Date Received: 2021-01-31
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 incorrect items on my credit report.It has been well over 30 days and I havent received any investigation results.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy Federal Credit Union took all the money in my checking account and applied to a credit card I had with them. They did not ask permission and i did not permit this. The transaction was unknown until my account was declined use. There was over XXXX in my account. When they took it to XXXX. This is against the FAIR CREDIT BILLING ACT. They can not take money from someone's checking without permission. More importantly the money in my account is from the VA pension. This money can not be touched by any entity EVEN with court approval. Not even child support can be taken. I have called numerous times. i have been yelled at. Told I was wrong. That i am ignorant and a thief ( will not pay the debt off under any circumstances, until they reimburse me for property taxes I did not owe ). All of these calls have been recorded my NFCU and myself. I am a XXXX % XXXX vet. I recently lost my job. i am a single father to an XXXX child, not to mention I am also XXXX ( a reason I was XXXX retired ). I have filed numerous complaints. I have contacted news. I have sent NFCU the regulations they are breaking AND still nothing. I have reached out to my senator, mayor, congressmen, POTUS. Will continue reaching out to their uppers ( already contacted their CEO and head of the board ). They robbed me. Left me penniless and seem to not care in the slightest.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 61611
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I cashed a couple of third party checks via e-deposit at NFCU and one of the checks cleared however, the other two were returned as being duplicate checks when they were actually not at all. I was given substitute yellow checks in the mail but when I called NFCU to try and get compensated my money back they were no help and said there was nothing they could do. My account was debited for the amounts but I never received the money and now one account is closed and was overdrawn {$1500.00}.
Company Response:
State: CA
Zip: 92530
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
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 had a deferment on my auto loan from XXXX, but Navy Federal reported the account late for XXXX and XXXX. The XXXX payment was fixed, but the XXXX payment is still showing 30 days on all of the credit bureaus. I have filed a dispute with XXXX and contacted Navy Federal who both have not resolved the issue. They both keep referring the call back to the other. Today, I spent over an hour on the phone with Navy Federal being passed around from representative to representative without any resolution and finally landed in a supervisor 's voicemail because she did not want to take my call that was transferred from her subordinate. I have attempted to redispute with XXXX, but their online service is refusing to take additional information from me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: 40+ years ago, i was a member of Navy Federal Credit Union . somewhere between 30-35 years ago i filed for bankruptcy and NFCU was one of the debtors i claimed. Fast forward to 2021. I have rejoined Navy Federal Credit Union, paid my {$5.00}, sent in all documents required to rejoin. I rejoined because of their low interest rates. Two weeks ago i applied for a NFCU credit card on line and was denied. ( i have a credit score of XXXX ). Yesterday i received a letter saying i was denied because " you created a loss to Navy Federal Credit Union '' ( the amount they lost was less than {$400.00} if i recall ). I called NFCU and talked to a rep and ask why i was being denied a credit card on a 30+ year old bankruptcy. Her reply was, well you can write us a letter and appeal our decision, but i doubt that you will win. How can they hold that against me after 30+ years?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 52001
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021 I made 3 deposits into the Navy Federal Branded ATM with the first transaction being recorded at XXXX for {$2000.00}. The second transaction was recorded at XXXX for {$3800.00}. The third transaction was originally for {$1200.00}. The machine returned 3 - {$100.00} bills and then asked me to confirm a deposit of {$900.00}. The third transaction for {$900.00} was not accounted for in my account while my ATM Debit Card was inserted into the machine the entire time. I called the fraud department on XX/XX/XXXX and filed a dispute because they did not show the 3rd transaction on their end. I was told by the fraud representative that the atm was " full '' from the holiday and he advised that I should not use the atm machines for cash deposits. I submitted the dispute and was advised to go into the branch. I went into the branch the following week and spoke with XXXX, the assistant branch manager, who advised me he would check the camera footage and investigate into the matter. XXXX called me back to tell me he saw all the details on the camera footage and corroborated everything I said happened after he reviewed it. He stated he saw me perform each transaction, saw the money being returned and even made a comment about the stack of money being so small that there was no way it was {$900.00} that was returned, and that the atm count was correct so they didn't have my money accounted for. I asked to investigate the individual transactions. They will not confirm this has been done and every rep Ive spoken to does not know how to obtain the information. I was called back by a Supervisor named " XXXX, '' who is the XXXX person Ive had to speak with this far on XX/XX/XXXX. She advised me that the branch had looked into it and no money was recovered. She advised me that the branch manager, XXXX, had stated he wasn't able to see the camera footage clearly which is not what he had said to me before. I was told there was a " count out '' done on XX/XX/XXXX and Navy Fed is unable to confirm how that count was done because there is no notation on my account in regard to the process they followed to complete the investigation nor any other notation for investigating after this " count out '' was performed when I requested for this to be looked into further. I am on Navy Federal Camera footage completing three individual transactions consecutively. Two transactions are reflected on my account. Navy federal has concluded the investigation and is telling me there is no money and therefore can not deposit the money they can not find that I deposited into their branded atm at their branch location on XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33611
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I made a purchase for XXXX from curveous boutique. On XX/XX/2020 the mail carrier mis delivered my package. I went to the post office letting them know I never received the package. The post office told me to contact my bank which I did. The bank is telling me someone signed for the package a XXXX XXXX i explained I am not XXXX XXXX and I dont know who he is, later I found out it was a fill in mail carriers name. I have been disputing this since XX/XX/2020 with no resolution. I finally got a letter from the post office explaining I never received the package, after tracking it they realized it was delivered to XXXX instead of XXXX the bank told me its too late to get my money because of the lapse in time. I expressed to them that it was and ongoing investigation and that I had no control of when the post office would send a letter explaining meanwhile that XXXX made my account negative which then caused many things to be negative experiencing a XXXX additional fee. For each negative transaction I have never been able to get ahead after that. My son was murdered XX/XX/2020 and I havent been able to work my money is limited this charge has caused stress and anxiety because of the over drafts I have been behind because of that one transaction. Im Grieving and without working, money is extremely tight, because of that one transaction its made all my furture transactions become negative too Im currently out on disability ( after I lost my son ) I dont have money like that anymore it has been a struggle. Many may not be affected but XXXX has been tough to recover from. Please help, thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I was denied an increase of credit and Pursuant to 15 USC 1681a I have an open ended credit plan, open ended means that there is NO limit, considering this fact in law there is no way that I can be denied credit because there is NO limit to the credit that I, the consumer, can extended through my open ended credit plan using my credit card which is my social security card. This makes ANY inquiry an ADVERSE, HOSTILE and OPPOSED action under federal law as stated by CONGRESS.
