Date Received: 2023-10-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The account is not mines, and I asked them to validate the debt and they couldnt. I am not liable for this debt they did not provide me with the original contract as I requested.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In 2020 I reached out to Navy Federal in regards to refinancing this account due to the fact that I had lost my job during the Covid-19 Pandemic. Since then, I have paid that refinanced loan on time and in full. My concern is, there still is showing late payments on this account despite me completing the terms of the agreement and being eligible under CARES Act. The CARES Act prevents lenders from reporting late payments to credit reporting companies during theCovid-19 crisis. Not only should all late payments showing on this account be removed, but they should be updated to paid on time due to me completing the terms of the refinance. Navy Federal has failed to update this on their end and it is causing harm to my credit reputation. Please update all late payment to paid on time status. Since they have continued to furnish inaccurate information to the credit reporting agency despite knowing the information was dispute and incorrect.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A fraudulent loan was taken out from my bank, Navy Federal Credit Union, in my name on XX/XX/2023 in the amount of {$7000.00}. I spoke to someone in the fraud investigation department, and they said I would know more information about the status and outcome of the investigation in a few days. I called back several times to check on the status and details of the investigation. There were no notes in my account that any other representative could see regarding the conversation I had with the fraud investigator, so no one I spoke to had any knowledge of or any information about the fraudulent loan. I still dont know the status and details of the investigation. The account is being reported on all of my credit reports and accruing interest. The first payment is due next month. The is one of my worst nightmares.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72019
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I contacted Navy Federal Credit Union on XX/XX/2023 to exercise my right to rescind a contract. I am a authorized user on a Navy Federal Visa Signature cashRewards credit card ending in XXXX ( XXXX XXXX ). I am exercising my right to rescind because I did not receive any consumer notices or disclosures pertaining to this credit account. I did not receive a credit card and I am not able to make any purchases. I have been restricted by Navy Federal from using the account however, this account is being reported to all credit bureaus and other agencies on my behalf. I have not made any purchases and this account is not my responsibility. I was added to this account under false pretenses.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70806
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: NOTE : The scammer is apparently a mother. She has shown me pictures of herself and her son. She seemed very desperate for help. Please keep that in mind. It all started in XXXX. In XXXX, I was eager to buy concert tickets. It was my first time buying them through a different platform, such as XXXX. I was very naive yet desperate. I meet someone who seems very willing to give me XXXX front row tickets for $ XXXX. That sounds like a deal! PS : XXXX, the main instigator, had XXXX people receive my funds, aka XXXX and XXXX. XXXX claimed she could not receive XXXX payments due to her account being locked, probably linked to her bank account being locked. I dont know. Maybe? Who knows with her. She is a XXXX. However, when I sent payments on XXXX, they kept claiming they did not receive them. I believed them because it was a XXXX and the transactions have not yet reflected into my bank account. Next thing I know, I am missing nearly $ XXXX for a transaction that was originally supposed to be $ XXXX. I was devastated. I lost a lot. They then claimed that their brother in law works for XXXX, and he can get us both our money back since her bank account was locked due to these transactions, allegedly. I said alright because, hey, I get my money back! However, she shared that in order for both of us to receive our money back, we would have to add our own money to balance it out. Keep in mind, I still never got the tickets at this time. I figured since I was in so deep I XXXX as well keep going because she kept reassuring me I will get everything I want in the end. Needless to say, I lost even more. I lost $ XXXX altogether because she kept claiming I will get it back and she needs help because her bank account is also locked. I sent it through XXXX at this time because XXXX blocked me from using their app due to the suspicious transactions. LOL. Seriously? She also has a son and she is married, so I figured she would be more trustworthy. Oh, definitely not. Additional information... I blocked her once since I got fed up with the seemingly endless transactions, yet she contacted me XXXX different ways afterwards practically begging me to help her unlock her bank account. The begging on top of her being constantly reassuring that XXXX get everything on top of her being a mother ( apparently ) was definitely a convincing story. I fell for it, and I lost everything. That $ XXXX was all I had. And guess what? Still no tickets. I also have photo evidence of her admitting that I did not receive the tickets and I paid more than needed. I also filed a police report, however it was rejected due to not filing a police report at my military base first. I just received that news today. I am just sharing that information to show how seriously devastated I am about this. She claims she can not give me any of my money back because it is filed into this transaction involving balancing out. If we did not complete it a certain day, the interest/set limit would increase, which is why I lost $ XXXX. Another day another increase. It was all so confusing. I was the one who was supposed to be gaining something but I was the one who lost the most between us despite their constant yet believable XXXX stories. And guess what? Still no tickets. LOL. Just tears and sadness.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 935XX
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is showing late payments to NAVY FCU XXXX, NAVY FCU XXXX, XXXXAVY FEDERAL CR UNION XXXX, and NAVY FEDERAL CR UNION XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or NAVY FEDERAL 's customer service representative.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92886
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened up an account with Navy Federal, 3 days later I attempted to transfer funds from my XXXX XXXX ( old account ) through XXXX. Navy Fed denied it so I tried to request the money through through Navy Fed to XXXX XXXX XXXX. They locked my account so I called and verified with Navy Federal I knew of the charges and explained the same thing. I opened up a new account and attempted to XXXX money from my old account to my new account. He okayed the transactions and restored my account to full access. 3 days later I find out my account was permanently locked and I am banned from Navy Federal forever. I have attempted to figure out what is going on and explain my side of the story. No one will tell me why my account was locked, security said it could be restored but I needed to talk to XXXX because they claimed it as fraud. I called XXXX and they told me to call navy federal. I have spoke to security at navy federal ( which was the most helpful ) and 4 others agents including a supervisor. They have all told me there is nothing they can do and it will not be reversed. Now I have {$1500.00} in that account I cant touch and no information of why I was flagged for fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 226XX
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: 2023-10-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My daughter XXXX XXXX helped me open a checking account at navy federal. But they wont let me have any access to my accounts or money! And my daughter transferred all my money out! To her account leaving me with no money amd on now homeless she also turned off my cell phone took my insurance money for my car! My daughter XXXX will not let me have any of my money! Please help me!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92113
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a dispute on a XXXX XXXX account and received a letter stating they had investigated and did not believe the transactions were fraud based on history. This bank has a XXXX complex when it comes to investigation disputes. They do a terrible job with disputes and always side on the merchant. I can refer you to many consumers who have this same issue with this bank. I disputed charges on a XXXX XXXX account and received a letter 3 days later stating they did not believe it was fraud. These charges originated out of the country. This bank needs to be reprimanded for all consumer 's benefit. This bank will also cancel your debit card for XXXX years if you dispute what they feel is too many charges.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX Navy federal withdrew {$510.00} from my checking account to satisfy and payment in which my mother owed on her credit card. I called in to release my paycheck and only agreed to make a loan payment on my vehicle which is financed through NFCU. I received a notification that additional money was taken out and questioned the representative and she stated it was for a credit card which is not mine. I spent a total of 4 hours on the phone trying to get my money back and still have no resolution. I never gave authorization for the payment to be made and asked multiple times for the call to be reviewed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A