Date Received: 2020-11-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: THESE CREDIT INQUIRES ARE UNAUTHROZIED AND NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/XXXX Was calling in since they closed my account down for fraud - was speaking a XXXX at the time, during the convo she said we need to open a new account, We were doing that all of sudden she stops and says " I am no longer allowed to speak to you please take your ID Into a local branch and verify you are XXXX '' I asked her what the heck happened she refused to speak to me. I asked to speak to a manger, XXXX said the info I am getting is not adding up. Everything I said was adding up. It is the fact that I am a XXXX and my voice does not match the correct pronoun, because of this they locked me out of my account. Because of my voice, this is 2020 I should not have to disclose personal private info about my gender to a phone rep and have my account locked because of this! I am so dishearten by this bank that I am 100 % switching on Monday. Disclination at its finest.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was at work at XXXX XXXX XXXX XXXX, working on my laptop with my cellphone beside me. I opened my mobile app on my phone to check my account balance and then logged out. After work I noticed my phone was showing no service, after getting it back on, I started searching through and thought to check my account. I noticed that my account had {$2000.00} extra dollars in it. My sons account is attached to mine and he was missing {$5000.00} of his savings. I then looked into the transactions on my account and noticed money transferred from his account to my account and withdrawn through XXXX and attempted through XXXX XXXX. {$2500.00} was withdrawn through XXXX and ready to post, while cash app had {$500.00}, still sitting there that they wouldnt authorize. I called my bank on XX/XX/XXXX, when I noticed this and told them of this. The transaction posted within 1 business day. They replaced the funds and then took it back on XX/XX/XXXX stating their investigation could not find the fraud that happened through them. They stated to come in and file a dispute with their decision and bring proof of the unauthorized transaction that they posted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
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 XXXX XXXX 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: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Getting the loan
Subissue:
Consumer Complaint: On XXXX XXXX someone took out personal expense loans. One for {$9900.00} and one for {$32000.00}. I was unaware of the loans when Navy Federal Credit Union sent me bills for each account. My accounts were hacked into around the same time as the loans. I have resolved getting most of the money back but Navy Federal Credit Union said that I am responsible for the two loans. I never applied for, signed any documents or qualified for the loans. Two people involved in the hacking were actually NFCU accounts holders that did a Member to Member transfers from my accounts into theirs. I did file fraud paperwork on XX/XX/XXXX with the Fraud Unit and filled out paperwork and sent it to XXXX unit. My biggest complaint is why am I having to pay back loans that I didnt apply for. The loan payment on each loan far exceeds my monthly income.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
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: 1. I applied to Navy Federal Credit Union XXXX NFCU XXXX for a refinance loan for my home. In working with Ms. XXXX XXXX, an agent and/or employee of Navy Federal, I wanted to be as transparent as possible, I declined an appraisal waiver that was offered and sought an appraisal of the value of my home ( hereafter appraisal ). 2. In a phone conversation, Mr. XXXX verbally communicated that the cost ( fee ) for the appraisal would be {$490.00}. ( offer of verbal contract ) 3. NFCUs Ms. XXXX stated that I could not hire my own appraiser for this service, as NFCU policy was to hire an appraiser for the processing of the loan. 4. I agreed that the {$490.00} for the appraisal could be applied to my Navy Federal Credit Card. ( acceptance/agreement to verbal contract ) 5. As Ms. XXXX and I agreed to the appraisal and the cost and the method of payment, she applied the charge to my credit card. 6. I paid the fee for the appraisal in advance of the service being performed. 7. The transaction date of the charge to my credit card is indicated as XXXX 2020. The date that the charge posted was XXXX 2020. The price of {$490.00}, as agreed, was charged. 8. Subsequently the appraiser contacted me to arrange a date to view and appraise the property. She stated her name as Mrs. XXXX XXXX. We agreed that XXXX 2020 would be acceptable to both of us to conduct the appraisal of my home. 9. According to the Virginia Department of Professional and Occupational Regulation ( DPOR ), Mrs. XXXX holds an active license for Real Estate Appraisal. She is a Certified Residential RE Appraiser a. Name : XXXX XXXX XXXX, bXXXX Virginia License Number XXXX c. License Description Real Estate Appraiser dXXXX License Status Active e. Rank Certified Residential RE Appraiser f. Address XXXX, XX/XX/XXXX XXXX g. Initial Certification Date XXXX14 h. Rank Effective Date XXXX i. Expiration Date XXXX XXXX. According to theXX/XX/XXXXXXXX XXXX XXXX XXXX SCC ), XXXX XXXX XXXX is the registered agent of, LLC XXXX entity ID XXXX ). 11. The registered office of Mrs. XXXX Capital City Appraisals is 6.3 miles driving distance ( using a map software ) from my house. 12. The principal office address of Mrs. XXXX Capital City Appraisals is 17 miles driving distance ( using a map software ) from my house. 