Date Received: 2021-11-12
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: XX/XX/21 XXXX XXXX purchased ticket from smartfare {$140.00}. XX/XX/21 XXXX XXXX -charged pending for {$300.00}. I was sent an email with no purchase price just a confirmation. It says if there was a problem I needed to call them. XX/XX/21 XXXX - called XXXX customer service to report the problem. He said there is no nothing he could do. I asked for a supervisor. I was told a supervisor XXXX would call me back. XXXX I called again. Nothing happened. XX/XX/21 I called navyfederal credit union to file a dispute on the charges. The bank gave me a temporary credit for the amount. It was going to be investigated. I provided documents and confirmation with no information from the airline I was given. XX/XX/21 - the credit of XXXX was taken back.i called navy federal credit union again spoke agent who in turned called visa.Visa told her for me to provide a detail report of all that took place. They would see about returning the funds. XX/XX/21 I called NFCU again to check on the status. I was then told to give more information. I did give the information requested on the phone as we talked. They told me they couldn't get a response from the merchant about the charge. So they denied my case again. I was told to put in a claim again. It would take longer. I did. XX/XX/21 - Called NFCU to check status was told that it is not fraud. It was error on the merchant part. I just want to file complaint to have my funds return to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92027
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have 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. I want an answer immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had an collection account with NFCU and it was settled back in XX/XX/2021 this is my second complaint pertaining to this matter because one of the accounts is still reflecting derogatory in the status and still effecting my credit in a negative way. This is past the 90 days to have it fixed properly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: In XX/XX/2021 I mailed Navy Federal Financial Group : a cease & desist, affidavit of truth, and billing error via certified mail. Navy Federal Financial Group has not responded back with a certificate of indebtedness and/or the original contract with my wet signature. I would like to resolve this issue outside of court IMMEDIATELY. If not, I WILL pursue litigation to have this issue resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I disputed four old charge off accounts with Navy Federal that are past the statue of limitations with XXXX credit bureau. XXXX upon completion of the dispute deleted the accounts. Navy Federal Credit Union reinserted the accounts in violation of FCRA after having been deleted from my credit report for months.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20659
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
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: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I have been a member of navy federal for a while and have repeatedly been denied for an auto loan preapproval. I have appealed the decision and never get any explination. Im aware of other people who have been pre-approved with much worse credit and lower income so I feel as though I am being discriminated against chich is a violation of the Equal Credit Opportunity Act ( ECOA ) 12 CFR Part 1002. Navy federal claims they could not verify my employment yet they never attempted to
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, while checking to see if a deposit had been made to my Navy Federal Credit Union savings account, I discovered that {$5000.00} was labeled as PENDING to be transferred out of the account. I immediately called NFCU and explained that I had not authorized a {$5000.00} withdrawal. Since the transaction was PENDING, I asked if the transfer could be stopped and was told it was too late to stop. The NFCU rep kept referring to email correspondence in which she said I had opened an external account and instructed NFCU to transfer {$5000.00} to it and I kept repeating that I had no idea what she was talking about. Somehow, the thief had gained access to my email account, corresponded with NFCU as me, NFCU had responded to the thief 's request, and the thief deleted the NFCU email correspondence and I found it in my XXXX trash. The thief had a XXXX XXXX bank account ready to receive MY money which was transferred to the thief on XX/XX/XXXX. On XX/XX/XXXX, the stolen {$5000.00} was credited back to my account. Since no correspondence accompanied the credit, I assumed the money was returned by XXXX XXXX and the matter was over. On XX/XX/XXXX, an NFCU letter dated XX/XX/XXXX was received stating the {$5000.00} credit was provisional. I immediately responded stating my position and then waited to hear from NFCU to ask for more information regarding my claim. No request was ever received. Instead, on XX/XX/XXXX, an NFCU letter dated XX/XX/XXXX was received stating that I am " responsible for the full amount of the claim, {$5000.00}. '' At no time has anyone ever contacted me to explain why I am responsible. At no time did anyone explain that I had the right to file an appeal to this erroneous claim against me. On XX/XX/XXXX, I called the fraud/security department. Very unwillingly on his part, I spoke with a supervisor who refused to answer any questions I had about the claim and why I was being held responsible. The only thing he managed to do was tell me that I should file the NFCU appeal form. On XX/XX/XXXX, I went to an NFCU office and spoke with the branch manager. I have had an account with NFCU since XXXX and have never had any problems. I wanted to have a face-to-face meeting with an NFCU rep, but the branch manager was so uncomfortable speaking with me that I finally left because it was a waste of time. On XX/XX/XXXX, I went to my local police department to file a report of a criminal offense. The police report was transferred to their Investigative Services Division on XX/XX/XXXX. On XX/XX/XXXX, I went to an NFCU branch office and asked that branch manager to email the completed NFCU appeal form to Security Appeals which she did. I wanted no question as to when the Security Dept. received the completed appeal form. Today I received another letter from NFCU dated XX/XX/XXXX stating they reviewed the claim again and again are holding me " responsible for the transactions that occurred. '' I have committed no fraud and I have no knowledge how my email account and NFCU account were breached. I have never been told by NFCU how they made their final determination that I am somehow complicit in the theft of {$5000.00} of my own money. I asked for someone from the NFCU fraud or security department to speak with me but no communication was ever made by them. Again, I have had an account with NFCU since XXXX. I have never committed anything untoward in my years of dealing with NFCU. I have been treated very unfairly by NFCU and ask that the CFPB please assist me in getting NFCU to reverse their final determination and see that NFCU returns my stolen {$5000.00} to me with no provisions attached. Thank you for your assistance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92651
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
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: 30047
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received credit monitoring alerts notifying me that my social security number had been used to open several accounts on two different occasions with Federal Navy Credit Union. I notified the bank on both instances, so they could place the alerts on their end.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A