Date Received: 2021-04-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: The Navy Federal Credit Union sent me all of the money in my saving and checking accounts as if to close my accounts. They sent the check in the amount of {$98.00} with no letter of explanation whatsoever. I can only assume that I am being punished for my complaint against them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
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 am a victim of identity theft. I originally learned that my personal information was used to open an account at NAVY Federal Credit Union on XX/XX/XXXX at which time I filed a dispute. I then filed a police report on XX/XX/XXXX as well as an FTC Identity Theft Report on XX/XX/XXXX. I again disputed this fraudulent account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have now filed my second FTC Identity Theft Report on XX/XX/XXXX. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Navy Federal Credit Union absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
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 have yet to receive any investigation results.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: This complaint is in regards to the refusal and/or failure of Navy Federal Credit Union to provide sufficient adverse actions disclosure as ordered by the FCRA. I have applied three times since XX/XX/XXXX. Each of those times, Navy Federal reviewed my record from XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is a company subject to the provisions of the FCRA. Since Navy Federal denied my membership application ( s ) due to information received from XXXX, they are also subject to the provisions of the law. I didnt have any knowledge of Navy Federal and XXXX until their most recent decline of my application, which was dated XX/XX/XXXX. Because of the decline ( s ), I am ineligible to apply for any of Navy Federals products or services ( i.e. deposit accounts, credit cards or loans XXXX. I obtained the following excerpt from the CFPB that explains my rights under the FCRA. ( https : XXXX ). The federal Fair Credit Reporting Act XXXX FCRA XXXX promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records XXXX. Here is a summary of your major rights under FCRA. You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information. I first applied for Navy Federal membership online on XX/XX/XXXX. I instantly received an email stating that I needed to provide them documents for proof of my physical address and also another email stating that my membership application is under review. Navy Federal also sent me a letter in the mail requesting the address documents. I uploaded to them the documents they requested. On XX/XX/XXXX, I did receive an email from them explaining that they received my documents and my membership application is under review. After 7 days passed, I didnt receive any further information from Navy Federal. I checked with their membership department, but they were unable to disclose any information concerning the application status. I didnt know they used XXXX for this application until XX/XX/XXXX, when I received the report from XXXX Navy Federal failed to send me the adverse action notice required by law. The XXXX report states that they inquired to XXXX on XX/XX/XXXX. Thirty days passed, and I heard nothing from Navy Federal. Because I didnt know that I was declined, I applied again on XX/XX/XXXX. I immediately received an email saying that my application was under review. I didnt hear anything after that, so after a few days I called and I was told I by an agent that I will be receiving a letter in the mail. The letter never arrived. The XX/XX/XXXX XXXX report states that they made an inquiry on XX/XX/XXXX. Again, I didnt hear from them, so I decided to postpone applying for membership for a year. Then on XX/XX/XXXX, I applied for membership by phone because now Navy Federal has blocked me from applying online. The phone agent took my information. I verified my mailing address ( which is a XXXX XXXX XXXX with the agent. After he submitted my information, the agent advised me that my application is pending. Then, just like the applications from XXXX and XXXX, I received an instant email wanting me to send the address documents again. This time, I decided to gather all my documents and visit the nearest Navy Federal branch which is 35 miles from my home. On XX/XX/XXXX I drove to the XXXX California branch. The agent accessed my application, but she needed to call a manager. After speaking with her manager, she showed me her computer screen stating that I was denied membership due to information they received from XXXX. On XX/XX/XXXX, I received an electronic report from XXXX XXXXhowing the inquiries for each of my three prior application tries. As of today, XX/XX/XXXX, I havent received an adverse action letter for any of the applications. They have my mailing address because I received mail from them regarding my XXXX application. In addition, I verified my mailing address to the phone agent on XX/XX/XXXX during the third application. I certainly would not have wasted my time, effort, and gasoline to travel the 70 miles roundtrip drive from XXXX, CA to XXXX, CA if they had followed the law and sent me the letter. Is it possible that it is their policy not to send those letters because it just isnt worth their time to communicate with applicants who have a XXXX record? It most certainly looks that way.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I HAVE A CHECKING ACCOUNTS WITH NAVY FEDERAL CREDIT UNION FOR OVER 3 - 4 YEARS. ON XX/XX/2021. I TRIED TO USE MY ATM CARD AND IT DID NOT GO THROUGH. I REACHED OUT TO THE BANK RIGHT AWAY BECAUSE I WAS HAVING A BALANCE OF {$1600.00}. THEY TOLD ME THAT THEY HAVE BLOCKED MY ACCOUNT DUE TO A FRUD THEY HAVE NOTICED ON IT, AND SHOULD HAVE TO WAIT FOR A COUPLE OF DAYS FOR THEIR INVESTIGATION BEFORE I COULD WITHDRAW OR DEPOSIT. I WAITED FOR XXXX WEEKS AND CONTACT THEM AGAIN FOR I WAS GETTING READY TO TRAVEL TO XXXX HAVE ISSUED SOME CHECKS FOR MY CAR NOTE AND ALSO SOME OTHER BILLS. ALL WAS IN VAIN AND HAVE TO PAY A LATE PAYMENTS AND ALSO ADITIONAL FEES ON ALL THE RETURN CHECKS. SINCE THEN, ALL THE ATEMPTS I HAVE MADE HAVE PRODUCE NOTHING. LATER I CALLED THEM AND THEY TOLD ME THAT WHAT THEY HAVE DONE ON THE ACCOUNT WAS PERMENANT, MEANING I CAN NOT GET MY MONEY OR DEPOSIT ANY MONEY INTO THE ACCOUNT, AND ALSO THREATINING ME TO PAY AN AMOUNT OF {$1500.00} TO THE BANK IN ADDITION TO MY OWN MONEY DEPOSITED IN MY ACCOUNT. THIS HAVE PUT ME INTO FINANCIAL DISTRESS BECAUSE OF THE PENDAMIC AND NEEDED HELP TO RESOLVE IT FOR ME TO GET MY MONEY AND IF POSSIBLE A REWARD TOWARDS THE EXTRA EXPENSES THAT HAS BEEN MADE TOWARDS THE RETURNED CHECKS AND THE LATE PAYMENTS. I CAN BE REACHED ON XXXX OR XXXX. THANK YOU.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22309
