Date Received: 2021-07-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A savings account was opened at a Navy federal credit union by someone whom stole my identity.To be a member of NFCU You must be current/former military and or be sponsored WHICH MEANS THIS PERSON CAN BE TRACKED DOWN.They also open account without verifying just whom a person really is, meaning the account was opened online with NO SS CARD AND A ACCOUNT ASSOCIATE STATED NO PICTURE ID. That is very disturbing and ONE SHOULD HAVE TO SUBMITT PHOTO ID, of AND SS CARD # .They also claim im not entitled to any of the documents used to fraudulently open the account the LAW SAYS DIFFERENT THAT I AM ENTITLED AND I am the victim being treated like XXXX.When there business practice in opening accounts is questionable at best. I may have to hire a lawyer im afraid as i want answers as per how this was done. My wallet was stolen bout 5 years ago by a former XXXX veteran but we could not prove it..NFCU may posess A ID with the man whom stole my wallet at work we could not prove he did it but we knew he did it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45211
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In XXXX of XXXX, after coming back from a XXXX, I realized I was missing some of my XX/XX/XXXX travel pay. When I discovered my XX/XX/XXXX travel pay was placed in a wrong NFCU account, due to a mistake in account numbers, that led me to discover my XXXX travel pay ( from a move from XXXX to XXXX XXXX was placed in the wrong account as well. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXX ) and they sent a letter of indemnity on XXXX XX/XX/XXXX, regarding my XXXX XX/XX/XXXX payment and my XXXX XX/XX/XXXX payment. NFCU returned my XXXX XX/XX/XXXX payment. However, they did not return my XXXX XX/XX/XXXX payment, totaling {$2600.00}. The trace number for the aforementioned amount is # XXXX. In XXXX of XXXX, I reached out to the XXXX. XXXX Legal Assistance Office, they helped me get another XXXX letter of indemnity. Again, the {$2600.00} was denied. I filed an Inspector General ( IG ) complaint in XXXX and received another Legal Assistance Attorney in XXXX after the previous one XXXX. That attorney, XXXX XXXX XXXX, arranged a three-way phone call with NFCU and myself also on the line and XXXX XXXX facilitating. The representative at NFCU confirmed that they were able to see the mix up. The representative on the line confirmed the XXXX letters of indemnity and XXXX XXXX letter of indemnity. The representative gave XXXX XXXX a new fax address to send a letter of indemnity in her legal capacity. However, after she sent the XXXX XXXX Legal Assistance letter, on XXXX XX/XX/XXXX, on XXXX XX/XX/XXXX I called NFCU and they replied that they would not accept XXXX XXXX letter of indemnity, it had to be from XXXX. On XXXX XX/XX/XXXX, XXXX XXXX reached out to XXXX for a third and final letter of indemnity. XXXX only does two letters of indemnity, but they allowed an exception. However, this time NFCU came back saying there were insufficient funds and that the account had been closed. If youre reading this complaint and thinking, well she should have kept track of her money better. Rest assured, that I am beating myself up with that refrain already. But from a consumer standpoint, if NFCU told me where they saw the error, they have the trace number, and they saw that it went into the wrong accountit seems that the next step would be returning the money. Instead, NFCU has initiated bureaucratic roadblock after bureaucratic roadblock, saying I need another XXXX letter of indemnity when Ive already sent two on my behalf, telling my Legal Assistance attorney the wrong fax information, and conceding that they see the account transcription error when I call them. I feel like Im getting runaround. Through multiple XXXX and moves, I wrote the wrong account number down and only realized it in XXXX. I know {$2600.00} might be a drop in the bucket to NFCU, but its a lot of money to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
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: Navy Federal Credit Union is refusing to help me regarding an overcharge for an XXXX XXXX XXXX XXXX, without my knowledge, consent, or even attempt to inform me, increased a rate that I had been paying for approx 7 months by XXXX the amount. After reaching out to XXXX several times and threatening a charge back, XXXX finally said they would adjust the charges. However, they did not provide the adequate refund, and still charged me approx {$400.00} too much, even after refunding a little over $ XXXX. As promised, I began the charge back process seeking the additional amount ( wasn't trying to get a reversal on the full amount, just the overpayment amount ). Because I was never even informed of, and obviously did not authorize ( no signed contract ) these charges, when NFCU asked for documentation to support my case, I told them I had none because how can I possibly have a copy of a contract that I did not sign?? NFCU refused to help me and even after contacting NFCU a second time, refused to help me. The following quote was my second contact attempt to NFCU, which they replied with a denial to help me. " You guys closed this dispute because I " did not provide documentation '', but I clearly stated that I did not sign a contract, so how would I have documentation of something I did not agree to??? I stated that if you requested a signed contract from the merchant, that they would not be able to provide one, since I did not sign one, so you guys turned around and asked me instead??? That literally makes no sense at all. This needs to be resolved ASAP, or I will be forced to contact the Consumer Financial Protection Bureau. ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Struggling to pay your bill
