Date Received: 2021-10-28
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/2021, I received an email from Navy Federal. The email offered to show what cards I prequalified for. After taking the steps to view the pre approved cards that I was eligible for, I decided to choose one and apply. I was then denied. Note : I currently have 3 cards with Navy Federal that are in excellent standing. My only reason for entertaining such offer was based on my good standing with Navy Federal and because the website informed me that I was preapproved. Navy Federal has discriminated against me and violated my rights as a consumer. Pursuant XXXX5 U.S. Code 1691 ( a ) Activities Constituting Discrimination ( 3 ) **Reference 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) As a consumer, I exercised my right to apply, in good faith, considering my current relationship with Navy Federal banking institution. Navy Federal banking institution has undermined my confidence and would cease to function with the absence of consumers such as myself. Pursuant 15 U.S. Code 1681- Congressional findings and statement of purpose. I did not initiate communication. I was solicited and the pertinent information needed, for me to make an informed decision to " not apply '' for credit, was not given. Pursuant 15 U.S. Code 1681m - Requirements on users of consumer reports ( d ) Duties of users making written credit or insurance solicitations on basis of information contained in consumer files ( 1 ) ( B, C ) ( D ) ( E ) Navy Federals reason for adverse action states ; Collection Action Or Judgement and goes on to confirm the decision was based on information provided by the consumer reporting agency XXXX. Navy Federal also states XXXX in whole or in part influenced the decision. Navy Federal also contradicts itself by then stating the consumer reporting agency ( XXXX ) played no part in the decision and would be unable to supply me with specific reasons as to why Navy Federal has denied credit to me. In fact, if the reason for adverse action is not the reason stated above, Navy Federal has violated me again. Pursuant 15 U.S. Code 1691 d Reason For Adverse Action ( 2 ) ( a ) I am currently already awaiting a response from XXXX regarding items/accounts that do not belong on my consumer report. Pursuant 15 U.S. Code 1681 b -Permissible purposes of consumer reports I have never given written permission for XXXX XXXX Navy Federal to report or reflect any negative information on any files/reports regarding me as a consumer. I did not give XXXX or Navy Federal the right to determine my credit worthiness. To conclude, the email sent to me, regarding pre approval, was misleading and deceitful. I was used and taken advantage of. This type of practice from a financial institution is unlawful. I sent a notarized letter to Navy Federal on XX/XX/2021. I have not yet received a response. I give the CFPB permission to obtain/view any and all relevant documentation, to proceed with this investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX I was incarcerated for six months there was an a money wire turn on my account I get direct deposit from Social Security so when I got out I was only out for two months XX/XX/XXXX I was back incarcerated XXXX XXXX to XXXX XXXX I got out in XX/XX/XXXX from back there I was told that my account was overdrawn which shouldnt have been overdrawn because once again I had Social Security check XXXX was charged and XXXX was charged when it was a free trial XXXX I authorize XXXX XXXX to go check my account I have documentation of me being incarcerated and Im suffering right now from XXXX XXXX condition so I was very overwhelmed of the fact that I was missing funds back in XXXX from a money transfer that was an authorize so I found my documents I called the bank and theyre going to tell me that I wasnt able to receive my funds when it is there a liability policy of missing funds of fraud so Ive been trying to call for the last two days to get in contact with them we let them know that I sent them the affidavit and also documentations of me being incarcerated so I had no knowing of what was going on with my account thats where I receive my Social Security income so now I want it to see if I can be reimbursed on my income that I have to spend to put a roof over my head
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91977
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2020 {$20000.00} I contacted Navy federal credit union numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2019 {$2500.00} I contacted Navy federal credit union numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: A woman approached me on XXXX on XX/XX/XXXX under the name of XXXX XXXX. She offered me money in exchange to be her friend and talk to her. She promised XXXX a week, but said she was going to send XXXX and that I should send the rest to a charity of her choosing. I go the XXXX deposited in my account and sent the XXXX before I was warned of the fraud possibility.