Date Received: 2021-06-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A company ( XXXX XXXX ) fraudulently charged our bank account debit card {$10000.00} on XX/XX/2021, when we only authorized {$5000.00}. Navy Federal Credit Union denied our claim for an unauthorized debit of our account. We provided Navy Federal Credit Union a credit card authorization form where we only authorized {$5000.00} to be debit by XXXX XXXX. XXXX XXXX made other fraudulent misrepresentations to Navy Federal credit Union. The false representations were confirmed by the XXXX County Inspector.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20105
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There are two separate incidents, but both involve the Bank 's refusal to credit my debit card for services that were never received. The first is with a company named XXXX XXXX. In XX/XX/XXXX and XX/XX/XXXX, I paid XXXX two payments, one of {$460.00} and one of {$430.00}. For this, XXXX was to republish a book that I had written, build a website, provide me with the login information to manage the website, create and produce a book trailer, and do other advertisements to promote the book. The only thing XXXX did was create a website. They did not give me the information so I can log in myself. They did not publish the book -- it is nowhere to be found on XXXX or any other platform. They did not create the book trailer. I sent numerous email asking about all of the things I paid for and they apologized and stated they would do it. They never did. I requested a refund and then they went away. I filled out a dispute with Navy Federal Credit Union. This was more of a nightmare than dealing with XXXX. On three separate occasions, Navy acknowledged receipt of all my supporting documents, then shortly after closed the dispute for failing to receive the requested documents. Each time this would happen, I would call and let them know of the exact date the items were sent. They would research and then apologize and then reopen the dispute. Finally, on XX/XX/XXXX, they closed the dispute saying " we found no error occurred '' and " you were charged for the amount you owed after receiving merchandise or a service. '' This is obviously not the case. I received nothing, but an inaccessible website. The other incident is with XXXX XXXX and this is even more egregious. I was in XXXX with my fiance. We purchased what we thought was a great vacation package. We soon discovered we were scammed. The package cost {$6000.00}. I paid {$2000.00} with my Navy Federal Credit Union Card and my fiance paid {$4000.00} with her XXXX XXXX XXXX card. As soon as we arrived back to the United States, we attempted to use the package and discovered we could not. We literally received nothing. As with XXXX, I filed a dispute. As with XXXX, the dispute for this transaction was open, closed, open, closed, open, and then closed again. Finally, on XX/XX/XXXX, I received the last notification that the dispute was closed " a notice was sent requesting additional information ... .but it was not received. '' I literally sent them everything three times. I feel that Navy wants me to sue them. I asked for a copy of the investigation which convinces them that services were received. They have failed to provide anything to me. I am requesting that Navy refund the {$2000.00} from XXXX XXXX and the {$460.00} + {$430.00} from XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Navy Federal Credit Union continues post transactions out of order on my checking account. They are not following the posting schedule and I believe they are doing this to collect more overdraft fees. They do not widely advertise the posting schedule I had to request a supervisor to tell me the schedule because the first representative did not know. This is deceptive practice. They are capitalizing off of people financial hardships during a pandemic.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, XXXX, and XXXX 2021 large sums of money was taken out of my account by scammers using XXXX XXXX. I had problems with them months before and felt that they had moved on because they had targeted my XXXX XXXX XXXX account for the sum of {$300.00}. The scammers had access to my social security number, address, passwords and personal id questions. They had convinced me to install Id.me and they gained access to my phone. I received the {$300.00} back from XXXX. They sent check books in my name and tried to threaten me to sign it and cash it in the amount of {$7000.00} and {$60000.00}. The name on the checks is my name and navy federal credit union. They also sent a check for me to cash in the amount of {$50000.00} from XXXX XXXX XXXX XXXX and said if I didn't cash it and follow instructions the men that it come from was coming after me, and i said no worries I'm sending it back to XXXX XXXX. I carried all this information to the police station and filed a fraud report. Then I took it to navy federal bank in XXXX NC, and they verified that it was a fake check and that the checks that were sent to me by ups were in fact not their checks. In XXXX XXXX I got two letters in the mail from XXXX XXXX and the letters said that I owed them {$51.00} and it was past due. So I called them and spoke to the manager who name was XXXX and I told her my phone was hacked and I had been defrauded and scammed and that I hadn't ordered any checks. She waived the fees and put a block on my name so they cant order anymore and she said they used a credit card and it went through for the purchase but didn't clear so that's why they came after me. N They took {$6600.00} out of my navy federal account using XXXX XXXX and neither one of the companies want to refund my money. Both have the same reason for not giving my money back. Navy Federal said because I used