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: I need cfpb to pay attention and stop banks credit cards from rip off consumers The issues is from last XXXX of 2020 I purchased clothing and did not received so I called the merchant they didnt werent to do anything about it So I called navy federaXXXX and filed a dispute After waisting tune of hours being on hold and explain They only gave me partial credit why??? Now they are accusing me of fraud They want me to go to postal office and find the package Then they want me to show proof of the item I didnt receive They taking the merchant over me Merchant said its been delivered It didnt delivered to me Federal navy is 1-wrongly accuse me of fraud 2- discrimination 3- try to scare and intimidate me What permits them to ask me such stupid request To go to postal office and find the package Are they XXXX out of their mind they are so cowered and XXXX Postal office do not keep their tracking after its been delivered Navy federal acted and left a discriminatory note on my account not to resolve my issues Thats why they are sending me off goose chase Taking the merchant over me Want me to go to post office and look for the package
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92656
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/2021 I noticed suspicions activity with my account checking XXXX. I contacted NAvy Federal Credit union compromised accounts. After reviewing my accounts they agreed with me and stated a skimming device was being used on my account. They advised me to : Close my accounts and open another ASAP. Change user I D, passwords and PIN numbers. Change out the debit or any cards related to the affected accounts. They informed me of any deposits would be automatically transferred to my new accounts. I did exactly what I was advised to do. I trusted the banking personnel. Appropriate one week late I began to receive my replacement ATM cards in the mail. These card would not activate online. I contacted the NFCU customer service for assistance in activating my new debit cards. They informed me, I had been suspended from using my debit card for 1 year, because I had not conducted myself as a member of their credit union, as per their guidelines and statues, on the XX/XX/XXXXXXXX XXXX XXXX therefore my privileges to use ; My debit card Mobile banking XXXX XXXX funds Deposit History ATM usage Loans services Bill payments The only thing I could do if I need access to my funds, was to drive 150 miles to the bank and show my ID. This was crazy my account was now over drawn by - $ XXXX I had no access to anything and on the XXXX XXXX of XX/XX/2021 the only thing that happened was a check for {$3.00} was deposited in my account. I tried to contact the security department of NFCU to find out what was going on, they would not talk to me. I opened another account at XXXX XXXX XXXX As I was transferring my XXXX and personal information to XXXX XXXX someone from NFCU security contacted XXXX and talked with them. XXXX froze my accounts and would not release the funds I had with them. XXXX closed my accounts and mailed my deposits to me after a month of investigation and found nothing criminal or wrong. They had already frozen and closed my accounts because of what NFCU had told them. I drove 3 times to NFCU for a total of 500 plus miles in order to get funds from my account. I currently have been diagnosed with XXXX XXXX XXXX XXXX and XXXX, along with a very bleak diagnosis. I work so very hard to restore my overdrawn account back to a positive status. The check cashed against my account for {$1200.00} had cleared the back but was not credited to my account. My direct deposit was transferred from my closed checking account to my newly opened account in order to fund the account and take it out of a overdrawn position, they credited my account for the fraud from another state. Finally thing are getting back on track for me. Except why was I still being punished for contacting the bank because someone used a slimmer device on my accounts and taken what did not.belong to them. I pulled all my statements and reviewed all activity. Someone had removed XX/XX/XXXX and XXXX from all my statements and records of transactions at NFCU. Finally NFCU restores my ability to have mobile deposit on XX/XX/XXXX th XXXX. In XXXX XX/XX/2021 I send two separate messages in writing to NFCU asking where is my stimulus payments of {$1400.00} and {$1400.00} total {$2800.00}. I get no reply, I call NFCU and am told all members have received their stimulus payments and after checking all my accounts open and closed that I would have to contact the IRS because NFCU did not have a stimulus payment for me. XXXX XX/XX/2021 I receive a message from NFCU informing me they have returned my stimulus payment back to the IRS because of a closed or ineligible account to receive the deposit. They went on to inform me, in the future if they could not identify whom the deposit belonged to they would not be able to transfer it into the new account and would return the direct deposit back