Date Received: 2021-08-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: my card was missing approximately a month now in the month of XXXX I told navy federal this despite in hopes they would resolve the issue. I did not notice the transaction on the card and was shocked to find I had no access to my account so I contact navy federal in hopes to get this fixed. they did there investigation and I wrote a statement about the situation about it. I was still found liable I am disgusted by the service I received they were vague on how they determine this and even said someone called in with a voice that did not sound like my own. so how am I still liable for this when there is clear proof someone else was accessing my account. I am a war veteran is served in XXXX and I thought navy federal was a good bank FOR VETS BUT CLEARLY THAT IS NO THE CASE. the bank had the audacity to tell me to find a way for me to prove I didn't do it I was so disgusted by there statement telling me I had to appeal there decision and wait longer so my card can accrue more interest. I'm just so upset with this whole situation I have better service from regular banks. no to mention there security department is a 2 hour wait just to get in touch with someone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Navy Federal Credit Union XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XX/XX/XXXX Visa Signature cashRewards Account Ending In : XXXX XXXX out the positive balance of {$5700.00} and update XX/XX/XXXX negative payment history to current Visa Platinum Account Ending In : XXXX XXXX out the positive balance of {$7400.00} and update XX/XX/XXXX negative payment history to current To whom it may concern, I am a consumer, natural person, and original creditor. Navy Federal has violated federal law, as I am a federally protected consumer. Pursuant to FDCPA 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Navy Federal has called me countless of times regarding the allegation of a debt they say I owe. Pursuant to FDCPA 15 USC 1692a ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Navy Federal doesnt have the right to tell a me, the consumer, that I owe any debt because they didnt provide me the five things that constitutes a validation of debt Pursuant to FDCPA 15 USC 1692g. Even with providing me the 5 things that validate a debt is not validating, its an allegation of debt unless I agree. An alleged debt being furnished on my credit report is a violation of FDCPA 15 USC 1692b ( 2 ) it is also advertising to coerce payment as described in FDCPA 15 USC 1692d ( 4 ). I demand that the positive balance on BOTH accounts be XXXX out and that the account REMAINDS OPEN. Pursuant to 15 USC 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Navy Federal written instructions to report a late payment on my credit report. I demand for that those two late payments to be updated to current. I demand to be compensated for damages pursuant to 15 USC 1692k. Pursuant to 15 USC 1611 CRIMINAL LIABILITY FOR WILLING AND KNOWING VIOLATIONS Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. I also demand as stated above, for Visa Signature cashRewards to be XXXX out showing a balance of {$0.00} and to update the negative payment history to current and Visa Platinum to be XXXX out showing a balance of {$0.00} and to update the negative payment history to current. I have attached supporting documents along with the invoice.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 42701
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone opened a credit line with Navy Federal Credit Union for XXXX $ on XX/XX/XXXX of XX/XX/2020. They also tried to open other credit cards in my name!! They said I work for the XXXX which I have never been in the military. Also using a address I have never been to in XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. I need this taken care of asap. How ever we have to do it need to do it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98223
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XX/XX/2021 To Whom It May Concern : We sent a detailed complaint letter to Navy Federal Credit Union ( NFCU ) prior to filing this complaint with the CFPB. The response was short and did not address the points that we requested in our initial letter. In fact, they took over 2 months to create a one-page document. In particular, they failed to investigate the behavior of the loan officer and function of the appraisal appeal process as well as how they select appraisers. As we mentioned in our initial complaint, the appraiser had an unprofessional website. Also, in the time since we filed our initial complaint, the appraisal firm selected by NFCU has apparently went out of business. We questioned the legitimacy of the firm in our initial letter as mentioned previously. Further, after we did a quick check, the business is not in good standing with the State of Maryland. NFCU did not address our concerns with the appraiser or the appraisal process in general. Frankly, this is unacceptable as the letter was specific and polite. It deserves an adequate response at the minimum. As stated in the complaint letter, we requested a refund/revaluation of the pricing for the loan. They have ( initially ) refused to do so. However, we still believe the appraisal was poorly done and needs to be revisited.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20715
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Filed a dispute for transaction, which it was denied and the bank would not let me file a appeal. The company is fraudelent company and has never submited the services I paid for.XXXX XXXX, 2021 XXXX was supposed to issue me a website for {$540.00} and XXXX XXXX XXXXXXXX for {$290.00}. I have not received any services rendered for XXXX XXXX XXXX, the company call the XXXX XXXX told them they was not able to finish my project and yet still my refund was denied.