Date Received: 2019-10-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent in my ftc report and contacted the bank about accounts that I did not authorize that were open in my name. The credit bureaus have yet to remove those accounts. I want these accounts to be removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have tried to utilize their debt assistance program and they refuse to acknowledge nor contact me back when they claim they will help me during a financial hardship. This has led me to multiple attempts to reach them and find out the status of my hardship approval, with no ability to receive an answer. This has caused me to become delinquent on my credit reports and account and I am unable to now fix the issue and clear what they did wrong. This could have been avoided if they had allowed me the ability to utilize their hardship program or even if they advised I was denied- yet they would not respond at ALL ; even 3 months later ( which I am now 4-5 months delinquent and I dont have the ability to pay them as they demand ). I am seeing this as a repeated issue that is being reported to the proper financial authorities but I have yet to see a response or resolution. Please help me with NFCU and their false advertising of their hardship programs and financial assistance! They have ruined my credit now!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: It is showing on all three credit bureaus that I made late payments in this account that I didnt. I want the account to be fixed and show that all payments were made on time on all three credit bureaus immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32583
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NAVY FEDERAL CU has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed it with XXXX and they are still reporting the information is correct. Someone used my information. I have no recollection of this account and it is killing my credit score
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29420
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I defaulted on a Navy Federal Credit Card. I had been unemployed with no funds to pay. Finally got a job, catching up on household bills and kids needs. Navy federal took my paycheck of {$1700.00}. I was aware that I defaulted but never was told that they could take a huge check in that amount. I pleaded with them to reverse my pay check because they were leaving me with no money for food or gas. They refused to reverse it but said I could set up future payments. I explained to him I was trying o get on my feet and that I would set up a payment but to please reverse the funds.He refused. I think customers should be aware of this clause because I wasnt until after they took my pay check. Who gives them the authority to take a whole paycheck, they should not be able to take over a certain amount because they havent even sued me. No judge gave them authority to do so.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92111
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Navy Federal Credit Union continuously transfer monies without approval or without a promissory note. Doing this, continually cause my vehicle loan to be in default. I am a XXXX vet, and this angers me, cause much anxiety, distress, as well as aggravating my XXXX. I keep every money order sent to the credit union as well as certified mail receipts. The credit union wrote me and told me that I signed a promissory agreement but I have not. Have mutliple illegal transfers form accounts that can be easily seen on statements. I notified them about this but they continued to do so. I would like to request an copy of the signed and notarized promissiory note otherwise I would like to take them to court for fraud, inappropriate transfers, and illegal practices. I received constantly harassing phone calls at least 5-10 a day in which I can prove via phone records. I receive these calls just about everyday after I have paid. Because of the inappropriate transfers from one loan account to another loan account caused my vehicle payments to be late and then later recieving threats of repossession. Before the illegal transfers, I would be a month or so ahead of payment. Now they are giving me until the XX/XX/XXXX of this month before repossession. These kind of practices are illegal and create XXXX, XXXX, and XXXX XXXX. Its a shame how this instituion abuse and take advantage of veterans.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/2019 To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Re : Reference to complaint ID XXXX and XXXX Dear Sir or Madame, This is the third complaint about Navy Federal Credit Union in connection to my previous complaint ID XXXX and XXXX. I called Navy Federal Credit Union today, XX/XX/2019 at XXXX Pacific Time and spoke to XXXX , she advised that my dispute case has been closed and will not re-open. How could they close my case if the letter they send me previously stated that they need 60 days to work on my case? The reason the case was closed is because is because of the lime limit has reach and nothing they can do about it. This is ridiculous, I got scam from the merchant XXXX, they purposely sent me the wrong items and now my bank turn their back on me, not helping me to get my money back? I went to the XXXX store and turn the 4 crown cases to them. Below are the tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the XXXX, the merchant should receive their merchandise by Wednesday, XX/XX/2019. Im reaching out for your help to get my money back. Meanwhile, I will seek out for legal advice from my attorney if I cant get my money back. I cant believe that Navy Federal Credit Union closed my dispute case and did not try to help me at all. Should you have any question about my complaint, please contact me at : XXXX. Thank you for your time. XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX, IA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Dear Sir or Madame, This is the second time I complaint about my issue with Navy Federal Credit Union. The first compliant ID is XXXX submitted to you on XX/XX/XXXX. I received the respond from Navy Federal Credit Union stated they are working on my case and expect to be within 60 business day. I was out of the country, I advised XXXX XXXX ( the merchant whom I