Date Received: 2021-03-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is in response to case XXXX. Navy Federal has defaulted by not rebutting my affidavit with an affidavit however I am giving you an opportunity to cure by giving me the previous remedy requested. I have attached my initial complaint with these requests for reference.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy Federal Credit Union unethically placed a total of 6 accounts into credits only status due to a garnishment on behalf of XXXX, XXXX, XXXX XXXX XXXX, XXXX But I have not been to court for the garnishment because its not until XXXX of 2021. NFCU not only did they illegally place my accounts into credits only status but 2 of the accounts receives protected funds and I am unable to do any transactions through my debit card because NFCU turned off my debit card without my knowledge. Not only do I have bills connected to this card but I have kids to feed. They turned the card back on for 2 minutes after it was turned completely off for me to pay for a meal for myself and my kids but afterwards turned it back off over the weekend. This has been a major inconvenience for myself and my family. They've refuse to take at least 2 of the accounts out of credits only status although the accounts are receiving protected funds. I have been a loyal member with NFCU for over 11 years and I recently just found out NFCU have been commingling my funds which is part of the reason my accounts are in credits only status. I would like for my accounts to be placed back in normal status and my debit card to be turned back on. The bank states that there has been numerous fraudulent activity as well as too many lost cards on the account and does not align with their practices, but every fraudulent activity I encountered I properly reported to my bank institution and anyway they absolutely have no jurisdiction over how many fraudulent activities are processed on account because the money is insured by the federal government and Navy Federal do not get to determine if I " deserve '' a debit card or not. This was extreme and unethical on behalf of Navy Federal Credit Union.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77014
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check in the amount of {$1200.00} at an ATM on XX/XX/2021 at XXXX receipt # XXXX. The check was deposited to my checking account at Navy Federal Credit Union. I located this ATM from the Navy Federal Credit Union website, that warned of a 5 day hold for funds to become available. Navy Federal Credit Union received and began processing the funds from the check on Monday XX/XX/2021. On XX/XX/2021, the check posted, but Navy Federal Credit Union debited my checking account for the full amount intended to be deposited. On the morning of XX/XX/2021, I called Navy Federal Credit Union and waited on a 30 minute hold before speaking with a representative. The representative stated that the funds of the check were verified but the funds will not be deposited. He stated that the check was not signed on the back and that the institution will return the check to me. I explained that there was nothing in the policy requiring a check made out to the account holder to be endorsed unless the check was deposited by mail. I also explained that it was improper to take that action without disclosure and to draw on my account to fund the return check. The representative placed me on another hold and reversed the additional charge from the account and suggest I redeposit the check once I receive it. I requested a supervisor and spoke with XXXX. I explained what happened to XXXX and she responded by sitting in silence as she searched the Funds Availability Policy for about 10 minutes to find whether or not the check should have been rejected due to lack of endorsement. She stated on the recorded line that there was no policy to support the credit union 's actions and that she would request the funds be released. She placed me on hold and then disconnected the call. After about 15 minutes, she called back and stated that Navy Federal Credit Union did not reject the check, but the institution that owned the ATM rejected it on XX/XX/2021. This is false, because the funds were sent directly to Navy Federal Credit Union and received on XX/XX/2021 as stated above. She explained deposits at a Navy Federal Credit Union ATM does not require a signature and would have been available quicker. She promised a letter was sent the previous day to explain everything but she could not tell me what it was or view the letter. I explained that the other institution never had power to reject the deposit since it was done at an ATM that linked to a Navy Federal Credit Union account. As I also explained that if done at an ATM owned by Navy Federal Credit Union, I would have had access to partial funds already the call was disconnected again. This time, XXXX did not call back. After being completely disrespected and disregarded, I decided to call back later that afternoon. I waited on another 30 minute hold and spoke with supervisor XXXX who started the call in an unprofessional unenthusiastic tone of voice. I attempted to explain what happened in the first two interactions and XXXX frequently interrupted and attempted to redirect the conversation and end it prematurely. He also confirmed there was no policy to support the actions taken by the institution and began to yell at me about being unproductive and unwilling to assist further. That was offensive and abusive language for me to hear from the supervisors of the institution that was entrusted with assisting management of my checking account in a fair and lawful manner. I told XXXX that the reason no signature is needed for a check deposited at an ATM is because a debit card is required to complete the transaction which makes the debit card PIN the signature. He stated he had no knowledge of this, which is not typical for a financial institution supervisor. I asked several times to provide remedy of their error as this occurrence created a financial hardship that will persist several days if no action is taken. I requested a provisional credit of the amount that would have been made available had I deposited at a credit union owned ATM which is {$220.00}. Again, XXXX yelled that he would not provide me any remedy or any provisional credits regardless of hardship because of a check that was never required to be signed. XXXX then unprofessionally hung up on me and ended the call. I am unable to drive for work, purchase groceries, buy gas, or even pay for any expenses for myself or my family. This has put me at the mercy of Navy Federal Credit Union and the postal service and confined me to my apartment for days.