Date Received: 2020-12-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I'm unsure as to what this account is about. There's also a report date of XX/XX/20 on my report that is incorrect and false. Please do not respond with an automated message.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70360
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: -Deposited XXXX $ @ XXXX outside atm on XXXX -ATM began deposit process but did not credit funds to account due to system error. ( EVENTS DURING TRANSACTION : INSERTED CARD, ENTERED PIN, SELECTED DEPOSIT OPTION, SELECTED DEPOSIT CASH, DEPOSITED CASH, MACHINE BEGAN COUNTING INSERTED FUNDS & DISPLAYED ITEMS BEING PROCESSED MESSAGE FOR APROX. 5-7MINS, MACHINE MECHANISM ENDED COUNTING AUDIBLY, DID NOT PRODUCE RECIEPT, ENDED CYCLE, REDISPLAY WELCOME & SCREEN TO BEGIN A NEW TRANSACTION ) -upon arrive to my home, I Immediately contacted NFCU and informed them about the deposit. -was told a dispute was created, and that I would receive a provisional credit within 10 days if the dispute was not completed. -I attempted and was not unable to be retrieve a copy of the dispute nor any documentation on this investigation. -recieved credit on XX/XX/2020. -nfcu began was reversal of provisional credit on XX/XX/2020 although my funds are insured under agreement with bank. -account now in negative status.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed money was out of my account and quickly called my credit union 2-3 months ago. I realized some people took money from my account using XXXX XXXX, requested my debit card limit to be increased and applied for a loan in my name. I didn't get any notification or letter that these changes happened.They gave me steps on how to freeze my credit and stated that they would put in an application to the loan department saying I was a victim of fraud and request that I dont have to pay for the balance. They said I will get a call when the process is completed. Today, I received a letter stating the balance is pass due and that they are taking {$640.00} out of my savings/checking account. I called the loan department using the number the paper. The representative told me that the bank never contacted them, but they see the documents in the system stating I did report fraud. They called the bank and said that the application was denied because I could have gave somebody my information and had them call to set up a loan. I am an emotional wreck. When this first happened I was about to move out my sister house, but I couldnt becuase I didnt have the money for the deposit of the apartment. I just moved in with a roommate two weeks ago, becuase I thought everything was going fine. To hear that my case wasn't even looked for months and then denied after I did a followup is crushing. I need help, they want me to pay {$7000.00}. I dont have that type of money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I have banked with Navy Federal since XXXX. I still bank with them actually today in XXXX. I recently applied for two refinancing car loans. I received a email and text confirmation that navy Federal approved one of the car loan. The following day they called me from the charge off department stating that I had a charge off so they couldn't approve the car loan. I asked them when and how much was the charge off. They stated that it was from XXXX and the amount was {$1200.00} or something rather. I told them that I've never been notified about this account and that my information has always been up to date. They stated that they sent out a notification XX/XX/XXXX and that was the last time they sent something. So from XX/XX/XXXX until XX/XX/XXXX I was never notified by anyone from the financial institution that there was ever a charge off on my account. I was still getting bank statements for this " charge off '' account in XXXX with a positive balance. They stated they dont keep anything past 7 years. They stated if I set up automatic payments then they will lift the charge off so the loan can go through. I did so. They transfered me to the loan department and they said they can't do anything about it that it was the charge off department. So now I've been on the phone for 4 hours getting transferred from the loan department and the charge off department. And no one is on the same page as the other. I spoke with 4 employees and 3 supervisors and no one was of any help. Here is the kicker. From XXXX to now I have financed and refinanced 5 cars, 2 personal loans, and 2 credit cards. Which were all approved! Not to mention they approved my loan to the other car the day before! They told me that the charge has always been there and no one should have approved any of my loans. I nor my spouse was told anything when we applied. We still have 4 car loans, 2 personal loans, 2 credit cards, 3 saving accounts, and 2 checking accounts from navy Federal. If navy Federal can not tell me where and when this charge off happen besides how it just miraculously popped up, im not going to shell out {$1200.00} for an error that navy Federal fail to do. It is not on my credit report and they stated it is not going to be because it was not a loan but I have had a charge off checking account with another bank years and years ago ( XXXX ) and that was on my credit report. Navy Federal employees and supervisors can not give me a direct answer besides I need to pay it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was on vacation in California, when I was robbed by XXXX XXXX. He is a XXXX XXXX in California. He demanded my cell phone, wallet, debit/credit cards, and PIN numbers, and my XXXX rental car ( XXXX XXXX ). This occurred in XXXX, CA on XX/XX/2020. I attempted to contact Navy Federal to close my card, but without a cell phone, hotel long distance, and without knowing my NFCU Access Number, I was unable to get in contact with anyone until several days later. I filed a police report which detailed the auto theft ( separate case number ) and the theft of my