Date Received: 2021-10-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed XXXX XX/XX/2021 Mortgage Payment Due - Payment Not Made XXXX XX/XX/2021 Mortgage Late Fee Assessed I made several attempts to pay my mortgage electronically between XXXX XXXX and XXXX XXXX. Navy Federal Credit Union has disabled my ability to make my mortgage payment online. I spoke at length with a mortgage collections specialist in XXXX, explaining that phone conversations sometimes exacerbate my XXXX/XXXX and are often difficult for me to communicate clearly due to my XXXX XXXX XXXX ( XXXX ). I stated to the representative that for me, blocking my online payment access is a XXXX rights issue. Immediately prior to filing today 's complaint, I again attempted to make a mortgage payment online and once again, I was prevented from doing so by Navy Federal Credit Union. NFCU has a history of preventing members from accessing our accounts, related to delinquent mortgage payments. NFCU then collects late payment fees after preventing members from paying our mortgages online. I am a retire XXXX XXXX XXXX XXXX with 22 years of service and am a current XXXX employee of in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you, XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22406
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I hired XXXX XXXX XXXX to handle discrepancies within my credit report. Navy Federal was removed XX/XX/XXXX, however, they have since then continued to report. This is causing my inability to acquire credit, and to purchase My Home. Ive asked them myself to please stop reporting, and they sent an email asking me specifically the account number, in which I no longer have because I dont have an account with them, and that they have no idea what Im talking about. But I received a letter from them in XXXX stating that all of the information was accurate, when they provided no amount, no date, and definitely no account number. I paid this company off in XXXX, and they continue to report even when its been removed. So I assume when they see that its been removed, they take it upon selves to re-add it to my credit report, which is bullying, and not fair to myself as the consumer. I have attached the email that was sent from XXXX back in XXXX letting me know that this has been removed from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Navy federal credit union is denying all of my fraud claims. I had multiple fraud transactions on my account from a person who I hired to do help in my house. I did not realize it was this person until it was too late. I have a police report, all of the claim numbers, amounts, etc. ive been battling this for 4 + months. The most recent denial was today. Ive changed all of my passwords, account numbers, downloaded security protection for my cell phone ( all suggestions from navy fed CU ) and was still denied. This is outrageous and has put me in an extreme financial bind with over $ 5k in fraud taken from me. I have a daughter and am the sole provider for her and can not wrap my head around this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92373
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: NFCU sold me a products and services that wasn't authorized to sell me at the time by SCC of Virginia as told me and voicemail left by Mr XXXX XXXX connected to the loan dating back to the first deduction XX/XX/XXXX from my checking account/credit card. Financial statemens from Navy Federal Credit Union proves the deductions XXXX monthly and XXXX moth dating back to XXXX to XXXX. I requested a FOIA Act and fradulent conditions against me as a member and a customer of Navy Federal Credit Union without my knowledge of knowing it committed fraud by selling me a financial product that they reported on my bank statements as Disability/ IU/AD knowing the product and services wasn't insured nor regulated by SCC Of Virginia Bureau of Insurance according to Mr XXXX XXXX while NFCU were receiving and charging me illegal payments of XXXX for products and services that never existed while allowing me to believe that I was purchased products and services that weren't licensed by Virginia Bureau of Virginia. This is Fraud and XXXX and NFCU through emails FOIA Act proves they both acted illegally to hide this FRAUD.. This caused me Hardships and causing my checking account to be overdrawn charging me XXXX repeatedly dating back to XX/XX/XXXX. While my health insurance and finances caused credit report to deny loans after 30 day notices. This was reported to Mrs XXXX XXXX XX/XX/XXXX and her secretary responded about GAP INSURANCE POLICY that NFCU GAP loan documents stated weren't included but resulted in Payment from GAP. that I also was charged for. NFCU has without my permission to misappropriate my funds through mail fraud and without license to sell products and services to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28150
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
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. 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 FEDERAL CR UNION. 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: 95126
