Date Received: 2022-02-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Long Island XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX XXXX XXXX, was denied an extension of credit by Navy Federal. On XX/XX/XXXX, I applied for Navy Federal Go Rewards. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Navy Federal has violated my federally protected consumer rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M XXXX XXXX XXXX XXXX Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Navy Federal should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Recently, I, XXXX XXXX was denied an extension of credit by NAVY FEDERAL CREDIT UNION XXXX XX/XX/XXXX, I applied for VISA SIGNATURE FLAGSHIP REWARDS CREDIT CARD As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). NAVY FEDERAL CREDIT UNION has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. NAVY FEDERAL should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. BEST, XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: BACK IN 2019 THERE WAS AN ACCOUNT OPENED IN MY NAME WITH NAVY FEDERAL CREDIT UNION. THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION. SINCE IVE NOTICED THE ACCOUNT OPENED IVE WRITTEN LETTERS TO EACH CREDIT BUREAU, IVE CALLED THE CREDIT BUREAUS, IVE WRITTEN LETTERS TO NAVY FEDERAL AND CALLED THE BANK AS WELL. THE ACCOUNT HAS A {$11000.00} BALANCE. THIS IS CREATING SUCH A HARD SHIP ON MY LIFE I DID NOT OPEN THIS ACCOUNT. PLEASE HELP ME
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Last year I had a total of 4 cases of fraud! One being an accident, and the rest out of my control! The accident was an incident reported as fraud when it shouldve been reported as a dispute where a store wrongly charged me. It was never settled since I wasnt able to find the receipt. Thats fine. Another charge of XXXX $ happened when I lost my debit card ( only lost it once! ) I then had to wait a few days to dispute what I had noticed because it HAD TO POST before any dispute! There was an {$80.00} and another charge of a price Im unsure of, from Cash App, where My account was hacked while my debit card was still linked! Sent proof in of that and also how the account was closed. However they decided to disable my debit card for a year! After I was disrespected by NAVY FEDERAL CREDIT UNION. Supervisors have hung up on me, fed me false information, disrespected me, and refused to answer specific questions! Even had a supervisor named XXXX that kept muting my call along with loud children screaming in the background! I have another navy federal member that will be making a report. I was informed by that member that he also once experienced large amounts of fraud! HOWEVER, he NEVER lost his card privileges! Now that is discrimination. I got penalized because someone stole from me, but when it happened to someone else they were taken care of. This is just one of many reports!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have had accounts with NFCU since XXXX. I have logged into my online account since XXXX, and used XXXX XXXX XXXX for logging in and all my browser use since XXXX. It refuses my login after 16 years of my logging in : it has trackers installed. These trackers include XXXX and XXXX and XXXX. ( See attached screenshots. ) This is underhanded, violating privacy, and should be illegal for a financial institution. It apparently wants me to disable my tracking blockers. I have exclusively used XXXX or other XXXX XXXX since XXXX. The FTC even has several web pages on how to protect privacy in four different browsers. Since XXXX or earlier, NFCU login page has intermittently refused to allow me to log it. See attachments including rejection message. I had not previously had trouble logging in. I have called with a complaint to NFCU at least once. They did nothing but tell me to use XXXX browser or restart my wi-fi : XXXX XXXX has worked for XXXX years of my use. I reported it to the XXXX with no response. The login rejections have become more frequent. I refuse to disable my ad blockers and tracking blockers. NFCU 's response to use XXXX because its programmers flunked everything but XXXX in high school is unacceptable. XXXX violates privacy. Its other responses to reset my computer and wi-fi worked intermittently, and now do not work at all, and are an unacceptable " solution ''. I attach several screenshots of my blockers blocking XXXX trackers, XXXX trackers, XXXX analytics, XXXXXXXX XXXX, XXXX XXXX and XXXX XXXX. It is unethical for any financial institution to have XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX ads and trackers. That is a reprehensible practice by any institution, but even more suspicious, unethical and criminal when practiced by a member-owned financial institution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This evening I was called by a navy federal number and they took XXXX dollars from my accounts. After talking on the phone with navy federal I was told that they will submit a fraud claim but it isnt likely that I would receive any money back. I did not authorize these transactions. I was told I needed to wait until the payments posted before I could submit a claim on XXXX of the money taken from my family.