Date Received: 2023-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am writing to express my serious concerns and frustrations regarding the status of my accounts. It has come to my attention that all of my accounts have been categorized as " paid, '' and I believe there has been a misunderstanding regarding the legal implications of my financial obligations. I would like to address the issue by highlighting certain legal facts related to the XX/XX/XXXX act. As per my understanding, this act placed all property in the United States under the ownership of the United States or its designee. Furthermore, the currency is underwritten by U.S. Treasury notes, bills, and obligations. Based on this information, it is my belief that I can not be held liable for government obligations. I wish to draw your attention to Congress 's own words regarding the unconstitutionality of the XX/XX/XXXX act, as expressed in Senate Report 93-549 dated XX/XX/XXXX : " a. Since XX/XX/XXXX, the United States has been in a state of declared national emergency. These proclamations give force to 470 provisions of federal law. These hundreds of statutes delegate to the President extraordinary power exercised by the Congress, which affects the lives of American citizens in a host of all-encompassing manners. This vast range of powers, taken together, confers enough authority to rule this country without reference to normal constitutional processes. '' I understand the importance of adherence to legal and regulatory standards, and I firmly believe that my accounts should be marked as " paid '' based on the information presented above. I kindly request a thorough review of my account status to ensure that it aligns with the legal context and my financial obligations accurately. I would appreciate your immediate attention to this matter and a comprehensive investigation into the reasons behind the " paid '' status on my accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was charged an overdraft fee of {$20.00}. My account was never negative. When I made the transfer to my XXXX account on Navy Federal transfer screen at XXXX XXXX EST said I had {$160.00} and a couple hours after the transfer of {$160.00} it said I had {$7.00}. I was in the positive the whole time on my end until Navy Federal charged me an overdraft fee of {$20.00} which then made my account negative. Later on Navy Federal charged me a fee and thats when my account became negative {$12.00}. If I didnt have the funds available the system on my Navy Federal app on the transfer screen should not have said {$160.00} in black bold numbers at XXXX XXXX right after I made the deposit in the ATM so I went ahead and transferred which left me with {$7.00} positive balance. I should not be charged a fee if what I saw on my end that funds was available even to transfer. The agents that I spoke to and explained all this to them were extremely rude and made me very upset. They did not help me at all they just made things worst. Thank you for your time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I have a long standing relationship with Navy Federal Credit Union. Well over 10 years, multiple loans, lines of credit and credit cards have been issued to my name from them. Recently I applied to have my auto loan refinanced. I wanted to lower the interest rate. I just barely got the vehicle about XXXX mos ago and obtained financing thru a different credit union. NFCU gave me a higher interest rate compared to my existing credit union and could not expand as to why and or what was causing for the rate to be so much higher. In addition the financing term would be a shorter term compared to my current credit union. I monitor my credit regularly, all payments are on time, credit usage is low, and 100 % of payments have been on time. So I was shocked to hear that they put me towards the bottom of the interest tier when they offered me such a high interest rate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01845
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: UNDER FCRA ALL INFORMATION ON SOMEONE CREDIT REPORT MUST BE ACCURATE AND TRUTHFUL.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I gave Notice of Subrogation, over the phone the other day to XXXX XXXX at NAVY FEDERAL. I love you all! Unjust enrichment is not fair nor equitable. Subrogation is a form of equity and subrogation is right, subrogation not an opportunity. Equity is recognize by the U.S. Constitution article 3 subsection 2 paragraph 1. I certify my right to subrogation and substitution. Being that I am the subrogee and the implied surety, I was not primarily liable for the debt but tendered all consideration but not a volunteer and performed under legal compulsion to discharge a debt by subrogee. I the subrogee is now entitled to benefit from all collateral which the creditor held as security ; and since I am secondarily liable, I am entitled to be subrogated to the rights of the creditor against the person primarily liable. Internal Revenue Service will be notified if the matter is not settled. This is unjust enrichment, and usurpation. A writ of quo warranto lies against you to prevent malversation and peculation. So, whenever a surety, or other person secondarily liable, discharges a debt, he is entitled to the benefit of all collaterals or liens which the creditor held as security, and the person secondarily liable is entitled to be subrogated to the rights of the creditor against the person primarily liable. Equity regards the payment by the surety, or other person secondarily liable, as equivalent to a purchase of the creditor 's rights, equities and collaterals as against the debtor primarily liable, ( Surety ) pays a debt, or discharges an encumbrance or lien, being under legal compulsion so to do, he will in Equity be substituted to all of the creditor 's rights against the person primarily liable. Where a surety discharges the debt or obligation of his principal Where any person, for his own protection, or the protection of some interest he represents, pays a debt for which