Date Received: 2021-08-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: A credit card in my name with NFCU, and my husband as an authorized user is the card in question. A settlement amount was agreed upon and I paid this amount in full. I received an email from NFCU confirming payment in full and conversations with reps at NFCU confirm paid in full as well. The problem is the GIANT RED BOX placed at the top of my account page " for information purposes, not to collect a debt ''. The GIANT RED BOX takes up 1/3 of the screen on mobile and can NOT be closed on mobile. I've sent a secure message asking this question, called the credit card department, the resolution department and technical department. I've been transferred multiple times and two people said they could re-enter the debt was paid in full and settled to see if the alert would be removed. It removed the alert for that day but it returns in the morning. This would require a daily call to NFCU reps to have the alert removed. XXXX in the " technical '' department told me this alert would remain on my account forever since the card was part of a bankruptcy. He said this was " in compliance ''. I've never filed bankruptcy and I settled this debt, paying in full. I refuse to believe each day when I open my bank account I must stare a red exclamation and box covering 1/3 of my mobile screen. To date not a single person has been able to describe the compliance code they are following or how to remedy this issue. This red box removed, permanently, is my request. Thanks, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I NEED MY ACCOUNTS UNFROZE. I have XXXX in my accounts from my PPP loan. My account has been frozen for a whole week after NAVY FEDERAL APPROVED ME. I have kids and I need my money. I just please ask can they unfreeze my accounts please.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2021-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Hey guys! There are still inaccuracies on my credit report. For example, this account has two different account numbers. Now, If you have already done an investigation, I want to know how you missed an error like this? NAVY FCU XXXX XXXX XXXX Account # : XXXX XXXX The date of first delinquency is inaccurate. The name of the creditor is truncated and unidentifiable. The account numbers are incorrect, truncated and unidentifiable. The payment history has been reporting incorrectly for many years now. There is no notice of dispute. And there are at least 3 other issues that I will not name at this point as I would like you to actually do an investigation. I do not understand why you wont investigate my account?!!!! What's the problem? You are literally ruining my life by reporting these old accounts that are just burdening the both of us.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2021-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Me and my granddaughter share an account at Navy Federal, I had to be out on the account because she was a minor at the time and they needed a joint signer so I signed up with her. We have this account opened for quite sometime, then one day I noticed the account was drained and I got a letter from Navy Fed telling me they will start taking money out of my other accounts if this is not paid. I spoke with them and found out an {$8000.00} check was deposited but we did not do this deposit. I disputed this with them and they said that I am held responsible. I also disputed the individual charges with Navy Federal and they keep claiming they never received my dispute documents even though I sent them twice. They also claim that they have video of the person doing this but they will not show me the video, or go after the person who did this. I have tried to subpoena the bank via the law enforcement officer I filed a police report with and even the officer will not help. We are a victim of fraud, we did not do these charges or deposit a bad check into the account. I need this resolved and my money given back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: The problems started in XX/XX/2021 when a representative from the Navy Federal Credit Union caused errors on my account due to my checking account being hacked. From that time on I had problem after problem with that credit union. Then yesterday, I found out that they closed my checking account. I had previous disputes with them on a transaction concerning XXXX XXXXXXXX. I had submitted a 2nd request for review of the situation. Yet, I never received even an acknowledgement of the email. The next thing I knew noticed was my account being closed and I received a letter. I am absolutely disgusted and apalled by this Navy Federal Credit Union. I have serious health issues and I don't not need this unnecessary stress. Everyone at the Navy Federal Credit Union always had a different story to tell about any question someone has. They are very confused and do not what they are doing! I Tried to close my savings account with them this morning as was not able to do so because the female representative said she didn't know how to do it! This is the most disrespectful, inhuman, uncaring, unknowledgeable credit union I have ever been associated with! They should not be allowed to treat people that are ill any type of way. I am now having to wrongfully pay {$91.00} because of an issue that was not my fault. I do not want this to be place on my credit file so I have not other recourse at this time but to pay this. However, I do not agree with this false debt that they claim I owe!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30084
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98516
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On the date of XX/XX/2021, I entered a consumer credit transaction with navy federal in the amount of {$74000.00}. I'm exercising my right as a consumer to dispute an alleged debt under federal law. Pursuant to 15 U.S.C 1692g ( b ) As the consumer, I requested the name and address of the original creditor. Navy Federal shall cease collection of the alleged debt, or any disputed portion thereof until Navy Federal : obtains verification of the alleged debt, verification of the name and address of the original creditor, and a copy of such verification name and address of the original creditor, is mailed to me by Navy Federal. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section by federal law. If any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and for Defamation of Character. Also, if any of my accounts are frozen or closed for exercising my rights as a consumer, I will not hesitate in bring legal action against you and/or your client for the Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and for Defamation of Character.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: They are denying my app without sending me a reason.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A XXXX in the XXXX tried to open an account at Navy Federal Credit Union on XX/XX/XXXX using my identity along withba cell number not even mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I work for an airline and on XX/XX/2021 I parked my car at XXXX XXXX in XXXX, CA. The airline crew rate is {$10.00} per night. I returned on XX/XX/2021 and was charged {$20.00} by the front desk representative, although I only had my car parked there for one night. When I went outside to pick up my car, I was informed by another crew member that since the parking gate was inoperative and open for the day, no hotel guests or parking guests were being charged. I tried to resolve the refund issue with the hotel and was unable to solve my problem. I then contacted my bank NFCU and filed a dispute on that charge. I was asked to submit additional documentation and I provided a copy of charge and screenshots of the open gate. Yesterday I received an email from NFCU advising me that they decided to close my dispute and pay the charge, so I contacted NFCU again and spoke with XXXX, who didnt know how to advise my on that and just told me to send a message to NFCU and write dispute. Today I spoke to a supervisor named XXXX and he looked at the screenshots and kept saying that the screenshot shows the rates, and did not understand that I was providing the screenshot of the open gate and not the rates. He then said that he was seeing a closed gate and I explained to him that the entrance gate on the screenshot was closed but the exit gate was open for that day. He insisted on the entrance gate and rate list, which is not the crew rate. He so disregarded the fact that on that date the hotel parking exit gate was not functional and guests were not being charged.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A