Date Received: 2020-07-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My spouse and I are XXXX and he is a veteran. We received a check for {$500.00} from our grandmother on Monday and I e-deposited it into our joint account and was able to withdraw almost half upon deposit and the other half the following day but the funds were not showing until early the following morning. I needed to pay a mechanic for work done on our only vehicle and purchase some medications and discovered that the entire account had been transferred out to an undisclosed account. I called Navy Federal Credit Union immediately and it took almost 20 minutes before I was told that Navy Federal Credit Union had taken all the funds to cover an old charged off credit card my spouse had with them and when he became ill with a rare XXXX was unable to continue to pay them. The gave us no warning whatsoever of their intentions and it is especially hard given this time in the Pandemic we are struggling. Also the check was sent to me and I deposited it into a joint account. Are they legally able to take my money even though the old debt was not mine?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have 5 hard inquiries that I have no knowledge of : XXXX XXXX XXXX XX/XX/19 XXXX/XXXX XX/XX/19 XXXX/XXXX XX/XX/19 XXXX XXXX XXXX XX/XX/19 Nay Fcu XX/XX/19
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77016
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: To Whom This May Concern : I am seriously writing a real letter from myself, to dispute fraudulent charges on my Navy Federal accounts. I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my accounts. You marked these accounts as closed and charged off. You already have my Identity Theft Reporting documents supporting my position, and a copy of my credit report showing the fraudulent purchases items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). Account applications made on paper, online, or by telephone Application records or screen prints of internet/phone applications Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on all applications and accounts Stop reporting information about the debt to credit reporting companies Expired Statute of Limitations 6 years in Pennsylvania This letter is to inform you that I am aware of my rights under the Fair Debt Collection Practices Act and my state laws. I have verified through my states Attorney General that the Statute of Limitations for enforcing this type of debt through the courts in Pennsylvania has expired ( see attachment ). Therefore, should you decide to pursue this matter in court, I intend to inform the court of the expired Statute of Limitations. This letter will serve as your formal notification that I consider this matter closed and ask that you or anyone else from your company stop contacting me regarding this fraudulent debt matter, except to advise me that your debt collection efforts are ceasing or that a specific action allowed by the Fair Debt Collection Practices Act or my state laws, will be taken. Please be advised that I consider any contact not in compliance with the Fair Debt Collection Practices Act to be a serious violation of the law. Please use the attachment provided form IRS-1099c to write off this fraudulent debt and crease reporting me to the nationwide credit bureaus ( CRAs ). I will immediately report any violations to the proper authorities and take whatever legal action is necessary to stop this contact. Thank you for your cooperation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19103
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ACCOUNT NAME : NAVY FCU ACCOUNT NUMBER:XXXX ACCOUNT NAME : NAVY FCU ACCOUNT NUMBER:XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have had a tremendous amount of issues with Navy Federal trying to secure a VA mortgage and conventional mortgage. I was pre-approved for a mortgage in early XX/XX/2020. I in an abundance of caution reached out to Navy Federal to ensure there would no issues regarding my income. I was assured by 5 people, XXXX XXXX, XXXX XXXX, an underwriter, and two people at the mortgage helpline that the approval would stand based on the honest and accurate information I provided them. I was assured that everything would go through smoothly. I then found a great house, and sent in my purchase agreement on XX/XX/2020. I received the first set of 3-day documents a few days later with the incorrect information. I attempted to reach out to Navy Federal and XXXX XXXX and received no response. Finally, I got a call back about 3 days later, it took them nearly a week to send me the corrected 3-day documents for a total of 10 days to receive them. I was also told the rate was locked which was a lie as it quickly went up later. Things seemed to be straightened out despite no communication from them I though we were moving forward. Turns out nothing had been done on the loan for days. Finally a month filled with 10+ calls a day, and multiple emails and texts I hear back. I submit the same paperwork again because somehow it all got lost. We are now only a few days from closing ( 44 days after the contract was received by them ) and I find out we may not be closing on time. They told my realtor this Friday at XXXX. I get told and it is to late to cancel moving trucks and other things so we pack up and have everything stored at {$50.00} a day. Assuming they would be quick from this point I hear back the next week that they denied my income ( only when I called 7-8 times ). They request more information which is returned in a day and they send it for review again. The underwriter sent my loan information to the VA. Who I later learned does not review these requests ( because I called them ). They had us waiting for days to hear back from the VA even though they don't comment on individual loans. Fed up with the VA and Navy Federal I decided to go with a conventional loan they promised a response within 48 hours and we could close the next week. No such luck. They raised my interest rate nearly a full percent and told me they require an additional 10 % down! I reluctantly agreed because I already invested thousands of dollars and weeks into this process. XX/XX/2020 comes and it is the end of our extended housing contract. I plead with the seller to hold. They have been threatening to walk for over a week now but they want me to release earnest money if we don't close in a week. I can't agree because Navy Federal has dropped the ball at every possible chance and now will be losing the house. My only option is to risk another thousand dollars in order to save the deal. I have reached out to everyone possible at Navy Federal. XXXX XXXX the loan agent, XXXX XXXX the processor, XXXX XXXX the loan agent supervisor, XXXX XXXX the processing supervisor and have gotten next to no progress or responses. I have made upwards of 5 complaints to Navy Federal outside of these people and have received no responses. I am at a loss both figuratively and financially. For those that read this I would avoid Navy Federal at all cost!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53719
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
