Date Received: 2023-09-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank is lying the check was not altered we talked with other institute but I want them to close my account now
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I went to XXXX with my children and sister the XXXX of 2021. I had prepaid my trip, thru my timeshare the year before, but when I got to XXXX, they claimed they didn't have the reservation. After XXXX if going back and forth and the timeshare sending them the information ( the hotel XXXX XXXX ), which they claimed they didn't receive, I was charged again for the room. The room wasnt what it was supposed to be and most amenities were not available as promised. I learned it was fraud and my bank Navy Federal, has fraud protection. I had even called while still in XXXX. I gave them all the documents when I returned and because of how the hotel wrote the receipt, they refused to help me. This is not okay
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2023, I had Navy Federal Credit Union transfer a balance from another credit card company in the amount of {$790.00}. On XX/XX/2023, I paid off that entire balance. On XX/XX/2023, I was charged interest in the amount of {$11.00} and didnt understand why. On XX/XX/2023, I called the credit union and spoke with XXXX and he stated that I was charged interest and would continue to be charged interest until my entire credit card balance was paid in full. I asked him how could that could possibly be legal. He said that I was made aware when I signed up for the balance transfer and that he would email the terms and conditions to me. I advised him that I was not made aware of any such terms and conditions and he placed me on hold because I asked him to read the information to me. He placed me on hold and was not able to provide the information and at that point, I requested a supervisor. A supervisor, who identified herself as XXXX took over the call and she said that XXXX said that he had confirmed my email address and emailed the terms and conditions and I advised her that both things were a fabrication of the facts and extremely concerning to me. I advised her that I had already filed a complaint ( XXXX ) with the CFPB regarding other fees regarding a cash advance and the credit union had requested additional time to respond. I told her that the credit union had advised me that they were confident in their position and I told her that if that was the case then I didnt understand the need for additional time to respond to the complaint. XXXX went ahead and emailed the terms and conditions to me after the fact and I asked her why that information wasnt provided to me before I received the balance transfer. She said that information was available on their website. I advised her that I had already paid the balance transfer in full and should no longer be charged interest and she said that the credit union doesnt have the ability to keep separate balances, yet they itemized three separate charges for interest for balance transfer, cash advance and purchases, so her explanation didnt make sense at all.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I contacted Navy Federal Credit Union regarding an unauthorized transaction on my account. Date claim was placed with the credit union was XX/XX/XXXX ( Saturday XXXX XXXX ) but was sent a letter on XX/XX/XXXX ( Monday ) ( so in two days over the weekends ) and didnt get the letter until XX/XX/XXXX in the mail telling me the complaint was unfounded. They completed an investigation and denied my claim. Navy Federal Credit Union instead of completing an investigation regarding my claim of unauthorized charges. Today I spoke with XXXX ( Fraud Supervisor ) at XXXX XX/XX/XXXX, regarding this and she said it will take 3-4 days for them to reinvestigate the issue, however if the initial dispute was done in under 1 day why would it now take 3-4 days to " further investigate ''.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to XXXX XXXX XXXX XXXX this morning. theManger XXXX XXXX helped me. She took a lot of time and effort to correct my situation ; as she explained it to me. her professionalism, kindness, patience and compassion., served me well. My account is corrected and I am satisfied. She also initiated a Dispute for me ( which was a mistake ). If anyone has a problem with miscommunication at NFCU ; I would suggest they go see XXXX XXXX XXXX XXXX. She is as kind as she is well versed in her job.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XXXX XXXX i disco ered that my EX husband has opened an account with my name on it. At thetime i recived a document ti fill out and cloae my account. I completed the forms made myself copies and mailed the documents. Today XXXX i called Navy Federal and they told me i couldnt remove myself from this account because... i wasnt the owner of the account, his account was locked, that i hadnt sent in the forms, that i sent inthe wrong forms, and what ever other excusethey could come up with to hang up on me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NE
Zip: 68701
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Navy Federal Credit Unions XXXX XXXX XXXX XXXX XXXX are trying to sue for an XXXX XXXX XXXX debt. They say that they can renew up to 20 years but not for credit card debt. I believe that they are using scare tactics to try to force a settlement. The representative named XXXX was threatening me with freezing of assets, liens on my property, and garnishment of wages. He also called me from a unknown number, which last I checked is illegal. I have received no written response only phone threats.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 138XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
