Date Received: 2019-08-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have contacted the bank to release a hold on my deposit. They state in-network check and cash deposits take 5 business days to clear. They state the ATM has network limitations, but
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: NFCU, Recently closed my bank accounts they claimed that the computer I used to apply for a credit product ( WHICH I WAS APPRVD ) was compromised - and sent me all over to every department they have, still with no results in reopening my account! I served this country in the XXXX XXXX for several years and to be treated as a common criminal is a slap in the face. NFCU system is flawed and I'm very disappointed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92201
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up for the Navy Federal Flagship credit card, which has an introductory offer which states that customers shall earn XXXX bonus points after spending at least {$4000.00} within the first 90 days from opening the account. The terms and conditions are stated here : https : //www.navyfederal.org/loans-cards/credit-cards/offers/flagship-visa-signature.php Offer valid for cardholders issued new Visa Signature Flagship Rewards Credit Card accounts. To be eligible for the XXXX points offer, you must make {$4000.00} or more in net purchases within 90 days of account opening. Rewards are earned on eligible net purchases. " Net purchases '' means the sum of your eligible purchase transactions minus returns and refunds. Eligible purchase transactions do not include, and rewards are not earned for, the following transactions : cash advances, convenience checks, balance transfers, or fees of any kind, including finance charges, late fees, returned check fees, ATM cash advance fees, and annual fees, if any. Cash equivalent transactions, such as the purchase, loading, or reloading of gift and prepaid cards ( e.g., money orders, Visa XXXX XXXX, XXXX XXXX XXXX and other cash equivalent gift cards ), may not be eligible purchase transactions and may not earn rewards. Please allow up to eight weeks after the 90-day period for the XXXX points to post to your rewards balance. Account must be open and not in default at the time the XXXX points are posted to your rewards balance. Limit of one promotional offer at account opening. Valid for offers applied for from XX/XX/XXXX to XX/XX/XXXX. Navy Federal reserves the right to end or modify this offer at any time. I opened my account on XX/XX/XXXX and spent {$5800.00} within the first 90 days. As of XX/XX/XXXX I still had not received the introductory bonus points promised in the terms and conditions, so I sent them this message through their online banking system : > Your Message XX/XX/XXXX : Hello, I previously contacted Navy Federal to check if I had qualified for the Flagship credit card introductory points offer, and received this response. > Navy Federal Response XX/XX/XXXX : > " Thank you for your message. We confirm, you took advantage of our Flagship promotion to spend {$4000.00} in net purchases within the first 90 days of your account open date, XXXX XX/XX/XXXX, and get XXXX bonus points. Also, the Annual Fee is waived the first year. Per the terms of the promotion the bonus rewards will post 8 weeks after the 90 day-period, if qualified. As of XXXX XXXX, you have had {$4000.00} in net purchases post to your account. '' > I called Navy Federal 's customer support number and was informed that the points would post within 8 weeks following the 90-day period from account opening. > I checked my account transaction history, and it states that I made {$5800.00} in net purchases within the first 90 days from opening the account. However, I still have not received my introductory bonus points. Could you please add these to my rewards account balance? On XX/XX/XXXX, I received the following response : > Navy Federal Response 08/27/2019 : > After reviewing your account, we have found that the charge for {$1900.00} to XXXX*XXXX Bill Payment that posted to your Visa Signature Flagship account on XXXX XXXX. This transaction was sent as Quasi Cash which does not qualify for reward points. Therefore, this transaction does not qualify for this promotion and will need to be removed from the original amount provided to you. Since you did not spend the required amount for the spend promotion, you do not qualify for the bonus rewards. Their explanation states that they consider one of my transactions during the introductory period to be " quasi cash '' and therefore ineligible for the bonus points offer. However, this is inconsistent with the terms and conditions printed on their website and in the credit card application, under which this transaction ( a bill payment I made using the credit card ) counts as a net purchase. Essentially they offered a bonus worth {$500.00} for spending {$4000.00} using the card, then after I had spent {$5800.00}, they changed their spending criteria, subtracted {$1900.00} from my qualifying purchases, then used this to retroactively refuse to pay the bonus points offered in the application. This is equivalent to stealing {$500.00} from credit card customers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I received a letter from Navy Federal Credit Union dated XX/XX/XXXX, which indicated that my credit card balance exceeded my approved credit card limit. They requested