Date Received: 2020-10-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am really disappointed in the handling of my previous request to navy federal in the letter I sent them on XX/XX/20. I am requesting that the CFPB investigate this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
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: After careful review of my personal credit, i noticed two accounts on my credit from XXXX opened in XX/XX/2017, and Navy Federal XX/XX/2017 that i have no knowledge of. I have disputed these two items all to no avail. As a practical matter, i have filed a police report and submitted numerous affadivits In support of my claims. I would appreciate it if you would carefully investigate these fraudulent accounts and have them removed from my credit reports..
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am currently XXXX to XXXX XXXX and was in need of cash. I contacted Navy Fed to have money sent to me via XXXX XXXX, which is one of the services advertised as available to me as a Navy Fed member. Because it was sent from an institution rather than an individual, the local XXXX XXXX locations ( I tried 4 different ones ) were unable to process it. I contacted Navy Fed and was told " oh, we've had a problem with this. '' After spending 4 days going back and forth between Navy Fed and XXXX XXXX, still unable to access my money, I asked that the money be returned to my Navy Fed account. I was then informed that it would take 3 months to get back. If I had been warned that Navy Fed had previously experienced a problem with XXXX XXXX and that if I experienced the problem it would be 3 months before I got my money back, I would never have gone through with the transaction. I have spoken to several Navy Fed agents and escalation agents who have all taken the position that " it's not our fault, it's XXXX XXXX 's fault, so we can't help you. '' I don't bank with XXXX XXXX, I bank with Navy Fed and expect Navy Fed to stand by whatever third-party companies they do business with. When there is a problem, I expect that Navy Fed, who I bank with, will work to resolve that problem. Making me wait 3 months, while XXXX, to receive my money back is not resolving that problem.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The Navy Federal account has been paid in full and XXXX is reporting it as a charge off. Also, XXXX has the wrong balance and account number. Please open attachment for your review as I got a letter stating the account is paid in full and is in good standing. The correct account number is : XXXX Thanks You
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 18914
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Currently have an active chapter XXXX bankruptcy and navy federal credit union first revoke my credit card also removed my overdraft protection and now I can add my spouse into the checking account the other I does not really matter but i want to add my.spouse into my checking account that's i want and navy federal credit union does not allow me to according to them its there XXXX policy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79907
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had a debt owed to XXXX XXXX of about {$8400.00} and separate debt another of over XXXX. The XXXX dollar debt was paid off in XXXX and was for a truck loan. This payment was not authorized, and I was not even so much as given a receipt. They are responsible in this case because they lost the title to my truck XXXX they still dont know what happened XXXX and then because I wasnt able to retitle it in a different state they raised my APR by a crazy amount. This is all after I had refinanced the truck with them. They closed the account without talking to me and on my credit report says they settled for less than the full amount which adversely affects my credit score. The XXXX was the remaining credit card debt to be paid. I never talked to anybody about being able to set up payments and before I could talk to anybody about making arrangements the money was taken out of my account without authorization. Obviously they said the bank has authorization after I signed for the card and that they can do basically whatever they want. Every time I call for answers I am bullied around by the collections workers and treated very unfairly, and have even been hung up on when they couldnt get answers. If I had paid off a larger debt to them just a few weeks prior to the pandemic, then I should have the opportunity to set up payments before I am left penniless by the bank. There was no warning that the money would be taken out. Navy federal credit union has a huge history of wrongfully collecting debts and bullying customers. A few years ago they were ordered by the courts to pay back tens of millions to families that were robbed and bullied by this institution. I find myself in this very situation that left so many families struggling not able to support themselves. The handling of collections by Navy Federal is disgusting and continues to destroy lives of the people that took years to build up these savings. I believe that I have been wronged in this collections process without an opportunity to make payment arrangements. Especially in times when everything is so uncertain it is an extremely authoritarian and unethical method to reach into someones account and take everything they have. Now they have effectively ruined my credit by processing these funds in the manner that they have, giving me no options and effectively leaving me with XXXX dollars. Its also worth mentioning that the money taken from the account was federal XXXX payments needed for treatments and to get help that I very much need. I hope that my situation can shed light on the corruption that still happens at their institution behind closed doors. It hasnt stopped after the lawsuits, they just found more loopholes.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34957
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went into the branch to take power attorney papers twice and both was rejected! I wasnt notified that they had they own power attorney documents! After I went there on several attempts they mentioned they have they own power attorney after talking loud!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Navy Federal Credit Union has repeated called me after XXXX XXXX on weekdays and weekends. In addition, I have records where they would call several times in one day and after XXXX XXXX. Each time I try to call the number back or they leave me a message, it is an automated response with to call their automated system.
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2020, an unauthorized ACH transaction took {$2300.00} from my Navy Federal Credit Union ( NFCU ) checking account. I contacted NFCU immediately upon discovering this transaction -- informing them that I did not initiate the transaction. The checking account was closed and a fraud claim was completed. On XX/XX/2020, I received a letter from NFCU dated XX/XX/XXXX. The letter stated in part, " After a thorough investigation, we have concluded that no error occurred based on account activity. You are responsible for the full amount of the claim, {$2300.00}. You have the right to request information concerning the investigation and how we arrived at this conclusion. '' Requests for the fraud claim investigation information have been made through several phone calls to NFCU, two visits to local branch offices, and by email. Each time, I was told that the investigation report was the property of NCFU and can not be shared with me and that it would have to be subpoenaed. Their letter stated that I the right to request information concerning their investigation, yet, repeatedly, I have been denied the information needed to submit an appeal. I feel that NFCU failed to protect my checking account and failed to take action to retrieve funds that were fraudulently taken from my account and transferred to a XXXX XXXX XXXX account even though they had the name of the individual and bank account information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX my debit card with Navy Federal had been restricted for a year ( XX/XX/XXXX ) because of fraud on my account and a unauthorized person using my debit card. On XXXX XXXX the reconsideration that they did was that they were basically going to restrict my debit card access for another year. I had not been able to use my debit card for a whole year and I was looking forward to using my debit card and they restricted it again. All I want is debit card access to my account, thats all Im asking for.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2020-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A