Date Received: 2023-10-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Requested for them to stop payment on account ending in XXXX. Allowed payment to go through. Previously closed a credit card account after paying the bill.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Navy Federal CU sent me letters that that my credit report would be damaged. My credit card was stolen and my card was maxed during the pandemic.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In XXXX of XXXX my joint account holder sold items to a private entity that was agreed upon by buyer and my wife over multiple days and phone conversations, as well as XXXX. We have tracking information, text messages, and inventory list of items that were sent to buyer. When buyer received the items, she texted my wife calling her names and saying that she would contact her back about my wife scamming her. My wife ended communication with this woman. She reported to XXXX that she didnt make these transactions or reported that she did not receive any items. Apparently we still dont know. On Friday XX/XX/XXXX I attempted to use my debit card at the post office, and my card was declined. I called my credit union and was told that my account was frozen because I had been found to have engaged in fraudulent activity. I was told that I needed to close my account. My rent money was in the bank and scheduled through XXXX, I was unable to I had no place to send my rent payment. Luckily I was able to pull the money out, but with no bank account the rent was late and a XXXX late charge and returned check fee. I was never asked anything about this accusation prior to the freeze. They still have not responded to our many requests for clarification on what grounds they have to do this without notice. I sent in documentation as they requested. They were had 15 business days to respond to the appeal, which was completed and sent in on XX/XX/XXXX with supporting documentation. They have not responded. This has caused detrimental consequences to our lives and we want answers. We do NOT want to bank with them ever again! They should have protected us. At least asked us what the situation was. They threw us to the wolves,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have noticed several inquiries on my credit report that I do not recognize nor did I apply for credit in my name. These unauthorized inquiries should be removed according to FCRA guidelines. Here are the details of the inquiries listed below. Ive already followed protocol and reached out to creditors to no avail. Please remove. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: To whom it may concern : I was a victim of fraud by someone that was claiming to offer me a job. I was furloughed from my job on XX/XX/2022. While looking for employment, I was sent an interview request by XXXX XXXX XXXX ( attached ). I was emailed the job details ( attached ) prior to the interview. I interviewed ( I am not 100 % positive of her name ) I believe XXXX, via zoom call on XX/XX/2022. I spoke with her at the zoom phone number ( XXXX ) XXXX. I went through an interview process with this young lady and had a 2nd interview with a gentleman. After the call was completed, I was sent a job offer ( attached ). On XX/XX/2022, @ XXXX XXXX EST, I sent the signed offer letter, XXXX XXXX , and a direct deposit slip. ( attached ) On Monday, XX/XX/2022, I sign on to training. It was a few people on the call. Getting to people and benefits and things. Right before we took a lunch break, they asked us to send money for our equipment. That is when I logged off because something was wrong. Until yesterday when I received an email concerning my appeal, did I even realize that this is what could have happened? I Googled the XXXX scam and sure enough, I was scammed. ( Article attached ) Today, I went to the Credit Union and explained to them what I thought occurred. I was advised to send in documentation of the events. I have several documents to send to verify these accounts. Also, after I closed the account the money was taken. I opened a brand new account and two days later there was two more {$5000.00} request on the new account. I don't know if this is someone who works for the NFCU however it is highly suspicious. Please let me know how I should proceed from here. Kind regards, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80017
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: my information might have been impacted by the XXXX breach and my have got into the hands of the wrong person
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I tried to apply for lines of credit several times with NFCU. I was discriminated every time, I know they go by an automated system that helps accept or discriminate, but my reports has been furnished for so long and when I try to speak with underwriters or financial admin I get the run around. Ive been a member with this bank for a while so while Im helping them achieve I feel like Im not being compensated with the same respect. I deposit with NFCU every month but I never see returns for the deposits. I havent been able to get not 1 loan from this person since our union began.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navy FCU is in violation of the FCRA for reporting negative inaccurate information on my credit report. This is NOT my account and it is reporting negatively and inaccurately multiple times on my credit report. My report is showing these accounts opened XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and all three posts on my report have the account # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48075
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Went delinquent on credit card with Navy Federal Credit Union in XXXX. They later sent me a letter through USPS giving 3 options to settled the debt. I chose Option 1 and settled the debt paying balance of {$910.00} with check sent certified mail and check was cashed soon after they received it.I will attach such letter. I am now being sued with a set trial date of XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXX XXXX, by another company that seems to have purchased the debt from Navy Federal Credit Union. I believe this is a violation of Federal Fair and Trade Acts, or some other violations and I beg this to be examined and investigated and cleared as soon as possible. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23453
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This is the second time in one week this has happened. I put a stop payment for XXXX and the funds still came out of my account for {$310.00} and I was charged {$20.00} for the stop payment fee. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A