Date Received: 2023-10-06
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for a Navy Federal credit card to execute several balance transfers. The promotion they sent me featured and introductory APR of XXXX % on purchases for the first twelve months and no balance transfer fee. After my requested balance transfers were executed, I learned that I would be charged an APR of XXXX % on the balance transfers I requested. This was not disclosed in any of their marketing material. They mention there's no balance transfer fee, but don't disclose the fact that transferred balances will be subject to the XXXX % APR.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08109
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: In XXXX of XXXX I received a boat loan from navy federal credit Union in the amount of {$18000.00}. My payment was supposed to be $ XXXX/month. A couple of months after I had the loan, my payment went up. I called navy federal and they stated that the payment went up because they did not receive the boat title. I explained alabama does not title boats and that I could submit the registration. They started that was fine, so I submitted the bill of sale and the boat registration on XX/XX/XXXX of XXXX. I then called in again on XX/XX/XXXX of XXXX and asked if they received the documents. They started they did not so I submitted them again to XXXX and included my access number, name and what the document was. The payment went up again so I called in and the rep stated that they would change my payment back to what it was supposed to be. The payment then went back down to $ XXXX/month. The next month it went back up. I have continuously called in regarding this issue since XXXX of XXXX. I have never received any feedback from navy federal stating they did not receive the information or that it needed to be sent another way. The only way I knew something was wrong is because I kept calling in and seeing my payment go up. On XX/XX/XXXXXXXX I called in regarding this issue again and spoke with a rep that stated they have not received the documents. I explained that I have submitted these document multiple times over the past year. I confirmed the email with the rep who stated that email was correct. The rep asked me to send in the docs again and he would stay on the line to make sure title got the docs. I sent them to the same email as all the other emails that were sent and the title service did receive the documents. They stated they needed the bill of sale for the trailer at which time I told them that I did not have it. The rep understood and stated they would send it to the title manager to see if they can change the interest rate back down to what it was because they now have the boat registration. The rep also stated that navy federal has been charging me extra interest the entire time due to them not receiving the documents. I told them that I did send it in multiple times and Called in multiple times over the past year and its not my fault that they could not put it in their system and do their jobs or if something was wrong with the documents that they should have called me. It is not fair to me that I have paid this extra interest over the past year and I have done my diligence to get this resolved and navy federal has charged me. The rep understood and stated he would ask if I could get the money back that I have paid in extra interest this past year. The rep asked me to call in the next day to get an update. I called in XX/XX/XXXXXXXX and asked for an update at which point the rep stated I would not be able to get my money back and my payment would not be able to go back down to {$410.00} a month because I did not submit the documents in time. I explained that I have submitted the documents multiple times and have called in multiple times and its not fair that I am getting penalized even though I have done my part and navy federal has not. I then asked for a manager. Manager XXXX with the consumer loan department got on the phone and I explained what was going on and that it is not fair that I am being penalized for this and that I have been paying this extra interest over the past year and I have tried multiple times and that I should get my money back for the extra interest that I have been charged over this period of time due to navy federal not being able to do their jobs and follow up or request additional information if needed. XXXX stated that he could get my payment back down to {$410.00} a month but would not be able to give me back the money for the extra interest I have paid over the past year. I explained it is not fair and it is not my fault that I am being penalized. I have submitted the documents and followed up multiple times. XXXX stated he could not change it. I asked for XXXX manager. He stated I could not speak with another manager. I explained I was submitting a complaint and XXXX understood and stated for me to follow up on Tuesday to see if my payment had went back down to what it should be {$410.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I would like the following inquiries to be deleted, I did not authorize these companies to run my credit. This is fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Dear Navy Federal, I hope this message finds you well. I am writing to address a concern regarding my account, as I believe there may have been an error on your end. Last year, I initiated a pledge loan for {$30000.00}, and at the time, the funds were present in my checking account. However, I have since noticed that the {$30000.00} has been debited from my account, and the pledge loan has been removed. According to your records, I now purportedly owe {$13000.00} to settle this debt. Given that I frequently engage in substantial financial transactions, including trading in cryptocurrency and stocks, I possess a documented history of such activity. I am uncertain as to the origin of this discrepancy. I am kindly requesting a comprehensive investigation into my account pertaining to the missing {$30000.00}. Should this matter not be resolved in a timely manner, I may regrettably be compelled to pursue legal action against Navy Federal in order to reclaim the funds owed to me. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
