Date Received: 2022-01-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: Used XXXX to pay for on-line purchase of XXXX XXXX XXXX. Once seller received the payment ( {$2500.00} ) they did not send the product nor further respond to my communications. They have blocked my telephone calls and refuse to respond to my emails. My payments ( {$2000.00}, {$500.00} ) cleared XX/XX/XXXX & XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, SC. XXXX ( above number & e-mail used for XXXX account ). XXXX bank account. Co-conspirator : XXXX XXXX no confirmed address. XXXX. Their XXXX account is still active as are the e-mail and their phone numbers. My compliant is that I have no recourse to either receive the product or a refund. XXXX has their contact info, I have their Phone numbers and email address and the names they used to scam me. Why is there no enforcement agency that can assist me to resolve this. I am XXXX and XXXX and need assistance as there is no way to cancel a transaction or force a refund. My bank Navy Federal Credit Union essentially tells me tough luck! I received a USPS tracking number but USPS never received any parcel. Isnt there an agency that handles wire fraud, mail fraud, scams, elder scams, tax evasion, false ( misleading ) advertising, or any similar crime. XXXX did not cancel their account so they just continue scamming the public. Where is the justice for me? Or others who have been robbed? Is this legal, sanctioned theft? ( I can not guarantee the stated identities of above persons, I only have email documentation. This is in no way an attempt to defame, harass, or implicate any other person with above names, addresses, emails or phone numbers )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX the XXXX someone got into my navy federal account and took 1,500 $ From my account and transferred it to theirs. I notified navy federal and try multiple times to get my money back and never did. I was also somehow negative at one time I dont know how and they took an extra 400 $ away from me Im just trying to get my money back if you could help please.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32043
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was contacted by Navy Federal Credit Union attempting to collect a debt from me that I never contracted or agreed to pay. They attempted to contact me by phone first, and threatened to show up to my door if I hadn't repaid this debt. I told them I would not have a problem paying on this debt if It were mines but it is not mines since I never contracted or agreed to pay for it. Navy Federal Credit union then started to send me mail stating I owed money on these debts and If I agreed to pay something less than what I owed they would stop contacting me about these debts and remove these debts from my consumers report. I have attached pictures of some of the harrasing mail Navy federal has been sending me regarding these debts. After them harassing me for these debts they started to report negative and defaming information on my consumers report about these accounts. They've been reporting negatively on my consumers reporting and defaming my character since XXXX XXXX. I sent a debt validation letter to them and have yet to receive a response. I sent in another debt validation notice and they stil didn't respond. Navy federal credit union has never supplied sufficient information to me in order to validate the debt.Upon checking this account I noticed Navy Federal credit union reported multiple inaccuracies on these accounts to the three main credit reporting agencies.I immediately thought to myself these accounts were not handled with accuracy or integrity due to the number of inaccuracies within these accounts as 12 CFR 1022.41states. Since Navy Federal has never responded to the debt validation letter which I am attaching the letter I sent to them below or supplied me with sufficient information in order to validate these debts, I know the debt is a mistake and not mines. I don't not feel like my account was handled with accuracy and/or integrity. Therefore, with respect, I am challenging the accuracy and integrity of this information. 12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Due to the number of inaccuracies within these accounts which I have highlighted in the image below in the attachment section I know this debt is a mistake, not mines and shows this account was not handled with accuracy or integrity.As you can see For accounts XXXX, XXXX, there are inaccurate account numbers, date opened, balance, high credit, last reported, past due, date of last payment and date last active reporting to the three credit reporting agencies/my consumers report.Please remove these account from my consumers report. Due to the inaccuracies of these accounts reporting inaccurate information I have been denied loans I would have been approved for had these accounts furnished the correct information with accuracy and integrity. This has caused me sleepless nights, stress and really bad anxiety. I wake up out of my sleep in sweats thinking how stressed out I am going to be regarding these negative accounts especially since Ive already tried to resolve these debts which don't belong to me. Navy federal credit union should be upholding 12 CFR 1022.41 at all times and clearly its not being upheld. ACCOUNT # 'S XXXX, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93725
