Date Received: 2023-10-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70460
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
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 have been a victim of a scam by a music festival promoter XXXX XXXX of XXXX XXXX XXXX. I was excited to purchase my music festival 4-day package and wanted to be able to get the best package by being the first to do so. On XX/XX/XXXX, I purchased a VIP music festival package starting XX/XX/XXXX using my Navy Federal XXXX. On XX/XX/XXXX, while attending a different music festival at the XXXX XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, I got word from a friend who was enroute to meet me for the festival I purchased ; that our festival had been abruptly canceled due to XXXX XXXX mismanagement. This caused a tremendous amount of frustration and stress to say the least. My friend and I have both tried to email and call XXXX XXXX multiple times and still no response. We paid {$5700.00} for the festival that NEVER happened due to XXXX XXXX NOT paying the hotel for our rooms. I have filed a dispute with Navy Federal Credit Union on three occasions, and each time my dispute has been denied. I am a XXXX XXXX XXXX XXXX and have been with NFCU for 15 years or more. Each time I have been notified by messaging that my dispute has been denied due to it being outside of the timeframe, that NFCU do not have any charge back rights, as well as these regulations were set in place by XXXX. I find it very appalling that my dispute has been denied since my card has been issued by NFCU. Also, this event was a pre-purchased event, which my services were to be provided in XX/XX/XXXX and never received. If you can be of any further assistance, it would be greatly appreciated
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63135
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Hello, my name is XXXX XXXX on XXXX XXXX of XXXX I was in the process of getting a loan and during that process I was scammed out of my money. They hacked my bank account and deposited funds into the account as a credit they also made me withdrawal money and take out XXXX XXXX cards. I was told if I buy a XXXX XXXX card for this amount itll boost my credit score which in return Ill be able to take a loan out for XXXX. When trying to stop the process and get my money back I was told to get XXXX dollars and Ill get back the XXXX that was taken from me. I didnt have the funds because they ended up taking my money and now my bank is charging me an overdraft of XXXX because the withdrawals that were made, my card was in my access and they cant provide me with those funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80910
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: The Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is to complain against the Navy Federal Credit Union XXXX URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I would like to draw your attention to XXXX XXXX I sent my complaint letter to Navy Federal , in which I clearly stated how this scam has affected me personallyXXXX XXXX and financially. I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Navy Federal never acknowledged my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. General Obligation : Commencing on or about XXXX XXXX XXXX, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my Navy Federal account to fraudulent investment firm ( XXXX ). When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Navy Federal did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Navy Federals custodianship over my funds or by its control over them, they owed a fiduciary duty to me and if so, whether that duty was breached ;
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I have been charged {$430.00} in NSF fees since XX/XX/XXXX. And much more going back years. I dont know where they came from or why Im being charged. My account will have money in it and then the bank just takes {$29.00}. On two occasions they charged three NSFs fees in one day. {$90.00} taken by my bank twice. No explanation or reason. I have no bills that come from this bank, as Ive been transitioning everything to XXXX due to the predatory practice Ive experience at Navy Federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Navy federal credit Union XX/XX/XXXX XXXX XXXX {$310.00} a fraudulent charge toward my card. It seems like I keep getting new cards and they keep, no matter what, finding ways to have people fraudulently attack me and my bank account. I shouldn't have to order a new card every month, they don't let me call them or go to there bank branches so I have to pay more fees in ATM and or miscellaneous fees because I simply am not allowed to get any customer service from them. Supposedly in XXXX of XXXX sometime I had a phone call with them and am not allowed to talk to them. I want to know why because they keep harassing and discriminating me so much so I take to social media to vent. I want to know why they just say OOPS literally and make fun of me saying oops like it's not there fault or in my case it most definitely is, but why have I been so mistreated by them and now they are charging me junk fees and getting credit card money that I had to put on my card to start it anyway and they changed the policies and now want to charge me double harassing and calling me everyday saying I am late for a credit card payment. I have never had so many issues with a bank. Please look for footage of a time I went to jail for trespassing in there branch supposedly but the charges were dropped so I can't sue them. I still did weeks in jail for it. Someone owes me time/money. Help me in everyway please, I need to get to my business and that's all they interfere with and it's the most annoying thing that n the world ask the president of the United States how annoying I am please. Oh tell em sorry dude, not my fault. Does this deserve Credit?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85207
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I filed a dispute on a {$100.00} charge on the 60th day from the date that the transaction was made which the transaction was made on the XXXX of XXXX for {$100.00} for a rental of a tuxedo, but in XXXX the company went Bankrupt and could no longer provide a refund due to being bankrupt. I then reached out to Navy Federal on the 60th day because I know that federal regulations only protect you for 60 days, navy federal provided a {$100.00} temporary credit but now have denied my claim and are refusing to give me my money back. I tried to appeal this decision via telephone which I was told no I have to go into the branch or do it in the mobile app which I do not have time to go to branch and I am not good with technology to do it over the app. Both ladies had an attitude and are extremely unhelpful and rude. They have threatened me saying they will take the money out of the account on the XXXX and if they take this money out of my account I will not be able to afford my bills and this could cause a negative impact on my credit and my life situation. I would now like to be made whole on the {$100.00} plus {$500.00} pail and suffering.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I received a letter in the mail from my mortgage company, Navy Federal Credit Union, stating that my homeowners insurance carrier, XXXX, no longer has an acceptable financial rating. Therefore, I must find an insurance company that currently has a financial score of XXXX or above. I then contacted XXXX and received documentation showing that their financial rating is XXXX and has a long term rating of XXXX. I contacted Navy Federal on XX/XX/XXXX and XX/XX/XXXX to resolve this issue. On XX/XX/XXXX Navy federal told me that their system is unable to process the homeowners insurance from XXXX. On XX/XX/XXXX Navy Federal stated the same thing that they previously stated, so I asked to speak with a manager. I was told that one will call me in 24 to 48 hours, and that they will request a review of my complaint. I went ahead and collected multiple quotes from other insurance companies, which the companies were either refusing to insure homes in California or their quotes were much more expensive with less coverage than my homeowners policy with XXXX. I have been with XXXX since XXXX, have multiple policies with them, and have never had any issues. I refinanced my home loan with Navy Federal in XXXX and have had issues with them for the full 3 years of the loan. I have the letter that was sent to me from Navy Federal as well as the document from XXXX showing their current financial score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91977
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
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 account doesnt exist without fraud. Ive contacted Navy Federal multiple times in different department and in person. No one can find a history of the account or the collection because it doesnt exist. The account is created fraudulently. I still have a savings account with this bank. I deposited {$50.00} into the savings account in XXXX ( the member account for online banking says no collections can be collected on my member number at all so Im not sure how {$63.00} was taken out on a charge off collections account that doesnt exist and I cant see it on my end and no statements have been printed for it because there is no history of any transactions for the account. The charge off department and recovery department have not resolved the issue. Since the XXXX breach on my record in XXXX and the XXXX of the same year, any bank records in XXXX are fraudulent as I didnt have any access to any checking accounts in XXXX. I need this charge off removed immediately and my deposit do {$63.00} returned to my savings account before I close it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90680
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Navy Federal Credit Card and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. THANK YOU XXXX XXXX Attorney in Fact for XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A