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive sent in a certified notarized letter to Navy Federal. Its an important legal document Affidavit along with other legal documents attached. Navy Federal has committed several violations under the FDCPA, TILA, FCRA, and many more which theyve violated my rights as a consumer. This is not an attempt to collect a debt. 15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692d - Harassment or abuse 15 U.S. Code 1692b. Acquisition of location information 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692f. Unfair practices 15 U.S. Code 1692b. Acquisition of location information ( 4 ) not communicate by post card ( 5 ) no language or symbols on any envelope
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: From : " Ms XXXX '' XXXX To : " XXXX '' XXXX Sent : Fri, XX/XX/2021 at XXXXXXXX XXXX Subject : NFCU stimulus check scam & Complaint to CFPB/FTC.gov Navy Federal Credit Union here in XXXX XXXX XXXX Nevada has taken my stimulus payment of {$600.00} until XX/XX/2021, it was directly deposited as a credited to my account, but they actually held back my Stimulus Check of {$600.00} that prevented me from clearing my overdraft account ( the bank says was {$580.00} ) without my permission!!! Which has created a burden on my household! I am dependent on my checking account, I would not abuse the privilege and convenience of the bank product. It was supposed to be direct deposited in my XXXX account not here in the first place! I never gave them the authority to add {$580.00} of their money into my account when in fact the {$600.00} stimulus check that came in XX/XX/2021 took care of the overdraft protection of my account and I would have had a credit left of {$12.00}!!! for some reason the president of the bank or whoever is in charge of the financial kindlings of my account was mismanaged and they're overcharging me when they should not have taken my {$600.00} and replaced it with their {$580.00} to trick me to think that they were helping me I never gave them permission to give me {$580.00} to clear my account ever!!! this was their own doing when in fact I already had a credit to my account for {$600.00} for the stem from the stimulus check that came to meet and zero out the balance of my overdraft!!! so now they're saying that I not only owe them {$580.00}, but they've also mismanaged and replaced or redistributed my {$600.00}, so now they have my account overdrawn by {$1.00}, XXXX!!! I called him when it first happened and told them I did not give you guys permission to put {$580.00} into my account to my account, my Stimulas was already supposed to hit the account, and then they take and hold back my {$600.00} stimulus check so I could not pay that balance down and have a {$12.00} credit!!! Now as of today XX/XX/XXXX the 2021, they have not only added the {$580.00}, but other bank charges that created a domino effect on my account. What happened to my credit to put he {$600.00} into my account to bring the balance down back to where it should have been? ... I go into my account online as I usually do, and now when I look at the statements they have placed " dashes '' for the balance of each transaction! What!?!? A lot of the balances on the right hand side don't show anything, so it doesn't show how much I have in the account originally versus how much is the running balance on my account they have mismanaged my account and now they want me to pay not only their {$580.00} back but they also have taken my {$600.00} so it looks like I owe over {$1100.00}!! I never gave them permission for me to " opt-in '' to this burden to put {$580.00} in my account, when I got an alert from the federal government saying that it was already deposited into my account of {$600.00} they had no right to go and give me {$580.00} when in fact I already had the money sent from the federal government ACH Automatic Clearing House wire sent to my account that's supposed to be credited the same day that the federal government released and distributed the funds!!! that is totally unlawful to do that to my account, when Im aware how ACH automatic clearing House is a wires work. I worked in the mortgage industry from 30 years and when we send wire transfers to find a loan, as long as it sent before the closing date of that bank it shows up that day so they had no right to his my {$600.00} make it seem like that I was in debt for over {$580.00} and then some ... altogether it looks like that account is almost {$1200.00} over drawn due to their antics!!! I will show you with screenshots from the online banking what my balance was and how they held the {$600.00} so would not be credited to my account so they can later charge me for both debts!!! I had call customer service to tell them where is my {$600.00} because of federal government already gave me those application it was deposited in my account and I told her I did not authorize you guys to do that I did not tell you to put {$580.00} in my account when in fact I already had {$600.00} sitting there but they would not credit the account so they can go and charge me for the {$600.00} that I lost I don't know where they put that and the XXXX that they unauthorised put in my account so it looks like I owe a lot of money and I don't because that {$600.00} would have taken care of the {$580.00} due to an overdraft protection on my account!!! they have mismanaged and unlawfully went into my account and and held funds so they can go and make money off of my account. I don't appreciate their actions!! I've been in the mortgage banking in industry for over 30 years, and when we use ACH wire transfer to a banking account it goes and gets credited the same day it's an ACH Automatic Clearing House wire, it should have hit my account days before they gave supposedly gave me {$580.00} which they did not need to do, there and in addition I never gave them permission to put