another is primarily liable. Definitions from business guides dictionary of banking terms. Collateral means Asset pledged as security to ensure payment or performance of an obligation. In bank lending, it is generally something of value owned by the borrower. If the borrower defaults, the asset pledged may be taken and sold by the lender to fulfill completion of the original contract. Paper negotiable instruments and title documents. Security. Personal asset or property that can be pledged as collateral ; a good faith GUARANTY by a co-maker to pay an obligation if the borrower defaults. ( account was settled ) Equity. Value of stockholders ownership interest in a corporation after all claims have been paid, and thus a claim in its assets in proportion to the number, and class, of shares owned. Substitution. Replacement of one creditor by another, also known as subrogation. Subrogation. Substitution of one creditor for another in settlement of a claim or obligation, or transfer of ownership, as when a mortgage is sold in the secondary market. I love you all! The two accounts numbers are xxxx xxxx xxxx XXXX xxxx xxxx xxxx XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: As a member of Navy Federal Credit Union, I have been advised on several occasions that NFCU is a non-profit organization. After reviewing my credit card agreement disclosure, I learned that I granted NFCU security interest on my accounts and determined that was not beneficial to me. On XX/XX/2023 I sent request for old securities/ right to rescission XXXX XXXX via registered mail # RF XXXX XXXX XXXX Additionally, I sent the same notice to Navy Federal Credit Union legal department certified mail # XXXX, which were delivered on XX/XX/2023. It is my understanding that my request to NFCU is valid in accordance to 12 USC 1026.15 Right of rescission. ( a ) Consumer 's right to rescind. ( i ) Except as provided in paragraph ( a ) ( XXXX ) ( ii ) of this section, in a credit plan in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind : each credit extension made under the plan ; the plan when the plan is opened ; a security interest when added or increased to secure an existing plan ; and the increase when a credit limit on the plan is increased. Furthermore, it states effects of rescission. ( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void, and the consumer shall not be liable for any amount, including any finance charge. ( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. As of today 's date, I have not received any correspondences or communication to remedy this situation. My account has been notated, so it is my belief that NFCU lack of action is both willful and intentional. While I only wish to recover what I contractially obligated to, I will pursue criminal and civil remedies to hold NFCU accountable if necessary. Please note : CFPB # XXXX, a separate matter, is still open/ pending company response. I spoke with XXXX XXXX on XX/XX/2023 regarding NFCUs indentured trustee/trustee, I requested that phone call be followed up in writing in which has not.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/2023. I applied for a car loan with Navy Federal Credit Union for the amount of {$15000.00} and was denied credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27801
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Mid day XX/XX/XXXX, I went to the gym and my whole bag was stolen from me. My bag had my phone, wallet, ID, Social Security card and more inside. After I got home I logged in to lock my account and I seen several charges on my debit card, Credit cards and was told that a loan was applied for in my name. I called and told them I knew nothing about the transactions. Money was being moved around in my account and my account had been compromised. I got a new account and saving, A day later my account is in the negatives. I was told that navy federal took the money out of my account. For what reason I do not know. I dont know why I am being debited for something I did not do when its clearly fraud. I was told to do an appeal and I did that was denied as well and I was told because its similar transactions on my account, Yes its similar transactions on my account because I use mobile wallets and so forth. I had everything taken from me my checks and all. XXXX XXXX released to me that somebody posing as navy federal also moved money around in my account. I should not be faulted for this and I just want my money back that is rightfully mines and that I work for! I have nobody authorization to my account. I had to get a new phone. Cards everything, EVERYTHING WAS TAKEN FROM ME.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My mother applied for a credit card on my behalf that I was in aware of during the opening of my account XX/XX/ leaving a hard inquiry. Recently my mother was looking into a potential co loan with Navy Federal, and the they ran my credit as well XXXX. Both inquires were unauthorized and Ive reached out to both Navy Federal and XXXX to inform them of the inaccuracies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I used a Navy Federal Credit Union ATM machine located in XXXX, Fl on XXXX XXXX XXXX. I made XXXX separate deposits within a matter of minutes. The first deposit was in the amount of {$300.00} which was going into my spouses account. Received a receipt for that transaction. Immediately I made my second deposit in the amount of {$200.00} which was intended to go into my checking account. I also received a receipt for that transaction. My wife received her funds into her account immediately, but mine did not. I gave it a couple of days to see if the funds I deposited into my account was available, and unfortunately it wasnt. I contacted the bank regarding the problem, and it was mentioned to me that the ATM I used didnt show the funds. Im a consumer and used the ATM in good faith and by no error of mine, my money was never credited appropriately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32223
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A