XXXX says they never received the funds and therefore can not return my money. Neither institution seems to know ( or care ) where the funds are, but all parties agree that they are not in my account. I have verified the funds have not been returned to me as of today, XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22310
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
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 claim on XX/XX/XXXX regarding multiple charges made on my Card. Navy federal then sent me a new card and refunded the charges back to me. However on XXXX just 3 days letter I get a letter stating the charges will be debited back due to them finding that no billing error occurred which is far from the truth. I have never done any business with any of these merchants in the past and if navy federal would of actually did their due diligence on this claim they would clearly see that. Furthermore I'm curious as to how it only took 3 days for them to come up with the determination doesn't seem like they investigated at all to me and I am not paying for charges that I DID NOT make. I have asked navy federal to provide proof on how they came up with their conclusion and they have refused to. Now I am being held Reliable for {$200.00} of charges I never made. I also filed a complaint back in XXXX with the XX/XX/XXXXagainst this company for the same charges and they never even responded to the complaint at all!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I entered into a debt consolidation program during COVID to work out payment settlements with some of my creditors. Some of the creditors that qualified and agreed to the terms and settlements of the program continued to report negatively even after accepting payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30297
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On Monday, XX/XX/XXXX I noticed my Navy Federal Credit Union checking account showed a {$200.00} debit for a check I had written and a {$200.00} debit from the account by a number that was not a check but had a similar last 4 digits as the other check. The online service would not show the check with strange numbers. I called NFCU and after over an hour and speaking with 3 different people, it was determined that the person I wrote the check to, also an NFCU member, had mobile deposited my check after endorsing the check for mobile deposit only and then subsequently cashed the same check illegally at a local branch. I was told NFCU would withdraw the funds from the account and return it to my account within XXXX XXXX. On Thursday XXXXXX/XX/XXXX I again contacted NFCU and was told it could take up to XXXXXXXX XXXX and that when the money was returned I would not be made whole, that the money would show as deposited on the day the money that they improperly deducted was returned. I was told the branch needed to return the money and there is no phone number for the branch, I could visit the branch in question if I wanted to discuss further. Clearly NFCU is responsible for deducting the money from my account twice and fraudulently. The money should be returned as if it was not deducted and I should also receive interest for the period of time they improperly deducted the money from my account. I contacted XXXX who advised I could contact CFPB about the issue. Having just looked at my account and seeing that my account has not been re-credited for the improperly deducted funds that were taken XX/XX/XXXX, I am contacting your office for assistance. While the person who presented the check twice is clearly at fault for double presenting and has made no effort to contact me or apparently the credit union, clearly the credit union is responsible for accepting the same check twice and debiting my account. It is unacceptable to expect me to also have to physically go to a location not near my home to discuss their error with them in person to facilitate the return of my money and further when the money is returned it should show as having been there since XX/XX/XXXX and I should be given the interest lost due to their error. I do not understand why if NFCU could clearly see 6 days ago that they made an error over 2 weeks ago, that should never have been allowed, that I am still waiting for the return of my money. I am thankful I had enough in my account to cover my other debits but this is just wrong and should not be allowed to happen. I also should not have to continue to call NFCU and check my account to see if the money has been returned, they should keep in contact with me to keep me apprised of their efforts to correct the fraud they are aware of.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was send a pre approval email stating I was already approved for a Navy Federal credit card I was send a misleading email every day for months to apply, when I did finally apply I was denied.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I authorized payment to XXXX on XX/XX/XXXX for a total of {$11.00}. By the following day there was two charges from XXXX equaling {$220.00}. I immediately contacted my credit union. They put in a fraud claim and gave a temporary credit for {$220.00} on the same day and said that those charges would be investigated. The claim was denied for that. I also called XXXX and notified them on the same day. According to XXXX, the only charge they made is the one that I authorized. On XX/XX/XXXX, XXXX had charged over {$1600.00}. Totally depleting my bank account. Also, there was a charge of charge of {$11.00} from XXXX XXXX XXXX. I called that number. and It is some kind of electric company that I have never heard of. I called my credit union back. They put in a claim for that along with the other amounts from XXXX. I had a total of three claims. All three got denied. The credit that they gave me they are taking it back. All I got for the explanation was a generic letter. XXXX thinks that they were spoofed or someone used my debit card and ordered things from XXXX. My credit union is refusing to give me any refunds. They have denied all claims. That money got stolen from me. My card was compromised. I have to pay bills.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33782
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This is an ongoing issue involving a fraudulent claim initiated on XX/XX/XXXX. The unauthorized charge took place on XX/XX/XXXX, totaling {$1500.00}. My personal information was compromised, leading to multiple charges across different financial institutions. We managed to resolve all claims with the other financial institutions except for the Navy Federal Credit Union. When I initially filed the claim on XX/XX/XXXX, the representative mistakenly categorized it as a disputed charge rather than a fraudulent claim. A few hours later on the same day, this claim and disputed charges were marked as resolved despite completing a thorough investigation. The standard investigation process at Navy Federal Credit Union typically takes XXXX business days to several weeks, but this swift resolution seemed out of the ordinary. I brought this issue to Navy Federal 's attention, and they acknowledged the filing error, advising me to follow up via their app 's message center for a review. They assured me that I'm protected under the Zero Liability Policy, which should provide a provisional credit while the investigation is conducted. On XX/XX/XXXX, I sent a message through the app message center, attaching supporting documents such as the FTC Report, a letter from my attorney, and a statement from the merchant confirming the need for a credit. I received a response on XX/XX/XXXX, assuring me of a provisional credit of {$1500.00}. However, I never actually received this provisional credit. Concerned, I reached out again on XX/XX/XXXX through the message center, only to be informed that the case was closed because no error had been found. On the same day, I filed an appeal, attaching additional documentation. Unfortunately, there was no response beyond an auto-message on XX/XX/XXXX. Frustrated, I contacted Navy Federal Credit Union, where a representative advised me to use the message center once more. On XX/XX/XXXX, I received a message stating that the appeal was under review, but there was no subsequent response through the message center. Instead, I received an auto-response letter in the mail, reaffirming that no error had occurred. Yesterday, XX/XX/XXXX, I called in and was directed to a specific team to address the issue. The representative suggested that I call back on XX/XX/XXXX due to the time zone difference. Today, when I contacted the bank, the experience was deeply unpleasant. The representative laughed, refused to transfer me to anyone else, advised me to involve the police, and hung up on me multiple times. This occurred despite my calm communication about the severity of the matter. Moreover, a supervisor in a recorded call acknowledged the initial claim 's incorrect submission but claimed they couldn't rectify the situation. I'm extremely frustrated and disheartened by the way I've been treated. As a loyal member of this financial institution, I expected better protection and assistance, especially given the legal documentation I've provided. This situation has left me deeply disappointed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90012
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A