Date Received: 2020-02-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, i applied for loan online. I later found out that the company wasnt real and they had made Fraudulent claims with the bank. The bank applied a XXXX credit to the account & the fake loan company took XXXX. I reported this to the bank on XX/XX/XXXX. Ive been calling since then to get a update on my account and everytime i call they say i have to wait 10 business days. I cant use my debit card, make deposit or withdraw from the account. The bank security department has the the account frozen. They never want to update me with whats going on. When i ask to speak with the department whos handling my case they never put me on the phone with them. They tell me wait 10 business days. Its my account and i should have the right to stay updated on whats going on seeing as tho this is where all my funds go.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21040
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX I was logging into Navy Federal app on my phone to pay my sons car payment I noticed that the bank account which I have not used in almost 2 years had {$58000.00} in it. I called Navy Federal On XX/XX/XXXX and they reassured me the money was mine and told me I could spend it. I paid {$35000.00} and paid off my car loan for my XXXX with Navy Federal and I transferred the rest {$16000.00} to my XXXX XXXX account so I could spend it since I dont have a debit card with the navy federal account that all of that money went into. I asked Navy federal where the money came from and they could not tell me all they could tell me was that its a credit on my account and it was my money and I can spend it. I was contacted 2 to 3 weeks later by navy federal recovery team telling me the money was not mine and I need to return it all. I returned all the money they took it and I also had a {$5000.00} in credit card debt that I was paying on and it was in collections I had Payment set up through my XXXX XXXX XXXX account to pay them every month until the debt was paid off they told me in XX/XX/XXXX that {$5000.00} Debt had been charged off and I no longer of them any money in collections at Navyfederal. Fast forward to today XX/XX/XXXX when I was supposed to receive {$1000.00} from my boyfriend so I can go get a XXXX XXXX and Navy Federal Collectuons dept has taken that {$1000.00} money and told me theyve applied it to the debt that I owe on that {$5000.00} that they had once told me was charged us and I no longer owed. Navy federal has not once tried to contact me since XX/XX/XXXX when they told me the debt of {$5000.00} was charged off and they took back that large sum of {$58000.00}. I have called them and asked them to give me the XXXX XXXX back because I was to use that for a XXXX XXXX on my XXXX tomorrow and now they say that they will not give me the XXXX XXXX back because the money was not mine. XXXX
Company Response: Company believes complaint is the result of an isolated error
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I am currently on XXXX, and was defrauded out of {$16000.00} through an online scam. ( XXXX XXXX ) I have submitted a fraud complaint to the FBI, however, when contacting NFCU, they have refused to assist in any way and are holding me accountable for 2 loans taken out in my name, with money transferred to other entities. NFCU has stated they found no indication of fraud, although the supporting documents attached will prove otherwise.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XXXX XX/XX/2020 I was forcefully logged out of my account on my mobile banking app without my consent or any form of contact being made. This is not the first time this has happened and they have restricted my access to my account information, but the 5th time and in the past they have begrudgingly fixed my issues but now I have attempted to fix it again but instead I was forced to remain on hold for 20 minutes. This is unacceptable and I am heavily considering and looking into moving my finances into another bank or credit union after the complete disregard for my financial information and my concerns.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a consumer in pursuant to 15 USC1692A3 and current victim of identity theft these agencies listed below is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from XXXX, XXXX, XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a {$1000.00} per violation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2020-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Back in XXXX this item appeared on my credit report from Navy Federal CU, Stating there is creditcard limit for $ XXXX and a balance of XXXX. i disputed this item to the credit bureaus stating this is not mine, Meanwhile, the item was moved for a few years or so and now as of XX/XX/XXXX it shows up again on my XXXX file. Once again i disputed this item and got a response from XXXX stating its verified via Navy Federal CU and will remain on the file. So i contacted Navy Federal CU Fraud Dept and spoke with XXXX requested the original contract or application with my signature and XXXX said they are not allowed you must submit a subpeona in order to get the orignal contract with signatures. Then i back to XXXX Dispute dept and requested they get proof