Date Received: 2021-07-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My Credit Card and Loan became delinquent when I lost my unemployment benefits. Navy Federal Credit Union took all of my money from my Checking account to pay to the Credit Card and Loan without my authorization leaving me with a XXXX balance. I had this problem around XXXX with the account that is now a Loan, which was reviously a closed Overdraft Protection account. Navy Federala Credit Union told me at that time if I converted the account from a Overdraft Protection account to a Loan, I would not have the problem of them coming in and depleating the money in my Checking account to pay the Loan or Credit Card.I did not authorize the payment, did not have automatic re-occuring payments, and asked Navy Federal to put the money ( {$250.00} ) back into my Checking account which they refused to do. They told me they had a " Security Interest '' in my Checking and Savings Accounts that allowed them to go in and deplete my funds when my Credit Card or Loan becames delinquent. I asked to close my Checking and Savings, and they refused to close the Savings so that if any further money was deposited into my accounts they could take it to satasfy my delinquent Loan and Credit Card.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78233
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
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: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I contacted the Navy Federal Credit Union after the denial of a VA home loan. The VA does not set a hard and fast rule on a credit score. If you are a veteran you are entitled to a VA home loan. The scores of XXXX is what would normally be for FHA or conventional loan. There should be no discrimination on a veteran because they do not have a credit score of a particular number. I was told by the lender it was because of my credit score. I have other pre-approvals by other lenders but Navy Federal has lied and said I need a certain score. The VA does not discriminate. I have money in the bank and my debt to income ratio is awesome. I have a few OLD blemishes on my credit but have a score of XXXX should not be grounds for denial. I have multiple accounts with Navy Federal as well as credit cards. I feel like I am being pushed out of a VA home loan because they don't want to offer such great benefits that a 100 % XXXX veteran is entitled to.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32763
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Fraud and Identity Theft on my checking account. I received a text from Navy Federal Credit Union about Possible suspicious activity was found on your Navy Federal Credit Union account. ( text XXXX ) on XX/XX/2021 at XXXX. I called the very next day an spoke to someone ( do not recall name right now. ) She stated that someone was in my online account since XX/XX/2021. I ask why are you just now telling me this on XX/XX/2021? she stated that someone took out my mortgage payment in the amount of {$2600.00}. They replied we know who did it but your claim is denied because you let them have access to the account. I stated I have no idea who this person is? second claim was that my wife deposited {$2300.00} cents in my account then withdrew the same amount. My wife was listening to the conversation due to the fact that I record my calls and I was on speakerphone at that time. She pulled her bank statements on that date which is XX/XX/2021 and no amount of money was ever deposited in my account nor deposited back in her account from her. when I presented them with the facts they said you can keep pretending or denying the facts. What? they have yet to show me any proof from emails, texts, IP addresses, nothing and I have continued to ask for proof. They keep giving me the run around and passing me from department to department. I am reaching out to you prior to filing a lawsuit against them for fraud and racketeering act. ( RICO ACT ) as well as several other reasons.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XXXX XXXX I sent a credit validation letter was sent to Navy Federal Credit Union asking them to provide me with a contract that show my wet signature connecting me to the an account that is XXXX, XXXX and XXXX credit reports, in the amount of {$3900.00}. On XXXX XXXX I received a letter in the mail stating that the account is " verified. '' My request was not granted, and sending a stall tactic saying that the debt is verified without showing how it was verified is a violation, according to the 15 USC 1692 -1692p. Also, on XXXX XXXX I sent a credit validation letter to XXXX XXXX XXXX XXXX another account that is fraudulently listed on my credit report. I was unsuccessful with getting a response from this company. So, I called this company on XXXX XXXX and was told that they do not have a contract with my wet signature, however the debt is verified. I never received anything in the mail regarding my request and this account is only being listed on my XXXX credit report, which is indeed a violation, since each bureau should mirror one another. Additionally, An account listed with XXXX XXXX XXXX XXXX who's a debt collector for XXXX XXXX XXXX XXXX is being reported to XXXX, XXXX and XXXX. This account appears to be a medical bill. I reached out via phone to this company on XXXX XXXX and explained that this is a HIPPA violation, and this account needs to be deleted immediately and no information should be shared to any third parties in the HIPPA law. The representative was noncompliant and hung up the phone. Finally, There is an account listed on my XXXX credit report with no original creditor or collection agency being reported, by having this misinformation I was unable to contact the company directly. I contacted XXXX and the representative stated that she was unable to remove the account, and I had to dispute it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was notified via XXXX that I had a 30-day late on my Navy Federal Credit Card. I was surprised as it has always been on autopay. I had {$1500.00} in the account to easily cover the {$20.00} payment. I was never notified by NFCU that I was delinquent I never agreed to remove auto payments I had plenty of money in my account to cover the payment of {$20.00} NFCU will not provide any help whatsoever. There has been several violations and a lack of documentation on their behalf.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92108
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have called over and over each day leaving a message for this department to work out my credit card debt but as of today they have not returned my call. I was given a number to a staff member who never answers the phone nor returns call therefore it makes it extremely hard to work this out and not go into collections due to the lack of assistance in getting my card situation resolved in a timely manner
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2021 I payed on my account {$620.00}, and this payment was not applied to my balance/account. Additionally, interest was charged on a balance transfer and withdrawal when it was advertised interest free for 6 months.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am a member of Navy Federal Credit Union and have been for 10 years. A member transferred money into my account and reverse the money. Navy states that I was the one who initiated the transfer and I gave the member my access number she did not provide me with hers. They are closing my account. I have several accounts with navy and I want to resume my business relationship with navy. They stated they have a voice recognition but did not provide me the evidence.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75253
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Navy Federal took {$710.00} out of my checking account and I was unaware that they were able to do that to satisfy a credit card debt!! That was all the money I had!! I get XXXX and I had to put money in this account due to the fact my card was closed down!! I already contacted them and they said it was nothing they could do and could not give any of the money back and they had the legal right to get it cause I agreed with my signature on a promissory or agreement!! So I asked them to send it to me and they sent me a bank disclosure!! I researched and read that banks are not allowed to offset accounts for credit cards!! Can I get any assistance for this matter?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33563
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A