Date Received: 2021-12-20
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have requested a credit increase on multiple cards and never received it. On XXXX XXXX, 2021 I received a letter stating that Ive reached navy federal maximum unsecured limit, which is not true, I reached out to the bank personally and they offered no information as to why, when I could get one or what is going on.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Over the weekend I filled out an application online to start my non-profit working primarily with military veterans. I have been volunteering in the community for years, my son is a veteran and ex-husband. Over the years I heard the complaints about being able to find jobs for military transitioning into civilian world. I have helped many military with writing resumes that convert civilian and federal to facilitate them with finding gainful employment. After speaking with my State Representative about starting the non-profit she suggested that I work with military families because working just silo helping the enlisted they would be served better as a family unit. So when I spoke with the man on the phone he asked me who I would be working with and I stated some of the civilian population he stated that I had to work exclusively with military families, I told him that would not be a problem because I have been doing that anyway. I did not know that we got disconnected I kept saying hello and no on answered so I hung up and called back. I spoke with another worker who asked me a lot of questions like I was a criminal. I obtained my XXXX XXXX we have been unofficially working in the business with military before XXXX my State Rep convinced me it was time to start the non profit. I asked to speak to a Supervisor XXXX answered she listened to the tape and said I could not change my mind based on the information I was given about exclusively saying I would only be working with military families. She had aggressive undertones would not allow me speak with her superior and denied my application. One of the goals for my non profit is to raise funds to obtain a portable shower for the XXXX veterans. The next called stated he felt if you served a short time you should not me considered a veteran. I don't know if Mondays are bad days for these people but if I already work with military XXXX percent over the years working with them exclusively would not be an issue. I am in the beginning stages of starting my business did I plan on working with only the military no not initially but if I need to only work with them it is important enough for me to do so. Resume writing, entrepreneurship, workshops, seminars, coming into alliance with other organizations that can fill those gaps would not be an issue. These were some rude, unprofessional aggressive people, they acted like changing my mind was a cardinal sin. I asked for the paperwork in writing that said I could not meet those guidelines and focus exclusively on the military and families. She denied my application because I changed my answer based on the information that was presented. She refused to allow me to talk to anyone else and told be to go to another bank The second guy I spoke with was no better. I am sure their is someone who can overturn this decision so that I can work with military families who are struggling to make ends meet. Or military families who can not make the transition into civilian world and continue to have a career. Or military who may want to start a business or side hustle and attend my workshop, seminar, webinar. I was asked would I be online or in person. I prefer in person because they need hands on face to face help with taking the necessary precautions. I could understand if they said we can only open the account if you can work military families exclusively according t the guidelines. They just flat out denied me after I found out what the guidelines stated that should tell you that i really care about the military if I am willing to exclusively work with that community. This is what happens when you are legitimate and have a true heart to work with those that serve us, many of them are getting out because of not taking the vaccine and will need assistance. I appeal this decision and believe I was treated unfairly. I would like the denial of my application overturned.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Yes I messaged Navy federal about unauthorized charges on my credit card account they ignored the issue and proceeded to close my account and have it in a frozen status they even locked me out of my account. I did an investigation to remove the inaccurate information from my report it took more than 30 days and they did not update me they just said it was verified from XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. NAVY FCU # XXXX {$2500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : 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: 75052
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I requested a credit limit increase with many federal and it was denied due to high balances. Decision was made after reviewing my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: Ive contacted Navy Federal numerous of times and informed them that I do not give them permission to give my information to any credit bureau. I also reported that they are not allowed to report any negative balances, remarks etc on my report with any bureau. This is my right as a consumer, and I demand they stop immediately. My information is not to be shared with any third party.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94547
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I used my personal identification and credit card information defined under 15 usc 1602 ( f ) to open an account with Navy Federal Credit Union. Navy Federal Credit Union is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Navy Federal Credit Union has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Navy Federal Credit Union has disabled accesses to my account but has no authority to authorize use of my credit card or any account associated with my open end consumer credit plan. 15 U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Navy federal is also in violation of 15 USC 6802 1 ( b ) - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given an explanation on how I could exercise the nondisclosure of my personal information and I also was never give the opportunity to prevent the disclosure of my personal information
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I contacted my bank once I realized I was a victim of fraud and tried to get them to cancel a transaction but was advised I had to wait until the charge cleared to complete my fraud claim. I thought I was investing in bitcoin mining only to find out it was a scam the next day after sending the funds to the scammers. Navy Federal has a zero liability policy that states a customer can be covered for transactions they didnt authorize or benefit from. When I was finally able to put the claim which didnt happen until 5 days later. the representatives made me feel as if I would be to get my funds back because of the aforementioned policy and I asked specifically if by me initially authorizing the payment would that prevent me from being covered they advised no. A week or so late I get a letter saying my claim was denied because I authorized the transaction which was never information that they didnt know as I told them I initiated the transactions but found out I was being scammed. After speaking with another rep she advised me that they shouldve put my claim in as a dispute and not fraud and stated I should submit another claim but as a dispute and not fraud. Several weeks later they come back with the same decision this time stating that I was charged for the amount I owed after receiving merchandise or a service which I havent received the scammers have my money. I sent screenshots of the conversation between me and the scammer and screenshots showing the website the scammers gave me thats is now down. I was a victim of fraud and Navy Federal has come to 2 decisions that is doesnt support the documentation I sent to them. Ive been banking with them for several years and when Im a victim of fraud they totally disregarded it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Account opened when I was XXXX in my name then closed then opened a few months later when I was XXXX I didn't want an account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Unfortunately, due to XXXX and health issue in our family, I had to file for Bankruptcy. I informed Navy Federal Credit Union on XX/XX/2021, via online banking messaging center. I received a response, from XXXX XXXX, which confirmed their receipt of the message. I deposited funds into the account to assist with medical needs, and the funds were being transferred to an external account. XXXX XXXX withdrew the funds and applied 3 amounts to credit cards which I had included into the Bankruptcy. This is causing issues with my filing of Bankruptcy, as my lawyer has advised me to not make any payments on loans which are being included into the Bankruptcy, as it may affect the filing process. XXXX XXXX refuses to return the funds, which not only they should have not removed as they were notified that I am in the process of filing for Bankruptcy, but caused my external account to incur several fee 's.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A