Date Received: 2021-05-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I reviewed my credit report and discovered this was on my report ... .I have never had this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48238
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I went to the bank because I could not get into my online account. I tried using the XXXX number but they said the date of birth was wrong that I was giving them. I went to the bank location and each time I try to reset my password I was told there was too many attempts by the app. I had to stand in line several times for almost 3 hours trying to get this straight. I tried to go online again at home because the banker told me to give it some time and it said the same thing. I attempted to go into my account again and it told me too many attempts and this was my first attempt in about a month. It said to call the XXXX number. The representative who answered my call had the audacity to say this is a males account and you sound like a woman. I asked for a supervisor and she closed the call because the automatic survey come on. I haven't had any sleep since yesterday because of death in the family and trying to get a flight out and a hotel reservation for almost 12 hours at this point. I am tired and frustrated and to add to that I feel that I have been a victim of XXXX discrimination. Who gives anyone the audacity or right to say how I'm supposed to sound and whether or not I sound to you like a male or female to them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36117
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Navy Federal is stopping me from access to my account due to and identity issue of me using a ein and not a social security number. I have been stop from doing the works of my Heavenly Father. Privacy Act of 1974 552a note ( Disclosure of Social Security Number ) ) provides that : It shall be unlawful for any Federal, State or local government agency to deny to any individual any right, benefit, or privilege provided by law because of such individual 's refusal to disclose his social security account number. Sec. 7 ( a ) ( 1 ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2020, {$4900.00} was wired to an account at Navy Federal Credit Union controlled by the wrong person, not the person intended to receive the funds. The recipient of the funds stole the identity of another person and fraudulently received the funds. Either the account was opened under the name of a person whose identity was stolen, or Navy Federal deposited funds into an account under a name different from the name to whom it was directed. When this was discovered, we contacted Navy Federal through XXXX, who sent the funds. We have not been made whole over a year later.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2021 there was an unauthorized {$1000.00} withdrawal made from my Navy Federal Checking account and transferred to an unknown account with XXXX. The credit union said that someone accessed my account using username/password and the funds were transferred to an external account. To setup transfers to external accounts the credit union required that I verify small deposits before I could transfer money out of the account. The only external account I have with the credit union is with XXXX XXXX and I had alerts set up whenever there is a transfer greater than {$100.00}, none of the alerts worked. I don't have but 2 devices that are authorized in my account and I checked both for malware and viruses with software suggested by the credit union and both came back clean. They promised me that my funds would be available pending an investigation, I was never contacted by the credit union and when I called back all they said was that the claim was denied and I would be getting a letter. I had reported this unauthorized withdrawal while it was still pending and the credit union failed to stop such funds from going out. I had no other devices that were authorized to login to my account, I reported the problem the same day it occurred, my accounts were closed and new ones were opened with the remaining funds. This was my mortgage payment that was stolen from me and I feel cheated. The credit union failed to keep their systems secured and now I've become a victim of their lapse in security. I have no access to the statement or any proof to where the money was transferred. When the old accounts were closed every evidence I could use was deleted. Almost as if to delete any proof and to deny me access to documentation about who or where my money was transferred.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33584
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-09
