Date Received: 2021-07-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit transaction, using my credit card to extend myself credit using navy federal credit union, as defined by the truth in lending act pursuant of 15 USC, chapter 41 subchapter 1. They process the transaction using my credit and denied me the extension of credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34205
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: Acceded my account and add herself to jointaccount without knowledge or concent. Applied fo XXXX and is accessing my money and account information. Also holding and opening my usps mailed to me. Rerouted my mail to last known address.applied my tax return to her accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29461
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: NFCU : So many companies have totally lost integrity, ethics, morals, values, a soul - during COVID19 and are targeting, bullying and clearly violating the law. This is starting to become a regular issue and I am trying to figure out why. The money was in there however somehow ; I have been charged ten overdraft fees. NFCU is purposefully doing math wrong. I am shocked at NFCUs unethical overdraft practices which are impacting my transactions. My checking account has been compromised by abusers. Commingling with my checks, bill payments, debit card transactions, and ATM withdrawals each day then taking a week to process transactions - a violation of NFCU policy. I understand COVID19 has impacted operations but what is being done to my account is a violation of law. NFCU is manipulating the order of my transactions to maximize the chances I will be charged an overdraft fee. The transaction order ( not chronological ) and the way NFCU is processing various types of debits and the time period ( a week ) doesnt allow me to keep track of what NFCU is doing I am unable to anticipate and avoid overdraft fees NFCU is stealing really. I am head of household - not by choice. I have children that I need to take care. NFCUs complexities of the payment process and operational efficiency needs to be evaluated. I have been a member for 16 years - shame on you NFCU. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX - 2020 I took a money order received for a truck I'm trying to sale ( I still have the truck ) to navy federal that I bank with. They didn't tell me that I had to sign the back of it ( it's very rear I deal with a check so I really on bankers to tell me what I need to do with the check ) and they made the funds available Tuesday XXXX the XXXX. The money was in my account on Thursday the XXXX. On XX/XX/XXXX I tried to pay my bills and there's no money there so I called the bank and they told me that the check is fictitious. I told them if the check is not real then why did they tell me the check is good and made the funds available and where's my VA XXXX check at. They said that they didn't know at the time I took the check to them the check was not good and because they pulled all the money out they used by VA XXXX check ( {$1800.00} ) to cover some of they debt. I think it took a week and a half for them to tell me that my check is a protected check and they can't legally withhold it from me. So I drew out {$400.00} to pay my bill. About a week later I wanted to pull out {$160.00} and they told me that I'm to far in the debt so I can't access my VA XXXX check. I told them that they told me that it's a protected check and they even told me that they have to make it available to me. They still won't fix the issues they caused and won't release my check.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navy Federal Credit Union ( NFCU ) Stated that I exceeded by credit limit and the balance carried over to next bill. This is not true. I always pay my credit card off every month as I did a week ago. During the pay off last week, I had a credit card fraud, so NFCU cancelled my credit card and issued me another credit card. During this transition somehow it showed I exceeded my credit limit and the balance carried over to the next bill. XXXX and XXXX lowered me and my wife 's credit score by 35 points - now at XXXX. XXXX/XXXX/NFCU needs to correct this immediately. My credit score should be XXXX and my wife 's should be XXXX. XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28443
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I filed my claim to be reviewed again claim number XXXX after it was denied. I deposited XXXX on XXXX XXXX in an atm in XXXX, Texas and the atm advised me that I can only deposit XXXX bills at a time and asked if I wanted to continue or take out all the cash. I press continue and the atm only deposited XXXX out of my XXXX and did not give me back the rest of my cash. My money should be protected with navy federal. I am also requesting for this video to be reviewed. This is not fair to me as a customer. This was an error with navy federal Then on XX/XX/2021 I asked for another case to be reviewed case XXXX. I spoke with a representative today and was told my case was denied because transactions were chip verified. When I made the claim i was told if a transaction was suspious I am to file the transactions that did not belong to me. For example my claimed was denied for the XXXX transaction that was made back t back to the same location with a different passenger and phone number that did not belong to me. I do not feel