Date Received: 2021-11-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Unauthorized XXXX Transactions I notice two XXXX transaction Posted on my checking account for {$1000.00} and {$800.00} and also a request for {$1.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I got a notice from the Navy Federal Credit Union and the letter stated this : " Under New York laws, you have the right to request a large print version of any collections notice you may receive. '' I have no accounts with this credit union. I called Navy Federal Credit Union and they put this account on fraud alert. They will do the claim on this account and will mail me the results within 10 days. Whoever set up this account also got my social security number which I'm very worried about. I called XXXX and they will put my report on alert after I send them identification. I plan on calling social security to alert them on what's happening. I'm very worried this person will set up other accounts under my name and try to steal my money. I don't have any of my personal accounts online in hopes that something like this would never happen. But it did anyway. I don't know how they got my social security number and that really troubles me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 13212
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Navy federal credit union overpaid themselves on a mortgage closing so that they could collect money from me on another unrelated debt i have with them. They opted to transfer the money into a closed checking account instead of mailing me a check then debited the money immediately to pay themselfs. After calling them to ask why they got extremely rude and hung up on me. I belive they purposely did this overpayment by manipulating the closing documents and this should be looked in to much closer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
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 name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
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: I disputed this account XXXX and to this day it has not removed from my credit report. I called the company and dealt with the credit bureaus directly. Although they returned a verdict of saying that the account was found fraudulent they never deleted it from my credit report even though XXXX XXXX stated that it would be deleted from my report first on XX/XX/XXXX then again on XX/XX/2021.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92058
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have registered both my cellphone and business line on the DNC List making sure that I was not contacted by my debt collectors as I am working to remedy my status with all debt. Navy Federal has not acknowledged my listing on the DNC and continue to call me daily even after registry. This is not right. I am seeking resolution and protection from unfair debt collection practices.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: 1. NAVY FEDERAL CR UNION Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with NAVY FEDERAL CR UNION and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
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: Navy Federal Credit Union after numerous letters and complaints to the institution they continue to re-age my credit profile by reporting monthly Charge Offs to re-age my accounts. They add late payments that are not late payments and have made over XXXX payments without my consent to re-age charged off accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a Visa Signature Cash Rewards credit card with Navy Federal Credit Union Account Number ending XXXX. This account was closed by the bank due to none payment. This financial institution has committed fraud and needs to be held accountable. While the account was open and after the bank closed the account, on several occasions NFCU, without actual authority from me or any other authorized consumer with access to this account, initiated transfers that were done by a person other than the consumers authorized on the account.These unauthorized initiated transfers happened from XXXX through XXXX from my checking account XXXX into the account ending XXXX. The actual dates and amounts are as follows : XX/XX/XXXX {$200.00} ; XX/XX/XXXX {$150.00} ; XX/XX/XXXX {$11.00} ; XX/XX/XXXX {$37.00} ; XX/XX/XXXX {$54.00} ; XX/XX/XXXX {$55.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$14.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$10.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$110.00} ; XX/XX/XXXX {$40.00} ; XX/XX/XXXX {$130.00} ; XX/XX/XXXX {$24.00} ; XX/XX/XXXX {$60.00} ; XX/XX/XXXX {$960.00}. The total amount that was fraudulently taken from my checking account by an unauthorized electronic fund transfer is {$2200.00}. According to Electronic Funds Transfers ( Regulation E ) ; 12 CFR 1005.2 ( m ) Unauthorized electronic fund transfer Navy Federal Credit Union committed an unlawful act. According to 12 CFR 1026.12 Special credit card provisions. ( d ) Offsets by card issuer prohibited ( 1 ) General rule. A card issuer may not take any action, wither before or after termination of credit card privileges, to offset a cardholders indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer. They continue to cause my phone to ring harrasing, anoying and abusing anyone who happens to pick up my phone. This is a violation of Telephone Consumer Protections Act, 47 U.S. Code 227 and I want it to stop immediately. I do not agree with what has happened to me and I need someone to help me. This has caused me stress, sleepless nights especially after losing my job due to COVID and not being able to find another job. If banks can committ fraud and nothing is done about it, I do not feel safe as a consumer using banks and allowing them to have access to my personal information