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I've been in contact with this company as well as the credit bureaus to advise that information that they're reporting on credit report for 2 Navy Federal accounts. Once account number is XXXX and the other one account number is XXXX. I've been advising them that the accounts aren't mine, and they're reporting the accounts as Navy Federal accounts on my credit reports, but I keep getting collection notices from in the mail from XXXX stating that they're the creditor for these accounts. I never received anything from Navy Federal even after my letter to them. I sent letters to their P.O. Box address that they have listed on my credit report and also their direct physical address that they have listed on my credit report, and again I didn't get a response from them at all! How is it that XXXX is stating they're getting responses from Navy Federal, but Navy Federal hasn't responded to me AT ALL???? There's no way possible that these accounts can have 2 creditors for each individual accounts. By law, only one creditor is allowed to report this account and that creditor must say XXXX since they're the ones trying to collect on this account. Please remove these inaccurate accounts from my credit report. XXXX advised in the last dispute that they made that change, but that is also incorrect information. As you can see from the credit report attached to this claim directly from XXXX, the information still is reporting the same. This is a violation of my consumer rights and I will be taking legal action if this is not removed in this last attempt to resolve this matter. Also, if this account was closed and sold to a collection agency it shouldn't still have payment history reporting on these ; this is also a violation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: The Navy Federal Credit union has engaged in a campaign against me of harassment, bullying intimidation and retailation because i filed a complaint against them with the XXXX XXXX XXXX and other consumer reporting agencies including CFPB. They have sent me threatening letters, froze my account so that i would have no acess to my money and delineratly, intentionally, and maliciously harassed and bullied me. More specifically, the Navy Federal Credit Union after i filed a complaint against their fraud department, sent me a letter stating that if i continued my complaint they would freeze my bank account and not let me have acess to my money. Last week while dining out, i couldnt pay because there was no acess to my account. This was after i recieved a letter threartening that they would do the same. I couldnt pay for my dinner! I called Navy Federal Credit Union and was told by no less than 3 phone reps that there was nothing they could do. The restaurant called the cops on me and it was onlt then that my call to the Navy Federal Credit Union that i was finally transferred to a supervisor who gladly opened my card and gave me acess to my account so i wouldnt go to jail. This all stemmed from a representativre in their fraud dept, who saw my complaint with the BBB and decided to retailate against me for my complaint. There were several fraudulent charges on my debit card ( which ironically, NDCU notified me of ) all of the charges were refunded to me but i didnt like the attitude of Navy Federal Credit union fraud representative which led to my complaint. After my complaint All of my disputed charges were reversed. According to the law and letters that Navy Federal Credit Union sent me I was entitled to the documents they had that lead to their decision, Navy Federal Credit Union told me the had no documents and i would still be responsible for the fraudulent charges. I have called Navy Federal Credit Union but was told by the supervisors of the credit unions fraud department that " theres nobody higher than me you can talk to, I had contacted them on social media only to to be told by that department theres nothing we can do. I have been hung up on the telephone by their managers, barraged by countless emessages and letters that they know i cant respond to in order to protect the XXXX behavior that they have treated me with. I am a XXXX XXXX, i cant see to be typing messafses back and forth over the phone, i have to focus on where im going to sleep and eat at night every day. ALL of the dispited charges are fraudulent and Navy Federal Knows that but chooses to harrass me because i filed a complaint in the first place. THey sent me a letter stating that they would take {$14.00} and XXXX of my money back, but they took XXXX when i called to inquire Navy Federal Credit Union refused to even talk to me and two supervisors from their fraud dept not only hung up on me but refused to take my name and number for a superior to get back to me. This has been going on for over a month!!! Navy Federal Credit Union has engaged in a campaign of harassment, bulling, retaliation and intimidation against me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
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: NC
Zip: 27511
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX NAVY FCU XXXX XXXX XXXX Account # : XXXX XXXX I disputed this account on XX/XX/21 in CFPB complaint number XXXX and requested a method of validation. It is now XX/XX/21 and I havent received any response in regards to validation. For that reason, this account needs to be deleted immediately! Also, once the account is initially disputed there is supposed to be a notice of dispute placed on the consumer report and as you see below, there is no notice of dispute. For this reason, this account needs to be deleted immediately and I am also seeking remedy, out of court for {$400000.00} from XXXX and {$400000.00} from XXXX and {$400000.00} from NAVY FCU for continuous and willful violation of my rights, pain and suffering as I suffer from XXXX and XXXX due to this information being inaccurately and unverifiably placed on my consumer transaction report month after month and year after year. I have spoken to certified medical staff and can provide documentation. I have not been able to get a car, job or mortgage with this information on my report and I have documentation of that as well. You may send a check, payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX and please delete this account from my credit report. My affidavit of truth will soon follow this letter if we can not work this out outside of court.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Used XXXX to purchase half off restaurant tickets for XXXX XXXX XXXX. Their site was compromised through XXXX and fraud charges in the XXXX were initiated from my checking account repeatedly. Contacted the bank, Navy Federal Credit Union and had the charges removed. Now my checking account has a fraud alert and I will need to change all my automated withdrawals and deposits. This happened to the credit card of three other people I know. Please investigate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32935
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A