Date Received: 2020-03-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Once again, I am getting burned thinking NFCU has changed their ways from the last issues I had. If I remember correctly, NFCU was fined because of their games. Monday XX/XX/XXXX I visited the NFCU branch on XXXX XXXX in XXXX, Az, to get a new debit card was lost. I was told I am unable to get help at the branch, only ATM and on the phone. Well, if I dont have a debit card, how can I get help, defies logic I know. I called the NFCU to find our why I cant get help in a branch and to get a card. It took over 30 minutes to find out the reason why I cant get help at a branch. Apparently, it was decided after a series of emails with NFCU my in-branch privilege was removed in XXXX, yes, XXXX. I am sure knowing NFCU, this was based on factless in morally corrupt decision processes by NFCU. I was told how to appeal the decision that is now almost nine years old. I sent an email to appeal this decision on Monday, XX/XX/XXXX, at XXXX hours ; I still havent heard anything even though the person on the phone said she was emailing the person she just talked to about my email. I decided to unfreeze my card so that I could access my money since I use XXXX XXXX. I found out when I tried to do that ; my card apparently has been deactivated since I could not use it anywhere I tried. Saturday XX/XX/XXXX I still have not received my card, just a PIN. I was attempting to use NFCU as my primary banking account and open a business account since there are local branches now. I dont think I should do that because NFCU is still in the game of denying members access to their money. This seems to be a common theme with NFCU, denying me access to MY MONEY. NFCU denies me access to MY MONEY. 1. Not allowing me to get assistance at a branch 2. Not providing me a debit card in a timely manner 3. Disabling my debit card so I cant use with XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85042
Submitted Via: Web
Date Sent: 2020-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: So when I called Navy Federal Credit Union about paying on my loan they told me I had three loans with them and I only have one that I got merged in XXXX or XXXX maybe XX/XX/2019 around that time and I havent made a payment because their asking for more than my payment was suppose to be and thats like {$250.00} and I was planning on giving them {$500.00} to be back on track with my loan. I just want to know how do I have three loans with them? Or find a solution that I can work with paying them their money! Or I wont pay at all for the misunderstanding or disruption with my only loan I have with them. Thank you ...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of Identity theft/fraud. I have notified NAVY FEDERAL several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. documents submitted to NAVY FEDERAL XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt NAVY FEDERAL is in violation of the FCRA and continues to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. This account must be removed immediately, as it is in clear violation of the FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Navy federal closed my account due to security reasons. Its me, I dont know what else to tell them. I have a credit card thru them with a {$7000.00} credit limit and they just XXXX the account down. Im not received any valid reason and they are being difficult. So in order for me to make payments I have to get my mom to go to the bank every month or I have to leave school in XXXX, Im in XXXX and drive to XXXX to make payments because I can no longer just login to make payments. Not only did they prohibit me from accessing cash I had in the account, closing the account also ranked my credit score
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: Starting the XX/XX/2016, I fell victim to a fraudulent Binary Options companies named XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( the Companies ). Money was transferred from my account to the Company via credit card for a total amount of XXXX USD utilizing Navi FCU services.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My Navy Federal Account is showing as closed when it is opened. The account has a {$35000.00} credit limit. I called they said the account should not be reporting as closed but they did not update it. Please help. I copied the proof from my report below Navy Federal Cu CLOSED XXXX XXXX XXXX Last Updated XX/XX/2020 XX/XX/2020 XX/XX/2020 Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency None Reported None Reported No update received Balance {$0.00} {$0.00} {$0.00} Credit Limit {$35000.00} {$35000.00} {$35000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XXXX XXXX someone got into my phone and was able to take XXXX from my checking account. They also locked phone and I had to go to the bank to close my account and I had to go to XXXX XXXX to get new phone XXXX XXXX is how they did this and they are saying it had to have been a family member as they so no fraud.the bank Navy Fedetal is saying I allowed the Person to have my info. I did not give anyone my info XXXX is a lot of money to be out. The email the person used on XXXX is closed and you can not communicate with them.i need help here I did spend 2 hours in the XXXX store getting a new phone and I did open a new bank account. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92843
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have contacted the bank on many occasions to have the department to contact me concerning the events. this started with enterprise rental car, I had a rental due to a damaging my car. The person 's insurance paid for the rental portion of the car in full. The only thing I was to pay for was a {$50.00} deposit. I contacted the bank after I noticed charges were put on my card from the rental car. i contacted them which was their main reservation department. I was told they would follow up never did. I contacted the bank disputed being overcharged. My act was credited for that amount. I was sent a letter stating the charges were accurate they would be reversing the charges. I then called ask that the investigation department contact me they would take the information tell me that it had to emailed they would contact me, that never happened I called on three different occasions. I eventually realized no one would ever contact me, so I did my own investigation. I went back to the enterprise office spoke with the manager he agreed I shouldn't be charged the insurance company paid the full balance of my rental. He creditied back my Navy federal card. I then call the bank and metioned this told them i got this done in less than ten minutes. Why weren't they able to resolve this? The investigators were supposed to be working on my case. However I aske that they remove the fees my account has accumulated because of this. The agent I was speaking with said she would remove two fees, I told her i would not accect that this could have been resolved months ago had they followed through, she again transferred me to the manager voicemial but of course no one has contacted me until this day. I want the fee removed from my account. They didn't do anything to help me as a customer of Navy Federal, I'm telling them this company charged me amounts they werent supposed too, If I would let it go my money would just be gone. Navy federal made no efffort to attempt to make sure I wasnt being overcharged,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: My former banking institution seized my IRS refund to pay for charged-off debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
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: Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT*** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT*** )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A