Date Received: 2022-01-15
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: I was a victim of identity theft I dont no how my credit card information was obtained or by whom, I did lose my phone in early XXXX and I do have all ove my credit card information in my wallet on my phone so it could have been from that or when I go thru a drive thru for food and I pay with my card at that point I am handing my card to a stranger usually a young kid and they sometimes go out of view for a while so it could have been that truthfully I do not no for sure how it was done. What I do know it was done and my personal credit cards that I opened and use on a daily basis were used for that same fraudulent charges and every single bank that investigated the situation all included it was in fact fraudulent charges and they were removed from my credit card statement balance even the bank I am complaining about right now they concluded on one of my credit cards that had fraudulent charges that they were in fact fraudulent charges and on my other credit card I have with them they said they didnt find anything out of the ordinary and they werent going to honor my fraud protection rights. Same bank two credit card accounts 2 separate investigators 2 very different conclusions. So I called up for explanation when I saw the charges were back on my account and I was told that the investigator didnt think they were fraud on that one account because the charges were done in my name and my business name which so happens to be my code word. That basically told me that this investigation was non existent because I did my own investigation and called the merchant where these charges came from and they explained to me that 99 % of their fraud when its done its done exactly the same way my fraudulent charges were done because it increases the thiefs odds of success & like I said every other investigation from multiple banks from multiple other qualified investigators all came to the same conclusion that this was in fact fraud. I have a police report regarding the issue and filed a ftc report. Since they closed my case and rejected my claim with out a fair and just investigation I have called 2 different occasions and I requested them to reopen and requested an appeal I was told to do so thru the mobile app which I did, the only response I received was instructions on how to file an appeal after I already requested one so I did it all over again and I answered each and every question they wanted and gave them a very through explanation and I uploaded my police report which was approved and investigated by the financial crimes division and they found it to be creditable and approved my complaint and report. So I just want the same thing to happen here I didnt make these charges I did not be if it from these charges I did not receive any type of merchandise or compensation from these charges and I never gave any one person or entity to use my credit for any purchase I never have and I never will. My credit is so important to me and I rely on it for my everyday life and to operate and expand my business due to this and the impact on my credit utilization my scores dropped almost 200 points from XXXX to XXXX and now I can not get the mortgage I was in process of applying for. So I am requesting the bank to XXXX my appeal remove all of these fraudulent charges while they do a real investigation like there other XXXX did and then I know I will be vindicated and they will protect me from this fraud that occurred. Other than this I love this bank they were always great to me and I want to continue to be a part of their family for the rest of my life but I need them to do whats right here because if they dont its going to hurt me and my family for many many years of financial struggles.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
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: I, the consumer, natural person, and original creditor, exercised my right to rescind the following transactions with Navy Federal Credit Union for my XXXX XXXX credit card however, Navy Federal closed the disputes I made and failed to credit my account for the transactions. Upon receipt of their requests for additional documentation to aid their investigation of my rescissions/disputes, I provided Navy Federal Credit Union with the attached statement of rescission and the federal law to which I was exercising-15 U.S. Code 1635. XXXX XXXX XX/XX/XXXX {$26.00} XXXX XXXX XX/XX/XXXX {$5.00} XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXXXX/XX/XXXX {$12.00} XXXX XX/XX/XXXX {$58.00} XXXX XXXX XX/XX/XXXX {$4.00XXXX XXXX XXXX XXXXXX/XX/XXXX {$5.00} XXXX XXXX XXXX XX/XX/XXXX {$4.00} XXXX XXXX XX/XX/XXXX {$25.00} XXXX XX/XX/XXXX {$7.00} XXXX XXXX XXXX XX/XX/XXXX {$11.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXXXXXX XXXX FRAUDULENTLY COLLECTED MY INFORMATION WITHOUT MY CONSENT AND IS FORCEFULLY TRYING TO MAKE ME PAY THEM A DEBT THAT I DO NOT OWE TO THEM FOR AN ESTIMATION OF ABOUT 2 YEARS. I SENT OUT A DISPUTE LETTER IN ACCORDANCE WITH REFERENCE, REGULATIONS OF THE FCRA, CFPB, FTC AND HIPPA LAWS AND CONSUMER RIGHTS ; AND NEVER GOT A RESPONSE BACK FROM THEM. I NEVER GAVE THIS XXXX AUTHORIZATION NOR CONSENT TO MY PERSONAL INFORMATION. NOR DID I SIGN ANY CONTRACT WITH THIS SAID XXXX TO PAY ANY DEBT TO THEM. ALSO, IT APPEARS TO BE HIDDING BEHIND THE SHADOWS OF NAVY FEDERAL CREDIT UNION. THEY ARE NOT REPORTING ON MY CREDIT REPORT BUT INSTEAD REPORTS DISCRETELY TO XXXX XXXX XXXX XXXX ( XXXX ), XXXX, XXXX, XXXX ( RECENTLY MERGED ) AND SENDS OUT LETTERS TO ME WHICH IS MISREPSENTATING AND IMPERSONATING AS AN ATTORNEY FOR NFCU FRAUDULENTLY TRYING TO DOUBLE DIP ON A DEBT NOT OWED TO THEM. NAVY FEDERAL WROTE THIS OFF DUE TO HARDSHIP AT THE TIME MY MOTHER WAS XXXX AND I WAS GOING THROUGH A BAD DIVORCED AND LOST EVERYTHING.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32003
