Date Received: 2020-02-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There were unauthorized charges that were made to a lost debit card in the amount of {$1300.00} at XXXX with two separate purchases. Ive tried to work with the bank dispute this matter and it has been unsuccessful. There is no way possible that I made these purchases. No one has my ID or PIN. Please help me receive my money back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2020-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Due to the XXXX breach, I found out that in XX/XX/XXXX, Navy Federal Credit Union placed an illegal tradeline, a credit card account ending in XXXX, on my personal XXXX, XXXX, and XXXX credit reports. Since that time, I have sent multiple letter to Navy Federal Credit to provide me validation that this account was mine in accordance to FACTA law including, but not limited to : a application or electronic consent to open this account with my signature or voice approval. As recently as XX/XX/XXXX, I tried to contact them in attempt to resolve this matter to no avail. To date, Navy FCU has not sent me any documentation that this account was mine, stating this a Joint account, which I did not agree to have opened. I have also disputed multiple times with the credit bureaus, each time Navy FCU said this bogus credit card account was mine. Further, since XX/XX/XXXX, Navy FCU had deducted payments from my checking account ( # XXXX ), and closed it in XX/XX/XXXX without any notice ( mail or email ) to me. In XX/XX/XXXX, I placed a complaint with the National Credit Union Administration ( NCAU ). In response, the NCAU emailed me stating that my complaint was not handled by their organization, and to file with CFPB and FTC.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX {$500.00} was deducted from my Everyday checking account and only listed as an adjustment. After contacting Navy Federal Credit Union the same day, I received a response from them on XX/XX/XXXX in which they stated " the adjustment was for an overdraft from XX/XX/XXXX which occurred on an E checking account that they closed, and If I felt that it was done in error, then I could call the recovery department to correct the issue. Upon calling the recovery department I was transferred three times until I ended up speaking to the inside the fraudulent claims department in which I spoke to a young lady who told me that she would file a claim but was unsure if it would even go through since the amount of time has been so long. I told her that I was never contacted by anyone in regard to the overdraft or the account being close even though I have visited their branches recently and have made deposits to my Everyday Checking account a number of times. She went on to say that the account was closed, charged off and s listed a bad debt after I told her that I could not have made the withdrawal that was listed due to me being in another state other than where it was made.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: As a XXXX year old I didnt know what I was doing this girl, said if she have my account for my bank shell send me the money and I believed, but she was doing all the loans in my account and now I owe the bank a lot and I dont know how im going to pay them unless she return it back she blocked me from XXXX and her number but I do have her nunber. She was telling me to send money to her XXXX XXXX but when I look at my bank there was no money, but somehow the money went through, so I thought I was trippin
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AK
Zip: 997XX
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2020 my checking account was hacked at Navy Federal Credit Union. I reported the compromise XX/XX/2020 to the company that {$3800.00} was ACH transferred to another bank without my consent. Since the compromise the company will not answer my question or let me talk to anyone in the security department. In summary I am a victim of Identity theft and also bank fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Denied VA Home Loan While I Meet All VA Loan Requirements And Have Approved Loan From Another Company. They Used Debt Incurred During Deployment As The Reason For Denial Of Home Loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34653
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am currently in the process of refinancing my mortgage with XXXX XXXX XXXX. I happen to have a second mortgage with Navy Federal and XXXX XXXX XXXX sent Navy Federal a subordination request. After a very arduous process Navy finally received information requested. I got an alert that a hard inquiry had occurred on my credit report. I thought it was XXXX XXXX XXXX as Im in the process of refinancing. Did some research and found out it was Navy Federal. Why Navy Federal will pull my credit without first consulting me and while I am in the process of refinancing. That inquiry could impact my loan. They referred me to the FCRA and that they have a right to pull my credit. I would have wanted to be given the option or told that to subordinate to XXXX XXXX XXXX a hard inquiry needed to be obtained, I would have at that point decided to go forward or not. But to be blindsided like this and pulling my credit without permission or consent to me is problematic.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have opened a dispute with navy Federal due to over 8k worth of unauthorized charges on my navy federal platinum card. My account was temporarily credited during their investigation. I was later notified that my credits were being reversed. I contacted the rep and asked why and I was told due to some information from receipts matching mine. I asked what information and he said name, email, and phone number. I let him know that is public information that could easily be found online and asked if I could appeal. I appealed, with my appeal I sent them a letter from one of the creditors freeing me of any debt owed to them due to fraudulent activity because they agreed my information had been compromised, along with my public information that I found online, i.e. phone numbers, emails, and addresses. ( Any criminal can use the dark web to find out anything ). I do not know when or how my card and information had been compromised, however, I contacted some of the businesses and did my own investigations and most of my information if any did not even match my own, most importantly NONE of them had my home address for any deliveries. I also asked when doing my appeal to please forward me any documentation inclusive to their investigation that would cause another denial. They have again denied my appeal and have not provided me with any supporting documentation. This over charge to my account has caused a tremendous drop to my credit scores and has a negative effect to my lively hood. I am finding this to be very unethical.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I informed the Navy banking that I will have a direct deposit going into my Savings account to pay off the loans every two weeks and they are still harassing me. They are calling my job harassing my associates and I have inform them not to call my job.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76014
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
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: Navy Federal took money out of my checking account to pay a past due balance on a credit card that wasnt setup on automatic withdrawals. It is for my rent money. I reached to Navy Federal for hardship assistance and they refused to help or lower my payments. I dont have money to pay my rent. Im going to be homeless. My landlord agreed to hold-off on evicting me and to accept my XX/XX/XXXX payment on The XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A