Date Received: 2021-08-18
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: In XX/XX/2021 my account was being fraudulently charged via debit card nightly for a rental car from XXXX. I never rented a car from XXXX. I tried to resolve this matter with XXXX first. They told me I would have to contact my bank to get them to stop the charges. On XX/XX/2021 I called Navy federal credit union to explain the charge nightly to our debit card was unauthorized and asked them to stop the charges from coming thru as it was leaving us unable to keep money in our account for fear of it being debited fraudulently. After about 45 minutes on the phone, they ordered a new debit card told us it would be in the mail within a week. We thought the issue was resolved until we activated the new card a week later. Then we started receiving these declined transaction notifications every night again. We called the bank again as well as contacted XXXX in attempts to resolve this all the while unable to keep money in our account. Having to immediately withdraw any money being direct deposited into the account as the process to change direct deposits would have taken weeks and without pay during that time. On XX/XX/XXXX we had a successful debit of {$2800.00} come out of our account leaving our balance at - {$2400.00}. ( {$400.00} had just been direct deposited the same night and we hadn't had a chance to move it yet ) We called the bank again and they told us they would investigate it and in the meantime credited back the money. They then reversed the credit on XX/XX/2021 siding with XXXX originally. After escalating to the correct person we had the investigation reopened and on XX/XX/2021 they sent is a final determination letter letting us know they would not be reversing the newly paid credit and they were siding with us. Since that was resolved we have contacted the bank on 3 occasions to discuss the {$750.00} in returned item fees we were charged and paid during the period of XX/XX/2021 and XX/XX/2021. These fees only arose from their lack of action on our fraudulent transaction claim. The bank has since credit our account {$170.00} of the {$750.00} that were charged to us after we requested they stop authorizing these nightly charges. They refuse to take responsibility for their lack of action on XX/XX/2021 to protect our funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy federal is going against my mothers wishes for me to be her will executor and she has put in her will for me to be left everything. XXXX has told me that it's supposed to go to my living XXXX brothers. It's a total outrage that they are ignoring my mother 's will that I was to be left everything. It's my money regardless that I transferred from my checking account to hers. I transferred {$1500.00} on XX/XX/2021 for an XXXX purchase and cancelled it. But they refunded {$1000.00} back to my mother 's account when they shouldn't. XXXX isn't respecting my mothers will that she left me in charge of everything. But she is ignoring that and still say that my two living brothers are entitled to that money even though it is my money. XXXX isn't being fair to me regarding that I am the will executor. If the will states for me to handle everything XXXX can't take that right from me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36869
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am extremely stressed about this matter with Navy Federal Credit Union, as the consumer and natural person they are violating multiple federal laws and ruining my reputation. Congress says under 15 USC 1692d ( 1 ) - The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. This PAID Charge off has significantly damaged my reputation and caused me physical harm due to stress and has not allowed me to purchase a home because they keep furnishing information to the Credit Reporting Agencies, which congress says under 15 USC 1681 ( a ) ( 2 ) - An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. This account has damaged my credit worthiness, standing, capacity, character, and general reputation with lenders who pull my consumer report. Navy Federal Credit Union keeps telling me that there is nothing they can do about it, which is completely false because the Credit Reporting Agencies get their information directly from Navy Federal Credit Union, which is another violation to me as a federally protected consumer. Congress says under 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Only I the consumer and natural person have authority over my credit card which congress defines under 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I never authorized Navy Federal Credit Union to use my credit card and has in fact been committing fraud and taking advantage of me because I the federally protected consumer has not received ANY benefit from this account in which Navy Federal Credit Union has been using my credit card for. I, XXXX XXXX give permission to all parties involved to investigate this matter
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I sent a letter regarding inaccurate and unknown addresses and incorrect payment history on my credit report. I have not received any response yet. I feel like im being taken advantage of and being ignored of my disputes. section 611 ( a ) it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. my information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX a check I wrote for one of my XXXXXXXX was stolen and cashed by another person who deposited it into their account at Navy Federal Credit Union in the amount of {$1000.00}. The account number is clearly seen on the back of the check. On XX/XX/XXXX, I opened a fraudulent check claim with my bank at XXXX and sent in documents from the person the check was stolen from stating that they never cashed the check. On XX/XX/XXXX, XXXX bank wrote to me to let me know that Navy Federal Credit Union has still not responded and if they do not then the funds are lost. On XX/XX/XXXX I filed a complaint with the CFPB and on XX/XX/XXXX Navy Federal Credit Union closed the case stating they never got documentation. Documentation that IS ATTACHED HERE and WAS on the last complaint. I tried contacting XXXX XXXX, AVP of Fraud at Navy Federal Credit Union with no response. Please go into the account of YOUR client and take my money back and return to me at once. This is absurd.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a letter from a federal credit that a account was frozen I Never opened then she told me to look up my account I see a lot of inquiries.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85033
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My mother passed away on XX/XX/2021. She left everything to me in her will and made me her executor. I had cancelled a purchase for XXXX. But XXXX put it back on the card ending in XXXX when they weren't supposed to. Navy federal is refusing to let me have my money back since it's in my mother 's account. My mother left me in charge of her estate and checking account after she passed away.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36869
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account is showing late payments on my consumer report that were not late and according to 15 USC 1666b Timing of payments ( a ) Time to make payments 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. attached is a copy of the law that indicates my consumer rights have been violated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX XX/XX/2021, deposited personal check to Navy Federal Credit Union Bank for the amount of {$50000.00}. The check was cleared by the XXXX XXXX on XXXX XX/XX/2021. On XXXX XX/XX/2021 at XXXX hours I called Navy Federal and learned that the amount of {$50000.00} wasn't available to me. I asked Navy Federal customer representative, why my funds are not available to me? I was put on hold and no one reached out to me. On XXXX XXXX at XXXX hours, XXXX XXXX at XXXX hours, and XXXX XX/XX/2021 at XXXX hours called and checked with XXXX XXXX to confirm about the check status and XXXX informed me that the check was cleared and funds was released to Navy federal. On XXXX XXXX at XXXX hours, XXXX XXXX at XXXX hours and XXXX XX/XX/2021 at XXXX hours, called Navy Federal and in response they informed me that they hold funds for two days and then release. Today is XXXX XX/XX/2021 and funds are still not available to me. I feel that Navy Federal is using my money illegally over two weeks and I am suffering.
Company Response: Company believes complaint is the result of an isolated error
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was previously in a Covid Forbearance with my mortgage lender, XXXX XXXX. I requested to come out of the Forbearance and was offered three options. The option I chose was modification which was the best for us in terms of monthly payment going forward. I chose this option without knowing that there would be an indicator placed on our credit as if we defaulted or did not play by the rules. The modification credit indicator may not allow us to take advantage of lower rates or other refinancing opportunities going forward. Even though we were never late on a loan payment before or after the Forbearance, we are being punished it seems. We were not warned that taking the modification option would negatively impact us for at least the next 4 years according to XXXX, XXXX XXXX. We applied for a loan through them and were told they could not help us because of the modification indicator on our credit reports. This will be a huge negative for many consumers as I'm sure many who have taken this option were not properly advised of the negative impact. During Covid, legislation and rules around mortgage loans have changed several times and I'm sure lending institutions are not managing loan programs uniformly. Can someone please reply back to me confirming that what happened to us was proper. If it was proper, I believe many consumers will be negatively impacted by this rule that seems to be resulting in unintended outcomes.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A