that it was fair to deny the whole claim. I also advised the representative the card was on my possession however at the time I was not aware that the person I rented a room in my home was taking my card and putting it back in my purse. I recently found my credit card statements in her possession and I am currently reporting this to law enforcement. We share a common area and I did not notice this at the time when making the claim, I did not know this claim would be denied. This is not fair to me at all because my card was stolen and fraud was done in my name. I am also noticing that this person has purchased things to copy my personal documents and made a copy of my Identification. After confronting this thief she has not returned to my home. I am going through identity theft and stolen possessions. I did was I was told by your banking representative and turned my card in to the bank in XXXX, Tx. Again please reopen this case and look further into my claim. I did not deserve this and identity theft is hard to prove. I did not want to lie and say my card was stolen when anytime I went to use my card it was back in my possession. It is hard to accuse someone of something without proof. I did not even get a message from you, I had to call multiple times to find out the status of my case and no one reached out to me for more information nor have I received any communication from you. It is not fair to deny something without even reaching out to me, this would of helped me and I would of provided more information to you. I do not like how this case was processed. I have went through this claim process before and to be honest I am very disappointed in this credit union. I was not notified my claim was being denied. Reach out to your customers before denying a claim because I am being defrauded
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My financial institution NFCU has denied my dispute for a fraudulent scam transaction more than three times. Initially I was granted a temporary refund for the dispute but that was taken back within a month. I have shown proof that the fraudulent merchant XXXX XXXX XXXX XXXX did not provide the service that was agreed in the contract. I also provided proof that the merchant agreed to refund me in full, but however that never happened and they kept giving me excuses why I had not received my funds. Hence the reason I started the dispute with NFCU to help me get my funds that are owed to me. I thought being a client, a LONGTERM client of NFCU this would be handle in a better and quicker manner. When I contacted NFCU yesterday about the dispute the customer service rep was helpful, however the dispute dept. that she was " chatting '' with for help was VERY nonchalant. The credit is only for {$250.00} which to some may not be alot but to a single mother of XXXX it puts a dent in my finances.Overall I am very upset at the way NFCU is handling my dispute.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. My personal information was stolen/shared with unknown sources. These accounts are reporting inaccurate information on my credit profile and needs to be removed immediately from my credit files. I have no knowledge of the following accounts nor inquiries reported on my credit report. It is addresses in Ohio with accounts attached that are fraudulent, please remove them immediately. Dept of edu/XXXX : XXXX this is not my account! XXXX XXXX XXXX : XXXX, XXXX these are not my account. This are repeated accounts showing on my credit profile by the same company. XXXX XXXX XXXX : XXXX {$430.00} I have no knowledge of the account XXXX XXXX XXXX : XXXX {$260.00} This is not my account XXXX XXXX {$2200.00} this is not my account XXXX XXXX : XXXX {$440.00} this is not my account. Navy federal credit union:XXXX {$530.00} this is not my account XXXX XXXX : XXXX {$1200.00} this is not my account. There are more than 30 inquiries on my credit profile from someone trying to still my identity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33810
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX Deposit made after XXXX XXXX at ATM for {$3300.00} - {$220.00} immediately available. Called bank about hold time, and funds were to be released XX/XX/XXXX. XXXX fund not released, no notification of extra hold given to me. Will not release until XX/XX/XXXX. Was told by chat agent to call in. Called bank and was told Fed returned the check unpaid. Escalated to a manager who said Safety had extended the hold that it had been returned by the Fed as unpaid. XX/XX/XXXX afternoon - received confirmation from issuer that check was not returned and was being processed. Provided information to the bank. Was told it had not cleared yet and if it being cleared could be verified they would release funds. XX/XX/XXXX evening was called by issuer and informed that XXXX XXXX had cleared the funds. XX/XX/XXXX - called NFCU and they refused to release funds. Will not release until XX/XX/XXXX NFCU availability policy is 5 business days from acceptance of deposit. I was told repeatedly when it showed cleared by XXXX XXXX these funds would be released. Paperwork provided is by issuer of check. Despite repeated requests for copies of hold notification or reason for additional hold from Navy Federal Credit Union not a single piece of information was provided. Even when told I would be emailed a copy nothing was sent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A