Date Received: 2020-11-02
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Navy federal was notified that my credit card was used fraudulently. They closed the account and placed it on my credit report as unpaid debt. They refuse to submit a fraud claim. I want this debt removed from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2020 my card had been charged in the approximate amount of {$1300.00}. I was given a provisional credit of {$640.00}. I was refunded the remaining amount. The bank then took back the provisional credit of {$640.00} dollars. I appealed the denial for my {$640.00} and sent proof of location and time cards as well as a police report. The charges in question are from illinois and california. The bank Navy Federal Credit Union denied my claim again for the second time. They stated that since i used my card at my gas station next to my house i must have made the in person purchases in illinois and california. They refuse to give my money back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98312
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This Navy Federal Credit Union is wrongfully frozen my account that I have XXXX in funds deposited in very unacceptable
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I made.a transfer deposit from XXXX XXXX to Navy Federal Credit Union, which in both I have accounts. I received an immediate notification from XXXX that my transfer had gone thru and it was reflected in my XXXX online statement and account balance. On XXXX XXXX I received notice from.Navy Federal Credit Union that I was overdrawn, and that a {$20.00} fee was imposed for each draft that I had done with Navy Federal since XXXX XXXX. If I successfully completed the transfer on XXXX with XXXX , why isn't it reflected in Navy Federal 's system? Moreover, why does it take Navy Federal so long to acknowledge any type of deposit as I have had this same issue before with them even on normal deposits? I am now way overdrawn because of Navy Federal 's lack of diligence in posting deposits. When I confronted them they stated that would not help me with this issue nor would they even try to make it right. I feel I am being unfairly charged these overdraft fees. It is not my fault that Navy Federal takes so long to acknowledge a deposit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2020-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2020, Navy federal Credit Union closed my credit card after 4 years. I had perfect payment history for the 4 years the account was opened. I contacted the credit union in regards to their decision to not reissue the card once it expired in XXXX asking them why such a decision was made. I explained to them that I am in the process of purchasing a home and that this action would effect me adversely by reflecting negatively on my credit report. I checked my score today and it dropped 38 points. I was devastated because I know this will prevent me from obtaining the loan and interest rate that I need. I requested an investigation by the credit department and I was told that it was their right and decision to not reissue cards.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I received a debit card I didn't request from Navy Federal Credit Union.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Over the past few months I have received multiple communications from Navy Federal Credit Union ( NFCU ) about a credit card debt they claim is owed. This complaint is due to the blast ant and continued violation of the FDCPA 1692 ( a ) ( 3 ) ( 4 ). Also NFCU continues to send these letters by mail and email that does not include the information that a consumer has the right to dispute. The last email was received on XX/XX/2020. In addition the envelopes that are sent has the insignia of NFCU. As a natural person I am requesting that there be penalties for these violations per the FDCPA 1692K. Also the company has violated the District of Columbia Response Supplemental Emergency Amendment Act ( emergency act 23-286 ) for initiating these communications during the public health emergency. A compliant has been filed with the Office of the Attorney General of DC.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My Navy federal Bank checking account is in a negative of {$20000.00} due to someone depositing false checks into my account and my bank charged {$990.00} on my account 4times everyday until it got all the way too XXXX so I filed for a fraud claim and they did a terrible job at helping and said I am responsible for the debt when I never deposited these false checks. Someone basically scammed me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hello, I am sending this email to include that the XXXX account XXXX has impersonated a United States XXXX and has robbed me of XXXX dollars and has done so to many others through XXXX and claims her victims money through XXXX with her username XXXX XXXXXXXX. This person must be apprehended to ensure no one else false for her scam of being a navy federal representative or being well known with them or any other bank. As such, I will include her XXXX url XXXX XXXX XXXX XXXXXXXX for better assistance. Thank you very much. As well as XXXX XXXX XXXX stole XXXX dollars from me with phone number XXXX and email XXXX Navy federal credit union didn't help me get none of this money back after I got hacked through the XXXX app and or tell me there is nothing to be done.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XXXX I submitted a check through Navy Federal online banking. On XXXX Navy Federal garnished {$2800.00} from the {$4000.00} check that I submitted on XXXX before the funds were even available to me. On XXXX I called navy federal and spoke to XXXX XXXX and explained to her that I have not received any notification about the {$2800.00} debt that I owed to them and she proceeded to argue with me about how dont I know. I also explained to her that I was more than willing to make payments on this debt and if she could please reverse the payment, as covid has caused my family extremely financial hardship and the one vehicle that we own is broke down and I havent been able to work due to it and myself and my family were counting on this check to help with our struggles. I explain to XXXX XXXX that I have not received any phone calls or mail about the debt nor did I receive anything saying that they were going to take money from my bank account that myself and my family were so desperately in need of. All she would say is that they have been sending mail since XXXX of 2020 when I have only live at my address since XXXX of 2020. XXXX XXXX was very rude and even after explaining my situation and that this would cause my family financial hardship she was very unforgiving and not willing to work with me and threatened me that I also have another debt that if I dont start paying on that they would take money for that as well. She also bashed me in my face that I have a paycheck coming in from my VA benefits and that they didnt take all my money. XXXX XXXX also proceeded to try and argue with me about the situation when I simply was counting on her to help me. I have been paying back all the debt I owe to banks and was more than willing to pay back this debt as well, but due to no notifications from them to me about the debt or the fact that they were going to take money from my account I had no idea that the money for the debt was due since they charged it off as bad credit-profit loss. I would like to know if there is anything that could be done to reverse this transaction or anything that could be done? My wife is out of work due to covid and my wife and to very young children rely on me as the supplier. My only working vehicle went down last week and I havent been able to work either since then and have had to use vacation time. we desperately counted on this money to get it back working since my motor went bad. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A