Date Received: 2021-01-19
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I was unemployed for 2 months due to COVID-19 and I requested an extension from Navy Federal Credit Union and although they advertise that there are options for relief, they did deny me. They close my credit card and kept adding {$29.00} late charges to my account which amount to XXXX XXXX now. I am current with my credit card now but my installment loan remains past due.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To whom it may concern, I am reaching out for the second time, in regards to fraudulent activities that transpired on XX/XX/XXXX, with my bank accounts. The first attempt for help was denied. One of the companies involved, XXXX XXXX, misunderstood the whole situation that took place that lead to the hacking of my accounts with Navy Federal Credit Union. I will explain again what happened on Friday, XX/XX/XXXX. At approximately XXXX, ( NFCU : A Transaction for {$18.00} was approved on debit card XXXX by XXXX XXXX XXXX at ay XXXXEST on XX/XX/XXXX Txt stop to opt out ). I was home sick from work resting when I received the text from Navy Federal credit Union, alerting me that a purchase was just approved at XXXX XXXX XXXX XXXX with my debit card. Clearly, I could not be shopping because I was home sick. I immediately called my financial institution, Navy Federal credit Union, to dispute the purchase. Upon speaking with the customer service rep, I explained what had just happened. The customer rep explained to me that because the purchase did not come straight through my account, and it was a third party purchase that XXXX XXXX had sent it through, I would have to contact XXXX XXXX. At that time, I looked up the XXXX XXXX official site to contact them. I called the number, a customer service rep answered the phone, and asked, how may he help me? I explained what had happened with my account and explained that there may be some unauthorized purchases on my account ( for the record when you make purchases through XXXX XXXX, your bank card is attached to your XXXX XXXX account ). XXXX, the receptionist, looked up my account and stated that yes, there looks like some fraudulent activity has been going on. He stated some purchases amounts to me and stated that at this time, we will need to secure your account and your funds and investigate what is going on. He stated that we will need to secure your money in a safe secure place, until we research the hacker, because they are still out there hacking my account. He then had me load some apps through the app store on my phone in order to protect my accounts. ( I later found out that these were remote apps that allowed him to come in and see my phone and all of my personal information. ) Navy Federal told me that, later, after I called them that night to report that I believe that identify had been stolen. After the apps were down loaded, XXXX had me open up my debit card activity that was connected to the XXXX XXXX account. At that point, he began browsing through my accounts, claiming to be searching for fraudulent activities. Sadly, all of my accounts were visual during this period of time. He then said again that the hacker is still out there " If your phone rings do not answer, or it will disrupt the flow of things and we would hate to start the process all over ''. I continued to stay on the phone with him. He then said again that " we need to protect your money ''. He then asked me if I had a money transfer accounts. I told him that I only have cash app. He said great! we can transfer your money there for the meanwhile while we get your XXXX XXXX account straight. He clicked on my XXXX XXXX, he then typed in messages to cash app, in order for XXXX XXXX to allow access to my XXXX XXXX account. In addition, He asked XXXX XXXX to change my password, the text was sent to my phone and he accepted it because he was able to operate my phone with the app that he installed. He then went back to my navy federal account and started moving money around from one account to another, then he moved the money to the cash app account, then typed in some information, and told me that it was his supervisor, and he needed to inform her on what was going on. Come to find later, he was sending the money to an account in which he cashed out all of my money from all of my accounts. XXXX was doing so much and so fast, I could not keep up. I did say to him that I am not sure why this is necessary. He said mam, if you want to save the rest of your money, in your account these steps are very necessary, we have to do this, he said he moved all of my money to the XXXX XXXX, even from the joint account that I shared with my son. At that time, my phone beeped, it was my son. XXXX said don't answer the phone, the process will be lost by that time, I became frantic. My son sent me a text and said what is going on I am trying to pay a bill and my money is disappearing out of my account as we speak? I texted him back and told him that I was compromised, and that I was on the phone with XXXX XXXX trying to straightened things out. He told me to hang up the phone, he said that I was being hacked right now. I hung up from XXXX immediately. He continued to call back time after time and again. I did not answer. I then called XXXX XXXX back to explain what I had just experienced. Unfortunately, the agent said, because this was a third party situation, I could not file a claim. They said that they do not support XXXX XXXX. The amounts taken from all of my accounts total were approximately {$2900.00}. I did file a claim file a claim with XXXX XXXX and they told me that the transfers were legitimate, and they could not help me. I am attaching some pics that may help my verification of the monies being transfers, and the impression that it was being security safe temporarily.