Date Received: 2019-12-13
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XX/XX/XXXX I was charged {$29.00} nsf I had the funds another account the company never allowed the payment to hit the account but thy charge a fee
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2019-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Tuesday, XX/XX/2019 A deposited of {$250.00} was made through XXXX to my account from my friend. I went online to check that the money was deposited. It was there. Later that day I when back online to pay a bill with that account. I noticed that I had a XXXX balance and my credit card that was associated to the account was also lower than it should be. I called the bank and asked how is this possible I was told there was a cash advance from my card to my account and then sent to another account that was not associated to my account. They then informed me that it was fraud on my account. They also explained that I had two loans in the process of being approved. I explained I have no knowledge of this and expressed my concerns why I did not receive a notification. I was told that they would stop the loan and have the other issues investigated. They canceled my account number and gave me a new account number. They told me to run a virus scan and change my email password and account password. I spent over three hours on the phone to fix this mess. I could only assume that because the money was still in the pending state that it would be a fast investigation. I was told that an investigator would call me. I called back on the XX/XX/XXXX to follow up. I also noticed I was unable to log into my account to check the status of my account. I explained that as well. I told them every time I try to log in at tells me to many attempts have been tried. They informed me that the investigation can take up to 15 days. Completely appalled that I had to spend the holidays in debt. I called back on XX/XX/XXXX to follow up again assume that the 15 day has passed. I also explain once again I am unable to log into my account. I coveted to the customer service rep that I am unable to pay my credit card debt as well. I asked if the loan was address because I received an email stating that it was no approved. I was told that not approving it means that stopped it I was also told that it would appear on my credit score as two inquiry as it was two loans in two days. Completely appalled again cause now I am still in debt and now my credit score as been affected. The rep put me on hold and after 12 minutes told me that the investigation has not met the 15 days threshold. He told me that if I do not hear from the investigator by the XX/XX/XXXX to call back. On XX/XX/2019 I called again. I explained I am still getting the same error message. I am unable to log in to my account. I still have not been contacted by an investigator and I need to log into pay my bill. I was told hold on and the phone asked me to do a survey, the called dropped after. I called back and was transferred to XXXX a woman in the fraud department. She explained that I would not receive a call back. I would receive a letter in the mail. She said they are to busy to call people back. She also explained that I could not talk to know one in the security department as they do not take phone calls. It is passed the 15-day cut off point. I am still in the dark about my money and my credit card. I am still unable to log into my account. This was not user error in yet I not only became a victim of some scam but I am a victim of a banking system who will tell you anything to get you off the phone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2019-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: NAVY FEDERAL CREDIT UNION IS IN VIOLATION OF THE SOLDIERS AND SAILERS ACT. THEY ARE NOT SUPPOSE TO CHARGE INTEREST ON AN ACCOUNT Benefit and Protection No. 1 The six percent interest rate cap. 50 U.S.C. 3937 The SCRA limits the amount of interest that may be charged on certain financial obligations that were incurred prior to military service to no more than six percent per year, including most fees. 50 U.S.C. 3937 ( a ) ( 1 ) & ( d ) ( 1 ). In order to have the interest rate on a financial obligation such as a credit card or a mortgage capped at six percent per year, a servicemember must provide the creditor with written notice and a copy of his or her military orders or other appropriate indicator of military service ( such as a letter from a commanding officer ). Id. at 3937 ( b ) ( 1 ). The written notice and proof of military service must be provided to the creditor within 180 days of the end of the servicemembers military service. Id. In response, a creditor must forgive not defer interest greater than six percent per year. See 50 U.S.C. 3937 ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at 3937 ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at 3937 ( a ) ( 3 ). For mortgages, interest is capped at six percent during the entire period of military service and for one year after the period of military service. 50 U.S.C. 3937 ( a ) ( 1 ) ( A ). For all other obligations, interest is capped at six percent only for the duration of the period of military service. Id. at 3937 ( a ) ( 1 ) ( B ). A hypothetical under Section 3937 of the SCRA, 50 U.S.C. 3937 : John Doe takes out a mortgage and then enters military service. Captain John Doe is in military service continuously for 20 years. Captain Doe retires from military service and on the 179th day of his retirement asks that the interest rate on his mortgage be lowered to six percent per year. Captain Doe provides his creditor with a written notice and a copy of all of his military orders. The creditor must forgive the entire 20 years of interest that was at a rate greater than six percent inclusive of fees and an additional year of interest going forward. See, generally, 50 U.S.C. 3937. The following types of financial obligations, among others, are currently eligible for the six percent SCRA interest rate benefit : credit cards ; automobile, ATV, boat and other vehicle loans ; mortgages ; home equity loans ; and student loans. See, e.g., 50 U.S.C. 3937 ( d ) ( 2 ). On August 14, 2008, President Bush signed into law the Higher Education Opportunity Act, P.L. 110-315, that, among other things, amended 20 U.S.C. 1078 ( d ) to make federally guaranteed student loans protected