Date Received: 2021-08-11
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: NAVY FEDERAL CR UNION-XXXX-Credit card-XXXX-XXXX-XXXX have not stop calling me after I send a dispute letter. PLEASE APPLY THESE LAWS TO MY ACCOUNTS : THE FAIR DEBT COLLECTION PRACTICES ACT As amended by Pub. L. 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair credit reporting act ( FCRA ) 15 U.S.C1681 ( FCRA )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
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: received this letter NFCU will not allow me to dispute charges with XXXX and XXXX for opened and fraud product XXXX : Debit Card No. XXXX XXXX XXXX Dear Member : This letter is to inform you that we have made a final determination regarding your Navy Federal Debt Card fraud claim in the amount of . Based on the facts of our investigation, your claim is found to be valid. The provisional credit of $ issued to your account is is now permanent and will not be reversed. If you have any questions regarding this matter, please call us toll-free at XXXX. If you prefer, you may send us a secure message via Navy Federal Online Account Access, or you may write to : Navy Federal Credit Union, Card Fraud Prevention Recovery, XXXX XXXX XXXX, XXXX, VA XXXX. Thank you for allowing us to serve you. Sincerely, Card Fraud Prevention Recovery Navy Federal Credit Union
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On Thursday, XX/XX/2021 I requested XXXX Credit Line to send {$1000.00} to me from my {$2300.00} Credit Line. This is because every time I went to use it. Instead of them taking money from the credit line Acct, they would remove money from my Personal Checking Acct in Navy Federal Credit Union ( XXXX ) Once I picked up the money from XXXX I was going straight to bank to deposit. When I arrived at XXXX, found out they would charge me {$9.00} for this transaction. Received the {$1000.00} and went right to Navy Federal to deposit. Once their, to my surprise {$1000.00} was Removed from my Personal Checking Account by XXXX, a XXXX Service Company XXXX. On XXXX Wednesday of month, my SS Check gets deposited. I immediately told the Bank Employees that they Took MY Personal Money From My Account which was needed for my Mortgage Company to do an Auto Pay on Monday, I was able to obtain a special program with them that decreased payments by {$200.00} each month. So I definitely didnt want that to be taken away. The Bank put the {$1000.00} back in2 my account temporarily while the Dispute was being investigated by them. After two months in XXXX the Bank notified me that they agreed with XXXX and Removed the monies from my account causing me to go into Overdraft. My Checking Account has been arrears every since that time, despite numerous visits into Bank and phone calls to their Customer Service Department. Ive made numerous calls to XXXX XXXX XXXX, XXXX who refer me to XXXX XXXX, who refer me back to XXXX XXXX. I attempted to pay on the Overdraft amounts as well as the Loan I have with Navy Federal. First month I paid {$150.00} towards it, and second month I paid {$50.00}. the third month, the bank than charged me fees and the balance was more than before I started paying on it. What happen to my {$200.00} I paid? Can you help me PLEASE?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
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: I made an online purchase of {$1600.00} on XXXX XXXX website for a XXXXXXXX XXXX on XX/XX/2021. The package was delivered by XXXX on XX/XX/2021. Upon opening the packaging, I realized the item I purchased was not inside. There was only an empty box. I immediately contacted the merchant and they started a claim with XXXX. XXXX picked up the packaging the following day, XX/XX/2021, and provided me with a receipt. I disputed the charge with Navy Federal. Navy Federal later rejects my claim saying the merchant advised I received the product but the supporting documentation that was provided showed the package was delivered to my house but also picked up and returned to sender. Navy Federal would not allow me to provide further documentation to support my claim. The merchant refuses to refund me because they stated I received a chargeback from my card which I did not. They will not reopen the claim with XXXX. I have provided sufficient documentation to the merchant that Navy Federal rejected my claim and I have tried to provide documentation to Navy federal to show that I have complied with XXXX investigation. At this point, I am thoroughly disappointed in Navy Federals one sided investigation. There loyalty should have been to me the member and they should have thoroughly assessed the documents they received from the merchant which shows that the packaging had been returned.