Date Received: 2023-09-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX {$1900.00} was taken out of my navy Federal account the merchant was neighborhood XXXX in XXXX XXXX XXXX when I noticed the charge I called my bank to dispute the charge a provisional credit was given to me then taken back on XXXX I don't know who made this transaction and I reported it in good faith now the money was taken back from me and my account is in the negative which has never happend as long as I've been a customer I am now reporting this fraudulent transaction and reporting my bank because they are basically holding me responsible for a transaction that I did not authorize.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX I received a text message stating that it was from Navy Federal about suspicious fraudulent transactions on my debit card and a few minutes later a phone call.During the call I was asked to give identification to setup alerts to prevent this in the future.I was busy at work and was trying to finish the call so i was only following instructions and not being focused. I am a XXXX XXXX XXXX and was working in South Dakota. I set up travel plans with Navy Federal credit Union as soon as I arrived in XXXX XXXXLater that afternoon I noticed XXXX {$50.00} dollars transactions on my account and I was thinking if that is the same transaction I received the call about, I called the bank on XXXXinforming them that those transactions were fraudulent and not authorized by me and I told them about the call and the texts from the bank and the representative said that she will make a fraudulent report and I told her I spoke to someone yesterday who said that he did that and she said that no report was made and she will file one now.on XX/XX/23 a provisional credit of the fraud transaction was placed in my account the sum of $ XXXX.while the claim is being investigated. On XX/XX/23 I received a mail from NFCU that the provisional credit placed in my account {$450.00}. Will be removed on XX/XX/23. After a lot of back and forth the NFCU denied the claim stating that the transaction was made from my phone and XXXX said i did made the transaction, I called XXXX and was told that the transaction was not made by me but my account and phone IP was used.After several back and forth I realized that the call was when the transaction was done I called the bank and ask if they texted and call me on XX/XX/23 and they said no. I sent the XXXX receipt showing i did not made those transactions and I told them what XXXX said .I re filed the claim several times and eventually on the XX/XX/23 I received a mail from NFCU stating that they have made a final determination based on the facts of their investigation that my fraud claim was valid and the provisional amount of {$1900.00}. Will remain in my account.But on XXXX the entire amount of the provisional payment was removed from my account.so i called the NFCU reminding them that the money was removed from my account and needed to be returned to my account and then after a long two hour call I was told that I will have to wait until a week later for them return my money, but every time I called i got a different response and i made a police report and also to the FBI and i was refunded only {$1500.00}. Only when asked no one can give me a valid response. I reminded them of the final decision the sent to me in the mail but no resolution to refund me my {$450.00}. Remaining money to date. I was treated rudely and they hung up the phone finally. I asked for the supporting documents to verify their actions and was told I have to subpoena them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Repossession
Subissue: Notice to repossess
Consumer Complaint: On XX/XX/2023, at XXXX XXXX my car was stolen by a tow truck. I woke up the next day without a notice or a heads up that my car would be stolen in the night. It took me all day to process what could have happened. So, I called the financial Intuition and asked for the Repossession department. I recorded the call as they also stated we were speaking on a recorded line. I proceed to ask did they have anything to do with my car being taken or Repossessed They proceed to say yes, and she gave me the 3rd party company ( XXXX XXXX ) who I had no knowledge of and the company phone number to get in touch with them. She proceeds to state that I would be in charge of any storage fees, and I need insurance to on the car and that Navy federal must be listed as the lien holder and she gave me the amount to bring my loan current, and all this must be done before I can get my car back. Per the UCC 11 search I am the only one to have and hold the only lien to my private property, my car. I have certified copy of proof that I will upload of the UCC 11 Search. So thats 1 violation. Per 15 USC code 1692f Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; Also 15 USC code 6802 Obligations with respect to disclosures of personal information : ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Per 15 U.S. Code 1681n - Civil liability for willful noncompliance : ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29316
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I filled out the personal financial management application that is required by NFCU to obtain help with payments. My request was denied and the representative told me that they wouldn't offer me any assistance because I had received assistance in the past. However, they offered assistance to my husband- who has also received assistance in the past for exactly the same type of issues/hardship and for the same amount of time. I know because I had a poa to be able to request this assistance on his credit cards and loans. I discovered that he had been approved for assistance when the joint credit card we have showed a lower payment and an interest rate of 3 %. Meanwhile I am not able to receive assistance on my individual credit card and loan. I have attached a copy of the credit card statements.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SD
