Date Received: 2023-10-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I just noticed a hard credit inquiry from Navy Federal Credit Union on XX/XX/2023. There was no direct benefit or authorization for Navy Federal Credit Union to access my personal information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46256
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Navy Federal Credit Union cut off access of me using my cards knowing its my own credit that was granted for life, liberty and pursuit of happiness. They also never applied the presented securities to my account creating mail and security fraud. They withheld me from achieving excellence with my credit since banks dont loan money via XXXX and denied me a credit increase, which is eminent domain. The law states that anything over {$1.00} can be claimed and redeemed, which my rights were also denied.These unlawful actions are a breach of contract.I demand compensation and accounts be fixed and in good standing with unlimited access.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are hard inquiries on my credit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of these inquiries they are all in the same year and less then one to three months apart which does not make sense. Also I have hard inquiries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX same activity same year months apart that I did not authorize and would like to have them removed/delete from my credit report immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Monday XX/XX/16 I went online regarding a personal loan. Tuesday a gentleman called me from a company called XXXX XXXX. We offered me a {$2100.00} loan at at a favorable rate. I gave him my routing and account number. XXXX later, {$2100.00} posted to my account. I called to let him know that the funds posted. He then stated his supervisor disagreed with the rate he had given me and he would have to raise the rate which was doubled. I was extremely upset and told him that I'm returning the funds asap. He gave me XXXX XXXX info to send the funds. The transactions wouldn't go through. He said I can mail a check. I responded I'm a XXXX XXXX, XXXX from home and will not be home for another XXXX weeks and by then, a payment will be due and then I'm committed. He stated the only other way I could get the funds back to them immediately is go to XXXX and get gift cards and send them the info from the cards. It sounded strange to me but I didn't care. Not thinking it's any kind of scam because I have their money. Come to find out the next morning by Navy Federal, they somehow accessed my account and debit card number. Filed a bunch of disputes on previous transactions to total {$2100.00}. It's destroyed now but I had my debit card in my possession. Didn't give ANYONE my login credentials or debit card info. Now Navy Federal is holding me responsible. I've been out of work due to illness for the past month and extremely short on funds. That's why I was looking for a small loan to pay some bills until I get back on my feet. I've gotten fraud alerts and my card temporarily shut down trying to by XXXX out of XXXX because their system felt something isn't right. But submitting a bunch of disputes in a XXXX min time frame didn't raise a eyebrow. Ive been fighting identity theft issues for the past few months. It consisted of someone applying for credit products in my name. After the Navy Federal representative told me they had all my info, I thought my phone might be compromised and I did a master reset on the phone which deleted the forms I was sent via links in texts. I have no idea what to do.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/2023 Way too many customer complaints with this XXXX XXXX. It is run like a military draft school with rules that defy logic and are at best self serving. Communications with escalation supervisors not forthcoming. This am, after many calls and emails I decided to pay off my car loan. I tried but they were not accepting of my linked, domestic bank accounts. The same kind of accounts they transfered my loan agreement to my car dealer. Only because I am paying off my loan they want to break up my final payments. This is not an international financial transaction. I owed {$12000.00} plus dollars and they only accepted {$10000.00} and told me to schedule the overage for the next day. I suspect its to make sure they can squeeze more intrest or penalize money out of you or better yet a late fee. Very sketchy!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01089
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: A subject entered a Navy Federal credit Union branch on XXXXXXXX and deposited an altered / fictitious check into our account, then withdrew {$2000.00} from our account in the same transaction. We reported it on the same day as soon as we recognized the activity. We went through the fraud reporting process that night. We are still awaiting investigation and a reimbursement after 13 days.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was a victim of identity theft, and I called navy federal and explain the reason why I should not have a late payment on my account. I was instructed by a respresentative of navy federal not to pay the secure credit card at the time I reported identity theft. Which that date was XX/XX/XXXX. I was in Arizona at the time the crime was committed. I was instructed by the police at the time to call all banks and credits cards and put a stop/lock on everything til the investigation was finish. once the investigation was over I went back to pay the secure credit card as normal. I thought navy federal understood the situation at hand, when I called this year of XX/XX/XXXX and reported identity theft with proof that it happened again is when I find out they reported a late payment.I don't understand what's the issue on a secured credit card of {$200.00} that is now closed. please all I ask is that the account be updated to show no late payments
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48038
