Date Received: 2023-09-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went in at XXXX to Navy Federal Credit Union to deposit my paycheck so I could pay bills. After depositing through their ATM, there was no pending check in my account and no funds. So I reached out to their corporate number and was told that because the check was over {$1000.00} that part of the check ( {$250.00} ) would be deposited into my account on XXXX and the rest would be in my account by XXXX morning. Fast forward to today- no money and no pending check. So I call the number back. The associate helping accuses me of depositing the check too late to get any funds before tomorrow. When I quoted direct timing to him of speaking to his coworker at XXXX after depositing it at XXXX, he said oh well thats XXXX time not XXXX. And he made it clear that he could do nothing. So I asked to be transferred to a supervisor. Now when XXXX got on the phone he basically told me straight out nothing could be done for me. When I pointed out that his employee made false promises and lied because of the time zone, he agreed that it shouldnt have been said and said he would talk to the employee. However I pointed out talking doesnt fix the fact that I have bills due today and XXXX going to get charged fees because of their employees lies. He said that theres nothing they can do. So now on top of holding my money XXXX, they are causing me to get fees that should have been avoided. If you work in XXXX time and its already past the time of deposits needing to be in, that should be stated. But as it wasnt, now theyve wasted my time, money, and have completely lost my trust in this company. As soon as my funds are in my account I am closing my account. And if anyone reading this also has Navy Federal accounts, I suggest you do the same.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NAVY FEDERAL CREDIT UNION IS IN SERIOUS VIOLATION OF VIOLATING MY CONSUMER RIGHTS. I HAVE ASKED COMPANY TO PROVIDE MY WET SIGNATURE IN REGARDS TO XXXX ACCOUNTS WITH THIS COMPANY. NAVY FEDERAL CREDIT UNION IS IN SERIOUS VIOLATION OF PERMISSIBLE PURPOSE 15 U.S. CODE 1681 b, The Truth and Lending Act 15 U.S. Code Cap. 41 1601, Extortion, Embezzlement, Debt Bondage, Traffiking, Attestation, Right to privacy 15 U.S. Code Section 602 A, Navy Federal Credit Union did not have my written consent to report to any bureaus which is a violation of 15 U.S. Code 1681 Section 602 A Section 2, also banks do not have real money so why would this bank LIE and say I used their money when the bank used my social security number to create a promissory note that I did not consent which is aggravated theft 18 US Code 1028 A. Also why is this company reporting late payments which is against the law 15 US Code 1681 a ( 2 ) ( A ) ( i ). Why is this company asking for my social security number which is against the law 42 US Code 405. banks do not have lawful money and this bank is committing crimes 12 US Code 1431. Provide proof of the original promissory note, provide wet signature, provide ledger. Reporting on a closed charge of account is a violation that Navy Federal continues to commit 15 U.S. Code 1681c. Client must be compensated due to aggravated identity theft 18 US Code 1028 A. Remove all accounts off of every credit report immediately. Navy federal has also Violated an order to Cease and desist.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Debit was charge for unauthorized amount from XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I disputed the charges and they granted partial charges and I was told I would get back interest and all charges related to the charges
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I called and requested for a 1099 form and for this to be deleted from my report because its charged off.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32547
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have recently reviewed a copy of my creedit report and noticed the following information reporting regarding inaccurate inquiries on my report this month. I was also alerted of my personal information being in a leak and a breach. According to the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) of the FCRA. I am requesting that you promptly delete all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that under the FCRA 15 U.S.C. & 1681i, every single one unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Noticed inquiries on my report that werent authorized.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Incorrect information on your report
Subissue: Information is 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: 33990
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Navy federal credit union Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY DATES ACCOUNT NUMBERS BALANCE INCORRECT AMOUNTS PAYMENT STATUS Inaccurate across all XXXX Bureaus XXXX XXXX and XXXX XXXX XXXX inaccurate/invalidated account Prove it. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: they have my account overdrawn XXXX this is unbelievable i honestly had so much funds never let my account get to this i refuse to pay this large amount for whats not mine
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A