Date Received: 2023-09-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The company has violated the Electronic Funds Transfer Act and also 15 USC 1666h of the Truth in Lending Act by removing/transferring deposited funds from my consumer checking account without my expressed written consent. The funds that were removed/transferred were applied to other alleged delinquent credit card accounts to satisfy alleged debts. Due to the companys actions, my consumer accounting has been severely thrown off and has created a snowball effect within my consumer finances as a whole. On Friday, XX/XX/2023 I spoke with a XXXX, alleged supervisor in resolutions who became extremely rude as I expressed my rights as a consumer. XXXX began to express that I am bound by the company 's agreement. I informed him that I can not be bound by any agreement that violate my rights as a consumer. I also made him aware that my consumer relationship with the company is only governed by the Consumer Credit Protection Act and any other Act of Congress put in place to protect the rights of consumers. He proceeded to become extremely loud and disconnected the call abruptly. XXXX 's actions shocked me and cause me to lose faith in the financial institution and caused deep discouragement. I then called back immediately and spoke with XXXX, supervisor in resolutions who heard my complaint and listened carefully. Unfortunately she did not have the power or authority to redress the matters mentioned, but directed me to address my concerns with Navy Federal 's message center.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I applied for a checking account with Navy Federal because I qualify due to my roommate. Navy Federal has yet to approve my application, I have submitted all of the requested documentation and still have yet to be issued a debit card or account number for my checking account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168. Tracking Numbers- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name -Navy Federal Account Number - XXXX Account Name - Navy Federal Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number XXXX, has violated my rights. XXXX Account Name - Navy Federal Account Number XXXX Account Name - XXXX XXXX Account Number XXXX, has violated my rights. XXXX Account Name - XXXX XXXX Account Number - XXXX Account Name - XXXX XXXX XXXX Account Number - XXXX, has violated my rights. 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish any account without my written consent. 15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency can make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have reached out to the following account below and talked to them about the issue with my account as reported by the bureaus. They have advised me that they will remove the late status on my account however, as I reviewed my recent report, the late status are still reported. I am not sure how the NAVY FEDERAL CR UNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, a resident of Georgia and I am one of the many victims of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX elaborate Ponzi scheme. I have been working with XXXX XXXX XXXX, until his retirement. I am trying to communicate with my lender ( Navy Federal Credit Union ) that I am a victim of fraud. The vehicle in question is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a part of the fraud and that this matter is being investigated by the US Attorneys office in XXXX XXXX. The case number for the open Federal Investigation involving this matter is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and his email is XXXX XXXX XXXX Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I filled out a 1099 a form for my auto loan that was approved by the IRS on XX/XX/2023. I just want them to correct my account and send me title!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
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: The credit card is open-ending and is already paid for 31 U.S. Code 3123 The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Thursday XX/XX/2023 my account was flagged for fraudulent eligibility my account has stayed opened for about 2 months and has been in good standing. My account was closed 24 hours after I received an approval for a credit card. When opening the account I offered to provide documentation to establish my late grandfathers affiliation to the XXXX XXXX and was told by phone rep that it was not needed. On the day of and day before XX/XX/2023 I received plenty of troubles with the digital banking app prompting me to sign in on both web and app using others devices. I have a weekly direct deposit being received to the account and since it wasnt immediately closed I dont have access to my funds as it was flagged the day of my direct deposit. This has been a frustrating experience and I want the discrimination against me due to others frauding them to stop. I am a young good customer who adds nothing but positive equity back into the business.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Closing on a mortgage
Subissue: Trying to communicate with the company to fix an issue with the loan closing
Consumer Complaint: Navy Federal Credit Union is not compliant with 12 CFR 1024.35 ( d ), which states, Acknowledgment of receipt. Within five days ( excluding legal public holidays, Saturdays, and Sundays ) of a servicer receiving a notice of error from a borrower, the servicer shall provide to the borrower a written response acknowledging receipt of the notice of error. On the evening of XX/XX/, I sent an error notification email to executive-level personnel at Navy Federal Credit Union , including the President/CEO, all members of the Board of Directors, all members of the supervisory committee, Chief Compliance Officer, Vice President of Operations and others, as it applied to multiple errors over the past year. The Error Notification Email is attached, which provides all entities that the email that was sent ( *Please note, no email undeliverable message was returned, meaning each email recipient address was a valid email address ) and the information regarding error notification provided to Navy Federal Credit Union by their consumer. There was no written response acknowledging receipt of the notice of error. I would like to add that the notice was received by Navy Federal, as two voicemails were left on my phone and an email after the two voicemails that stated, I am reaching out about your recent experience with our Assumption team. I was hoping to get the opportunity to discuss this further with you at your earliest convenience. I can be reached at ( XXXX ) XXXX. As a consumer, this email does not provide any appearance as a written acknowledgment regarding a notice of error. The maximum required time of five days has been exceeded, and Navy Federal Credit Union has blatantly disregarded the procedural requirements for responding to written information requests or complaints of errors to consumers. This continues to be a trend. 12 CFR 1024.35 ( e ) is the legal requirement that directs Navy Federal Credit Unions response to notice of error. The time limit requirement in 12 CFR 1024.35 ( e ) ( 3 ) ( i ) ( C ) is 30 days, which must be complied with no later than the close of business on XX/XX/, including the response to the notification of error as directed in 12 CFR 1024.35 ( e ), or it will result in another action of noncompliance of laws, rules, regulations, etc. that the consumer has encountered for over a year.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92040
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Applied for Loan wiht Navy federal went to purchase vehicle bc loan funds werent received by dealer from Navy Federal. Dealer funds were retracted and sent back to Navy Federal Credit Union straight from XXXX XXXX
Company Response: Company believes complaint is the result of an isolated error
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A