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: Recently I disputed transactions from XXXX XXXX that were prematurely closed. The disputes centered around XXXX separate food delivery purchases [ totaling {$140.00} each ] that were spoiled. XXXX has a satisfaction guarantee that doesnt seem to be honored in these instances. Per email correspondence from NFCU, I was to provide BY XX/XX/2023 the following : ( 1 ) Correspondence with the merchant regarding cancellation. ( 2 ) Proof of return for canceled or returned merchandise. ( 3 ) Terms and conditions surrounding your purchase. ( 4 ) Invoice for merchandise ordered. ( 5 ) Pictures. Details of purchases and how not as described for each meal. Foremost, Id point out that closing these claims before XXXX XXXX XXXX XXXX XXXX doesnt honor their communication, as BY means on or before the stated date ( XX/XX/XXXX ). It also is indicative of NFCUs proclivity of : ( 1 ) generalizing these disputes ( analogously trying to fit square pegs into a circle ) rather that considering them individually and holistically ; ( 2 ) deterring consumers by requesting so much information ( of which much may not be needed or necessary ) ( 3 ) hastily denying disputes without thoroughly investigating matters; and ( 4 ) failing to apply logic. Second, Id like to point out that some of the requested supportive documentation is unreasonable, given the type of purchase made. Also in the XXXX disputes submitted, I detailed that delivery orders are processed at the corporate level, and that I had no contact information for their corporate office. I affirmed that my communication took place in-store. The aforementioned and the length of time between the purchase and dispute submissions also should accounts for why I dont have pictures to submit. Additionally I also submitted a dispute for a XXXX membership that Ive been charged for that remains unresolved. I believe that NFCU uses an automatic system that fails to apply logic, reasonable deduction or complete thorough investigations for its secured card holders, despite its advertisements.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXXXXXX XXXX Card with account XXXX XXXXXXXX opened on XX/XX/2015 and a balance of XXXX I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made since I open this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I was checking my balances in my savings account and noticed that Navy Federal Credit union had removed a XXXX for IRS withholding from my savings account. I called and they explained that my information on their files did not match anything the IRS had on file. This response is beyond ridiculous. I opened this account back in XXXX of this year and all information was given to them. If something is missing then the proper thing to do is to reach out ie ) a phone call, or email at least some request for contact before taking a customers funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01089
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of this receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Navy federal told me I had to get a notoritized court affidavit I did and I was the only heir was suppose to receive the money out of her checking account. Her other two sons did not want anything to do with her. They refused to come see her in her final days of her life. This is why she had her will changed and left me in charge and her will executor. The survivors department at navy federal has fought me on this. After they received the the affidavit. They still refused to let me have my mother 's money. One son refused to even come to her funeral. I was only to get {$250.00}. I don't have my brothers phone number or address. But I was forced by navy federal survivor department to only take {$250.00}. My brothers refused to have anything to do with their own mother. I don't see why I have to split any of the money. It's my money anyways. That I deposited in her checking account before she XXXX. XXXX put the refund in my mothers checking account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23 my business savings account was deducted {$810.00} due to an over drawn personal checking account. Then my business checking account was frozen because of personal accounts that were written off. As I stated with the bank that it was illegal to mix personal funds with business funds and to lock me out of my business funds to pay for personal expenses made not sense. XX/XX/23 I contacted the bank again and was told to make payment arrangements on the personal accounts, which I did and then I was told by the bank that they would not unfreeze my account until all the personal accounts were paid off. I make rent payments and employee payroll out of my business account and now can not do anything due to personal account issues.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A