the app before I was scammed then they weren't paying my money back. I was still able to use my phone it was just glitching and the screens were moving by themselves and doing crazy stuff. on XXXX when money was taken I was at the airport in XXXX Texas boarding the plane or on the plane, on XXXX, I was outside doing yard work and my phone was inside my house charging and the XX/XX/XXXX my wife sent me {$500.00} because she left her wallet home and we were at XXXX shopping and I didn't even have my phone with me then to see if she actually sent the money back. Navy Federal Not one time called or texted and asked were i aware of these large charges coming out of my account, so they should be held responsible. I have my lawyer involved also XXXX XXXX XXXX XXXX XXXX XXXX, attorney XXXX is looking at all the evidence that I gave Navy federal to prove that I was scammed and to get my money back and they disregarded it. Then this morning the lady XXXX said they have in my file if I get an attorney to not speak to me to tell me to contact them by mail or fax. can you please help, this was my XXXX back payment money and I waited 5 and 1/2 years for this and have had numerous XXXX for someone to come and just take it then my bank not even protect it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Fraudulent accounts * Navy federal cr union {$6700.00} XXXX XXXX * Navy federal cr union {$14000.00} XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2021-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX XXXX XXXX 2021- XXXX XXXX XXXX XXXX- XXXX XXXX MERCHANT USED BY NAVY FEDERAL IS CONDUCTING CONSUMER BASED FRAUD PYRAMID SCHEME. REFUSAL TO REFUND MONEY BASED ON CONSUMER AND MERCHANT BASED FRAUD. XXXX XXXX XXXX WAS PRESENT DURING THE WALKTHROUGH OF THE FACILITY. PERSON IS KNOWN FOR FRAUDULENT BUSINESS PRACTICES. REFUND BY DISPUTING CHARGES HAS BEEN INITIATED OVER 9 DAYS AGO. NAVY FEDERAL HAS PREVIOUS BAD BUSINESS PRACTICES WITH MERCHANT SERVICES. SUBMITTAL OF COMPLAINT DURING XXXX, LED ME TO A ZERO COMPENSATION AS THE LAWSUIT AMOUNTED TO AN ASTRONOMICAL AMOUNT. ERRORS IN BANKING MERCHANT SERVICES CONTINUE, FROM UNCOVER AND LINK TO CALIFORNIA MERCHANT SCAM.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card was restricted because I was told I violated my debit card policies and procedures. When asked in what way nobody was able to provide an explanation. Any claim that I filed was substantiated and proven. I am being targeted and economically harassed. I asked that my concern be reexamine and left a message for a manager to call me back for the sixth time. NFCU is one of the largest credit unions in the country and they are abusing that power by not providing ANY recourse.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I went to deposit money that I had withdrawn from my account approximately 8 days earlier.I added an additional XXXX 5hat Was in my purse. I did not put it in envelope.I never even took the money out of the envelope that the bank gave me. I went to deposit {$8200.00} into the ATM. I did not see the sign that said XXXX bills at a time so I deposited the whole I'm a stack of money. It returned it all back to me Is minus {$2000.00} which is XXXX XXXX bills. I immediately called the bank and told them I did Not want to leave the ATM in case it gave my money to someone else. He instructed me that that I need ed to file a dispute with bank. I did so. I was called by XXXX XXXX the district manager and he told me I was not upset enough on video and that I could file all the disputes I wanted and he was going to keep rejecting them. This was my life 's savings. All I want is my money the atm stole. I also reported to the XXXX and again they referred me to the same DM. This is absolutely covered in the banks statement that they garuntee to cover issues with checking, debit cards and etc. This is not right, its unfair and I am out of resources to fight a XXXX dollar company. Please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX I was forced to sign a promissory note that required I pay a reduced debt of {$26000.00} at XXXX month no interest so that a short sale on my property could be completed and my XXXX clearance as a XXXX XXXX in XXXX XXXX XXXX , would not be in jeopardy. The property sold for {$280000.00} but the original purchase price in XX/XX/XXXX was {$400000.00}. I had a XXXX XXXX arm loan originally with XXXX good until XXXX but soon after the loan was transferred to XXXX XXXX XXXX during the financial crisis. In XXXX I refinanced the smaller part of the loan ( XXXX ) with XXXX XXXX to keep the interest rate stable. ( It previously a HELOC with XXXX ) Unfortunately, the market bubble broke in XXXX and the Value of my property plummeted. I made a request in XXXX to XXXX XXXX to reduce my obligation in XXXX but I was informed that I must continue to pay this debt monthly and if I were to default I would be held responsible for {$73000.00}. I have been paying on time since the XX/XX/XXXX. This practice of denying Short-sales and requiring customers to sign promissory notes was banned after XXXX. I have email and letter communications from XXXX XXXX XXXX XXXX, XXXX XXXX, that state he would not alter the amount owed on my credit report to reflect this lesser amount owed. My other complaint is that XXXX XXXX received Bailout Monies in XXXX XXXX and XXXX which never had to be repaid according to XXXX. The soldiers and sailors relief act would not protect me as I was commissioned in XXXX XXXX XXXX at the time. I feel that the timing of my situation made me fall into a, predatory gap which allowed XXXX XXXX to take advantage of me. I hope that you can assist.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of violent crime. I am not responsible for this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A