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I had 9 fees charged to my bank account from XXXX XXXX XXXX from in the month of XXXX alone that they were not authorized to take out
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 17315
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: In XX/XX/XXXX, Navy Federal Credit Union accepted fraudulent information to open a checking and savings account for XXXX XXXX. After numerous phone calls, emails and letters, the account was closed XX/XX/XXXX although mailings continued through XX/XX/XXXX. Requests for information to help identify the perpetrator were made beginning XX/XX/XXXX and continued through XX/XX/XXXX. This included CFPB intervention [ XXXX ], phone calls and registered letters. NFCU informed XXXX, XX/XX/XXXX that a notarized signature, police report and driver 's license were needed to release information ( which is more documentation than that required of the perpetrator ). The information was received by XXXX XXXX, Assistant Vice President Security and Operations via registered mail on XX/XX/XXXX. NFCU has not provided the requested information or due diligence for our mutual protection.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/XXXX I was charged {$20.00} by Navy Federal Credit Union due to an overdraft on my checking account. This was done due to their Optional Overdraft Protection Service, which I do not desire. On XX/XX/XXXX I called NFCU to opt out of Optional Overdraft Protection Service. This {$20.00} junk fee was wholly unnecessary as I had more than enough funds in NFCU savings ( share ) accounts to easily cover the overdraft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Keep getting calls from different accounts open in my name and its not me identity and fraud
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have been an account holder with Navy Federal Credit Union for almost 10 years. I did fall on hard times and I was unable to satisfy a credit card with Navy Federal which resulted in a charge off. This happened quite sometime ago, I would say XXXX time frame. I received notice from a debt collector stating they had bought my account from XXXX XXXX, and I needed to work with them in regards. Today XX/XX/2022 Navy Federal took {$470.00} from my checking account without notice and when I called to discuss, I was met with accusatory language, and was advised there is nothing they can do, as this debt is owed and they can take it as an offset. So I am almost positive that they are not able to do this for an almost 7 year old credit card account as I should be a protected consumer. I know for a fact I am not the only one they are doing this to, and I will not go delinquent on my personal mortgage or car payment because Navy Federal decided they were taking my funds whenever they wanted. Please help me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27909
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I sent a message through the mobile app on XX/XX/22 regarding my Nrewards Secured credit card to get an answer as to why my card was not converted to an unsecured, even though I have had the account for about a year and half now. I received a reply back on XX/XX/22 stating that it was due to my credit score. I sent a response back on XX/XX/22 stating that I have an open account for an unsecured card prior to my Secured Credit Card being open and my XXXXredit score was lower at the time. I also noted that their website did not mention credit approval as a requirement for determining a secured credit card conversion in their Terms and Conditions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76014
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am filing a complaint against my wisely ( XXXX ) debit card inst. ( acc. no. # XXXX ) and Navy Federal Credit Union XXXX acc. no. # XXXX ). On or aboutXX/XX/2021, I instructed my XXXX debit card inst. to transfer XXXX off my XXXX debit card into my " new '' savings account with XXXX XXXX. Upon waiting minutes for this transaction to go through, I continued ued calling both parties to see if the transaction had been completed. After calling Wisely a few times, they finally asked me to check my account number with XXXX XXXX. Upon checking my online app. I saw I failed, as a new member, to push " more '' to get my complete " savings " account number. I gave wisely the first number visible on my " checking '' account number and added my last 4 numbers visible off my " savings '' account. I immediately called Wisely back and told them I gave them the wrong account number at which time wisely informed me, " if I gave the wrong account number the money would automatically go back into my Wisely account. '' I then immediately called my XXXX XXXX account holder and told them of the error and I was told my XXXX went into another XXXX XXXX members account and there was nothing they could do. I filed a complaint with the dispute dept. for wisely and they concluded no error on them because I gave the wrong account number. I told them yes I did but, I instructed them to transfer XXXX into " my '' XXXX XXXX account, not XXXX XXXX! I have lost XXXX dollars and neither account holder wants to take responsibility. XXXX XXXX should have immediately asked did I give wisely the right account number because, after I waited the five days as wisely instructed me to do, XXXX XXXX told me they could have done something about it if I told them sooner.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91325
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A