Date Received: 2021-11-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Earlier this year- I called overdraft fees to be refunded, because they did that in the past, and was informed that they changed their policy and no longer waive overdraft fees. I asked where/ when this occurred and the representative said over the summer ( XXXX ). I have not seen any such record of a change. XX/XX/XXXX I called Navy Federal Credit Union ( NFCU ) about overdraft fees that occurred due to my account being overdrawn. I was given a {$40.00} credit, in order to compensate for XXXX overdraft fees. The solution they offer did not help me at the time. XX/XX/XXXX I called NFCU about overdraft fees, XXXX of them, they occurred on the XXXX and XXXX of this month. They denied the refund with the response that they have the discretion to do so at will. I ask to speak to a XXXX. She mentioned that they have this policy as an option and as such they can choose to waive fees. She also said that she does not refund fees at all. Not only that, but she then said that during XXXX, they waived fees as a discretion. I hung up the phone due to my health issues exacerbating. I have not been able to find the documentation that describes any of this type of changes or the legitimacy of their discretion with the overdraft fees. The XXXX XXXX Terms and Conditions does not list the OOPS information. I have to search for it, and it only describes the policy of charging my account when it is overdrawn. As far as I can tell, they do not violate this policy, but they also remove my account balance information from the past, so I can not tell if they overcharge me or not. I recognize that I make the decision to take money that is not there at the moment, and according to the policy they can charge me {$20.00} a day. This kinda makes sense. I ran into issues years ago and due to my health can not get out of the financial rut. As of this year, I have been charged {$460.00} in overdraft fees, and have been given {$60.00} returned. I attempted to look at last year, but they do not let me see my full accounting information past a few months. I am not seeing where they denied my XXXX attempt to get overdraft fees returned. And today I was told that they did help individuals during the pandemic. But why not me? Are they discriminating against my veteran status, or my XXXX, or my lack of employment? I had XXXX XXXX XXXX tell me that I shouldn't have a bank account because I am XXXX. Maybe there is a trend here for XXXX veterans being taking advantage of by EVERYONE! I am a XXXX veteran with mental and physical health issues. The VA has not helped with those issues. I feel trapped in this situation. I am attempting to resolve my health issues, but I am technically on my own. Not only that, but I have asked NFCU for assistance in attempting to resolve my financial situation through a loan or guidance, and I get denied. From my perspective, the VA is solely to blame for my current situation, so maybe they are not supposed to help me. And maybe my complaint about these fees is moot due to the notion they are not violating their written policy, but it's technically not written they can waive or not waive these fees. I remember them waiving up to XXXX of dollars in fees at once, but I can not find that transaction anymore. The density of confusion has weighed on me for too long, and this is no longer working. I feel that the inconsistent use of overdraft fees has negatively impacted my mental health in a profound way.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 74105
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I initiated a consumer credit transaction with NAVY FEDERAL CREDIT UNION XX/XX/2021 to obtain a charge card on credit. NAVY FEDERAL CREDIT UNION falsely and illegally turned this consumer credit transaction into a loan in which they are now attempting to collect on an alleged debt that I do not owe as a consumer. During the CREDIT application process I submitted my credit card ( social security number ) which was used to access monies from my account at the treasury. In this consumer credit transaction I have an open end consumer credit plan in which NAVY FEDERAL CREDIT UNION repeatedly obtains money from my account at the treasury to cover charges on my charge card ending in XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I would like for the NAVY FEDERAL CR UNION to show proof of verification that I owe them {$3.00}, XXXX with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28546
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The company is committing fraud through debt collection act, by reporting inaccurate information. I have no contract with this company. I sent a letter to the company to cease and desist in XXXX, and the information still shows negativity on my credit report as showing late payments. The amount reported on my credit report is XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91941
