Date Received: 2022-01-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I joined a company called XXXX XXXX to be an independent consultant and sell their jewelry. I joined in XXXX of 2021 and purchased many many pieces with the clarification from the company that all pieces were Nickel and Lead free. Within the past couple of months, I have been made aware that the pieces do contain both nickel and lead and also have other toxic metals in them. I have lab results to verify this information from a credited lab. I have reached out to my bank to dispute all funds that were used to purchase these pieces since I can no longer sell this toxic stuff. I have tons and tons of pieces in my house that I have emailed XXXX to ask for a refund and I would send the items back to them, but they are refusing. I also have documents where on XX/XX/XXXX their website stated it was Lead/Nickel free then on XX/XX/XXXX they removed that part of the statement on their website. I am just trying to get reimbursed for this XXXX that I have in my possession that I can no longer sell to people.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
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've been reporting negatively on my credit reporting and defaming my character since XXXX XXXX. I sent a debt validation letter to them and have yet to receive a response. Navy federal credit union has never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. I challenge the accuracy and integrity of this information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that date furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer. 12 CRF 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : 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. Below I have attached a screenshot of all the inaccuracies attached to these accounts, along with these screenshots you will see the lack of integrity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93725
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX Navy Federal ran my credit on what was supposed to be a soft pull but instead wound up being a hard pull on a car loan pre approval request. My credit score is in the 700s & for whatever reason they denied me to add to this situation. I sent a letter to Navy Federal asking that the negative information be removed as it wasnt supposed to be a hard pull & the fact that I was denied credit. This is a clear violation of the FCRA
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On the morning of XX/XX/XXXX, I, XXXX XXXX was notified of a situation where my domestic partner XXXX XXXX had opened a new personal account checking and savings with Navy Federal Credit Union on XX/XX/XXXX, and over night Navy FederaXXXX XXXX had taken {$2000.00} of her opening checking deposit which was {$2200.00} ( a XXXX Payment from her Employer for her 30 day pay period the month of XXXX. ) as repayment for my navy federal credit card visa cash rewards card # XXXX which was discharged as bad debt many years ago due to non payment. The situation was very strange as I was not added as any type of joint user on the new checking and savings acounts she opened XX/XX/XXXX. And this credit card debt which was discharged in XXXX or XXXX I believe, did not belong to her. All collections would tell me is " Shes not getting her money back. '' She was very upset as she had immediately processed our rent payment of {$2000.00} by echeck to XXXX XXXX XXXX with the XXXX payment from her boss. After she spent all day begging collections to give her her payroll money back so our rent could clear, she was told XXXX from new member services would review the new member account opening recording and decide if this was a bank error and she would get her money back. After reviewing the recording XXXX decided it was a bank error and XXXX XXXX was due her money back. But then XXXX told XXXX the returning of her initial deposit money back was conditioned upon me XXXX XXXX calling Collections supervisor XXXX id # XXXX for some reason and they would not say why. When we tried repeatedly to reach XXXX, and were unsuccessful we were put in contact with XXXX XXXX in collections who told me that in order for XXXX XXXX to receive her initial deposit money back, I had to agree to a payment arrangment of at least {$300.00} a month with initial payment starting in the month of XXXX to repay the discharged debt related to the visa acct # XXXX. Because XXXX payroll check and our rent echeck were being held hostage I was forced to agree although I can not afford that high of a payment to them. When I asked how me starting to pay on this discharged debt again will effect my credit, XXXX XXXX said it may appear negatively again if I default, but she could not say if anything positive would happen or how it would be reported since the debt was already discharged many years ago. I would like some help understanding how what happened today effects my credit going forward and how navy federal XXXX is allowed to use a new members opening deposit to twist my arm to make an arrangement with them on a credit card debt from many years ago I can not afford to pay at this time.