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Due to Covid-19, my household has faced a reduction in income. We are just getting back on track with bills and managing everything at the same time. However, in the course of the last few months we have had a few returned payments from ACH payments related to our bills that were set on AutoPay. Navy Federal Credit Union has charged us over {$600.00} in returned payment fees, many of which were for the same bill that attempted to be drafted more than once. We have reached out to Navy Federal on multiple occasions, via phone calls, in person visits and in writing, requesting that at least some of the fees be returned as goodwill in order for us to continue getting back on track during these hard times. However, Navy Federal has denied our request for the fees be returned stating our account was not eligible and replied to our letters stating they were available to answer questions regarding the fees but we haven't made progress as far as having any fees returned.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2021-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was sold services to help with establishing my business, as far as filing paper work. I sent a payment of {$730.00} via XXXX to the individual, who was soliciting their services, on XX/XX/2021. Nearly two weeks later, the individual no longer responded to any emails, deleted their XXXX page, their number was deactivated and none of the services I was sold had been completed. My XXXX account was then deactivated, I have reached out to my bank, Navy Federal Credit Union, who transfers me to XXXX Customer Service because they state their was nothing they could do. XXXX also advised me that there was nothing that could be done to reactivate my XXXX account or attempt to get my money back. I have been calling frequently to try and resolve this issue and I am told nearly every time there isn't anything they could do.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2021-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I filed a complaint on XXXX XXXX, XXXX XXXX, and XXXX XXXX and the NFCU refused to issue a provisional credit to my account when I filed a fraud claim against XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Recently had funds sent to my bank account and my bank Navy Federal Credit Unions security department has been giving me the run around for 2 weeks. While not allowing me access to my funds and not providing adequate information on how I can resolve the issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On or about : XXXX XX/XX/XXXX I contacted NFCU mortgage and explained that my husband was staying in XXXX due to his job, and because of the recent fiascos with the XXXX XXXX XXXX XXXX XXXX program, he was in default of his student loans after paying the required 10 years, under the Trump Administration and therefore I would be applying for the loan under my name only. I further explained because we have separate jobs in separate locations, we are still married and will continue to be married and XXXX would be occupying the XXXX XXXX XXXX house, while I occupy the XXXX XXXX property. Your loan agents said it would not be a problem. On XX/XX/XXXX I was approved for the loan at 2.5 % with 0 points/fees and it went to underwriting, where it sat and was ignored for months. I contacted the assigned representative, XXXX XXXX, no less than three ( 3 ) times inquiring about status, none of my emails or calls were returned. XXXX XX/XX/XXXX XXXX XXXX calls me to say that the previous loan processor, XXXX XXXX, forgot about the loan and was terminated and she would be taking over the loan processing -- 6 months past the time the loan was supposed to be approved. XXXX XXXX then requests previously load documents, and states, that she sees they were loaded but can not find them. I reloaded all of the documents, the trust, etc to the file in less than 24 hours. During this time XXXX has had a remote assignment given to him, so we rented the XXXX house out for 30-days and provided all the documentation to demonstrate that he would be returning to the house as an owner-occupied property, including the fact his job is located within 15 miles of the XXXX house at California XXXX in XXXX, CA. Still, the loan was rejected stating owner occupancy. I had explained the situation in detail when I first applied for the loan and it was deemed acceptable and now that rates have risen and 2.5 % is a great deal NFCU is using this occupancy as an excuse for their negligence. NFCU RE resolution representative got involved and made statements such as : " Unfortunately, the information provided to us again yesterday was that the current tenants are not vacating the property any time soon and we have no documentation reflecting the contrary. We also do not have any verifiable documentation that illustrates your husband currently resides at the property or will in the near future '' When in fact she could not have know this since my Property Manager for the address was never contacted. Then the NFCU representative ( XXXX ) replied with : " Thank you for allowing me to review your application further, so that I my provide you with information regarding your loan decision. Occupancy status requirements are based on a borrower 's intended use for the property. Unfortunately, your husband 's occupancy. now or in the future. would not be taken into consideration as he is not a named borrower on the loan application. You have provided information that the XXXX XXXX XXXX property is your primary residence, therefore we can not refinance XXXX XXXX XXXX as another primary residence. '' To which I replied with : XXXX, You seem to be changing the target again which indicates that NFCU is fully negligent with this loan and therefore I will be seeking damages, I fully disclosed the facts during the intake with NFCU, I repeated these facts with XXXX XXXX and yet NFCU took my loan with full disclosure that XXXX had this the main residence, and our married taxes are filed from that house it undermines your arguments. Therefore I would like to request ALL the voice recordings as a pre-discovery.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92024
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A