Date Received: 2021-11-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX, XXXX XXXX and XXXX XXXX prohibit me from being able to access my account funds. They assist identity thief XXXX XXXX XXXX XXXX XXXX XXXX with the theft of my identity and account assets. Please see attached email attachments. On XX/XX/2021, I deposited a {$460.00} check. The NFCU confiscated the check. It communicated to me that the proceeds would be applied to the checking account outstanding balance and the credit card 's outstanding balance. I had previously requested payment arrangements for both accounts. I was informed that because there weren't any payment arrangements on file for the accounts, the deposit could be confiscated and applied to the outstanding balances. The payment arrangement requests were denied because I am XXXX XXXX. My account has been defrauded in over {$30000.00}, in credit and debit card authorizations, by XXXX XXXX, XXXX XXXX, XXXX XXXX and the employees of the XXXX XXXX XXXX of the Navy Federal Credit Union because I am XXXX American. I requested written documentation of both debit and credit card authorizations and were denied this written documentation because I am XXXX American. I was told that I have been permanently restricted from the NFCU because I am XXXX American. I was told that I can't call into the NFCU because I am XXXX American.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CU. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92545
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: We own a restaurant in XXXX and during XXXXovid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the the president, the late fees were not to be assessed during Covid and the the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being effected from the late payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10552
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FCU Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My navy FCU account has been reported incorrectly. I have printed my credit report from XXXX XXXX and XXXX. All three credit bureaus report different things. Example account numbers on credit report for all three bureaus are reported different. Date account opened all bureaus repeat differently XXXX reports it opened XX/XX/XXXX experian reports it opened XX/XX/XXXX. Balance reported from XXXX XXXX XXXX reports XXXX. High credit reports XXXX XXXX and XXXX reports XXXX. Past due balance is reported by XXXX XXXX XXXX reports XXXX. Payment status reports from XXXX current while XXXX reports late 30 days. Comments are different XXXX reports credit card amount in h/c column is credit limit XXXX and XXXX have nothing reported. Date last active XXXX reports XX/XX/XXXX XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. All three credit reports have reported multiple times inaccurate information. navy FCU and the credit bureaus should be reporting validated and accurate information pursuant to FCRA which they have not done in this case
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: We own a XXXX in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the the president, the late fees were not to be assessed during Covid and the the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being effected from the late payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10552
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
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 have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. This request has been denied and I would like this inaccurate information to be REMOVED : XXXX XXXX XXXX XXXX I would ALSO like these inaccurate information to be UPDATED TO POSITIVE ONLY : XXXX XXXX XXXX XXXX NAVY FCU Date disputed : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CU. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30306
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been a Navy Federal Credit Union member since I opened my first account in XXXX. The account was a checking account ending in XXXX. My spouse at the time was added as a joint owner. In XXXX we were divorced and he was removed from my account. I provided NFCU with the divorce agreement. A few months later money was taken out of my account using an ATM by my ex spouse. I went into NFCU and informed them of the withdrawal and they apologized and said it was an error but I was out the money. I did provide a copy of our divorce agreement again. As a result I opened another checking account and sparingly use the XXXX account and keep a minimal amount of money in it. On XX/XX/XXXX I was online and viewing my accounts and noticed XXXX was transferred to a credit card from my account ending in XXXX. I contacted NFCU about this and was told the money was transferred to my ex spouse - XXXX XXXX XXXX to his credit card to pay his minimum payment. I requested more information about this and was sent a document that listed all withdrawals from my account that went to XXXX XXXX XXXX XXXX credit card account with NFCU from XXXX totalling XXXX. I didnt notice these withdrawals sooner as I did not receive paper statements and when I would check online I did not see any suspicious withdrawals until XX/XX/XXXX. Money has not been taken out monthly or consistently, only when he did not make his minimum payment. as I mentioned I used this account sparingly, it was not my main account. I did request from NFCU to be reimbursed for the money taken from my account and they said it was not their error but mine for not addressing this sooner. So I asked for the XXXX taken on XX/XX/XXXX as I reported this to NFCU on XX/XX/XXXX but was told all they could do was to stop any further withdrawals. I have since closed this account. I was assured in XXXX after money was taken out of my account without my authorization this would not happen again. I was told the money taken out to cover the minimum NFCU credit card payment was set up in XXXX. I did not receive any documents showing the withdrawals prior to XX/XX/XXXX. I am not able to see this online. I did request more information about this situation and specifically have asked to be sent a copy of the document that I authorized money to be taken from my account to cover my ex spouses NFCU credit card. I have not received that document or any information as to how this was established. What I want : for NFCU to return to me all monies that was taken from my account and transferred to XXXX XXXX XXXX 's NFCU credit card.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85716
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a new vehicle in XXXX with financing through Navy Federal Credit Union. My final payment was due on XX/XX/XXXX in the amount of {$610.00}. I made the final payment on XX/XX/XXXX. With the added interest the final amount was {$610.00}. On XX/XX/XXXX my account information online showed a {$0.00} balance with nothing due. On XX/XX/XXXX Navy Federal added an account adjustment and increased my balance to {$28.00} with a due date of XXXX/XXXX/XXXX. On XX/XX/XXXX my XX/XX/XXXX auto loan statement was also issued. It showed my payment from XX/XX/XXXX with a {$0.00} past due amount. But it also showed that I still had a {$29.00} balance plus an additional {$29.00} late fee. Neither item was listed as past due on my XX/XX/XXXX statement. I attempted to pay whatever amount was owed on my account on XX/XX/XXXX ( 10 Days days after receiving my statement ) but when I logged into my online account all charges had been adjusted/ removed and the balance was {$0.00} again and it did not let me pay. I assumed the account was paid then and in good standing. On XX/XX/XXXX I was notified that my auto loan account was reported 30 days late to the credit reporting agencies. Additionally I received a letter on XX/XX/XXXX stating that my account was in default for the amount of {$29.00} and could be repossessed. I have contacted Navy Federal in writing via secure message and by phone and told that my account is at {$0.00} balance and paid off in full and that no further payment is needed. When I asked about the 30 days late payment history reporting and the information based on the statement I was told that " It is something I have to work out with the Credit Agencies and that they have nothing to do with it ''. Navy Federal is reporting me 30 days late for an amount they notified me of on XX/XX/XXXX. At the same time the system does not even let me pay anything since it shows a {$0.00} balance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80126
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A