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/2022, I visited a local dealership to make a purchase. After getting the vehicle information. I submitted an application with Navy Federal Credit Union for an auto Loan. I was declined twice. I called into see why I was declined and was told a letter would be sent out. After reviewing this letter, I believe that I have been discriminated upon by this company and I would like to exercise my rights in good faith. I feel like I dont want to apply for any more credit. I am losing faith in this banking system and I am considering taking my money out of the bank.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: From XXXX to now I have been in contact with Navy Federal Credit Union letting them know that I was going through financial hardship. My wife abandoned me on a military base, took my kids, my brother and father died and that my mother was in hospice and they vowed to help me but as soon as I left the military in XXXX Navy Federal Credit Union repossessed my car and treated me like they never knew me. I recorded all my conversations and notes in this matter. I've been with Navy Federal for almost 20 years and to get this type treatment is unsat.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32003
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: NAVY FEDERAL has gone into my checking and savings account twice without my consent or authorization to perform an electronic transfer of my funds to a credit card account. These unauthorized transfers of my funds were executed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. NAVY FEDERAL needs to credit my checking and savings account {$650.00}. I did not authorize any of these transactions nor does NAVY FEDERAL have any right to the funds in my savings nor my checking account. The credit card account that funds were improperly moved to has been in a do not collect status since XXXX of XXXX per NOTICE : Your account is being provided for informational purposes only. Providing you this information is not an attempt to collect a debt. In totality NAVY FEDERAL needs to credit my savings and checking for {$1900.00} pursuant to XXXX XXXX XXXX due to the deceit, lack of disclosures and misrepresentation by NAVY FEDERAL that caused me to improperly apply federal reserve notes via an electronic fund transfer using my personal debit information. NAVY FEDERAL has failed to validate this debt and continues to send statements that I have reason to believe are interest dividends or credit issued to me in form of coupons or bonds. I have indorsed these negotiable instruments, also known as remittance coupons, and NAVY FEDERAL has failed to properly credit my account monthly or monthly send a check payable to XXXX XXXX XXXX XXXX for the remaining credit balance of the account that is a surplus of {$1.00} to my place of abode pursuant to 15 USC 1666d. Because of all these experiences with NAVY FEDERAL, I will be invoking my rights as a federally protected consumer. As a federally protected consumer, pursuant to 12 CFR 1026.13 ( a ) ( 6 ) I am requiring to see documentary evidence that validates this alleged debt that they documented that they are not collecting but their actions show otherwise as funds have been transferred without my consent or authorization. In accordance with documentary evidence ( 15 USC 44 ), I need to see the book of accounts as described in IRS Publication 583 to explain and address such subject matter in said monthly billing statements. In order to verify such amounts, I need to see the bookkeeping audit trail to include journal and credits of account as well as the ledger and debits of account from both the PUBLIC and PRIVATE side from the past, present and future to verify the current accounting, verify taxes associated with this account, clarify who funded the account, and how much is allegedly owed. I have reason to believe that there having been billing errors on past, present, and future statements as a result of misapplied credit pursuant to 12 CFR 1026.13 ( a ) ( 4 ) and computational or accounting error pursuant to 12 CFR 1026.13 ( a ) ( 5 ). The evidence of my belief is the false character amount on all statements reflecting a positive balance because if this alleged debt was truly owed then it would be a negative balance or this would be a computational error.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: CEASE AND DESIST YOU ARE HEREBY ON NOTICE TO HAVE ALL MY DEMANDS COMPLETED UPON RECEIPT. This is a communication to cease and desist all communication and collection efforts pursuant to 15 USC 1692C ( c ). As the consumer, the natural person, the administrator, and executor, I legally refuse to pay these alleged debts pursuant to 15 USC 1692C ( c ) and demand the following actions taken effectively ; 1. Pursuant to 15 USC 1692C ( c ) ( 2 ), I'm invoking my specified remedies as the creditor. 2. Pursuant to 15 USC 1692C ( c ) ( 1 ), I hereby advise you to terminate all collection efforts. 3. Pursuant to 15 USC 1692C ( c ) ( 3 ) I demand you zero out all 3 credit card account balances, leave all 3 credit card accounts actively open, and report positively to all 3 credit reporting agencies. FAILURE TO COMPLY WITH MY DEMANDS WILL RESULT IN LEGAL ACTIONS AGAINST YOUR COMPANY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A