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Beginning in XXXX of XXXX, my Navy Federal Credit Union account XXXX in XXXX began to have rolling overdraft fees that were originally started by two transactions that I did not authorize, and which were since refunded. Transaction # 1 - XXXX {$630.00} / XX/XX/XXXX Transaction # 2- XXXX XXXX {$200.00}/ XXXX, XXXX, XXXX. I was informed by XXXX on XX/XX/XXXX that the item was cancelled and I was due a refund. I was told that the refund was processed and to expect it soon. On XX/XX/XXXX XXXX informed me that a manual 'push-refund ' was started by a back-office department and would reflect on my card in 2-3 days. After waiting for nearly a month, XXXX told me that the refund " was not correctly processed by the manual team and it will be resubmitted for processing. '' Still, no refund. On XX/XX/XXXX I once-again contacted XXXX and was told that the refund still hadn't been processed, paperwork was not properly filed, and it would be processed in 2-3 working days. Today, XX/XX/XXXX I finally see that the refund has processed into my account. This refund was initially promised to me on XX/XX/XXXX, then again on XXXX, XX/XX/XXXX, and finally processed nearly three months after the initial purchase which I was told was stopped and should have been refunded immediately. This situation led to a cascading amount of fees. Had this {$630.00} not been removed from my account, I would not have been charged fees. On XX/XX/XXXX XXXX XXXX took a {$200.00} ACH out of my account. I immediately contacted XXXX XXXX and was informed that this was an error on their end and they would refund the money. I asked on a processing timeframe and they said that any money due back into my account would take up to 20 business days to process, even though this transaction was not originally approved by me. On XX/XX/XXXX I was finally refunded the {$200.00} which was removed from my account on XX/XX/XXXX. XXXX said that they apologized for the issue, and while they did rectify the issue by refunding me the amount, they were not liable for any fees that my financial institution charged on my account, as it was not with XXXX XXXX. When the first XXXX charge was taken from my account, I contacted NFCU and was informed that Navy Federal would work with XXXX, would open a dispute if needed, and would refund any fees that were charged to my account which resulted from this charge and funds being removed from my account. I clarified with the agent on the phone and she said yes, any fees that result from this charge will be refunded. We will recalculate your daily balance as if this {$630.00} never left your account and will refund any fees. I was also told the same thing in XXXX when I called in regarding the XXXX XXXX transaction. My daily balance would be recalculated from the date of the original transaction and if it ended the day positive, no {$20.00} OOPS fee would be assessed. I will list the fees I was charged, the ending daily balance, and what it would have been had the value of the transactions been in my account. They are listed in order they were charged, beginning XX/XX/XXXX and ending XXXX. Total Fees charged in XXXX due to XXXX Charge {$20.00} ( XXXX {$20.00} OOPS fee ) Total Fees charged in XXXX due to XXXX Charges {$160.00} ( XXXX {$20.00} OOPS fees and XXXX {$29.00} Returned Item Charge ) Total Fees Charged in XXXX due to XXXX {$100.00} ( XXXX {$20.00} OOPS fees ) *One {$20.00} fee was refunded by a phone agent as she saw the havoc that this was doing to my account, but was unable to return more without management approval* Total Fees Charged XX/XX/XXXX-XX/XX/XXXX due to these transactions not yet being refunded {$60.00} ( XXXX {$20.00} OOPS fees ) I am seeking a refund of {$280.00} in fees charged from XX/XX/XXXX to XX/XX/XXXX 1 ) XX/XX/XXXX OOPS Fee {$20.00} Ending Balance $ XXXX ( $ XXXX after fee ) Adjusted {$490.00} ( {$510.00} with fee added back ) 2 ) XX/XX/XXXX OOPS Fee {$20.00} Ending Bal $ XXXX ( {$120.00} after fee ) Adjusted {$740.00} ( {$760.00} with fee added back ) 3 ) XX/XX/XXXX OOPS Fee {$20.00} Ending Bal $ XXXX ( {$320.00} after fee ) Adjusted {$940.00} ( {$960.00} with fee added back ) START OF FEES AFTER XXXX XXXX {$200.00} AND XXXX {$630.00} ARE BOTH MISSING FROM ACCOUNT 4 ) XX/XX/XXXX OOPS Fee {$20.00} Ending Bal $ XXXX ( $ XXXX after fee ) Adjusted {$760.00} ( {$780.00} with fee added back 5 ) XX/XX/XXXX OOPS Fee {$20.00} Ending Bal $ XXXX ( - {$420.00} after fee ) Adjusted {$430.00} ( {$450.00} after fee added back ) 6 ) XX/XX/XXXX Returned Item Fee XXXX {$29.00}. This charge would have posted to my account and would have been paid as my balance would have been positive. 7 ) XXXXXX/XX/XXXX OOPS Fee {$20.00} Ending Bal $ XXXX ( $ XXXX after fee ). Adjusted Bal {$520.00} ( XXXX with fee ) 8 XX/XX/XXXX OOPS Fee {$20.00} Ending Bal $ XXXX ( - {$520.00} after fee ) Adjusted Bal {$330.00} ( {$350.00} with fee added back ) 9 ) XX/XX/XXXX OOPS Fee {$20.00} Ending Bal $ XXXX ( $ XXXX after fee ) Adjusted Bal {$420.00} ( {$440.00} with fee added back ) 10 ) XX/XX/XXXX OOPS fee {$20.00} Ending Bal $ XXXX ( $ XXXX after fee ) Adjusted Bal {$770.00} ( {$790.00} after fee added back ) 11 ) XX/XX/XXXX OOPS fee {$20.00} Ending Bal $ XXXX ( XXXX after fee ) Adjusted Bal {$760.00} ( {$780.00} after fee added back ) XX/XX/XXXX {$200.00} XXXX XXXX FEE REFUNDED AND ADDED BACK TO BALANCE. 12 ) XX/XX/XXXX OOPS FEE {$20.00} Ending Bal $ XXXX ( XXXX after fee ) Adjusted Bal {$940.00} ( {$960.00} with fee refund ) 13 ) XX/XX/XXXX OOPS FEE {$20.00} Ending Bal $ XXXX ( {$390.00} after fee ) Adjusted Bal {$250.00} ( {$270.00} with fee ) 14 ) XX/XX/XXXX OOPS FEE {$20.00} THIS WAS CREDITED BACK BY CUSTOMER SERVICE DUE TO A REFUND OCCURING ON THE ORIGINAL CHARGE All other remaining OOPS fee From XX/XX/XXXX to current I am not seeking a refund on.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A