Date Received: 2021-09-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: continue Complaint # XXXX. Please view the misrepresentation Letter submitted as an Attachment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Every single time I call this institution I get a different answer from somebody it is the most unbelievable thing I have ever seen in my life how they are in business I have no idea. I sent correspondence to the CFO and have yet to receive a response. On top of that during Covid we had numerous transactions that were overseas I called almost daily to check in on the status because they still owe me money to date they told me that everything was in to be reviewed by the disputes team. But we ended up finding out after trying to figure out why this continuously kept happening over and over again was we had a keylogger on one of our computers that was picking up the account information every single time We had a few other situations where we had attempted to try out a software that had a 30 day moneyback guarantee for our business and we either never got the login and the password or the software did not work as we were promised we emailed the company over and over again for a refund and they failed to respond every single time so we disputed the transaction! Not only did they put certain disputes in incorrectly but they either a failed to provide provisional credit or the worst situation that happened I had to call back five different times to go over every single transaction I called in in XXXX they finally re-filed everything for me come XXXX I still have not heard anything whatsoever mind you this is literally the 30th time I had called in to find out what the status of my disputes and fraud claims were because We are still missing thousands of dollars from navy federal not to mention we were told by a supervisor that because we had to overdraft our account just to be able to survive because we were missing XXXX of dollars they would refund The fees on the account due to us having to overdraft out of nowhere all of a sudden this woman decides that shes going to play XXXX with my money and said nope were not refunding anything anymore and we will not be working on this account anymore every single one of my disputes and fraud claims were still sitting in a queue that nobody worked during Covid! On top of that because they sat on it for so long every single one of my claims were denied when I had submitted them six or more months previous to the time they actually ended up working the claims which was beginning of XXXX. The claims were all the way back to XXXX and they sat on them and did nothing with them and still have yet to refund me my money nobody there knows what theyre talking about they took our debit cards away because of that Ive gone three weeks without electricity because I had no way to pay two weeks without water and we were and are on the verge of losing our home because every time I call the bank they tell me something different and I look like a XXXX liar now I am over it Im done I am sick and tired of having to live on a credit card that they dont even know how to calculate correctly by the way, Ive submitted all the evidence for a dispute that I had on my credit card from a company that so that they would refund me {$290.00} and another {$50.00} charge and sure enough I had an email and everything proving this and they still have yet to work my claim I submitted this over three weeks ago now. With the proof is in the email I dont even get a provisional credit and they are still probably sitting on that one too. They took away my debit card for an entire year because of unauthorized charges that I did not make they play God with peoples money and decide to do whatever they want to do with it. Most recently a payment was made for {$24000.00} with one of their agents through speed pay they put a eight day hold on the payment so I was without funds even though I was told that it would clear through the following day within 24 hours that didnt happen and then they stated and that it would clear through On Monday that didnt happen I was then told by another agent it would for sure clear through by Tuesday that also didnt happen it wasnt until the 30th that it was supposed to actually clear through I ended up finding out seven people later. on top of that they advise me my debit card would be Able to be re-issued on multiple different dates it ended up being the XXXX finally 5 to 7 people later That I talk to that I talk to a manager XXXX who advised me that Mine and my husbands card would be available on the XXXX I call on the XXXX finally later on in the afternoon like way later in the afternoon and they said no actually its overnight tonight well then thats not on the XXXX now is it? That would be XXXX XXXX so once again lied to again so I gave them a couple days cause I dont even know what to believe anymore I called overnight today to get my debit card re-issued and find out where my husband was and they said oh youre Husband cant have a debit card for a year Im sorry no thats not true because I was told by a manager on the XXXX and theres no reason why they should ever have been taken away from us considering The fact that You dont punish consumers because of unauthorized transactions that doesnt even make any sense especially when its once again my money I hired the bank for a job their only job was to do one thing and one thing only and that is to manage my money nothing else just manage my money Indu so according to federal guidelines its not hard! They activated the card that is still in the mail So I went to try and use my new card That I just got in the mail yesterday and it wasnt even active So I had to call back and once again try and activate it wouldnt let me do it through the automated system so someone had to manually do that for me again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63368
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I saw a transaction through XXXX that I was not familiar with for the amount of {$150.00} First the agent stated that I've sent money to that person before. I told her I've never. Then she stated it was XXXX the XXXX. That was another lie. The transaction was due XX/XX/XXXX. I feel she purposely sabotaged my account unnecessarily. She proceeded to ask for my driver 's license number. I gave her the requested information. She was still not satisfied. I am the victim but was treated like the vlian. When asked my security question she laughed at my response. She was very unprofessional. I called navy federal for assistance and ended up having my account locked. Really for no reason.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36609
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
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 in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is not my account and I don't know who's been using my account for this loan or paying on it but its not my loan. I've called Navy Federal over and over but they haven't taken any steps to remove this from my credit report. Please remove this account from my report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2021, an unauthorized transfer from my active checking account to my share savings account was done for {$100.00}. I called Navy Federal Credit Union on XX/XX/2021, @ XXXX XXXX CST. I spoke to a very rude representative about the issue and she bluntly stated " You made a transfer for {$100.00} '' I stated that I never made that transfer and when a customer makes a transfer the transaction color font is the color " green ''. When a transfer is made by the bank it's the color " Black ''. The agent rudely stated NFCU can make transfers at any time, and I stated for what cause knowingly the account is current and not on a negative status. I requested a manager and she refused. This bank takes customers ' money and moves it around for reason, and declines to explain to why.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32536
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On ( XX/XX/2016 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. Due to ( Title 15-1692A ( 3 ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I consumer XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2020. A consumer credit transaction in which a finance charge was involved. 15 usc code 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but Navy Federal Credit Union took cash as a down payment. The finance charge is also suppose to include insurance for the vehicle, Navy federal forced me to purchase insurance on my own separately, again another violation of usc 15 code 1605. Navy Federal also failed to disclose a Right Of Rescission form with my loan paperwork or promissory note, this is also a direct violation of 15 usc code 1635. Navy Federal Credit Union are now liable civilly, pursuant to usc 15 code ( 1611, 1640 ) and criminally, pursuant to 15 usc code 1693.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I bank with navy federal credit union, i have never had any issues prior to this. around XXXX my telephone, and wallet had been stolen & fraud charges were on my account, I filed a dispute it was denied. i filed an appeal and it was denied due to them saying i reported having my card however all calls are recorded and they found no evidence that i had the card. Nearly $ XXXX was taken from my account. I have provided a police report and was pushed to the back burner. I have lost out on a ton of money due to the funds being taken from me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am filing a complaint against NAVY FCU because they are attempting to collect a debt that I do not owe them. Account Name : NAVY FCU, Account Number : XXXX, XXXX I would like for NAVY FCU to show proof of verification that I owe them {$42000.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28546
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A