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: This complaint is against Navy Federal Credit Union ( N.F.C.U. ), I attest/affirm/swear all of the statements I am making including the multiple attachments I am submitting are 100 % directly tied into and connected to all of the statements and the 21 attachments of supporting documentation uploaded with CFPB complaint ( case ID : XXXX ). Attached is ( my wife 's ) XXXX XXXX XXXX claim dispute letter ( reversing their ruling and " ruling in favor of my wife '' and " not ruling in favor of the merchant XXXX XXXX XXXX ( XXXX ) XXXX '', dated XX/XX/XXXX. ( Please open and read the attachment ). Attached is ( my wife 's ) XXXX XXXX XXXX claim dispute letter ( reversing their ruling and " ruling in favor of my wife '' and " not ruling in favor of the merchant International XXXX XXXX ( XXXX ) XXXX '', dated XX/XX/XXXX. ( Please open and read the attachment ). Attached is ( my wife 's ) XXXX XXXX XXXX billing statement for the billing cycle from XXXX through XXXX. ( This XXXX XXXX XXXX billing statement depicts my wife 's credit card ( ending in # XXXX ) showing " the total amount of {$14000.00} being credited back to my wife 's credit card account and my wife receiving a full refund of all the monthly payments made to XXXX XXXX XXXX '' . ( Please open and read the attachment ). Attached is my XXXX XXXX XXXXXXXX XXXX contract ( contract # : XXXX ), where {$89000.00} was paid-in-full for this contract in XX/XX/XXXX. This contract entitles me, my wife, and our accompanying guests to receive multiple different types of services that are separate from the multiple different types of services received due to being compensated and the multiple different types of services received due to signing the new XXXX XXXX contract ( XXXX. # XXXX ), which is the contract we signed XX/XX/XXXXXXXX and requested to be terminated. ( Please open and read both the XXXX XXXX contract ( XXXX. # XXXX ) and the XXXXXXXX XXXX XXXX XXXX contract ( # : XXXX ) and the XXXX definitive membership certificate, and the paid-in-full letter, dated XX/XX/XXXX ). Attached are 4 financial institutions ( i.e. XXXX XXXX XXXX, XXXX ( for my account ), XXXX XXXX & N.F.C.U. ) claim dispute letters depicting all 4 of these financial institutions " ruling in my favor '' or " ruling in my wife 's favor '', with the exception of one claim dispute, which was N.F.C.U. 's claim dispute of XXXX ( claim # : XXXX ). All of the attached documents depict a combined total of {$82000.00} of multiple financial institution claim disputes against the merchant XXXX XXXX XXXX ( XXXX ) XXXX for the exact same reason ( which was the merchant XXXX XXXX XXXX ( XXXX ) XXXX not honoring our request to terminate the XXXX XXXX contract ( XXXX. # XXXX while I, my wife & our accompanying guest were still present at the resort from XXXX XXXX XXXX to include after we arrived back in the U.S from XX/XX/XXXX through XX/XX/XXXX ). All 4 of the financial institutions received the exact same supporting documentation for all of the claim disputes, however, only {$77000.00} in the claim disputes was ruled in my favor or in my wife 's favor and N.F.C.U. is the only financial institution that ruled my claim dispute of {$5000.00} ( claim # : XXXX ) in favor of the merchant XXXX XXXX XXXX ( XXXX ) XXXX. How is this possible? I understand N.F.C.U. 's explanation of the extensive process and procedures N.F.C.U. went through to determine their ruling, however, when presented with the ruling outcome of other financial institutions who made their ruling based on having the exact same supporting documentation N.F.C.U. had. How can N.F.C.U. continue to stand on their ruling and how can N.F.C.U. continue to attempt to justify their ruling, especially after overwhelming facts has been clearly presented and brought to N.F.C.U. 's attention?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: My name is XXXX XXXX. On XX/XX/XXXX or XXXX 2023 my previous landlord XXXX XXXX sent a partial refund on my deposit in the amount of XXXX and some change. My landlord sent money via XXXX to my phone number XXXX. I got a text message to that number saying that the funds will be available to my Navy Federal Credit Union checking account. However I do not have a XXXX account nor a NFCU account. My wife has a XXXX account through Navy Federal Credit Union. I tried to set up an account through XXXX but each customer service associate that I have spoken to has directed me to NFCU saying that my phone number is associated with a NFCU account. My money is now in limbo. XXXX refuses to help me and NFCU is also not able to do anything to help. I have my money somewhere in the system and no one is able to help me. I find it disheartening that XXXX nor NFCU is able to assist or even understand my situation. They both keep blaming each other. I have never had a XXXX account, I just recently began trying to use XXXX. And I have never had a bank account or a NFCU account. The only thing I need to happen is for my phone number XXXX to be deleted completely from XXXX and NFCU.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 86314
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights. 15 USC 1681 Section 602 : States I have the right to privacy. 15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A