Date Received: 2020-06-04
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: This morning on XX/XX/XXXX, I called Navy Federal about my checking account. I am a XXXX XXXX XXXX and received deposits for the PPP ( Paycheck Protection Program ) and EIDL from the SBA Coronavirus Aid, Relief, and Economic Security Act, ( CARES Act ) fund. That AID was intended to address the economic fallout of the COVID-19 pandemic for entrepreneurs. So, I was shocked when I spoke with a representative named XXXX who said she could not help me with my account because I owed Navy Federal {$3100.00} from a XXXX that I owned in XXXX. She told me the debt was from XX/XX/XXXX. I explained to her that this was the first time I heard about it and I have been a member with Navy Federal since XX/XX/XXXX. I have always kept my address and whereabouts known. The account that she mentioned was a Corporate account for a C-corp that I owned. When I moved to VA in XXXX the corporation was dissolved. In XXXX, I started a new corporation here in VA called XXXX XXXX XXXX XXXX - new tax ID, This current entity has nothing to do with my dissolved corporation. It is not even in the same line of work. When I asked to speak to her supervisor, a man called XXXX, he was very defensive and said this is the money that I owe Navy Federal. I explained to him that I was never notified and never received even a letter or phone call. I've had my personal account since XXXX. He was adamant in keeping my money as well. I explained these funds are earmarked to provide for payroll. I said if it is seized then I will have to pay it back with interest, plus it won't be used as it was intended. He was very rude. I even asked if he could even go after an uncollected debt after the 6 year time limitations had past. He did not care and hung up. When I checked my account thereafter, sure enough {$3100.00} was gone. This is my personal account. My taxes are reported on a Schedule C. I believed that bonafide corporations shield their directors from personal liabilities. Even if I wasn't shield from such liability, I was never notified of the debt. Now, I suffer a triple whammy - limited funds to pay myself and contracts, no way to have he {$3100.00} forgiven and more debt to repay with a business I may not be able to keep because I don't have enough funding. Will you please help me?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX was taken from my savings account by navy federal to pay off an account they say that I am the joint owner on. Since they say I was the joint owner and not the account holder, they didnt have to send me any correspondence regarding default on the account, or that they would take money from my savings, not my checking but my savings account to pay for this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80132
Submitted Via: Web
Date Sent: 2020-06-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: XX/XX/2020 To Whom It May Concern I filed a dispute with XXXX XXXX requesting a full refund due to the pandemic COVID-19 Prior to having the procedure done you must have a 30-day clearance, no doctor at that time would see anyone. My XXXX date was XX/XX/2020 Hospitals cancel XXXX XXXX per federal guidance Also, the country was on locked down I request a refund XXXX the XXXX 2020 I was told that someone will contact me. A week later I received an email stating that I would not receive the full refund and that they were keeping my deposit. XXXX {$800.00} ) I advise the representative that I never paid a deposit I paid the balance {$7500.00}. I requested that my bank Navy Federal dispute the charge, my bank sends me an email on the XXXX of XX/XX/2020 that XXXX advise them that they refund the full {$7500.00} which is not correct. Which lets me know that my bank fail to do an true investigation on claim when you can see a deposit on XX/XX/2020 for {$6700.00} not {$7500.00}. I am requesting the difference of my {$800.00} to be return to my Navy Federal Credit Union account and that some one re- investigate
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: Report Successfully Submitted Report Number : XXXX Report Print a copy of your FTC Report My name is XXXX XXXX I had an estate sale for furniture items in my home that had privately went into a sale. I listed many items on the offer app when XXXX XXXX contacted me saying he was interested in purchasing my green mint sectional sofa for his wife upcoming birthday. We agreed on a price of {$500.00} and {$100.00} dollars bc I had to hold item longer until XXXX could schedule movers to pick up the sofa. He asked me for pertinent information to mail me a cashier check for the sofa. I emailed him the information needed for payment. A few days went by when I received another offer for the sofa I called XXXX XXXX and we had a conversation and email exchange where I told him I had another interest buyer because I was still waiting on payment. He gave some family emergency and XXXX was a result in the delay of payment, but he assured me check was in the email and also provided tracking number. I finally received payment and the check was more then what the sectional and ottoman had sold for. I called XXXX and he informed me that he was going to be out of town but the money was for me to pay his movers that were travel long distance to pick up sofa along with some other furniture to and storage things he had. He asked if check had cleared I said at this point no but once it do Ill let you know to schedule the movers. The day after I received check cashed a big portion of check abs back held a little the check did clear at least at that point if had. I communicated that to him and then his movers contacted me saying they needed to get gas and insurance for truck before they could pick up item and ask me to send them there payment per XXXX XXXX after I had taken out funds for sofa the remaining balance belong to them. We were all communicating I think at one point that I send money from my acct of check had clear and I responded no because I had not meet them they suggested a few other ways for me to send money I told them I could send via XXXX XXXX or XXXX XXXX. They said either would be find. The movers then text me from a number with similar instructions from XXXX XXXX XXXX providing new text detail of who I should send the money to that would pick up at XXXX XXXX. I went to XXXX XXXX XXXX and send them {$2000.00} and as instructed send the confirmation and receipt of the money being sent from me to movers hired by XXXX XXXX. I did sent them both screen shots of the receipts on XX/XX/XXXX. The receiver received funds from XXXX XXXX but never made our agreement upon time frame pick up items. I later realized at about XXXX in XX/XX/XXXX the check that