Date Received: 2023-09-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: While in XXXX, XX/XX/XXXX, XXXX I tried to make a purchase through XXXX and the card was declined due to multiple attempts when the card was actually only used once so maybe Federal froze not only my XXXX XXXX card but my cash rewards card, and then they not provide in service to resolve the issue by placing me on hold for 20 to 30 minutes at a time. As difficult to get a hold of them or that department while in XXXX, there shouldn't be a 60 minute 30 minute let alone 20 minute wait time for somebody to pick up the phone to resolve the issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: Navy federal is charging me for a XXXX item that was returned which was refunded to me for only {$90.00}! They are telling Navy Federal that this is a new item! And taking {$29.00} out of my account for each item that XXXX received! They are scamming me through my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Navy Federal has not been reporting my credit cards to XXXX since I've had them since XX/XX/XXXX and XX/XX/XXXX and it's negatively hurting my XXXX score
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Navy Federal Credit Union has not reported my auto loan to XXXXXXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
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: On XX/XX/2023 I made a purchase for legal services with a Law Firm in XXXX, XXXX. I paid using my Navy Federal Visa Credit Card. I never received any services from this law firm in XXXX and the law firm has stopped responding to any of my requests.Navy Federal denied my dispute claim for fraud protection claim for the moneys I paid this law firm ( I paid {$6900.00} )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33604
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: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXXXXXX I called Navy Federal Credit Union to file a dispute for services not received. I explained that on XX/XX/XXXX I retained the services of a lawyer, XXXX XXXX, to file a lawsuit for consumer law violations and to represent me in that case. I also let Navy Federal Credit Union that the amount of the retainer was {$1500.00}. It was agreed that the retainer fee would cover out of pocket fees assaciated with filing my claim. I was unable to pay the retainer in full. I was allowed to make payments, however XXXX XXXX stated that he would not begin working on the case until the retainer was paid in full. I made the first payment of {$500.00}, which was processsed through my business acount. On XXXX XXXX I made two additional to XXXX XXXX of {$160.00} each. Payment processed through XXXX XXXX and funded through Navy Fededal Credit Union. After making the last payment on XX/XX/XXXX for XXXX dollars, via XXXX XXXX I was unable to reach XXXX XXXX XXXX I attempted for over a month, the last week of XXXX I was able to reach him and on XX/XX/XXXX XXXX XXXX stated that he felt it would be a better if he filed a dispute with the credit reporting agencies to have account removed from my credit report., which i promptly rejected stated that is not what I retained him for. We were not able to agree so I requested my refund of my retainer and we go our seperate ways. His response was to send me a bill for over XXXX dolllars. That week I contacted the Georgia Bar association to verify his license stsus and to file a complaint and was advised that XXXX XXXX is not a licensed attorney. I was mailed an Unlicensed Attorney complaint form from the Georgia Bar to iniate an investigation by the bar. I made one more request for refund, answer was no. This was XX/XX/XXXX. On XX/XX/XXXX I called Navy Federal Credit Union to file a dispute with Navy federal to have money returned due to never receiving any services I paid for. The agent I spoke with stated that due to the information I provided, the correct way to process would be under fraud instead of service paid for and not received. Fraud claim submitted for {$500.00}. I requested to file disputes for the remaining XXXX and was told that since those payments were initiated from XXXX XXXX nand XXXX XXXX, they were not able to be processed and I would have to file with XXXX XXXX XXXX XXXXXXXX. Rep refused to file disputes I requested. XX/XX/XXXX I placed another call to NFCU, the representative I spoke with stated that she would be able to submit the disputes I requested. {$680.00} transaction dated XXXX and XXXX disputes for {$160.00} each dated XXXX XXXX XXXX XXXX called NFCU VERIFUED WITH AGENT THAT DISPUTES WERE being processed. Provisional credit issued for {$500.00} for the first fraudulent transaction paid to XXXX XXXX XX/XX/XXXX called NFCU to inquire about provisional credit for disputes, advised provisional credits not allowed for my disputes. Spoke with agents over a XXXX minute call. advised NFCU had 4 months to process dispute and no provisional credit would be issued. Disputes for XXXX, XXXX and XXXX were changed from fraud to dispute by representative. {$500.00} provisional credit removed with no notice, charged overdraft charges for transactions made using the provisionl credit. ZRecieved dial of duplicate charge for XXXX for XXXX eveb though there were two charges made for the same transaction with no explaination. XX/XX/XXXX After I explained that I have the right to file disputes for fraud when the money came out of my checking account even if processed through XXXX XXXX or XXXX and sent them via Navy federals emessage system Representatives began yelling at me, putting me on hold for over an hour, refuse to give me any information about any of my disputes, Kept telling me to call XXXX XXXX and XXXX XXXX Told that there were no disputes that I filed on the XXXX XXXX XXXXXXXX, They were removed from the system. Rep stated that they do not have to process disputes made with XXXX XXXX XXXX XXXX. Refused to file disputes. XX/XX/XXXX Advised not to call anymore, to send all communications via email, even though I have notified navy federal that their system was no longer allowing me to upload any documents relating to disputes. The agent advised me to try again on the next day. I have been trying since the XXXX to upload documents I notified Navy Federal and was not provided any solution other that to try again later XX/XX/XXXX Advised not to dsend anymore emails, and navy federal has the right to decide who receives a provisional credit and I would have to wait until the end of any investigations even thoug XXXX of the transactions they refuse to investigate and the one they chose to investigate reversed provisional credit and denied the claim stating that it can not be fraud if i initiated the transaction and it didnt matter if I was mislead and lied to to get me to initiate the transaction by the merchant. As of today still have received any written notice for claim denials, deleting disputes or reversal of provisional credit. I was told this evening that my disputes were filed with the date of XX/XX/XXXX because I did not submit any documents, also there was never a request for documents for any dispute I filed.They would not tell me what disputes were filed on the XXXX. Told to wait at least until thursday of this week to receive a call from navy Federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have taken immediate action to dispute a debt that does not belong to me. NAVY FEDERAL XXXX XXXX XXXX XXXX XXXX ( inaccurate late payment history, never late ) XXXX XXXX XXXX After discovering the fraudulent nature of this debt, I promptly filed a police report to document the identity theft that led to this situation. With the police report as evidence, I have contacted the debt collector and formally requested the deletion of this false debt from my records. It is crucial to rectify this issue swiftly to protect my financial integrity and prevent any further harm to my credit history. I will continue to monitor my credit reports closely to ensure that this erroneous debt is completely removed, and I can regain control of my financial well-being.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2023-09-25
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: Reporting company used your report improperly
Consumer Complaint: I never received any documentation regarding the reason for improper reporting from any agency. In fact according to the Fair Credit Reporting Act 15 USC 1681 section 602 states, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, as well as respect for the consumer 's rights to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to to make sure my private information isn't shared which is in fact backed by 15 USC 6801 which states, " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers as well as to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of the information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states, " In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom in which it relates. '' ( Furnisher of information to credit agencies ) the financial institution as well as the consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option, '' ( Furnisher of information to credit agencies ) I have never been informed of my right to exercise my nondisclosure option. In fact not only that, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information as well as any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. '' XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Lastly 12 CFR 1016.7 states, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navy federal credit union has been reporting inaccurate information XXXX Go Rewards {$3500.00}. Cash rewards {$1500.00} to the credit .Stating that I am 30 days late on my credit card payments when there currently paid off and I have no debt established with the .I would like all false and inaccurate information removed as soon as possible .As it is hindering my credit tremendously.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33916
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A