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am a current member with Navy Federal Credit Union. Recently I attempted to open a second checking account and was denied due to issues with my account status. Upon contacting NFCU I was told my account was flagged because of sold prior debts. This is where things get really messed up. After being bounced around departments and dropped to phone lines that go straight to voice mail I finally got someone who was able to confirm the loan numbers of the two loans and that they were sold in XXXX of XXXX. This also confirmed they are the same two loans ( the only two I ever had with NFCU ) that were discharged in XXXX XXXX bankruptcy on XX/XX/XXXX. NFCU has told me that the only department that can assist with this issue is the Debt Sale department but when transferred to it, or when calling the direct line number I was provided it goes straight to voicemail. They say to leave a message and they will call back, but nobody ever calls back. Every time I contact them to try and resolve this issue I get lead around the same circle and ultimately referred to a department that they can't even get on the phone. I actually was wanting to repay my discharged debts to them and bring my account back into good standing on the lending side of the table but now I've been dismissed, talked down to, lead on a wild goose chase, generally treated like garbage, and flat told they shouldn't have even opened my current accounts ( had this same fight with them at that time back in XXXX, thought we had resolved it but guess not ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73115
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Dear Sir or Madam, 1. NAVY FCU Account Number : XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with NAVY FCU and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XX/XX/XXXX, I noticed a charges on my account totaling {$380.00}. I submitted a claim to Navy Federal Credit Union, they gave me a provisional credit, and then reversed the credit which cause me more financial harm. It caused my account to go into overdraft, so when my direct deposit was placed in my account, it took everything, which caused for me not to be able to pay my car insurance, my policy was canceled, and I have to pay another fee to get my insurance restarted. XX/XX/XXXX, I received an email that someone hacked into my account and added themselves to my account to transfer money. They made 2 transactions. One was for {$200.00} and the other one was for {$280.00} totaling {$480.00}. I was out of town so I sent an email immediately and told NFCU that I did not authorize these transactions. It has been over a month and there still has not been any resolution to my claim. XX/XX/XXXX, I was looking over my accounts and I noticed a {$2000.00} charge from XXXX XXXX sales that I did not authorize. I asked my brother about it and he admitted to taking my card and making the purchase. I did not authorize this transaction. I have emailed the XXXX XXXX XXXX several times, and there still has not been any resolutions. I have been an victim of identity theft, someone has my information and it seems that they can get access to anything that I have. I filed a police report this past XXXX regarding this. All of my claims has been denied, I filed appeals and they were denied. I asked for a copy of the documents and evidence that was used to determined that these charges were authorized, and I have been denied the paperwork. I have even asked the fraud department, to ask the merchant, do they had video of me in their establishment making these transactions, and was my pin used, etc. They will not help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29212
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello my name is XXXX XXXX XXXX, I have an account with Navy Federal Credit Union. Every month I deposit a check for the same amount of {$1200.00} from the same company into my account. It is usually released in about 2 business days. I called the credit union this morning and found out that it would not be released until XX/XX/22. I am in danger of being EVICTED from my home!!!!!!! I don't understand why I can't have these funds released. I was told that these funds are being held for " my protection '' but I am going to be homeless!!!!! That is NOT protecting me. I have deposited checks for much larger amounts and they did not have an additional 5 day hold put on them. I feel like I'm being targeted! I have not had any deposit I make into my account be returned. I begged the representative on the phone to please give me access to my funds, because I was in danger of being evicted and she had NO empathy. I understand that I am NOT valued as a customer and will start looking for other banking options as I'm sitting while I'm living in my car next week waiting for the my funds to be released.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with NAVY FEDERAL CREDIT UNION. The line of credit I have with NAVY FEDERAL CREDIT UNION is characterized as utilization on my consumer reports. NAVY FEDERAL CREDIT UNION IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : NAVY FEDERAL CREDIT UNION credit card, NAVY FEDERAL CREDIT UNION is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES transactions or experiences between the consumer ( ME ) and the person ( NAVY FEDERAL CREDIT UNION ) making the report is NOT INCLUDED on my consumer report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( NAVY FEDERAL CREDIT UNION ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! NAVY FEDERAL CREDIT UNION HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to NAVY FEDERAL CREDIT UNION expressing my concerns via USPS tracking # XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Fraud Claim has been placed with the Company, information is inaccurate and Causing Public Harm and economic Hardship.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A