Company Response:
State: LA
Zip: 70815
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I checked my credit on XX/XX/XXXX do too I keep on top of it monthly. I noticed I had two late pays showing for XXXX and XX/XX/XXXX. I immediately called NFCU to inquire what is going on, as I was in a covid-19 program in which protects me from getting any late dings on my credit and allows me to either continue making payments or none at all until my extension expires. I sent NFCU a full description of my concern and inquired why they hit me with two late pays while in a covid-19 protection program. I was told it had expired end of XXXX. I stated that I had re-enrolled as soon as it expired, I quickly responded that I had called back the first of XXXX and had it renewed and was told, my 2 accounts would be placed back into the program as before. No problem, same procedure as my first enrollment. Fast forward, I receive a call mid XXXX from a NFCU rep inquiring about my payment and stated that I was in the Covid-19 protection program, the rep told me that it had expired, I was like NO WAY, I re-enrolled as soon as the first one expired as I was having some financial issues due to job loss etc and trying to make payments when possible. I explained to the rep the conversation I had as soon as the 1st extension was granted, he assured me all would be ok and he would go ahead and re-enroll me. I was freaking out and asked had NFCUs negligence of noting my account caused me to get a late charge on my credit. He said no. I said well I am attempting to make payments as I can and he did inform me that the payment for XXXX which I tried to make on XX/XX/XXXX had returned. I said yes I knew that but still wanted to try and make payments even while in this program. To that he stated the following. Hello, Mr. XXXX. We did not receive a response from the eMessage, confirmation number # XXXX ; therefore, no payment extension was submitted for your XXXX payment. The last extension provided for your New Vehicle loan was on XX/XX/XXXX changing your due date from XX/XX/XXXX to XX/XX/XXXX. Additionally, our records indicate your payment of {$1000.00} for your New Vehicle loan returned on XX/XX/XXXX bringing your account multiple payments past due. After much discussion and telling him that I called in and spoke to a representative about my next extension as I did not go through the email system. I wanted to talk with a live agent, so I held the line for over an hour to do so. He told me in fact not to worry he would ensure all was noted properly and ensured me that He would re-enroll my accounts. Fast forward, i checked my credit on Friday as stated above and to no avail there is the two late charges and I started communicating with NFCU regarding such and they BLAME me for not contacting them when in fact they ABSOLUTELY did NOT note my account as they stated as I WAS STILL struggling and had every account I own under protection during this pandemic. Even To think that this is ok and acceptable because they failed knowing the crisis we are in not just as an individual but as the entire world and NFCU has the audacity to blame me. I challenged them to pull my credit and see that this 1 account is the ONLY account in all of my credit file showing late. When I have done and did ALL I could possibly do during this pandemic to make sure all of my accounts were protected and I would NOT be hit with late fees as we worked our way through this crisis. NFCU failed to note my account and re-enroll me back into the program and has failed epically on taking responsibility for their lack of taking care of their clients! I asked them to retract their late marks on my credit file and show that I am current on this one account due to I was told I was re-enrolled back into the covid program.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/2021 I applied for an auto loan with NFCU. On XX/XX/2021 I received a call requesting that I lift a credit freeze on my credit bureau ( XXXX XXXX ). I lifted the freeze at there request, as was declined for the auto loan. I followed there appeals process after speaking with a supervisor XXXX. I was informed that a second credit bureau pull would NOT be required. XXXX transferred me to a specialist who read me a disclosure indicating that an additional credit bureau report may be pulled. I let them know and it was documented on my appeal that I did not want a second credit bureau report pulled. This information was documents on the appeal and the member service rep that I spoke to could see it clearly on the request. NFCU did pull a second credit bureau ( XXXX ). This was not authorized and I would like it removed immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A