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was the victim of a scam. I thought I was talking to an associate on social media about doing bitcoin mining. She then put me in contact with someone else on XXXX page name XXXX. I decided to try it and they instructed me to purchase {$3000.00} of bitcoin then had me send to an external wallet that put the funds on this website XXXX. After the funds were supposedly there they started asking me to double my investment amount which led me to thinking it was a scam. I contacted my bank and put in a dispute. I also attempted to try and get them to return my funds but I was advised that Id have to pay {$4000.00} to get the funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2021-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: on XX/XX/XXXX i sent a letter of validation to navy federal credit union. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under 15 us code 1681 the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of 15 us code 1692f. 15 us code 1635 was not disclosed to me either this is also violation of federal law. 15 usc 1605a was not disclosed to me. Nav federal is attemping to collect an alleged debt illegaly via XXXXXXXX XXXX. article 1 section 10 states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to XXXX and unlawful use of my consumer report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2021-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: after speaking with legal counsel i found that navy federal navy credit union is in violation of TILA failure to disclose to me about my open ended consumer plan 12 CFR 1026.5 and the finance charge the sum of all charges pursuant to 12 CFR 226.4. Navy federal fail to XXXX out my account monthly. Already sent in a billing error affidavit of truth 12 CFR 1026.13 which was sent certified mail with a green return receipt. am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of the account and ledger and debits of the account to verify the current accounting and taxes associated with this account. information need to be provided to see who funded this account. banks can not lend its credit or its money. EMBEZZLEMENT, THEFT BY DECEPTION & EXTORTION FAILING TO DISCHARGE ALL DEBTS PURSUANT TO 73RD CONGRESS. SESS 1. CHAP. 48,49. JUNE 5, 6,1933, HJR 192 HR 1491 PUBLIC LAW 1 48 STAT 1 PUBLIC LAW 10 CHAPTER 48 STAT 112 PUBLIC LAW 73-10 40 STAT 411 TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 ON JUNE 5, 1933, CONGRESS ENACTED HJR-192 TO SUSPEND THE GOLD STANDARD AND TO ABROGATE THE GOLD CLAUSE.THIS RESOLUTION DECLARED THAT WHEREAS THE HOLDING OR DEALING IN GOLD AFFECT THE PUBLIC INTEREST, AND ARE THEREFOR SUBJECT TO PROPER REGULATION AND RESTRICTION ; AND WHEREAS THE EXISTING EMERGENCY HAS DISCLOSED THAT PROVISIONS OF OBLIGATIONS WHICH PURPORT TO GIVE THE OBLIGEE A RIGHT TO REQUIRE PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY ARE INCONSISTENT WITH THE DECLARED POLICY OF CONGRESS..IN THE PAYMENT OF THE DEBT. THIS RESOLUTION DECLARED THAT ANY OBLIGATION REQUIRING PAYMENT IN GOLD OR A PARTICULAR KIND OF COIN OR CURRENCY, OR IN AN AMOUNT IN MONEY POLICY ; AND EVERY OBLIGATION HERETOFORE OR HEREAFTER INCURRED, SHALL BE DISCHARGED UPON PAYMENT, DOLLAR FOR DOLLAR, IN ANY COIN OR CURRENCY WHICH AT THE TIME OF PAYMENT IS LEGAL TENDER FOR PUBLIC AND PRIVATE DEBTS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2021-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I sent Navy Federal Credit Union XXXX XXXX XXXX XXXX on XX/XX/2021 and they received it on XX/XX/2021 at XXXX. Stating the facts with proof and exhibits. They have failed to respond to my previous complaint and is now in default. XXXX XXXX has been false and misleading during this entire consumer credit transaction. They have been sending false character amounts, reporting false information on my consumer report and calling at inconvenient times.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I did not get a car loan and would love for this to be removed off my credit report as soon as possible
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98023
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX - applied for XXXX with Navy Federal Credit Union. This could actually be characterized as a renewal as I had just come off a XXXX year XXXX with NFCU. At the time ( XXXX ) they had ceased writing/renewing XXXX due to the pandemic economic fallout. When they restarted in XXXX, I reapplied. XX/XX/XXXX - Credit Denial due to " Insufficient Number of Credit References ''. I have a XXXX score of XXXX out of XXXX on XXXX and XXXX out of XXXX on XXXX. I have XXXX revolving credit card accounts all with an EXCEPTIONAL rating. I have no mortgage on the property ( paid off long ago ). I have no debt except the usual monthly expenses - paid-in-full each month. I submitted cash reserve figures in the low XXXX digits. I had an impeccable XXXX year record with the previous NFCU XXXX, and another before that. My only conclusion is their negative decision was based on my age. I'm XXXX. This stinks to high heaven of age-discrimination.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96825
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A