wallet, phone, cards, etc. I provided that information to NFCU as soon as possible. I was told that my claim was assigned to a claim 's examiner and would be processed as soon as possible. I then received a letter telling me that " No error occurred '' and after reviewing my claim for just one or two days, I was told that the decision was final. I attempted to appeal the decision under Regulation E, but was told that my claim was closed and no further changes could be made. Mr. XXXX not only accessed my debit card, but also my government ID badge, SSN, Passport Card, and other private information. I have filed a request with the SS Admin to get a new SS Number and I had to change my phone number because Mr. XXXX was attempting to access other financial information and my credit report and I use 2FA for most of my apps. The XXXX, CA PD recovered my car, wallet, and phone the Tuesday after it was stolen, but by this point, over {$3800.00} in funds had been stolen and used. XXXX PD said that he was seen on camera withdrawing my funds at a " XXXX XXXX XXXX '' ATM in downtown XXXX in the middle of the night. I presented these facts to NFCU, but my claim was still denied.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I applied for a SBA loan and was granted {$31000.00}. I had it sent to my checking account in my name, since I do XXXX as a XXXX XXXX. The credit union started acting very suspicious after I asked about removing the money for XXXX reasons. I was asked for all types of documentation and I supplied everything asked of me. They would not release the money. They were not properly instructed on how the loans worked and who was entitled to receive them. They eventually said they would sent me the money in a cashiers check, but in reality sent it back to the SBA. My XXXX has been suffering because of these situation. They closed all my accounts and shut me out totally.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I received a letter from XXXX regarding fraudulent activity involving Navy Federal Credit Union ( NFCU ) that was deleted from my account. On XX/XX/2020 I looked at my credit report online and found erroneous information ( phone number and current employer ) that appeared to be related to the recent fraudulent activity. I then called XXXX to have it corrected and was told to contact NFCU regarding access to any other documentation that may help inform me as to the extent of the fraud and/or provide additional information for an investigation. I next called NFCU to obtain copies of the application and any other related account documents. I was eventually transferred to XXXX in Security Operations who informed me that they could not provide that information to me unless I had a subpoena. I asked several times if there were a way to prove my identity or provide a police report, and also mentioned victim rights of identity theft under FCRA, but was still told I could not have the information and that I should call back in 15 days so that they could advise me on the matter. She would not elaborate what that advice would be.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77096
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I reached out to Navy Federal Credit Union XX/XX/2020 in an attempt to settle an old debt to repair my current credit score, and status. There was no response from the company whatsoever. I then received a letter in the mail from a debt collection agency in connection with Navy Federal Credit Union on XX/XX/2020 dated for XX/XX/2020. I then attempted to access my account online to again attempt to contact someone about settling my debt/account ( s ), only to find out that my account access had been restricted. I then begin to search for what could be done to assist in achieving the repair to my credit. I then found that this is a common problem with the unfair debt collection activities conducted by Navy Federal Credit Union. They currently have a standing Consent Order that I found on your site which made me want to reach out with a complaint against them. *File No. 2016-CFPB-0024* This consent order clearly states in several sections that when they are conducting debt collection practices they are not to conduct business in a certain manner. I have thoroughly read through this consent order and found numerous violations to this consent order that was issued in their attempt to collect a debt from a consumer, mostly revolving around unfair acts or practices in their debt collection practices that violates this very consent order. The violations that pertain to my personal complaint are as follows : *File No. 2016-CFPB-0024* - Article IV : Paragraph 11, 23-28, 60-70, 72, & 79 - Article V : Paragraph 80, 80.b, 81.b, 82.d, 83.b - Article VI : Paragraph 85.c, 85.f, 85.g, 85.h, 87 - Article VIII : Paragraph 93.g, 93.j - Article XI : Paragraph 108.b - Article XIII : Paragraph 112.a - Article XVII : Paragraph 112.a
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2020-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: XX/XX/XXXX a call was made to me by a rep that fraud was attempted to be committed. I was told the account would be blocked. There were a total of 6 checks that was cashed with invalid name and address. They denied it saying app was logged in the day fraud was happening. I appealed it through email and through mail. I have called of 10 times to talk to security through supervisors. Phones always disconnect me while waiting I have not received any letters of decision or able to reach anyone about this matter that know what is going on. My daughter was in XXXX college at the time which is 4 hrs away from where these checks were cashed. I am now ready to seek a lawyer at this point due to no resolution m. The bank has take my money and my daughter money out the account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
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 haven't received any investigation results.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A