Company Response: Company believes complaint is the result of an isolated error
State: CA
Zip: 90715
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened a new account with Navy Federal Credit Union yesterday XX/XX/22, Checking and Savings, I was asked if I wanted to allow any joint users and I said No, I was told checking and savings were both free, I made their {$5.00} required deposit to become a new member, and they helped me set up a XXXX account so my employer could transfer my payroll check for my last 30 day pay period. My employer transferred {$2200.00}, I went online and paid my rent to XXXX XXXX XXXX by echeck with the account information. I went in my account this morning and {$2000.00} is missing from my new account the transaction shows as an " adjustment '',. And I still have the outstanding check that is currently processing for my rent. Navy Federal is stating that the money taken was a credit debt for another member who I was associated on another account with. I said I did not allow any joint users on this new account. The collections department who I do not owe any money to is very rude and unprofessional, I have never had any credit debt with navy federal, they are treating me very unfairly and I have been on the phone all day with different " managers '' who say they are reviewing the calls to see if I in fact intended to open a new account. If my rent check bounces my late fee is {$120.00} plus any bounced check fees and I will no longer be allowed to use the echeck system through my property manager again due to navy federal tricking me. They lied to me about what they were doing with the new account and took my money for a debt that does not belong to me. This was supposed to be a new account and they tricked me and stole my payroll check for an entire 30 days. I will face many fees and financial damages I can not afford because of them lying to me about my initial deposit. The worst part is how they treat me trying to ask for help, I am taken in circles and have explained the situation repeatedly to many people who say they are reviewing recordings while my families rent is on the line and they could care less. This is making me sick to have my money stolen for choosing to be a member of their credit union.
Company Response: Company believes complaint is the result of an isolated error
State: CA
Zip: 90715
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have inquires on my credit report that i never applied for
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to XXXX XXXX, XXXX and NAVY FEDERAL CREDIT UNION for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & send requested information. They are now 30+ Days late. They have repeatedly harassed me with communication in the past without proper validation and is knowingly reporting misleading false information on my credit report. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Other transaction problem
Subissue:
Consumer Complaint: PLEASE the attached STATEMENT OF FORGERY WHICH LISTS IN DETAIL THE PREVIOUS FRAUDULENT ACTIVITY REPORTED ON MULTIPLE ACCOUNTS THAT I HOLD WITH NAVY FEDERAL. main amount of money was an internal member to member transfer from my account into another members account who i have never even heard of & do not know. i was told by the XXXX rep that this man 's name was added to my account 3 transfers were made on the same day in the amounts of 1. {$5000.00} 2. {$150.00} 3. {$550.00} a TOTALING XXXX and then was immediately deleting from being attached to my account.!! I HAVE ATTACHED THE COMPLAINT FILED WITH THE FEDERAL TRADE COMMISSION AND WILL BE CONTACTING VISA AS WELL. I WILL CONTINUE TO PURSUE ALL AVENUES AVAILABLE TO ME IN ORDER THAT ALL MONEY ILLEGALLY TAKEN FROM MY ACCOUNT EITHER BY THIEVES OR IN ERR BY THE BANK ( NAVY FEDERAL ) THAT I ENTRUSTED TO SAFEGAURDMY MONEY. IN XXXX OF XXXX, I HAD {$56000.00} IN MY XXXX CHECKING/SAVINGS ACCOUNT AS WELL AS {$3000.00} IN A SECURED NAVY FEDERAL CREDIT CARD IN ORDER THAT I ACHIEVE THE XXXX SCORE NEEDED TO QUALIFY FOR A FIRST TIME HOME BUYERS LOAN. ( I WAS TOLD XXXX, I HAD A XXXX ) AND I WAS LOOKING FORWARD TO WORKING WITH A NAVYFEDERAL MORTGAGE ADVISOR AND HOPING TO BE IN A NEW HOME BY THE BEGINNING OF XXXX. ALTHOUGH I WAS STEADFAST IN THE HANDLING AND REPORTING OF ALL