13. The appraiser, Mrs. XXXX, arrived to the property on the agreed date and time. She arrived with a male partner, whose full name I did not record. The man stated that his name was XXXX and he was a contractor. There is a XXXX XXXX, who holds a valid contractors license with DPOR and at a common address with Mrs. XXXX. 14. I escorted the Mrs. XXXX through the interior of the house. Her partner, XXXX, collected measurements and information of the exterior of the house. They collected the information that Mrs. XXXX deemed necessary and required to fulfill the task. 15. Mrs. XXXX did not indicate that she did not intend to complete her task. Mrs. XXXX. They departed with all questions answered. 16. Ms. XXXX contacted me to explain that the appraiser had declined to complete the appraisal. 17. During this conversation with Ms. XXXX, she told me that Navy Federal would credit {$390.00} of the {$490.00} cost for the appraisal in good faith. The difference was explained to be a trip charge. 18. I was uncertain of what a trip charge consisted and why it was being assessed. 19. We agreed to deposit the funds into my account at Navy Federal. 20. {$390.00}, of which Ms. XXXX spoke, was deposited XXXX 2020 into my account at Navy Federal. 21. I did not receive the service for which I paid, which was an appraisal for {$490.00}. Even with the good faith deposit, I was left with a trip charge for {$100.00}, for which I did not ever agree to pay. 22. The appraiser willingly declined to complete the task, for which Navy Federal had collected payment from me. 23. I reconfirmed the location of the appraisers locations from the Virginia DPOR and SCC. If traveling from the closest location, Mrs. XXXX is 6 miles or approximately 12 minutes away from my home. 24. After reviewing the transaction, deposit, and appraisers location information, I do not agree with the cost of the trip charge. Therefore, I dispute the trip charge. a. I did not agree to pay Navy Federal for a trip charge when I agreed to pay for the appraisal. b. I did not agree to a trip charge when I paid my funds. c. I agreed to pay {$490.00} for an appraisal, which the appraiser declined to perform after traveling to the property. d. The desire to decline to produce an appraisal is not an action or fault that I caused. e. This was a willing action that the appraiser chose to decline to perform the task for which I had paid. 25. The only agreement that I have with Navy Federal was a verbal contract, an agreement to pay {$490.00} for an appraisal to be performed of my home and to obtain a copy of that appraisal. I paid the fee. The appraisal was not generated. Navy Federal credited {$390.00} back to me and deposited this into my account. I dispute the trip charge of {$100.00} as there is no basis for the charge.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: in XX/XX/2020 someone used my navy federal credit union card to make a purchase without my knowledge.. the purchase was over {$1500.00} to a company called gotogate.com I tried to resolve with both companies and no one cares
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2020, I received a settlement letter from Navy Federal Credit Union. It stated that if I paid a settlement amount of {$1400.00}, then the debt would be settled. I then went and got a money order for the amount. I went into the Bank and actually paid and got a receipt for the payment. Then on XX/XX/2020, I received a letter from Navy Federal Credit Union demanding the remaining balance and not honoring the settlement agreement that they provided me on XX/XX/2020 for which I paid on XX/XX/2020.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92115
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Navy federal credit union garnished my entire checking and savings account {$2000.00} because they said that I owed a credit card that was in collections a year ago. I talked to them before and was told that since it was in collections that my checking or savings account would not be touched. They also let me open a checking account and I deposited {$500.00} in it and then days later after they took my money they call to tell me that they were closing my account because I didnt qualify for a checking account with them. This was after they opened my account and let me deposit money into the account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
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: There was an unauthorized account opened in my name. I've tried disputing this information with no luck from Navy Federal Credit Union. I completed all of the necessary steps in order to have this information blocked from my credit report and have my credit reporting statutes enforced. All of this information was submitted to Navy Federal and they refused to block the information. I called Navy Federal in XX/XX/2020 with an XXXX representative asking what do I need to do to resolve this issue. They stated I could pay the balance off in order to have the negative information removed. I paid Navy Federal the entire balance due. Once the balance was paid I called back a week later inquiring the status of this information being blocked. Navy Federal stated they could not remove this unauthorized account because it shows a payment made on the account. The payment was made on my part because I followed their instructions in order to have this resolved. My score has dropped nearly 100 points due to this issue. It has caused me a great deal of stress while currently XXXX. Please assist me with having this account removed from my credit profile.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A