Date Received: 2021-03-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I opened a checking account with NFCU and had my SSI deposited into my new account. First of all a credit card or two were opened under my name fraudulent. My caregiver at the time who was handling my affairs. After finding that checks and charges were made to DDA and Credit Cards fraudulent. I advised Navy of the Fraudulent DDA and Credit Cards opened and abused under my name and they suspended my accounts and also charged me back for unauthorized transactions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2021 at around XXXX I called customer service to help me with a charge but instead of helping me they were so rude and made me so sad and angry that my XXXX XXXX right now is so high that I have to make a XXXX appointment now. I spoke to XXXX and she was so rude and treated me so bad. She was being XXXX because of my accent and not so fluent XXXX. There was pause in between because she was so rude. I asked for manager and she transferred me to XXXX. I explained XXXX about what happened and started telling me that she is right. I wanted to explain further but he started yelling at me saying do not cut me off while I am talking and listen to me. That is so rude and unacceptable behavior. I want justice.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/XXXX around XXXX pm I pulled up to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa. The machine gave me a receipt and never gave me my card back. I discarded the receipt because I thought it would post to my account. Two days later my money never posted to my account. Over the phone I was told be a specialist that she can see my money in visa and its going to take a little longer to get to me, she said call back the next day and they will credit my account ... needless to say this didnt happen. I went to XXXX XXXX XXXX XXXX they told me to call my bank navy federal credit union. I called my bank they said they would put an investigation in but never got back. When I called they told me I would have to call XXXX XXXX XXXX XXXX to ask them if they had an overage. Whats the investigation for if I HAVE TO HELP INVESTIGATE!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I believe while trying to start a new mortgage, a loan officer at Navy Federal Credit Union discriminated against me and treated me unfairly. In early XX/XX/2021, the loan officer gave me incomplete information about my options and at one point encouraged me to not follow through with the mortgage. At one point she increased our pre-approved amount to much more than we could afford. Through social media I later learned the loan officer had posted pro-Trump and alt-right material. I believe I jokingly made an anti-Trump comment over the phone during the beginning stages ( unknowing of the loan officer 's political beliefs ), which was the reason for the discrimination. In the end I went with a different lender and brought the loan officer 's behavior to the attention of her supervisor on XX/XX/2021. I do not know if any disciplinary action was taken.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: NAVY FEDERAL XXXX XXXX XXXX XX/XX/15 appears on my credit as a negative item. Back at the time this account was opened, I do not recall ever being late and somehow I was pushed into paying the balance. It was paid and never was taken off of my credit or updated with positive status. This negative reporting is hurting my score and I know I wasn't late or owed .... Please have them remove this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92530
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have two debts with this company. A car loan, which I'm 93 % paid off on and owe a remaining balance of {$1200.00}. The second loan, is a loan for a credit card that has a balance of {$5800.00} used. Now the statute of limitations, due to the 'date of delinquency ' has expired, and I'm pretty sure it has been over 8 years since this debt was made and the date of delinquency was first activated. I called the company to gain clarification of debt, and I did agree to pay off the car loan debt eventually. I was questioned about the credit card loan, in which a 30 % offer was given but I never agreed to any offer. My exact response was that I needed to run it by my girlfriend and if we agreed on it, they would hear a response in 24 hours. 13 days passed by and I filed a dispute through credit karma, and the remarks given back to XXXX XXXX, from the bank, was there was an agreement between both parties, which is a lie. I called and asked for evidence of me admitting to this or any validation, and they couldn't provide. Instead I was given the run-around, and sent to multiple voicemails.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78240
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
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: Did not receive any merchandise, received an email ( see attached ) stated : There was not enough supporting documentation or evidence to move forward in the dispute process. As of the date of this notification, we closed your claim. Called customer service, claiming once the claim is closed, then it is closed, there isn't any way to re-open it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I booked a group vacation with The XXXX XXXX XXXX on XX/XX/XXXX, and I was due to travel to XXXX with them on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX postponed my trip due to Covid- 19 travel restrictions. As you can see from the email, they offered me a refund credit note which was due to expire on XX/XX/XXXX. If I didnt use the voucher during this time-frame I would have been able to claim a full refund. *Please see the attached emails clearly showing that my trip was postponed I made the following payments using my NAVY Federal Credit Union ( NFCU ) Debit card, ending XXXX XX/XX/XXXX : {$240.00} XX/XX/XXXX : {$2900.00} Please note : The second payment of {$2900.00} was made from my NFCU Debit card via XXXX XXXX The XXXX XXXX XXXX had a commercial entity agreement with XXXX so my normal card rights apply. *Please see the attached XXXX XXXX receipts of payment with the confirmed date of trip XXXX XXXX went bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the service that I paid for. *Please see the attached email sent to me by the insolvency practitioners, XXXX on XX/XX/XXXX, informing me of the administration. Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. I opened up a dispute with NFCU using the Visa chargeback code : 13.1 Merchandise services not received. Visa claim that a dispute must be processed no later than either : 120 calendar days from the Transaction Processing Date 120 calendar days from the last date that the Cardholder expected to receive the merchandise or services ( Not to exceed 540 calendar days from the Transaction Processing Date ). The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. In my case this date should be the expiration of my refund credit note which is XX/XX/XXXX. Alternatively, they may use the date I found out that I would not receive the trip ( XX/XX/XXXX ). *see attached refund credit note expiring on XX/XX/XXXX NFCU initially opened the case and refunded me the full amount but XXXX XXXX merchant acquirer XXXX appealed my dispute on the basis that I may have been told that I was protected by XXXX XXXX financial failure insurance. My bank took the money back from me without giving me an opportunity to show them that XXXX was wrong I am not covered by insurance. The financial failure insurance was in place for XXXX XXXX customers only. This is made very clear on the flowchart sent to me by the Insolvency practitioners XXXX. *I have attached a copy of the flowchart sent to me by XXXX XXXX please see the red box in the bottom right corner clearly showing that US customers are not protected by financial failure insurance. I have been informed by The XXXX XXXX and the administrators for the company, XXXX, that I am not financially protected in any other way. Furthermore, the insolvency practitioner XXXX has confirmed that the flow chart that was sent to all XXXX XXXX customers was agreed and approved by XXXX themselves. I have received confirmation that I am not insured by the company 's insurers XXXX / XXXX. *Please see the attached emails from XXXX and XXXX confirming that I am not insured. The company 's administrators XXXX have told me to claim from my Debit card. I would like NFCU to re-open my dispute and refund me, in accordance with the Fair Credit Billing Act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you instead of your attorney
Consumer Complaint: Approximately XXXX is in debt due to a co-signed account. I have notified navy federal to contact my lawyer due to me filing a civil suit on my behalf of the auto loan that was not in my name back in XXXX of XXXX. I will be filing a civil suit against the account holder and would like to stop receiving phone calls. XXXX will no longer let me file a dispute and I have only filed once
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I currently have a Navy Federal Credit Union VA Home loan. I applied for refinance to reduce interest rate and cash-out for home improvements. The first loan estimate they sent included {$5400.00} PMI. I emailed to have them reduce my loan to 80 % LTV. Then sent me new documents but instead of PMI they moved this to VA Funding Fee to which I am exempt. I would think this would be known since my loan is with them already and I sent them my VA XXXX letter. It just seems shady to me and I would not want other servicemembers or veterans to encounter the same problems. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NE
Zip: 68134
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A