Date Received: 2021-04-09
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 have not supplied proof under the doctrine of estoppel by silence, engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of the alleged debt, therefore any such debt, in fact exist.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33971
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hello I tried disputing Navy Federal off my XXXX report. This have been a fraudulent item reporting. It's been over 30 days and I have yet to receive any letter updates of proof that the debt belongs to me. Can you please remove this of my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Was not notified properly about these erroneous accounts that have went into collections that appeared on my credit report. XXXX XXXX XXXX XXXX - - XXXX XXXX XXXX XXXX - -
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I would like to start and say I'm XXXX XXXX XXXX XXXX XXXX. I have served my country honorably.I was getting information from a Navy Federal call center representative for paying off an auto loan. She was belittling me and being very narcissistic. I asked her to transfer me to a manager because I didn't like her attitude and she said she was disconnecting the call I had a few choice words but she had already disconnected the call before she heard them. The next day I called and got a manager on the phone and was belittled again and asked to speak to a manager over her the call was once again disconnected. Navy Federal has declined my online and branch privileges. I live in an area where Im Not able to make deposits from my account. I feel this is very unjust and unfair. I was not the one who started being rude. I clearly asked for management 2 times and was denied.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 379XX
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have made deposits to my checking and savings accounts on 2 different occasions..the ATM accepted my funds but the amount into my account was short by {$1800.00} each time fir a total of {$3600.00}. The NFCU gave provisional credit and then took it back. This has been going on since XXXX fir one transaction & XXXX for the other. I have my ATM receipts & have called gone to the bank and submitted disputes and Navy Federal Credit Union has not resolved my issues. I am still {$3600.00} short in total for the 2 deposits.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Problem when making payments
Subissue:
Consumer Complaint: On XX/XX/21 Mrs. XXXX XXXX called my personal phone and stated that she will no longer accept large deposits. However, when I asked her to send me what she stated in writing and to show me where in the policy is that it says that I can only deposit money a certain way or withdraw it a certain way she has yet to provide me with anything in writing. I personally feel targeted and discriminated against.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: XXXX issues with Navy Federal Credit Union : 1. I applied for a used vehicle loan for a motorcycle. I was told that within 30 days, the same credit report could be used for a used vehicle loan for a car instead. I am not being told that they can pull a new credit report although unlikely, and I have to agree to let them pull a new one. I can not see if they will use the old one first. They are forcing me to authorize another hard credit check when it will not be needed. 2. I asked for a copy of the report used to determine my credit score with Navy Federal CU. They are refusing to provide me the report and instead are telling me to contact XXXX for a report. I am asking for their report to determine if there are items on that report that are in conflict with XXXX, as XXXX XXXX score is significantly higher than NFCU 's score. These conversations are recording and verified recording by the manager I spoke with at XXXX on XXXX XX/XX/2021 I have been a member of this bank for XXXX years and I have never been treated so poorly and coldly in my life. I am seriously debating terminating my business with them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/2021, the IRS deposited some funds on my navy federal checking account, but navy federal only deposited {$1400.00} instead of the {$1800.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76053
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have provided proof to Navy Federal as well as XXXX that an account is being paid as agreed. It was deleted from my credit report in XXXX. Everything was fine and this month its back again reporting incorrect information. It continues to be a problem with navy federal. I have attached the latest payment Ive made to navy feds outsourced company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I bank with Navy Federal Credit Union, Ive been banking with them since XXXX. Todays date is XX/XX/XXXX. My husband has been receiving his unemployment and veterans benefits since Ive opened the account. I ended up having an outstanding balance of {$500.00} that caused my checking to close but I was on a payment plan to pay it off and Im currently negative {$150.00} now in my checking account. The security team Navy federal has, has bypassed security steps, and have released my husbands funds MORE THAN ONCE, knowing they can see that its in my husbands name and not mine, and have NEVER locked me out of my account. But my sister lost her bank account and asked if she can use mine for her direct deposits and of course I told her yes because Navy Federal has never mentioned anything about my husbands deposits being fraudulent so now that they see an incoming deposit from my sisters deposits, they take these want to be security precaution steps, LOCKS ME OUT OF MY ACCOUNT FOR 3 BUSINESS DAYS, in order to review the letter and IDs submitted by myself, my husband and my little sister. Who is waiting 3 business days for a company that has NEVER FOLLOWED THE CORRECT POLICY because they want an outstanding balance paid off on my checking account. NAVY FEDERAL CREDIT UNION IS A HORRIBLE CREDIT UNION TO BANK WITH! And an agent Specifically name XXXX in Navy federals security specialist department, refused to provide me with her manager, her name and her badge ID # to make an official complaint. She told me shes not allowed to disclose that information with me. When the IRS discloses their badge # s LOL. Navy Federal is WORSE than the IRS. Its like during their training they train them to give their beautiful clients, that bank with them, and not bank with us, THE ABSOLUTE WILDEST RUN AROUND! I would never ever ever bank with Navy federal again!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80027
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A