Date Received: 2020-11-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: i OPENED AN ACCOUNT NAVY FEDERAL I RECIEVED NMY DEBIT CARDS AND CHECKS AND DEPOSITED MONEY INTO THE ACCOUNT I THEN CALLED TO ACTIVATE MY DEBIT CARD AND WAS TOLD THEY WERE CLOSING MY ACCOUNT FOR FRAUD - AFTER CALLING SEVERAL TIMES HOLDING OVER 2-3 HOURS I WAS TOLD TO TAKE MY DOCUMENTS IN TO THE BRANCH. I GET TO THE BRANCH AND THEY HAVE ROPES OVER THE BANK SO I HAD TO YELL MY REQUEST TO THE TELL AND COULD HEAR WHAT EACH PERSON WAS COMING INTO THE BANK FOR.THEY TOLD ME THEY CAN ONLY TAKE MY DOCUMENTS AND SEND THEM TO THE FRAUD DEPARTMENT. DIDNT TRY TO ASSIST ME REALLY. VI CALL BACK TO THE CUSTOMER SERVICE NUMBER AND THEY TELL ME THE BANK COULD HAVE APPROVED MY DOCUMENTS WHILE I WAS THERE .... ADVISED ME TO WAIT 5 DAYS AND CALL BACK THURSDAY. I CALL TODAY AND THEY TELL ME MY DOCUMENTS WERE SENT TO THE WRONG PLACE AND THEY ARE FORWARDING THEM TODAY. I CALLED AND REQ A SUPERVIOR WHO NEVER APLOGIZED HE HELD THE PHONE COWARDLY AND BESICALLY ACTED AS IF THIS ISNT OF ANY CONCERN TO HIM HIS NAME WAS XXXX - IM SO UPSET BY THIS SERVICE
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2020-11-12
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: Investigation took more than 30 days
Consumer Complaint: XX/XX/XXXX I sent in a dispute to Navy Federal Credit Union and the 3 credit bureaus regarding a credit card that was opened in XXXX. I haven't received a response in the 30 day time frame from when the letter was delivered. My account has 8 inaccuracies. It is well over 94 days and the account still has 8 accuracies and nothing has been updated or removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I had a checking account and savings account with navy federal, they had this program called a XXXX program that allow you to him about his money from the bank the money that I borrowed was {$480.00}. I spoke to a Miss XXXX and I told her that I was making payments I had to set up payment arrangements of {$20.00} every two weeks.I made three payments of {$60.00}, and I also help me to {$10.00} payments which I can take the money and I cant so I told him to put it towards my bill and a XXXX dollar payment when I call in to navy federal they refuse to give me a print out of that payment history!! Im trying to fix the situation and then she won over charge me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Basic lee I had some one who had hacked into my navy federal credit Union on line access or profile multiple times. And I have tried the keep the person out and navy federal credit union had froze my on line access then said that it was beyond there risk acceptance. But I dont think that it was fair to me because they have issues keeping people out of there systems and keeping them secure. Then some one tried to take out a personal experience loan in my name. Then there was multiple devices on my account from the person who tried to access my accounts from navy federal credit Union.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34606
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I Called XXXX, and XXXX to ask them about so inquires that i do not recognize on my credit report. i was informed on how to go about correcting these errors, i was told to contact the creditors who are reporting the inquires. i am diligently working on improving credit. I only have 3 primary cards that i have applied for and all of the other cards are authorized user accounts i have a total of 10 inquires on my XXXX report & 7 on XXXX and 5 on XXXX. a total of 3 inquires should show on my credit report across all 3 credit reporting agencies. i am exercising my rights to have all inaccurate information removed and deleted from my credit reports. i will be attaching a dispute letter with this complaint to show the inquires im referring to also. XXXX Navy Fcu Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX Bank Equifax XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX Navy Fcu Inquiry from XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX Department And XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Today, XXXX XXXXXXXX Day, I contacted Navy Federal Credit Union to discuss my credit card rewards and a new application. The person who picked up had no idea how the rewards work and he was part of the Credit Card team. Repeatedly he gave me the wrong guidance on the program and mis-directed me on the web site. I then asked him about application XXXX which denied me an additional card. He said it was because I only make {$10000.00} a year. I told him I make much more than that and he said well that's what I put in the application. I explained that every time I apply for a mortgage, auto loan or some product NFCU just screws it up and never grants it. They have my true salary and also get direct deposits from my employer 2 times a month. They have all my information and my FICO score is XXXX. So this XXXX tells me that I put that value on the web site and I had to tell him 5 times that i did not. He said well we dont have access. I corrected him and said of course you have access to the application, the database and all components. i requested an audit and to speak with the Fraud Department. He refused to transfer me to either group. Meanwhile it impacts my credit by NFCU always running my credit score and then not providing a product.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32003
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I got quoted at 5 % interest by a representative at NFCU for my car loan for a new car. I stressed to them that Im new to this and have no idea how the process goes and asked that nothing will change over the course of me buying the car they reassured me. ( I also work out the numbers in front of the rep for the payments and she sits there and doesnt tell me about how the interest is ROLLING interest. Had no idea what that was until after I called to complain about my insanely high interest rate. ) So I go and but the car, the dealership continued to finalize the deal with my bank ( Navy Federal Credit XXXX ) and Im not sure if it was the dealership or NFCU, but someone withheld information. I get home with the car and about a week and a half later I see a notification in my bank app saying Im sitting on 12 % interest. I called and asked why they said the car isnt new Yet I wasnt told what qualifies a car as new, I ask to have the number brought down to a reasonable percentage and they decline. I tell them Im looking for a house and this is making it hard for me to even consider them for that loan then all of a sudden they can do something about the loan. Theyll give me a better rate. At that point I knew something was up. They were running my pockets to bring their company back on its feet after covid hit by giving me false hope. I confirmed it when I went and ran the loan calculator with my cars vin number on their website. It came up to 6 %. The car already started depreciating and I knew Ive already been down a couple thousands on top of closing fees and insurances i bought for the car. it would have been a huge waste of money if I just brought it back. I need help. Its just crazy how my credit score of XXXX points shy of XXXX landed me in a 12 % interest pool.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am the victim of a scam using XXXX. I contacted navy federal who I used XXXX to send the money to what ended up being a scam. I have a phone log with the representative of the company. Once the {$1000.00} was sent the scammer was gone and the phone calls and emails went unanswered. XXXX said there is nothing they can do although they are aware of these types of scams. The representative gave me his name email and phone number. I felt comfortable because I thought it was backed by my bank and in the banks app. Neither Navy Federal or XXXX offer any protection. Banks are not doing anything to help victims of these scams. I was trying to purchase a dog for my son. Please help me!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21113
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have disputed the charges many times with Navy Federal, I dont own the debt and Ive never authorized anyone to obtain any debt in my name ... Ive called the police and made a report, I let them know that I believe one of my tenants used my information to attain credit and other things ... I dont have proof but he is currently incarcerated for some type of fraud.. the amount thats on my credit report is {$24000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navy Federal is reporting information incorrect, inaccurate, and confusing. 1. Account numbers are different between credit bureaus. 2. High Balances differ between credit 2 bureaus. 3. Date of Last Activity is different between the 2 credit bureaus. 4. Date reported is different between the 2 credit bureaus. 5. Date Opened is different between 2 credit bureaus. 6. Balance Owed is different between 2 credit bureaus. 7. Last Payment is different between 2 credit bureaus. 8. Past Due Amount is different between 2 credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A