Date Received: 2021-11-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Navy Federal mailed out my Visa Platinum card and either it was lost in the mail or they had mailed it to the wrong address, I did not receive the card and fraudulent transactions were made on the card by some unscrupulous person in the amount of XX/XX/2021 {$3200.00} XXXX XXXX XX/XX/2021 {$1000.00} XXXX XXXX XXXX I contacted Navy Federal Credit Union and they refused to do a adequate fraud claim. I called both companies my card was fraudulently charged at and they agreed to refund the money if they receive contact from Navy Federal Credit Union but instead they disrespect me and hang up the phone on me when I call and saying I have to pay the fraudulent claim. It is terrible over there. The credit union misled me about its debt collection practices and also unfairly froze customers out of their own accounts without adequate warning, affecting me and also canceled my Visa signature rewards card without me knowing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77840
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I am XXXX XXXX, consumer, natural person, and original creditor of an open-end-credit plan, was denied my right of credit by Navy federal Bank. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by Navy Federal Bank via mail and by email. According to 15 USC 1602 definitions of the Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by Navy Federal Bank 's adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). Navy Federal Bank is now civilly liable to pay me for the damages.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I started to look for a vehicle this summer and a bunch of inquiry reports just started popping up under my profile then I noticed two or three loans assumed that I have no knowledge of all around {$40000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was looking for a home to rent in my area. I came across something in my price range and reached out to the " owner '' of the home. We spoke over email and text messages. They sent me an application, I filled it out and returned it to them. They approved my application and we spoke more. I went and looked over the home, people living there. I didn't think much of it. The " owner '' then requested I pay a deposit, I did that through my bank as a transfer. They received it and requested I pay first months rent before sending me everything that I need to move in. I politely declined. Then realized after I had sent the initial {$990.00} that it was a scam. I sent them the {$990.00} on XX/XX/2021. I went to my bank immediately on XX/XX/2021 to file some sort of report and try to get my money back. I went directly to a Navy Federal Credit Union branch, whom I've had an account with for almost 10 years. They filed a Fraud Dispute and gave me the paper work. I received the money back into my account on XX/XX/2021. I was under the assumption things were good to go. I then received a letter stating my dispute was denied and I am now responsible for the {$990.00}. A Navy Federal employee that I spoke with after I received the denial letter said that there was nothing they can do for their members that have been scammed. There is no protection for members in this. The scammers will win every single time. Which is extremely unfortunate. I never made a police report due to going directly to my local branch and they taking care of it. I was never advised to make a police report either. It's been a whole month and the scammer has moved on. There is nothing that can be done for myself or any other member.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80917
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My son was XXXX when he went into XXXX XXXX ( in XXXX of XXXX ) and per the XXXX, he was required to open up a checking account so that his XXXX pay could be deposited directly into his account. My son and I went to Navy Federal Credit Union in XXXX, Virginia, the week before he left for XXXX XXXX and they ( the credit union ) had him open up both a checking and savings account, which I did not oppose. I was required, however, to be a joint account holder on both accounts in that he was still a minor. Those were his accounts, however, and were not used nor monitored by me. When he turned XXXX, I never removed myself from his accounts, and again, did not monitor or use either account. I have my own at a different bank. He apparently opened up several ( or some, I'm not even sure ) lines of credit and other loan products on one or both of those accounts. I was unaware of what he did, and did not consent to nor sign off on any promissory note. I'm not even clear as to when these things were done, and I never received anything from Navy Federal about any of the activities or transactions on any of those accounts. My son separated from the XXXX in XXXX of XXXX. I was still unaware of anything pertaining to those accounts. In XXXX while trying to refinance my home ( that I've had for over 20 years ), it was discovered by my lender that Navy Federal reported that I have accounts in default with them. Thinking that he ( my son ) might have let his checking and/or savings go into the red when he initially left the XXXX and before he started his new career, I contacted Navy Federal to ask what I had to do to bring the checking and savings accounts into the black. I was advised that both of those accounts were written off by the bank. I advised that that information is contained on my credit report and asked what I needed to do to remove that blemish. I was advised to fill out a request form asking to be removed and to send it to an address on the form or at any branch. I filled out the form and returned it to Navy Federal, who promptly denied my request and gave me an 800 number to call for an explanation. I called and was unable to get through to anyone, so I called a local branch and spoke to a branch manager. This was just this month ( XXXX of XXXX, or perhaps the latter part of XXXX ). That is the first time that I learned of all the other accounts ( financial products ) that were tied to the initial checking and savings accounts. Please note that I have my own savings account at XXXX XXXX, and a Visa card as well, both of which are in excellent standing. I'm not sure how XXXX XXXX could tie my son 's new lending products to these two accounts without notifying the joint account holder ( me ), and I should not be held liable for any of it, beyond what I agreed to. I only signed an authorization form to be a joint account holder on his initial checking and savings accounts, and nothing else!! Anything else done with those accounts was done without my authorization, permission or knowledge, and the blemish on my credit report should be removed. Thank you for your time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am in the process of working with a mortgage lender to get approved for a VA Mortgage loan. The mortgage lender sent me a copy of what is showing in their underwriting system. Navy Federal Credit Union is currently reporting that my home is in foreclosure and payments are over 180 days late. This was last reported in XX/XX/XXXX. I briefly fell behind on my mortgage payments after I was furloughed from my job. I have been current on my mortgage payments since early XXXX, well over a year. I called Navy Federal Credit Union twice to have this corrected and to request a letter stating I am current on my mortgage payments. They have refused to provide a letter before 5 to 7 business days or immediately correct their fraudulent credit reporting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2021 my XXXX XXXX savings account was hacked. The hacker used the savings account to access my checking account. The hacker performed XXXX transfers to multiple accounts within the same bank. A total of {$9000.00} where removed from my checking account. The bank stopped a XXXX transaction of and additional {$3000.00} that the hacker was trying to remove from my account. I realized this happened on XXXX, when I placed the fraud call to the bank. I was told the bank would start an investigation and that it would take XXXX business days to resolve. on the XXXX days I called the bank and was told that there was no information on my case and that the XXXX department was very backed up and that it can some times take 15 days. On the 15 day of my claim, I called the bank again and was told that there was no updates on my account. and that they would send a message to the fraud department and that someone will call me back with XXXX hrs. No one called. I called the bank again and was told that there was a {$2000.00} credit coming to my account and that the rest of the money would soon follow. I waited a few days and called the bank again. I was told that there was no more updates on my account and that they would have someone called me back with in XXXX hours. It has been almost a month, and the bank has failed to return my money or give me any explanations as to what happened or how they got my {$2000.00} back. They lied and said the investigation would take XXXX business days, and then changed it to 15 days because they were behind. The bank also promised to have someone from their security/fraud department would return my call within XXXX. and no one ever called me back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Every time I try to get and increase Im told no, the last time I applied for a new account I sent them a message and my response was rude and ugly and was told that NFCs stand their grounds and I need to check my XXXX account before applying for anything else.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I received mail from this company, Navy Federal Credit Union, telling me I made deposits to this bank, I have been with the same bank for many years, it's the only bank account I have. I never even heard of this bank. I am being scammed and harassed by this company, I have mail they have sent me, I called them to tell them they have the wrong person, I'm XXXX XXXX XXXX on a fixed budget, I would please like an investigation on how they have my name and address, I would like to file a law suit. also, I intend to write to our Attorney Generals ' office XXXX XXXX XXXX I will not stand for being scammed by this company! I also want to have them investigated by the FCC and Consumer affairs, can you please advise me as to who else I can contact to have them investigated, I appreciate all the help. Thank you very much.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A