Date Received: 2020-08-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2020, I disputed unauthorized charges pertaining to my Navy Federal Credit Union debit card. I reached out to XXXX XXXX first and received this notice. XXXX XXXX Support XXXX XX/XX/2020, XXXX XXXX to me Hi XXXX, XXXX from XXXX XXXX Support here, thanks for reaching out. I know firsthand how worrying it can be to have an unexpected transaction come up and I am ready to provide you with some information about this transaction. Looking at your account, I can confirm that this {$2000.00} payment to $ XXXX is complete. Unfortunately, XXXX XXXX is unable to cancel or refund completed payments. That being said, you still have resources to help in this situation. You are well within your rights to pursue options through your bank, or to ask law enforcement for assistance in finding a resolution. If you would like to recover your funds, please send a request to the recipient : Tap the Activity tab on your XXXX XXXX home screen Select the payment in question and tap Request Refund Select a reason and tap Next to complete the request Before sending a payment in the future, we strongly recommend that you : Only send to people you know Verify the recipients name before sending Double-check the spelling of $ XXXX Double-check the recipients phone number or email for typos To learn more, please visit XXXX XXXX Terms of Service. To learn how to further secure your account with safety features, please visit our Help Center. Feel free to respond to this email if you have any further questions, I am here to help. Your Advocate, XXXX XXXX. XXXX XXXX Support ref : XXXX : ref Navy Federal issued me a provisional credit until the investigation was concluded. On XX/XX/2020. I was notified that the claim was denied, when I spoke with XXXX ( Debit Card Supervisor in Florida ) she stated that there was no evidence of Fraud. Clearly as this email is stated. I did was I was advised. Now I am out of {$2000.00}. I additionally, filed a complaint with XXXX, no response as of yet. Additionally, I emailed the following XXXX, XXXX, XXXX, XXXX, along with a complaint with the FTC. Among dealing with health issues over the past several months in the middle of a Global Pandemic, I now have to deal with the incompetence or lack their of an investigator who did not to his due diligence named ( XXXX ) which this information was provided by supervisor ( XXXX ),
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy federal froze my accounts on XX/XX/XXXX I have talked to numerous of reps and have been told different things. I have had my accounts for a few months now, one rep stated that I had to show proof of relation to another navy federal member, This information wasnt requested when I initially opened the account why now?? I then was told that my accounts was froze due to a transfer I received, which one is it why is my accounts frozen? I have been inside the branch with no help at all I have sat on hold for hours over the last week and my accounts still are locked I have provided proof of my identity as well as address my accounts are still locked
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy Federal Froze my accounts on XX/XX/20 without any type of notifications. The company failed to send me an email, Text, or Phone call to inform me About anything. After attempting to use my debit card that was declined, I provided a call to the Navy Federal on XX/XX/20. After calling to see why the debit card was declined, A representative informed me that the company placed a freeze on my accounts for security purposes. The Company is requesting proof of ID and residents. Ive provided this information to the company multiple times prior to the incident. Ive yet again submitted the information to the company and they have yet to unfreeze my accounts or release my funds to me. This is unexceptional and action needs to be taken ASAP!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85302
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I filed a complaint on Navy Federal Credit Union complaint number : XXXX on XX/XX/XXXX, I received confirmation on XX/XX/XXXX that they responded that they are still reviewing my account. Today XX/XX/XXXX I received a email from Navy Federal stating that they are unable to grant me membership due to not being able to verify my identity how is this possible when my account has been open for months if my identity couldnt be verified they would have requested that information well before opening an account for me, I feel as if this is a stall tactic to keep my accounts frozen for no reason at all I explained the situation in my first complaint Navy Federal is trying to cover their tracks they are liars and I would never wish this treatment on anyone about their own money in their account how do you just freeze someone account with no explanation as to why I will have my lawyer involved in this matter immediately a rep begin asking me personal questions like what am I spending my money on I dont have to disclose this information to you all what give you the right to ask me that question
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Filed dispute on a fee for {$110.00} due to funds sent in error to an unknown source. I alerted NFCU of this error, and they opened up a dispute, however, denied because they said that the error was my fault. They also stated that they will not credit me back the lost funds and have never done so for any member ever. Is there a way to prove this is correct as I have mentioned this case to others and they have received a credit back. I have since closed my account with NFCU due to the lack of member support I received in the matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22312
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING FOR MONTHS TO HAVE THE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORT. I HAVE FILLED MY IDENTITY THEFT REPORT, POLICE REPORT AND I HAVE BEEN IN CONTACT WITH THE CREDITORS SENDING THEM MY PERSONAL IDENTIFICATION ALONG WITH STATEMENTS BY ME CONFIRMING THAT HTESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE PAYMENTS ARE FRAUDULENT, THESE ACCOUNTS ARE NOT MINE. I HAVE ALSO SEND MY IDENTITY THEFT REORT TO XXXX, TO REMOVE/BLOCK THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. AT THIS POINT NOT SUE WAHT ADDITIONAL INFORMATION I NEED TO GIVE THEM TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a letter in regards to a mortgage my husband has through Navy Federal Credit Union. According to a conversion ( in which both my husband and I were privy ) last week the mortgage is current showing no delinquent status. However, my husband and I received multiple letters claiming delinquently, threatening negative credit reporting, and foreclosure. These letters ( over 5 ) sent via first class and certified mail where mailed to an incorrect address. When contacted Navy Federal stated they had the correct address on file, and they did not know why the letters where mailed to the out dated address. This is either a case of malfeasance or malpractice, and either is not acceptable. Threatening to damage ones credit, foreclose on a home, all while sending notice of such actions to an incorrect address is deeply troubling. Navy Federal has been authorized and entrusted to assist Veterans and Active duty military members navigate home ownership using VA loans. I am concerned that the organization has grown too large, too quickly to competently manage Federal loans especially VA loans. My husband and I spoke with Navy Federal regarding the status of this loan last week. I called again today about letters mailed to me ( see attached ). I spoke with XXXX on a recorded line. The call was initiated at XXXX EST and documented and time stamped for this complaint at XXXX EST. XXXX was unable to explain why certified letters threatening negative credit reporting, collections, and potential foreclosure of a property where mailed to an address no longer on file rather than the current address.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31410
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I received a ppp loan into my Navy Federal account and they shut my account down saying that I was using my checking account as a business acct. when that is totally false and they have no proof.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Navy Fedral Credit Union has me in XXXX XXXX preventing me from opening an account elsewhere. I paid NFCU in full ( XXXX ) I should be removed from XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33707
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
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: A merchant has provided inaccurate information about their products. Once the merchant has sold me the products, I went home and starting to try the products ; however, I started to experiences side effects. The merchant told me that I would not. I then asked the merchant for a full refund, which they did not give me. Then I contacted Navy Federal to resolved the issue. They then advised me to give the merchant the product back, so it does not seem like I am trying to keep the products and get my money back. I did that. I called to check the status and they stated that I needed confirmation of receipt. I had to fight with the merchant to get the confirmation of receipt because they would not provide that. Navy Federal told me that they would not process my request because I did not have a confirmation of receipt. I finally was able to get the confirmation of receipt and submitted the documents through the portal. Navy Federal has informed me that they would not give me a refund because of the information that the merchant has provided to them. However, the merchant has provided me a partial refund in the amount of {$190.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A