Subissue: Filed for bankruptcy
Consumer Complaint: XXXX sent XXXX a charge and charged my navy federal credit card and it wasnt even a right charge. I am filing for insolvency since i havent had a job since 2019! I am currently going through financial hardship and have not recieved any stimulus yet. Please pause all my accounts
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80907
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My husband and I are in the middle of a home purchase with a closing date of XX/XX/XXXX. WE NEED IMMEDIATE ACTION in order not to lose the house we are purchasing and/or have our deposit returned to us. In Summary, Navy Federal Credit Union provided Conditional Approval for Mortgage Commitment on XX/XX/XXXX, which was the commitment deadline stated in our XXXX XXXX XXXX. On XX/XX/XXXX NFCU retracted their financing commitment for reasons not stated in the conditional approval. We, the buyers, stand to lose our earnest money deposit because NFCU retracted their financing approval AFTER the mortgage commitment date. The facts of this transaction are as follows : -On XX/XX/XXXX we received pre-approval from NAVY FEDERAL CREDIT UNION ( NFCU XXXX in the amount of {>= $1,000,000} ; using this information we signed a XXXX XXXX XXXX on XX/XX/XXXX to purchase a home using a VA XXXX in the amount of {$960000.00}. - Our intention was to finance the mortgage 100 % using a VA loan, but the sellers asked for an earnest money deposit, to which we agreed in the amount of {$48000.00}. - ON XX/XX/XXXX WE NOTIFIED NFCU THAT WE HAD UPLOADED ALL OF THE REQUESTED DOCUMENTS. - On XX/XX/XXXX, we reached out to the loan processor to ensure that he was aware that the mortgage commitment date was XX/XX/XXXX. We have proof of this communication ( and many others XXXX. - On XX/XX/XXXX, NFCU requested XXXX tax returns, which we provided immediately on that date. - We contacted the loan processor and our loan officer many times leading up to the mortgage commitment date to check the status of the loan and were informed everything was in order. XXXX XX/XX/XXXX the loan processor requested a last minute extension ; the sellers agreed to a new mortgage commitment date of XX/XX/XXXX. - We again contacted NFCU many times leading up to our extended commitment date to check the status and were told they were waiting on tax transcripts they had requested from the IRS. - On XX/XX/XXXX we took it upon ourselves to access the IRS website and provided the tax transcripts directly to NFCU. - On XX/XX/XXXX we contacted NFCU many XXXX times, still awaiting financial commitment which was due that day. - At approximately XXXXXXXX XXXX on Friday XX/XX/XXXX we were given CONDITIONAL APPROVAL for our mortgage commitment. We read the list of conditions, which did not include anything that would impact our ability to purchase the home. - On Monday XX/XX/XXXX, we were informed that NFCU was denying our financing for reasons not expressly stated on the conditional approval letter. No additional information was received by NFCU between the dates the approval was given and the date it was retracted. - On XX/XX/XXXX our attorney confirmed with the sellers ' attorney that the sellers would not be returning our earnest money deposit because it was past the contractual mortgage commitment date. - We now stand to lose the home we are intending to purchase AND our cash deposit, through NO FAULT OF OUR OWN, as we did not have any opportunity to back out of the deal before our financing was removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01757
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Navy Federal FCU closed my previous credit card with a limit of {$17000.00} in 2018. There were missed payments that I didn't not agree with. I tried to resolve this but have gotten no where. This has caused me to get turned away from mortgage lenders as I have been eagerly trying to purchase a home.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Cardholder made a fraud claim because the cardholder himself, including his wallet, was in the custody from XX/XX/2021, until XX/XX/2021, and he did not know that until the overdraft protection kicks in.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navy Federal I demand that you cease and desist from all forms of communication including my consumer report! My consumer report is in fact a medium! Which means its communication. I demand deletion from all consumer reporting agencies immediately sue to indirect communication! Do not send statements, do not contact me in any form, do not sell any information containing me to any third party or give my personal information to any third party. Cease and desist from reporting in writing regarding this natural person, the original creditor, that I am!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95205
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have an auto loan that i did not receive statements since XX/XX/2020. I tried calling the bank but was on hold with long wait times. As it turns out, i was not getting the statements because they failed to update my address after we relocated on XXXX XXXX military orders.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A