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: i was was abused and taken advantage of according to 15 usc 1692 sub section 802 : i have disputed transactions on my account which were fraud. i did not contract with XXXX or the other accounts listed in the attachment, and the transactions were fraudulent. they were not valid and the company has agreed to the reversal and did not which i have now done with the bank, the bank claimed to complete a valid attempt to verify the fraud. the funds were retracted and i was violated by them closing other accounts other than the account the funds were removed from. this has caused my home to be placed in collections and many other constraints. an FTC has now been created and a full pursuit of Restitution and remedy are in pursuit. Navy federal has continued to make harassing calls after being request to Cease and Desist. Violation : 15 USC 1692 c Several efforts were made to state the fraud. and show proof. i did not authorize the transactions period. XXXX : XXXX 15 U.S. Code 1602 According to congressional finding in the Fair Credit, as a consumer this has caused my family strain, there are violation 's that were committed against me which will be pursued as My accounts are continuing to incur charges due to their maleficence. among many : _ closing the account and adverse action 15 U.S. Code 1681m - Requirements on users of consumer reports ( II ) bears on the credit worthiness, credit standing, credit capacity, character, general ( C ) Information described reputation, personal characteristics, or mode of living of the consumer ; and
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/2020 {$15000.00} I contacted Navy federal credit union numerous times of the identity theft made on my account and even supplied affidavits along with the FTC reports and they still will not remove them from my credit reports
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Between XX/XX/XXXX and XX/XX/XXXX I received {$340.00} in fees from my Navy Federal Credit Union bank account at this time I was in the hospital and I have been there for two weeks fighting XXXX apparently XXXX tried to charge my account multiple times in a day for a {$11.00} charge So Navy decided to charge me {$340.00} in fees for my XXXX transaction meanwhile Im in the hospital had a respirator on because I cant breathe I didnt have time to cancel whatever auto pay stuff I had going on at the moment now I get out the hospital and I called him about it and tell him the situation they didnt really care too much they reimbursed half of it so far - {$11.00} charge I basically had to pay {$200.00} meanwhile Im not working because Im in the hospital I had also lost my job and money is extremely tight in this company didnt even call me or anything to notify me hey your accounts going negative a transaction keeps coming through we keep allowing it but it keeps getting denied and were just gon na keep charging you fees no message was ever sent or an attempt to notify a customer especially in a time of a pandemic every XXXX counts and Navy at this point just feel like theyre taking a vantage on top of that today on XXXX XXXX I called again because I had available money in my account from my phone bill to come out I seen it with my own eyes the next morning I wake up the transaction was denied and they charge me a {$29.00} insignificant funds fee so I call and say why did this happen because I physically seen available credit in my account when the check was coming through and now all the sudden you guys denied my check you guys charge me a fee and now my phone bill companies also charging me a fee the money was available but it was also pending but on the top of the screen still showed available credit with the correct amount needed to cover the bill the lady tried to tell me oh if its pending the money is not available to spend why would they put it next to the available funds box showing how much is available including my check is deposited the lady on the phone had a horrible attitude didnt want to help I explain multiple times that you guys just keep scaring me with these fees and it seems like this account is just for you guys to make money and XXXX the customer and you dont want to help at all nor notify the customer about anything you guys just dont care and not only is it XXXX as a consumer it also affecting my livelihood and I would like just reimbursement for my fees that I got money is already extremely tight and my own bank is making it worse against me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-27
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I attempted to obtain a personal loan from this company & they denied me credit. This is a direct violation of 15 usc 1691 ( a ). Them denying me my credit is extremely untimely. I may lose my apartment & vehicle because of this denied credit. I have just started a new job on Monday XX/XX/2021. And without this credit I wont have a means to go to work.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77035
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Navy Federal CU violated The Fair Housing Act, Fair Lending Laws as well as RESPA-TILA by excluding taxable bonus income, financial reserves and retirement during the application process for the purchase of my current home. NFCU also failed to conduct a timely review of the application during them buyer financing contingency period of TREC 's resale contract which would have resulted in unrecoverable loss to the consumer ( myself ). I am asking that CFPB evaluate the actions taken during the determination process in an effort to address the potential discriminatory conduct and/or patterns of practice exhibited by the assigned NFCU employees XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A