dispute the charges on my credit card ) that I will be out of country and wont return until yesterday XX/XX/XXXX. Today, I went online I saw the amount that I disputed in my online bank statement. I am very disappointed at Navy Federal Credit Union for not clearly investigate my issue and jumping into the conclusion while I was out of the country. Please help me get my money back. Below is the previous complaint that I sent to you on XX/XX/XXXX Should you have any question, please do not hesitate to contact me at : XXXX. Thank you for your time, XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Dear Sir or Madame, My name is XXXX XXXX and I am a member of Navy FCU. The purpose of this letter is to compliant about Navy Federal Credit Union. Ive been a Navy FCU member since my husband was in the service. On XX/XX/XXXX, I order 4 crown cases from an online store by the name of XXXX. in the amount of {$460.00} however I noticed they charge my account for a total of {$470.00}. After received my order from this company, I noticed the crown cases are much smaller than the one I purchased from them back in XX/XX/XXXX. According to their website, the inside measurements are 9.5 inches for the width and 6.7 inches in height. The case I received has an inside measurements are 9 inches width and 5.5 inches in height. I called the company on XX/XX/XXXX at XXXX Pacific time and asked the owner XXXX to see if I can return the cases. She refused to accept the return of the cases and offer for exchange. She told me that I will need to pay for the return shipping gees plus 25 % re-stocking fees plus the shipping fees of the exchange cases. I feel like Ive been scammed by this company, therefore I reach out to my bank which is Navy Federal Credit Union to ask for help with a high hope that I will get my money back. Ive been patiently waiting and provided all the evidence to support my claim. However, I received a respond letter from Navy Federal Credit Union stated Based on our investigation and the documentation presented, we have determined that no billing error occurred. They also asked me to reach out to the XXXX XXXX XXXX if Navy Federal CU couldnt get the money back. Im not understanding why should XXXX XXXX XXXX get involved in this situation. First of all, I never say that this is a billing error, Im disputing the amount on my credit card. Second, when I called and spoke to the supervisor name XXXX from Navy Federal Credit Union, she asked me to read the letter I received in the mail back to her because she doesnt have the copy of this letter. Im surprised that they send out letter to customer and doesnt keep a copy of this letter on their record. I also sent a certify mail letter to the company CEO XXXX XXXX but I have not receive any respond from her. The amount of {$460.00} is not a small amount. Ive work hard to earn this money and the company XXXX is ripping off their customer by purposely sending the wrong size cases and refused to accept my offer for return ( attached is the proof of the email received from this company refused my return package ). I reach out to you with a high hope that you can help me get my money back. My cellphone number is : XXXX and my email address is : XXXX. Thank you for your time, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I called Navy Federal on XX/XX/2019 at XXXX XXXX to report an unauthorized charge on my debit card ( Incident # XXXX ). The representative that took my call informed me at the end of the call to be on the lookout for an email from the Credit Union and to be certain to respond to the email. I did receive the aforementioned email on XX/XX/2019 requesting any supporting documents and/or information and stating that I submit the information by XX/XX/2019. I sent several items along with my response on XX/XX/2019 at XXXX. In the email was this paragraph, If you have any questions regarding this matter or to submit the requested documentation, you may reply to this email or call us toll free anytime at XXXX. If you prefer, you may send us a secure message online at navyfederal.orgvia our Online Banking service or write to Navy Federal Credit Union, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. You may also reach us by fax at XXXX. Sincerely, Debit Card Dispute Resolution So, I replied to the email at XXXX XXXX. However, your staff keep accusing me of not responding to the email which is not true. I called on XX/XX/2019 after noticing that the temporary credit was reversed. I did not receive any communication from Navy Federal regarding this decision. I called and finally spoke with XXXX who identified himself as a supervisor in the Frauds Department. He took the time to research my account and determined that I had sent the email and requested information and put the credit back in place. He also noticed that the reversal was done prior to your close of business. Again, I received no communication from Navy Federal Credit Union but this credit was also reversed. I called again on XX/XX/2019 and told rather than asked that I had not responded to the emails sent to me. This is not true I originally responded on XX/XX/XXXX, I called on XX/XX/XXXX, and again on XX/XX/XXXX. No one from the credit union has once asked me for a copy of the email and attachments I sent prior to XX/XX/2019. The assumption is that I the member with a lower balance account is lying. I believe your staff believe that if they continue to ignore me, continue to be rude to me when I call, that I will go away and that is not an option! Certain members of your staff have been downright rude, nasty and very antagonistic. No one has attempted to resolve my issue. I have done everything that has been requested of me. With the email being ambiguous at the least I should have been given the benefit of the doubt and asked to send the information again. Not have an ambiguous email and penalize me for what you are sending out. For the record I do believe that if I were of a different persuasion with a larger balance in my account I would not be in this position. I am seeking a full refund of the unauthorized charge, along with the {$40.00} Oops credit line fees credited back to my account. An apology should also be given and perhaps record all calls to your organization. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A