under the SCRA. That means that prior to August 14, 2008, the SCRA did not cover federally guaranteed student loans. So, for federally guaranteed student loans that originated before August 14, 2008, such as student loans that originated under the Federal Family Education Loan ( FFEL ) Program and Direct Loans from the Department of Education, the servicemember borrower is not covered by the SCRA. A student loan hypothetical under Section 3937 of the SCRA, 50 U.S.C. 3937 : John Doe takes out five private student loans prior to entering into military service. After entering military service, Servicemember Doe consolidates his five loans into one loan. Six months later, he hears about the SCRAs six percent interest rate cap and requests that the interest rate on his loan be lowered to six percent per year. He sends in a written notice and a copy of his military orders. Question : Is Servicemember Doe entitled to the six percent interest rate cap? Answer : Only for the period of time between when he entered military service and when he consolidated his private student loans. Servicemember Does existing student loan originated during a period of military service. See 50 U.S.C. 3937 ( a ) ( 1 ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2019-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-09
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: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2019-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My deposit for my social security of {$1400.00} check went in a Navy Federal Credit Union account electronically and they wont return back to Social Security. I dont have an account with them. I have contact the over 3 times to do so. I have no income since the XX/XX/XXXX to live on.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2019-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for an XXXX Mortgage Loan thru Navy Federal Credit union. I more than covered the LTV with them and settled an old account before applying for this loan. I also made attempts to rectify any difference which they have not even called me about to discuss. They also denied my application based on false information they set in motion on my credit report which should have been satisfied by them. When I called, I was told by an agent that I still owed XXXX cents!!! Insane. They were also suppose to send me a letter to state I have settled the account and has not yet done that either. I feel I am being discriminated against and that they are retaliating against me for an old account I worked to settle with them and did this year. If I knew this would not settle the matter? and that they would hold it against me? I wish they would have told me that and I would have chosen a better pathway. To be clear, I did not! file bankruptcy which I could have done, I instead did my best to pay and settle the account which I did for more than {$6000.00} I sent in an appeal and reported it to the XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ND
Zip: 58801
Submitted Via: Web
Date Sent: 2019-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the date of XX/XX/2019 XXXX XXXX ( XXXX XXXX ) I made a deposit into what I thought was a Navy Federal Credit Union Partner. XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, LA XXXX. I deposited a total of {$600.00} the ATM machine failed to return my money and instructed me to contact my financial institution in order to get my money back. The following day XX/XX/2019 I went into the XXXX Branch in XXXX and they explain to me that my money was in fact in the ATM and it was out of balance, but in order to return my cash I would have to get Navy Federal to contact them to do so. So I submitted a complaint with Navy Federal with Supporting documentation and they failed to even research the first claim. So I called and resubmitted it with the SAME documentation as before and they finally responded. So they instructed me to get the ATM terminal ID. I went into the XXXX branch and two branch representatives gave the XXXX rep the terminal number. I was told it could take up to 30 days I called twice a week for updates and I was told that I had to wait for visa to clear it and I believe that was only said to get me to not continue to address this matter. I waited for sometime and the status hadn't change. I called again and I was told they had the wrong terminal ID number. I don't know how could that be possible when the number was given to a rep for navy federal over the phone directly. Someone is not doing their job. All I want is my money returned to me now. its not hard to credit my account as they have been dropping the ball for almost three months. please fix this matter immediately for claim number XXXX thank you, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70791
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2019-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Navy Federal Credit Union began reporting a fraudulent address to the credit bureaus some time ago. The address is XXXX XXXX XXXX XXXX . XXXX, XXXX, NV XXXX. This is the address of a fraudster who redirected and changed all of my personal information thereby having all my mail go there. I informed both Navy Federal and XXXX of this- several times in fact. Despite providing FTC Identity Theft Affividavits in addition to police reports ( yes, plural ), Navy Federal has not stopped reporting the address to XXXX. XXXX, despite assuring me that the address has been blocked, continues as of this moment to report the address. This is a gross violation of law as they both continue to knowingly and willingly, with obvious malice, to report fraudulent information on my credit file. As a result, this address is now part of my public record file. I have been attempting to resolve this since XX/XX/2019. I have given both companies ample time to correct this. As a matter of fact, I feel I have been extremely generous in the time I have alotted for them to simply stop reporting this fraudulent information. They have both been given several copies of both the FTC and XXXX PD reports. As of XXXX XXXX, XX/XX/2019, the fraudster 's address is still being reported to XXXX by Navy Federal Credit Union and XXXX continues to list the address on my credit file.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89434
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A