XXXX XXXX had sent me was returned by the bank XXXX XXXX XXXX and I was also charged taking money out of my available balance an a overdraft fee of {$15.00}. When I realized the check had been returned after initially thinking checking a had cleared I called and text XXXX and movers that check was returned and I was not aware they had scammed me out of money. I the. Reached out to XXXX XXXX to inform them of this and was transferred to there fraud department who open up a case and is doing an investigation which could take at least 20-30 days. The case number is XXXX and there contact number is XXXX. Police Report Incident Number is : XXXX XXXX XXXX XXXX Unit XXXX XXXX XXXX XXXX Report : XXXX TRACKING NUMBER MTCN XXXX FTC Case Number against NAVY FEDERAL Credit Union : XXXX FTC Case Number against XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I could not find the correct option this is as close as i could get. I had a credit card with Navy Federal and i tried to set up payment plans with them to pay down my debt. I called in XXXX to set up a payment plan was planning to have {$85.00} taken out of my account even 2 weeks to pay down the debt. I gave them confirmation of my account number was told it would come out automatically on and every Friday. the first pay date came and passed with no withdrawal i contacted them again and they stated the money attempted to come out but there was an issue with the account. But the rep even gave me and confirmed my account number before continuing. I called again and set up the payment plan and stated i want them to take it out automatically every 2 weeks. I do not have access to make a payment online so i have to call. They stated it will come out every 2 weeks. and confirmed my account number again. Tee payment did come out and i waited for the next payment to come out and it did not. I waited yet AGAIN to see what was the issue and noticed still no payment was withdrawn. I calle for the THIRD time to please have them withdraw the payment and make it an automatic withdrawal. I was told it would be. Now it has not been taken out for the past couple months. I keep receiving letters in the mail telling me to please set up a payment and also via email. Why is it that i have to call 3 times for the same issue and still not getting the money taken out. I am trying to make my payments and i was told by 3 different reps it would be set up automatically yet there is no money being taken out of my account. I am not trying to run from this and want to make sure its paid but no one there is willing to do what i asked.
Company Response: Company believes complaint is the result of an isolated error
State: IL
Zip: 60164
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XXXX I emailed my mortgage officer that I need to know if we are being denied for a mortgage, and if so I need a denial letter that day because our financing contingency ended on the XXXX of XXXX. After repeated telephone calls to Navy Federal and my mortgage officer I have yet to receive this letter. I am at jeopardy of losing my earnest money deposit on their behalf. I gave ample notice, I have written messages to Navy Federal, I have sent emails, I have called several times.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31410
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
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: I have disputed this account multiple times and it continues to appear on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45224
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have been a customer with NFCU since XXXX. I have had mortgages and equity loans with NFCU since XXXX. So when I wanted to do a cash-out refinance, I applied to NFCU. I applied on XX/XX/XXXX. I then received a request to upload supporting documentation, and I did so on XX/XX/XXXX. The next step was a home appraisal, and I paid {$460.00} on XX/XX/XXXX for the appraisal. And then - nothing. I called and emailed my processor, XXXX XXXX, numerous times asking about the status of the application ( at least emailing her on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), and received no response. Finally, I called the main customer service line at NFCU on XX/XX/XXXX or XXXX. I was told, to my surprise, that my mortgage loan application had been WITHDRAWN. The reason given was that I hadn't provided paystubs with my paperwork -- but I am XXXX, and don't have paystubs. I had provided my XXXX to show proof of income. After several calls with NFCU, I received an email on XX/XX/XXXX from XXXX, stating that " [ t ] his is completely a mistake on our side, '' and she was working with her supervisor to fix it. But again, I heard nothing the next week. Finally, I called again on XXXX XXXX and was told that XXXX would call me by XXXX that day. She did not. I called XX/XX/XXXX to inform NFCU that it had lost my XXXX of 28 years, that I wanted a refund of the {$460.00} I had paid for the appraisal, and I would be going with another lender. Amazingly, the story does not end there. The evening of XX/XX/XXXX, a new processor left a voicemail for me stating he was working on my application, and would call me back early the next week. On XX/XX/XXXX, I received notification that NFCU had run a credit report - completely unauthorized - on another application for me. On XX/XX/XXXX, I received an email from NFCU about my " new '' loan application. And on XX/XX/XXXX, ANOTHER processor called me, asking for information about my application -- all after I had informed NFCU that I was absolutely done with them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 12866
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: The company originally opened an account for me after providing documents for proof of ID on XX/XX/20 a credit card was also opened the day after. I have been using this checking account to make payments and the credit card for daily spending. The company has frozen my accounts at this point and is requesting the same documents but will not give any insight as to why and refuses to let me access my account with my money in it. The company has pulled my credit multiple times and we have communicated on several different occasions and not once were additional documents mentioned.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90048
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: NAVY FEDERAL OPENED A FRAUDULENT CREDIT CARD FOR SOMEONE WHO STOLE MY IDENTITY IN MY NAME AND PLACED IT ON MY CREDIT REPORT, AFTER SENDING DOUCUMENTATION TO THE CREDIT BUREAUS, THE CREDIT CARD WAS REMOVED, BUT NOW NAVY FEDERAL CREDIT UNION, HAS RE INSERTED THE CREDIT CARD ONTO MY CREDIT REPORT AND WILL NOT REMOVE IT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A