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: I was charged by XXXX XXXX XXXX without my authorization on XX/XX/2019. I requested 4 movers for XXXX/hr. The movers showed up 2 hrs late with a XXXX rental truck and with 2 movers instead of 4. The owner charged my credit twice without my permission for XXXX and then couple hours later he charged it for XXXX. The guy stopped answering my calls. Submitted a dispute through credit card company and they said the charges are correct. My credit company is Navy Federal credit union.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2020-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: XX/XX/XXXX I filed a dispute with my credit union for 3 transfers made thru XXXX XXXX in XXXX & XXXX. The client I was transferring funds to committed fraud against me in which I reached out to my bank to handle the dispute and provided all documentation. The bank failed to properly investigate and just denied my dispute XX/XX/XXXX because it was a XXXX XXXX issue. After informing them that XXXX XXXX deals with disputes thru financial institutions only and that I was successful with my other dispute made thru another bank for this same client, they still gave me a hard time and brushed me off didnt look thru my documentation that was submitted or anything. I think its unfair being a member for over 13yrs to just tell me oh well without properly investigating. I had to speak with a supervisor who emailed back office XX/XX/XXXX XXXX to reopen my claim and do a thorough investigation. I should not have to call my financial institution and inform them on how to properly investigate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My husband I ( XXXX and XXXX XXXX ) have had an equity line of credit off their home for a few years now with Navy Federal. Since both of them signed on this loan TOGETHER, Navy Federal refuses to see that we are both on the loan. They placed the loan under XXXX XXXX only even though clearly XXXX XXXX is on the loan, signed for it and even has it on her credit report as her loan as well. Numerous times XXXX XXXX has sent in a power of attorney since XXXX and even sent in another one and confirmed on the phone with a rep just a few months ago in XXXX that I am on the loan and I am allowed to be spoken to on this loan. Each time XXXX XXXX has spoken to a rep they tell him, " the information has been saved and we will be able to speak to XXXX ''. Each time he sends in a power of attorney they tell him the same thing. However yet again today XX/XX/XXXX when XXXX XXXX calls in they again tell her they can not speak to her due to her not being on the loan. This is false and this must be stopped. Second issue is both XXXX and XXXX applied for forbearance a few months ago for this exact equity loan. They approved and said we can make payments over the phone still but they will be held till the forbearance is over. No payments can be made online and the next actual payment wont be due till XXXX. XXXX made two payments over the phone as yet again each time XXXX called they wouldn't speak to her. XXXX logged into the account today and low and behold it shows their account severely delinquent and that they owe {$920.00} in behind payments. Where did the two {$300.00} payments go towards and why does the account say severely delinquent? XXXX tried to call in again and of course they wont speak to her or help her on HER OWN ACCOUNT. Both XXXX and XXXX have had enough of this and want them stopped before they take legal action against Navy Federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85295
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Dear Sir/Madam, I, XXXX XXXX, am writing you this letter in regards to the XXXX discriminatory behavior and unfair treatment that I received at your bank, Navy Federal, on XX/XX/2020. On that day, I went to the XXXX XXXX XXXX branch located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Tx. with my XXXX yr old son with me. My intentions were to just withdraw money from my checking and be on my way for an upcoming trip/ business. As I reached the teller, she asked questions in regards to my personal accounts ( checking and savings ). Im a longtime customer of the bank and I am familiar with the process of withdrawing money ; so imagine my surprise when I was ask if I knew how much money was in my accounts and was told to wait because she needed a manager to assist. After waiting, I asked if I could speak to the manager to finish my request. She pointed in the direction towards the manager who was sitting there on XXXX instead of trying to assist. I made a comment asking her why are you on XXXX, when you are supposed to be helping. She looked irritated and requested that I just wait. Afterwards, I was informed that I could not withdraw the amount that I intended to, without any reason given.. When I demanded to know why. She told me to leave for no reason and I told her she was being very unprofessional. She would not answer any of my questions and proceeded to turn her back, walking away as if I were not speaking. I was only demanding an explanation and she accused me of being hostile so the security guard began to exit me from the premises. I called the customer service department for Navy Federal to tell them about my experience and to file a complaint. I was transferred to XXXX in the fraud department who assured me that everything would be taken care of if I decided to enter the bank the very next day. He stated that XXXX of my funds would be released and XXXX was being held. When I attempted to use my card later that day it was declined. That is when I learned that my entire account had been frozen and was informed that I would have to wait until Monday for them to rectify the situation. They humiliated and embarrassed me in front of others and most importantly my child. Its sickening but a harsh reality that because Im an XXXX American women who speaking up for myself demanding an answer to why I do not have access to my OWN hard earned money that I am perceived in such a way and therefore labeled as hostile. After later finding out that my accounts were unfairly frozen with no adequate warning. I was devastated. I had a trip planned the next day to further my business ventures and that was ruined. No apology or reasoning was provided. The purpose of this letter is to bring serious attention to the issue in the hopes that it be resolved and no other person can feel as though I did leaving out of your institution that day. I received a letter telling me I wasnt ever welcome to none of their banks again. You will be provided a week to respond to my letter and have the staff address this matter or I will file a complaint with the Consumer Financial Protection Bureau and seek assistance from my local XXXX XXXX XXXX Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77020
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My personal information was used without my authority or knowledge to to open several fraudulent accounts as follows : XXXX XXXX ; XXXX XXXX XXXX FL XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00} XXXX XXXX, was notified on several occasions by via phone that the above debt was due to identity theft but they continue to attempt to communicated with me concerning the alleged debt and fraudulent account. Federal Trade Commission Identity Theft Complaint was also made. Navy Federal Credit Union XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Amount : {$3200.00} Navy Federal was given multiple notifications regarding the accuracy of this account which was created due to theft of my identity. However Navy federal keeps violating FCRA by reporting inaccurate information onto consumers credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Amount : {$1400.00} XXXX XXXX XXXX, has stolen the consumers identity and has been using it with authority and or consent to trade and sell consumer information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A