with my signatures, the FRCA allows the credit bureaus up to 35 business days to respond and experian responded within the time frame but was not able to provide evidence.i contacted Navy fraud dept once again and they had me to filled out a Security Appeal Form which i will provide to you all, i also received a letter dating XX/XX/XXXX, stating the info is reporting accurately. i am a two time victim of identity theft. I also file a police report and gave it to the credit bureaus. I am not a member of Navy federal CU or never serve in the military. I am filing a complaint because this info is reporting inaccurately and Navy will not allow me to investigate this matter regards to my signature or ID. I am requesting this item be removed from my XXXX credit file. This is been going for some time now. Your help is greatly appreciated Thank you Sincerely,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76115
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I had an account with Navy Federal Credit Union in XXXX which was a back up account that I had minimal funds in. A fraudulent charge was made on the account and I was not aware of the charge until XXXX when I attempted to open up a second checking account and savings account. I was told that I would have to pay {$430.00} since the account was overdrawn at the time of closure because of bank fees and the fraudulent charge which was about $ XXXXThe bank could not tell me if the charge was a debit card charge or a check because the records are no longer available but based on the amount of {$29.00} returned check fees and NSF fees it may have been a fraudulent check. I attempted to dispute the charges to no avail and it appeared that my affidavit that I filed fell on deaf ears with the charge off department. I have two new accounts that are open but I cant use them because the charge off department will not deal with my old account fairly and in accordance with their fraud policies. Additionally, the fees they are attempting to extort me in paying are illegal under the terms of the Federal Reserve Regulations passed in XXXX and they are breaking the rules that are in place.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85201
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello, I am requesting information as to why Navy Federal Credit Unions Zero Liability policy is being disregarded here. I have attached information regarding the failure of NFCU to provisionally credit my account during the investigation of two transactions during which both merchants are contractually obligated to provide me with refunds for services I could not use and did not receive. Please advise regarding next steps. Best, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: NAVY FEDERAL CREDIT UNION AND ITS NON EMPLOYEES WHO'S NAME WAS XXXX FROZE MY XXXX OVERDRAFT ATTACHED TO MY CHECKING ACCOUNT THATS IN GOOD STANDING WITHOUT GIVING ME PRIOR WRITTEN KNOWLEDGE THAT MY OVERDRAFT WOULD BE FROZEN AS THE LAW REQUIRES. XXXX ALSO OECN XX/XX/XXXX AT XXXX INTO THE NEXT MORNING SAID HE DIDN'T WORK IN COLLECTIONS WAS DEMANDING I PAY FOR ANOTHER ACCOUNT OR MY GOOD STANDING ACCOUNT WOULDN'T HAGE MY OVERDRAFT PROTECTION. THATS NOT WHAT MY INITIAL CHECKING TERMS AND AGREEMENT STATES ..NFCU also on my online still had my checking account XXXX and some cents after I made a deposit of XXXX Today at XXXX XXXX on XX/XX/XXXX on my online account nor the date or error was updated but XXXX still accepted my XXXX bringing my account current and positive. XXXX was rude and my fiance tried to explain but he said he'd have to have the entire XXXX paid also in the positive causing me another financial hardships. Also I wrote the President of NFCU she transferred my account to Collections when nor my loan or checking account they opened without hesitation because I've been a good member and customer since XXXX. This has caused me to have to borrow money from family and friends therefore causing embarrassing situation that wasn't necessary. Only if they hadn't froze my account if I have to I recorded the violations XXXX the supervisor stated in our conversation. I was never contacted in writing or told by telephone as the law requires to collect a debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28150
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In early XX/XX/2019, I applied for a refinance mortgage with Navy Federal Credit Union. I agreed to pay points and was approved for a 2.5 % rate. It took an extremely long time for anyone to call me back regarding the status of the loan. I was told that I was approved for the loan. Last week I received a notice stating " we have exceeded the validity of all documents, including the credit report for this loan application. '' I do work overseas for the XXXX XXXX XXXX. but the house is my primary residence which I return to occasionally through out the year. Even if it where a second home my loan to value ratio is 25 %. After getting this email ... ... .my loan information has been deleted from my internet banking account. Furthermore no one has returned my calls regarding this loan. It appears that Navy federal does not want to honor the 2.5 % rate. Also there are several complaints on the internet about Navy Federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A