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am a victim of identity, fraud identity theft, misrepresentation and theft by deception and unauthorized use of credit I reported to all agencies about the unauthorized use of my credit the list includes XXXX XXXX XXXX, XXXX XXXX, NAVY FCU Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX + XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquirv : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX Inquiry : XX/XX/2023 I lost my wallet with my State Identification card in it. On XX/XX/242023 I noticed an inquiry on my credit report from XXXX XXXX XXXX XXXX. This information was reported without my knowledge or consent. I am a victim of identity theft and fraud as have filed a police report with the FTC under report number XXXX. These Companies has violated the Fair Credit Reporting Act by reporting information that is false or known to be false. They ignored the fraud alert on my profile thus violating my right to privacy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account was fraudulently used. I am a victim of identity theft. Someone walked into a branch impersonating me and deposited a fake check. Also during that time my accounts were compromised and money was transferred to unknown individuals. I notified the bank immediately same day of the fraud concern. I was told that they saw suspicious activity on my acct and was shutting it down. A few days later they emptied my personal account of {$7500.00} stating that it was being used to cover the money that was fraudulently taken from the account. I contacted them immediately and advised thats all the money I had to support my children and pay my bills. They did not care, advised me to file a claim and wait. Later they denied rage claim saying that I endorsed the check, and agreed to text. Although I shared during that time I had possession of my watch but not phone. Never got any notifications to my watch so I was unaware of those transactions. I requested video footage be pulled from bank, atm, and that everything be reversed due to fraud. Im literally being victimized twice. During my time with NFCU I have over XXXX in my account, i didnt authorize any of the charges, they keep denying the claim saying its no fraud but how is that when someone went into a branch impersonating and signed a check as me. Then I have proof that it was multiple devices that was logged into my cash app that I had to request be removed. No one can verify where the money was sent or reverse the transactions which makes no sense. NFCU has done nothing to help me as victim, instead they have victimized again by penalizing me for something that I notified them immediately of. I would like the fraud claim closed as approved ; my account adjusted and my money returned. I have multiple accounts and I refuse to do business with a company that does not protect its consumer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29605
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
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: Merchant : XXXX XXXX Date Posted : XX/XX/XXXX Amount {$1000.00} Transaction : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} *Formal complaints filed with XXXX, Texas Attorney General, and FTC , attached as PDFs along with correspondence between me and the merchant. I purchased a mattress from XXXX XXXX last year and it was defective. Immediately, I let them know that the mattress was not what it was supposed to be. 1 ) I was told when I purchased that it was not a Bed in a Box mattress. I asked because I'd heard that they often have issues. 2 ) It never inflated properly and was basically unusable. When I connected with XXXX XXXX in person, they gave me an email address to send pictures to. When I sent the email, I was told that my sale was final and that the manufacturer, XXXX refused exchanges. I went to XXXX to understand why. They said that the sale of the product to another business disconnects them from further consumer issues with the product and that they would not have been contacted about this purchase. When I reconnected with XXXX XXXX, they said that I could exchange the mattress for the same mattress or purchase a more expensive mattress. I told them that I'd rather have my money back as I needed something sooner and I'd already been deceived in person and by phone. Also, Texas state law says that sales on defective products can not fall under " All sales Final '' policies. To date, I have filed multiple complaints with no resolution. I have filed more than one dispute with Navy Federal Credit Union after exhausting all options to rectify the situation alone. They denied my claim because it fell outside of their 60-day policy though XXXX XXXX Core Rule 13.3 allows for 540 days. XXXX Core Rule 13.3 states that for reasons of defectiveness or " not as described '' items, XXXX allows up to 540 days for disputes. They also state that the cardholders expect for their core rules to be carried out by card issuers. My understanding is that In disputes involving XXXX Core Reason 13.3, the merchant ( XXXX XXXX ) may not avoid liability by directing the cardholder ( Me ) to seek resolution from the product manufacturer ( XXXX XXXX ), which they did. Likewise, 13.3 supersedes the merchants ( XXXX XXXX 's ) refund policy, which is what they quoted -- no returns or refunds. This policy is also against the Texas Attorney General 's Deceptive Trade policy. A 13.3 chargeback may also be used when the merchandise ( the mattress ) arrived in damaged condition ( which it did ), or when the cardholder is disputing the overall quality of the goods or services they received. So when the merchant is deceptive, the manufacturer is not to be involved, and the customer goes through 100 hoops to rectify the situation because the card issuer has a policy that discourages chargebacks before attempting to solve the issue yourself, how does a consumer fall within a 60-day policy? And still, when all criteria is met, what would be the reason that a card issuer would not honor the core rules of the servicer? Veterans are a protected class, specifically in the space of deceptive trade practices. I would like to be sure that the companies that I deal with are not participating in taking the business of military members and veterans without providing honest services.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78109
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A