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: This account of {$1000.00} has been closed as of XX/XX/2012 recorded as paid in full. I have requested multiple times of a removal from my credit report due to it being closed and not reported since it has been 8 years and 8 months and it still shows closed, paid in full on my account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: It has been since XXXX XXXX since this account has began. Navy federal is just now closing this account on which is does not belong to me. It was reported as closed on XXXX XXXX. It had been charged off due to non payments. I have received multiple complaints, multiple phone calls and threats to continue to harm my credit report if I do not comply. This is not my account. I am requesting this account be removed due to old account of over 8 years
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I transferred two fees on my loan a year ago. I paid extra each month to target that balance by XXXX extra each month. I noticed a balance transfer fee on my invoice and contacted the company to find out why I was being assessed am Interest fee and a balance transfer fee. I was told that the promotion had needed and I still owed almost the entire transfer that I did when I opened my credit card!! I explained to XXXX that cant be possible when I have never paid the monthly payment I always paid more. Like XXXX more each month. She told me the extra money each month goes to The interest on the current balance. I told her how is that fair to the customer and how the heck do I pay the balance transfer off if I as the consumer can not pay down the balance nor can I see the breakdown when I make a payment!!! She was rude did not want to understand how their practices are misleading to the consumer and not fair!! I asked to speak with her Supervisor, which she transferred the call to XXXX who was more pleasant and agreed to waive the fees that were assessed. I am writing to you to investigate this institutions process to ensure consumers and not mislead and taking advantage of!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent this company a police report and they are still reporting this fraudulent account on my credit report that doesnt belong to me. This needs to be deleted from my credit. Please show validation of debt, and show proof of contract, who was there to witness this contract being signed? This account is not valid and identity theft. This is defamation of character. I will pursue charges of {$150000.00} for defamation of character and negligence.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XXXX XXXX DOB : XXXX Account number : XXXX Last 4 of SS number : XXXX Todays date : XXXX I hope all is well ... The reason why Im writing this is for the two {$60.00} dollar fees that are on my account equaling to {$120.00}. I just want to state I do appreciate the benefits of having over draft protection thank you very much. Im asking can I get these fees back please? Half those fees that you have already gave back to me were not no fault of mines twice your ATM was not working and I was not able to deposit any money in to them and they were both on a weekend ( Its only two XXXX XXXX here in XXXX, NC they both are far from my address and one is even further ) so to me that is an bank error or fault not mines so those fees that were given back to me for that should not count against me at all by right. Iam XXXX and these fees are because of the pandemic the ones I caused due to my XXXX payments have been delayed when the virus started until now. But I promise this will be the very last time I get fees you have my word I did not do this on purpose at all the man at XXXX stated I was going to get this certain amount of money deposited in my account and it did not happen the day he stated it should be in there due to the pandemic delays I shouldnt even of got these recent fees because if I would got when he stated I would these will not had occurred. I will be getting it any day now and he promised and gave me his word and I will continue to get money every month plus my back pay. I really do apologize but I dont have that {$120.00} extra for fees I just had a newborn 3 weeks ago and I have a son. I try to explained this to 3 of your supervisor but they really didnt allow me to or really answer my questions or listen and they were extremely rude to me I would like to address that as well. One of them hung up on me. They were not even listening to what I had to say they just kept talking to me as I was a no body and my voice didnt matter they had no empathy its like they were just working and given generic responses like these fees were done on purpose this pandemic has really messed me up as well as others some ppl should have a heart I know its a job but dont be so condescending like Im nothing. Im very intelligent and I strive to do the right thing and keep my word thats one of the reasons why my credit is in the XXXX and Im so successful in certain things through out my life. I normally dont have fees ever this pandemic was the first time I ever had fees my whole life and Im about to be 35 next month. They caused me anxiety your supervisor did to the point when I got off the phone with the last one I felt extremely sick so at that point it wasnt even about the fees anymore it was about the customer service. I didnt deserve to be speak to that way or hung up on. Im speaking for myself or anyone else that has an issue with something at XXXX XXXX and needs a supervisor this needs to change not right at all. I shouldnt have pain and suffering from speaking to them on XXXX. I was literally in tears and had to take my anxiety medicine just by the way I was treated its deeper then the fees at this point. Before I became XXXX I worked at several call centers and I didnt ever treat anyone like that I pride myself in helping the customer and making it better I was always the top performer in my customer service, 42 in the nation in my customer service and even a SME for training class at XXXX XXXX XXXX. I have even worked for XXXX XXXX XXXX. Im really still hurt by the way I was treated it is truly bothering me especially since Im XXXX and anxiety is one of my XXXX and certain things like this trigger it and make other things occur reguarding my health as well that Im not going in to. Im speaking up for me and anyone else this has been done to. Can you please give my fees back and please address this issues with your customer service with your supervisors because this truly isnt right at all especially if some of these fees were not my fault but they were treating me as it they were I felt they were extremely rude to me. I appreciate banking with XXXX XXXX and the overdraft protection I just want yall to listen, have more understanding with empathy and treat everyone good with your customer service thats all. I promise you that you have my word I will not have any more fees, again I apologize they werent my fault it was the atm and the pandemic. Thank you for your time. Have a wonderful day and please be safe. XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A