IDENTITY THEFT/FRAUD SCAMS AND FOLLOWED ALL ACCOUNT REQUIREMENTS IN ORDER THAT MY FINANCIAL SITUATION REMAINED IN GOOD STANDING. XXXX OPTED TO SUSPEND MY DEBIT CARD PRIVILEDGES AND REVERSE ALL PROVISIONAL CREDITS PREVIOUSLY PLACED IN MY ACCOUNTS SAYING I WAS IN " VIOLATION OF THE DEBIT CARD AGREEMENT '' BUT NEVER SPECIFYINGHOW OR WHY THIS CONCLUSION HAD BEEN REACHED. THEN BEGAN RACKING IN {$29.00} RETURNED ITEM FEES EVEN THOUGH THE ITEMS WERE NOT PAID AND I HAD OPTED OUT OFI WAS LEFT UNABLE TO PAY MY BILLS AND FINANCIALLY BANKRUPT ( NO JOKE ). I HAVE SINCE FOUND ACCORDING TO THE FAIR CREDIT BILLING ACT, I AM LIABLE FOR NO MORE THAT {$50.00} IF CARD NO LONGER IN MY POSSESSION AND {$0.00} IF STILL IN MY POSSESSION. I AM THE VICTIM OF A HACKING SCAM THAT HAS LEFT ME NEARLY DESTITUTE ... no matter how hard i have tried to keep my head above the water, i am fighting obstacles every step of the way. I DEMAND TO BE MADE WHOLE AGAIN IMMEDIATELY! THIS IS NOT OF MY DOING AND I WANT EVERY BIT OF MY HARD EARNED MONEY BACK!! ATTACHED:1. STATEMENT OF FORGERY2. 1ST REPORT OF FRAUD TO FTC.GOV 3. 2ND COMPLAINT TO FTC.GOV4. BANK STATEMENT SHOWING TRANSFER TO XXXX XXXX? ( I NEED THIS BACK IMMEDIATELY ) THIS SHOULD BE A VERY STRAIGHTFORWARD AND SIMPLE ITEM TO FIX!! IT WAS ORIGINALLY REPORTED ON XX/XX/XXXX. I WANT THE PROPER REPARATIONS MADE AND NO FURTHER DISRUPTIONS TO MY LIFE AND OR VERY VALUABLE TIME!! ORIGINAL FRAUD REPORTED AT END OF XXXX! I SHOULD NOT HAVE TO FIGHT THIS LONG AND HARD FOR MY OWN MONEY!!!!! 5. EMAIL PERTAINING TO XXXXCHARGE OF {$230.00}. I HAVE BEEN WAITING ON THEIR CREDIT SINCE XX/XX/XXXX & I PREFER THAT NF FIX IT NOW AND COLLECT FROM THEM. THIS SHOULD BE SUFFICIENT EVIDENCE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/XXXX, I noticed a pending transfer transaction of a negative - {$400.00} on my personal banking account to my open end consumer credit plan. This caused me to XXXX out of control and I called Navy Federal Credit Union ( NFCU ) to find out who fraudulently transferred money out of my account. The NFCU customer representative named XXXX told me that my account was not hacked and that it was NFCU Collection Department who transfer the money fraudulent without my approval or request. When I asked XXXX why did NFCU Collection Department would fraudulently transfer my money to an open end consumer credit plan that I extended to NFCU to extend back to myself she responded by saying I should call their collection department to find out. In addition, NFCU Collection Department also sent a deceptive debt collection letter to me that included their company logo, false reporting to credit bureaus instead of credit reporting agencies, accusing me of owning a debt on my open end consumer credit plan that is suppose to reset after the balance hits its max limit and a finance ( interest/percentage rate ) charge ( {$50.00} or less ) is paid. NFCU also fraudulently transferred a negative - {$360.00} of my money to my open end credit plan on XX/XX/XXXX. NFCU is not properly handling my open ended consumer credit plan properly and that is causing me a great deal of XXXX XXXX and reporting negative information to credit reporting agencies, and stopping me from extending line of credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a pending deposit of XXXX coming from my ssdi check, which is direct deposited. Any other time, such as with XXXXXXXX XXXX check my money is available on the Friday beforehand. My account is already overdrawn. I have yet to receive access to my funds based on navy Federal credit union internal policies regarding ach deposits and access to those. Questions ignored by the representative I spoke with : did y'all change the processing times ; are y'all behind because of the holiday, why is it being treated as a paper check based on funds availability. Legit was told that the holiday would Delay access to my direct deposit. So now it's the holiday weekend, the XXXX of the month, & the last part of the year & somehow my money isn't my money. This is domestic terrorism. I recently had a negative interaction at a food shop with someone claiming she was navy across the street from the bank and 3 weeks later? This. Believe she's a banker. XXXX hair. XXXX cut.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A