that money in there when I saw the federal government had already sent the wire over to credit my account but they intentionally held back that deposits and made it seem like they were doing me a favor by putting a {$580.00} in there for my overdraft when in fact my own federal stimulus check would have covered that {$580.00} so now they're trying to collect {$600.00} that disappeared out of my account, in addition to the {$580.00}. I used to be an underwriter and the senior processor for loans that does not work!!! And I know how to do math pretty darn well for over 30 years working in the mortgage industry and escrow company with large dollar transactions & insurance companies where we had to get exactly the exact amount in the accounts with a wire to find loans!!! They need to put back that {$600.00} back into that account to reduce that over draft, and credit it back to account as it was available on XX/XX/2021. If they want the {$580.00} over draft back that's fine I'll pay that but I'm not going to pay them my {$600.00} plus their {$580.00}, and all those Bank fees when I did not authorize them to do it in the first place. They totally mis-managed my account and took advantage of the fact that I use the overdraft protection so now it looks like I double dipped in it when that's not true at all!!! They strategically held back my {$600.00} stimulus check to avoid for me to have access to pay down and pay off the {$580.00} overdraft protection that was on my account. Then they lied and said they gave it to me {$580.00} as a favor when in fact I didn't need their favor, neither did I give them authorization to do any kind of act whatsoever they are lying and cheating and stealing from people 's accounts whoever does not file a complaint with the Consumer Finance Protection Bureau, aren't aware of their rights to conduct a full accounting forensic financial investigation on this credit union!!! If any other banks are also doing this to people, they should be fully investigated as well!!! I will show you my online statements vs. my PDF ... they conveniently XXXX out on my balances on my statements, and will not show the running balances on my statements since I was supposed to get that stimulus check of {$600.00} in XX/XX/2021. And at one point actually did not show the deposits. I took screenshots of it but they still went ahead and did an unauthorized {$580.00} credit to my account on the stimulus check, and took my in hid my {$600.00} somewhere so it looks like I did two withdrawals of over {$500.00} so now it's over {$1100.00} and some change that is further from the truth!!! My remedy to this is that I want the {$600.00} back into my account the balance and fees adjusted, which should have been only five hundred and eighty something dollars and some change, as it was before the running balance and then I will pay that off like I normally do it my rest of my direct deposits and then that will be it but I'm not going to pay them over {$1100.00} when I only use the overdraft protection once, not twice they won't even allow you to do use the over draft for twice the amount! And I have been made regular deposits into that account since then, so the running balance is not the approximate {$1100.00}!!! They strategically and underhandedly did that on purpose so when the other stimulus checks that is due and hits our account and comes in that's due for nearly {$1200.00}. They're trying to get the whole amount of that as well, so I'm going to call the IRS Treasury and tell them not to make that deposit in that account!!! I want to know what happened to my {$600.00} stimulus check from XX/XX/2021, in addition why wasn't accredited in time so I could clear my account and I would have a {$12.00} credit and why are they trying to charge double dip and charge me for overdraft protection for twice the amount?!?!?! In addition I make at few deposits from other accounts into this checking and savings throughout each month ...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Navy Federal Credit Union continue to send me letters and illegal tactics affecting my credit report. I have closed all my charged off accounts with Navy Federal Credit Union since 2012 and they continue to report to the credit bureau that those accounts are open. Accounts are unsecured loans that were charged off since 2012. I continue to received letters in the mail, that I paid XXXX to those account and I didnt. They are illegally keeping the accounts open.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
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. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to do a XXXX transfer from one account to the other. Navy Federal put my money on hold. Didnt call to say anything to us. When I called had me on hold 3 consecutive times for 15 minutes, l spoke to 2 different attendants I will not disclose there names here, gave a short explanation and said we have to fill a form out then submit it to get my money. I tried to view my account and I was locked out of it. So at this point I cant see my account information. Then was told by a second attendant that I have to wait 2/3 business days for my money. Which I verified and asked for the hold to be removed. At this point I am XXXX XXXX. I told her no I am not waiting 3 days for my money I need it to be released now. This unprofessional inhuman being hangs up the phone. It is distasteful and upsetting to see what you have to go through to use your own money as you please. I will not be moving forward with navy federal because if I have to go through this type of behavior when I have to spend my money its unfair, secondly I can understand protocol to follow with transactions sometimes that may be to verify for security reasons but not when I verified I still have to wait 3 business days are you kidding me, for my money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20903
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: i aquired this loan and after it i was deployed after being deployed i was unable too pay off both car loans aquired. i tried working it out with the actual bank paying but they had alerady illegaly sold my debit off too an collector too harras me while i came home from depolyment my depoyment wasXX/XX/XXXX on XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A