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On Thursday, XX/XX/2021 I had an issue where I could not access my checking account transactions online or through the mobile app. I was able to log in and reveiew transactions for all of my connected accounts except for my account ending in XXXX. On Friday, XX/XX/XXXX, I sent a message throught the mobile app inquiring about what I was experiencing. I explained that I wasn't only experiencing this through the mobile app, but also when I logged in online. I sent screenshots of what I was experiencing. On Saturday, XX/XX/2021 I received the following repsonse : " Thank you for using Navy Federal 's eMessaging Service, XXXX XXXX. Navy Federal Online Banking is designed to reflect up to a certain number of transactional entries. For most members, this limit is sufficient to cover all transactions that are completed ; however, you exceeded the allowable data limit that can be reflected within Online Banking. You will be able to see your transactions again once your statement is generated unless the data limit is exceeded again. The Available Balance listed on the main screen is correct. If you have further questions, please let us know. '' I then responded on Sunday, XX/XX/2021 that should be no way that I should not be able to review any of my transactions prior to the statement date and that I have never heard of such a thing as Navy Federal is the only financial institution that I have experienced such a thing with. Whomever responded then stated that Navy has designed their system to only reflect up to a certain number of transactions within a statement cycle and to them this is sufficient for most members. Navy Federal doesn't mention this in any of their member documents or account policy documents.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63118
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Bank stated that I allegedly owed a debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Navy Federal Credit Union RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or at XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: NAVY FEDERAL CREDIT UNION had no rights or consent to close my open ended credit plan with their company. As the consumer in commerce, I have In good faith, extended my open ended credit to NAVY FEDERAL CREDIT UNION and have done so with confidence that legality and fair measures would be met. According to Federal Law false any misleading information, such as billing amounts that are wrong constitutes Federal violation. Selling your information to other 3rd party debt collection agencies as a fraudulent charge off are a violation to Federal code. NAVY FEDERAL CREDIT UNION as a consumer reporting agency intentionally put derogatory marks on my consumer report such as " late payments '. Congress does not define late payments, so this tactic was used in a detrimental way to the consumer. NAVY FEDERAL CREDIT UNION again had no right to rescind my open ended consumer credit plan as they are not the original creditor of the account. I have not received documentary evidence from their corporation with signature in trust. I demand to see this piece of documentation if it truly exists. According to Congressional code not verbatim, informed consumer credit usage and education will further better the economy and unfair practices shall cripple it. NAVY FEDERAL CREDIT UNION is merely a consumer reporting agency, debt collector and card issuer. I, the natural person, the consumer am the Original Creditor! Below is a list of Federal Code violations NAVY FEDERAL CREDIT UNION has committed I seek immediate remedy and account reinstatement for my self the consumer and original creditor of this NAVY FEDERAL CREDIT UNION account. 15 U.S. Code 1681b. There should be no Publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S. Code 1666a ( a ). Title 18 U.S.Code 1028A on four separate occasions as NAVY FEDERAL CREDIT UNION has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation due to my compromised bank account, I demand a money audit trail in accordance with 12 U.S.Code 5562 ( c ) ( 10 ) NAVY FEDERAL CREDIT UNION is Card issuer, consumer reporting agency and debt collector ( debtor ). Because XXXX is a non-living non breathing entity, they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent credit sale. They have falsified statements, documents and furnished consumer reports stating that their corporation is the " original 15 U.S. Code 1692f.Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt creditor ', yet by law have no right to the extension of living credit to offer the living consumer, myself. I've contacted NAVY FEDERAL CREDIT UNION through multiple attempts. Pursuant of 15 U.S. Code 1666b, 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. The creditor did not send the statements not later than 21 days before the payment due date.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I currently have a navy federal secured credit card. I have been using my credit card from navy Federal to pay for a car rental from avis. My nfcc has a limit of XXXX and the hold that was placed was approximately XXXX dollars. I can't view on my account on what dates the hold for the rental car was placed not removed. When I asked navy federal why my XXXX dollars disappeared and never returned to my account, I was told I was over my card limit. How is this possible to be over the credit limit/overdrawn when I can only spend what is loaded to my card? My current balance is XXXX. When I made a transfer for XXXX to pay for another rental contract immediately navy federal took XXXX from my transfer. Therefore I only have XXXX in available credit. I spoke with a XXXX and XXXX and I was not given an answer and neither could provide any dates for my previous holds being removed for the avis deposit. I asked for the manager of the csm to call me back and 72 hours later no manager has contacted me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A