Zip: 570XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: On or about XX/XX/XXXX I called for information regarding my vehicle and spoke with XXXX XXXX the bankrupcy specialist she stated. She explained what i needed to do to maybe get my title so that I dispose of a non running car or they can have the back and clear my record since she stated there was a XXXX balance, but yet the car was entered into bankruptcy in 2013 and actually no longer exist or should be a part of the subject as far as payoff amount. I did request that if paid can i then get my title which I was told I had to offer to pay between $ XXXX {$300.00} to get the title. Although it sounds like bribery but I also have been transferred, hung up on, told to submit documents over and over, she kept stating she was not receiving my emails, would not let me speak to a supervisor. When asked for complaints, I was told to go to social media XXXX, this is definitely the worst service ever received there and no other than to file this case to hopefully get the attention of someone in or that have some authority. I feel the NFCU bankrupcy dept specialist and supervisors have ignored my request and because I am a senior with a bankrupcy have not provided me the services I'm intitittled too when requested which is clearly also discrimination, which is another case.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 Someone logged into my account and disputed 3 charges XXXX {$1000.00} XXXX XXXX XXXX {$900.00} XXXXXXXX XXXX {$300.00} A member was added to my account to do a member to member transfer and I am not aware of who the person is. There was also a XXXX XXXX payment of {$920.00} to someone I don't know. I called the bank and notified them I didn't do that and noticed my account had been logged into by devices I don't own. However Navy Federal is making me pay those fees back which isn't right.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I received a series of emails associated with NAVY FEDERAL CREDIT UNION that indicated an account in my name had been opened, 2-factor authentication was enabled using my email address, and a card was on its way. I forwarded the first 2 email to as address listed on the ban 's website ( XXXX ). I called the ask twice to alert them to this activity. On the first call, the operator asked for my social security number, which I refused to give. On the second call, the operator offered to connect me to the fraud department ; once connected, an automated announcement said it would take 25 minutes to speak to a human. I have never requested to do business with NAVY FEDERAL CREDIT UNION at any time, have never authorize them to open an account, and have never given them permission to check my credit or use my social security number. The emails form this organization claim that it is federally insured by NCUA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX, is obligated by FCRA to report accurate accounting. Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report, if XXXX does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form 211 treasury omb forms to audit consumers account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Getting a line of credit
Subissue:
Consumer Complaint: On XX/XX/2023 I was denied access to my credit after I extended my social security and other personal information in good faith to Navy Federal Credit Union. Application number : XXXX, Navy Federal Credit Union accepted my credit application and personal information but in turn sent me an a letter denying me access to my personal credit on the basis of an inaccurate consumer report. This denial of my right to credit is illegal and against the Equal Credit Opportunity Act. They can not deny me access to credit for any discriminatory reason. I extended my credit card ( or social security card ) in good faith to Navy Federal Credit Union and they denied me access to my federally governed right to credit as the consumer in this transaction. A copy of this adverse action letter can be provide that Navy Federal Credit Union sent me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23225
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: When I spoke to the bank, I was told that XX/XX/XXXX there was a transfer from another member to member bank account with Navy Federal for {$4500.00} and I have spoke to the bank three times today was the last time I spoke to the bank and I was told that even though I gave them documentation proof from my cash app statements that no money of XXXX was took out of my bank card into XXXX XXXX that I would still have to pay it even though it showed no proof of me taking money out of my bank that day especially not {$4500.00} because I didnt even have a job at the time Im XXXX years old so I definitely dont know how I wouldnt even got that money I was told that after the transfer was made into my account, it was took out and put into XXXX XXXX. Thats why I showed them my statements from the entire month of XXXX. After speaking to them all three of these times, Im still told that I have to pay for this and Im not even sure where the money went or how it got in there.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A