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The bank closed my credit card during a period in which I was experiencing great financial difficulty. I had a number of issues due to an identity compromise. This was documented ( FTC Report # XXXX, XX/XX/XXXX XXXX, and again another through the XXXX XXXX in XXXX ( claim # XXXX ). At this time, I fell behind on my credit card, and at 60 days late, the bank " closed '' the card. The bank has made no effort to find a fair solution to this temporary situation. The bank continues to accrue interest on this account as if it were an active credit card. I've been paying on this account for many years and the balance does not go down by much ( maybe a couple XXXX dollars on a {$25000.00} debt ). It is negatively affecting my ability to obtain a better credit alternative ( balance transfer ) and housing ( denied applications ) because it shows on my credit report as " over the limit balance '' even though it was under the limit when the debt was charged. The bank will not help come to reasonable terms in any way without further penalizing me. My credit score is dragged down that I can not secure a lower interest loan to overcome this debt. They want to close all of my credit accounts, even those that do not have any negative history, before they offer any relief to reduce the interest ( and this would be a term limited benefit at the cost of a long term credit impact ). These actions and the ensuing harm caused to me are disproportionate to a 60 day late credit payment that occurred many years ago. I feel entrapped in this situation and the business has priced this debt such that it can never be repaid.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22102
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: I purchase a vehicle from XXXX XXXX. I am single mother with XXXX dependents and was sold a vehicle from XXXX XXXX dealership with the understanding that the car dealership was in the customer best interest. After driving the vehicle for a short period of time, the vehicle starting acting up. Then I started doing research after vehicle started messing up and found three recalls on this same vehicle which put me and my kids in danger. With this being, the contract was and should be considered unethical, which goes against the fair credit billing act. The car dealership also called my company for whom I'm employed with and started sharing confidential information concerning this vehicle. XXXX XXXX XXXX Recall Item Affected : AIR BAGS : SIDE / WINDOWDate Announced : XXXXDescription of Recall : XXXX XXXX XXXX XXXX XXXX XXXX is recalling certain model year XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX vehicles. In the affected vehicles, increased resistance in the driver and passenger seat mounted side impact air bag ( SIAB ) wiring harnesses may result in the SIAB and seat belt pretensioners not deploying in the event of a crash.Action Need To Fix It : XXXX will notify owners, and dealers will replace the affected harness connections with soldered connections, free of charge. The recall began on XX/XX/XXXX. XXXX owners may contact the owner center at XXXX, XXXX owners at XXXX, XXXX at XXXX, and XXXX owners at XXXX. XXXX 's number for this recall is XXXX. Note : Vehicles repaired as part of Customer Satisfaction Campaign XXXX and special coverage XXXX have already had the subject condition repaired and therefore are not included in the safety recall. XXXX XXXX XXXX liftgate up when open. These struts may prematurely wear and the open liftgate may suddenly fall. Action Need To Fix It : XXXX will notify owners, and dealers will update the software for the power liftgate actuator motor control unit so that the motor will prevent the rapid closing of the lift gate, free of charge. The recall began on XX/XX/XXXX. Owners may contact XXXX customer service at XXXX, XXXX customer service at XXXX, XXXX customer service at XXXX, and XXXX customer service at XXXX. XXXX 's number for this recall is XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: XXXX : Navy Federal Credit Union . I am expecting a large deposit in a specific account and I can see on my app and online the accounts were already opened. Im supposed to give permission to set them up. I am worried this hacker scam artist whatever he is set it up to get the money before I can.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96818
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have been trying to dispute this cc for some time now, this is not my CC it has a balance over XXXX. I am a victim of identity thief. I called the company as well as the Credit bureau, and nothing have been done. This account has ruined my life as well as my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX XXXX network sent me a notice of a refund being placed back in my account that may take up to 2 business cycles to complete. Knowing the issues Ive already had with Navy federal when it comes to refunds I made sure to constantly check my balance looking for that refund of {$59.00}. From XX/XX/XXXX til XX/XX/XXXX and in this time there was no credit placed in my account. So today XX/XX/XXXX I decided to check my account one more time to see where my balance was at and when I scrolled down the first thing I see is a false credit of XXXX dated XX/XX/XXXX which was a Monday Navy federal never process anything on Mondays because the bank closes for weekends. I did not get my refund and when I called the bank I was met with lies which made me very angry. This is the 3rd time this has happened in regards to getting a refund placed back into my account and I cant take it anymore its wrong and a lie nothing close to reality I want my refund.
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and 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: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/XXXX, at XXXX I was meant to be wired a repayment from a good friend. She banks at Navy Federal Credit Union, the branch was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The payment was international from XXXX to XXXX, and heading for my British account. The projected time of " funds available '' came and went, no money was received. My friend had to go back in to the branch, where it was discovered the clerk had filled in the form incorrectly, so a trace was initiated and the payment to me was promised in XXXX working days. That time also came and went. The money is missing, my friend was told her concern would be addressed in a " case by case '' decision, which is terribly unfair, and wrong. The bank lied about sending my British bank an email, also, as they don't subscribe to " XXXX '' payments, they assured her the " routing '' number, our version of a sort code, would find the missing money, which was not truthful, as only identified the branch, not a payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I was charge a {$29.00} fee for funds not being in my checking account the company does not allow time for me to transfer the funds or place the amount tht is needed for the payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A