to the payor. This is so wrong they know I opened new accounts, they can transfer my direct deposit on XXXX XX/XX/2021 to my new account in order to relax the overdraft, but return my stimulus payment and threatened to return future direct deposits back to the payor. Obviously I have angered someone in the security department and they are manipulating their authority at the financial institution. We do not have anyone to turn to to help us. We have attempted to contact NFCU over a dozen times to resolve this situation. They continue to tell me they can not over ride the security department and that is whom is doing all these actions against me. I have all documentation of everything I have noted, as it is true and accurate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89048
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a XXXX purchase on XX/XX/2021 online using XXXX payment services, making a downtown payment for {$61.00} using my NFCU debit card ending in # XXXX. I decided to return the product on XX/XX/XXXX back to XXXX through XXXX. NAVY FEDERAL CREDIT UNION TOOK IT UPON THEMSELVES TO POST MY CREDIT TO THE WRONG ACCOUNT AND DEBIT CARD ENDING IN # XXXX ON XX/XX/XXXX. I CALLED NFCU TUESDAY MORNING ON XX/XX/XXXX. THEY LIED REGARDING MY CREDIT SAYING XXXX POSTED MY CREDIT TO THE WRONG ACCOUNT. THAT'S INACCURATE INFORMATION BY NFCU. I RECEIVED AN EMAIL FROM XXXX ON XX/XX/XXXX SAYING THEY WILL CANCEL ALL MY REMAINING PAYMENTS AND REFUND ME MY {$61.00} GOING BACK TO MY CARD EBDING IN # XXXX. I RECEIVED AN EMAIL FROM XXXX ON MY PURCHASES AND REFUNDED. PLEASE SEE ALL ATTACHED EMAILS AND RECEIPTS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The supervisor Mrs.Bille seen two transactions that were held a date late and didn't reconcile the issue with my deposit XX/XX/XXXX and Today the XXXX I asked reasonable questions and she hung up in my face as if I haven't been an trustworthy and honest customer for more than 6 years. I will contact the BBB Because u just treat people like that in such I disgrace manner ... now I'm homeless due to this matter ..
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I had someone in my account and decided to apply for a loan in my name, and they signed the loan as me for {$3000.00} and navy Federal ended up taking money back which put me nearly {$8000.00} in debt when I told them someone had gotten into my account and applied for the loan and that it wasn't me and they're holding me responsible for paying for it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, I made a purchase from XXXX XXXX XXXX late 2020. I paid {$4500.00} for 3 pieces of equipment, that were never delivered or offered a reason as to why they weren't delivered. I purchased this equipment via using Navy Federal Credit Card to purchase cryptocurrency to send to this vendor. I filed fraudulent charges with Navy Federal Credit Union explaining what happened. I have already filed multiple police reports and a report with CFPB ( Complaint # XXXX ) in regards to XXXX XXXX XXXX XXXX. Navy Federal Credit Union determined that I am at fault since the exchange completed the transaction but the vendor did not fulfill his/her order. The vendor will not honor the purchase, return emails or anything. Yet Navy Federal REFUSES to acknowledge that this vendor is a scammer and continues to say that I now need to pay for it, even if this vendor committed vendor fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80247
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I asked about the available rate for an equity loan of {$50000.00} ( they initially offered over {$100000.00} ) ; and XXXX XXXX refused to answer. She refused to transfer me to someone who could. She hung up on me after being unprofessional.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: payment was 30 day late in XXXX XXXX have had the card for 3 years and that was the only late dealing with start of covid 19 and postal service. call them to see if they could give a one time courtesy. but was informed i had to go through credit dispute proscess
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy Federal has made it impossible to access my money but VERY easy to deposit. I had direct deposit with Navy Fed where I also have stimulus checks deposited. They locked me out of accessing my acct online and only can access by calling or going in person. However because in Texas it has been impossible to renew drivers licenses because of XXXX, I have not been able to access in person either. Now they have frozen my ability to access my money and claim it is a security risk. I have brought my birth certificate, multiple credit cards, and other IDs but they refuse to even acknowledge I am standing there. The Managers won't talk to me and constantly tell me to " go figure it out ''. Complete and total fraud on their part with NO ONE willing to help.
Company Response: Company believes complaint is the result of an isolated error
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85210
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A