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I went into a consumer credit transaction with this company meaning that this company used my credit card ( 15 USC 1602 ). By this company using my credit card means I extended them credit making me the original creditor and was supposed to be charged just the finance charge. Some reason this company has sold this account and have another company with my personal information send me mail saying that I am in debt with them. I have been attempting to resolve this issue with this company any the consumer reporting agencies but that hasn't worked either, they are continuing to report this debt to agency that I don't owe. It is ruining my reputation and putting me and my family in a financial hardship I have sent a letter to them and told them to cease all communication with me about this debt and clear the balance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
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: I gad a navy federal credit card the payments were being made through my business account. I raised the monthly payments up to {$300.00} per month to pay the card off. After a year or so months. I called to see what my balance was they told me it was XXXX something. I went to the Navy federal branch in XXXX Tx asked for a copy of my statement. I saw several items that were fraudulent. I was told to call the credit card department. I called them and express my concerns or the fraudulent items. I was told that they were over 60 to 90 days old that I had to pay them. I explained to them that they were that age due to me having never receiving a statement. I was told they send statements out every month. I asked them where were they sending the statements. Since I was paying through my business and lots of cash was being made I never gave them a place to send statements. When they checked she agreed with me that they didn't anywhere that they could have been sending the statements. They then asked what was my address so they could send me a paper to sign to dispute. But in actually they were using it to confirm with the credit bureaus that it was legit. I continued to pay what I knew that I used which was {$4800.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29045
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I bought two pieces of land from the Government auction on XX/XX/XXXX for a total of {$6300.00}. I called XXXX county and XXXX county both counties where the land is located and the county tax and assessor departments could not give me accurate information where the land was located besides a plat map. That is a red flag inside of itself of the fact that the county doesnt even have the correct information. As it states on the website " As it relates to any Land property you have a period of 7 days ''. I have emails pertaining to requesting a refund within the 7 days and now the auction site isnt picking the phone up or returning emails. This is a fraudulent transaction. The XXXX parcel search is showing the ID that they gave me XXXX acres of land but i only bought XXXX acres. The picture is in the attachments
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27330
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: THE DAY THAT WE WERE CLOSING ON OUR PRIMARY RESIDENCE I NOTICED THAT A {$2500.00} UNAUTHORIZED TRANSACTION OCCURRED FROM OUR SAVINGS ACCOUNT. THE TRANSACTION WAS AT ONLINE AND ORIGINATED FROM AN OUTSIDE AGENCY THAT HAD GAINED MY PERSONAL INFORMATION AND TRANSFERRED {$2500.00} FROM OUR SAVINGS ACCOUNT TO A CHILD SUPPORT AGENCY IN TEXAS IN THE EARLY HOURS OF THE MORNING THROUGH THE NAVY FEDERAL CREDIT UNION IN XXXX, ALABAMA IN XX/XX/2020. NAVY FEDERAL INVESTIGATED THE INCIDENT AND STATED THAT THEY WOULD CREDIT OUR ACCOUNT BUT THEN THE NEXT BUSINESS DAY OR THAT SAME DAY THEY WOULD XXXX THE AMOUNT OUT AND SAY THAT " YOU MADE YOUR ACCOUNT OVERDRAWN OR IN THE NEGATIVE AND WE HAVE TO MAKE OUR MONEY BACK ''. SO THE MONEY WENT FROM OUR SAVINGS ACCOUNT TO A CHILD SUPPORT ACCOUNT IN TEXAS AND WE NEVER WERE PAID BACK AND NAVY FEDERAL CREDIT UNION STATED TIME AFTER TIME, THAT THEY HAD TO MAKE " MAKE THEIR MONEY BACK '' XXXX THIS NEEDS TO BE INVESTIGATED AND WE DID FILL OUT A POLICE REPORT BUT NEVER, EVER DID WE GET THE {$2500.00} BACK!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent of investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via credit/debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing NFCU services. I have since filed a case against XXXX too. Although NFCU has helped recovered the sum of {$1200.00} USD, I have yet to recover the rest money. I am yet to recover my hard-earned money in the sum of {$1700.00} USD. A pre-arbitration procedure should be conducted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A