that I remit a {$260.00} to bring my account balance within my approved credit limit. The problem I have with Navy Federal is that I have never gone over my approved credit limit. In this particular case I had at least {$400.00} ( or a little more available to use ), I made 3 purchases two on XX/XX/XXXX, and one on XX/XX/XXXX all below or NOT OVER the credit limit. On XX/XX/XXXX, Navy Federal charged 3 times interest for purchases, transfer balance and interest ( {$10.00}, {$250.00}, & {$4.00} ). My concern is not these amounts or the interest as I know this has to be done. But it put my credit limit over and this is NOT my fault - I stayed in the limit and not over but when Navy Federal added in the interest it went over and it looks like its my fault and this is reported to the credit reporting agencies and this is not fair. I called Navy Federal with my concerns and received no satisfaction other than the fact they said the " overlimit '' would be reported. This I feel is an abuse and an unfair practice. Requesting assistance in this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted them and spoke to someone in the lending department. I reported to them not only verbally but also in an email that my first and second mortgage are reporting each twice so it looks like I have four mortgages. I am in the process of refinancing, I have called Navy several times to try and get this resolved and they have not returned my call. I did get one email response stating that this would not affect my credit however the other institution has out my loan on hold until I get this resolved mean while I am probably going to loose the rate I locked into and the money that I paid for an appraisal. NFCU should not be reporting liabilities twice and there should be someone there that should be able to assist me. I asked to speak to someone to file a complaint and then was transferred several times and then ultimately disconnected.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: This will be our 3rd time trying to get this resolved. XXXX, with Navy Federal, has refused to answer EACH question we have and has made no effort to contact us besides their regular collection department trying to get payment from us. 1. We paid the loan off. It even states so on our credit. No where did does it say that there was left over, or anything. When we called to make the final payment in XXXX of XXXX they told us, " Congratulations, you are at the end of your loan, you should receive your title within 2-4 weeks. '' 2. We have asked them over and over to do an audit of the account when they stated that another {$6000.00} was owed on a 12,000 ( original, approx ) loan that we will have been paying on for 9 years in XX/XX/XXXX. They have stated that we've only paid on time 6 times throughout the entirety of the loan, but even according to our credit report, that is NOT correct. We have paid on time way more than that, PLUS they have reported it wrongly for the majority of the loan. We can prove with other parts of our credit report that we have paid our car loans ON TIME, including one of them being perfect throughout the 3 year loan with another company. 3. We have asked them to stop calling my wife, but they have refused to stop calling her, and they have threatened her with bodily harm if she either didn't pay right then or there, or let the repossession tow guy take the car. 4. I have spoken with XXXX ( or XXXX ; didn't get spelling ) with the main corporate office on XX/XX/XXXX at XXXX XXXX PST and explained the issue. Navy Federal has several lawsuits pending against them for reporting to credit agencies wrongly, along with the CFPB ordering Navy Federal to pay XXXX XXXX dollars for improper debt collection practices, including locking people out of their accounts during the time of XX/XX/XXXX and XX/XX/XXXX, which they did to us numerous times, including taking money out of our account without authorization, or telling us that they were doing so, and taking amounts more than was owed. Navy Federal also was ordered to pay XXXX XXXX dollars to settle overdraft fees that were caused by them between XX/XX/XXXX and XXXX XXXX, XXXX, which we were never informed about or told about, and suffered from as well. 5. XXXX, with the corporate office agreed to write off the {$4800.00} on the refinanced loan ( that no one could ever explain to me why we still owed and prove it to me with paperwork ), because she agreed that we have paid more than enough of the loan and have actually over paid, which she was researching to find out how much and to send us a check for the overpaid amounts. We expect FULL and complete cooperation with this and would like them to actually CONTACT us instead of just replying to this complaint as we seem to be getting absolutely no answers that are TRUTH from XXXX with Navy Federal, or anyone else who replies to these complaints. As they can see from the attachments, XXXX XXXX claims of having paid the loan " on time '' only six times from XX/XX/XXXX to XX/XX/XXXX are completely inaccurate and the majority of the ones that are marked " late '' are not late. We are 100 % positive that they are applying our payments late to spite us, or to discredit us with the CFPB and/or anyone else we choose to take this matter up with.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon reviewing my credit report I've multiple inquiries that were not authorized by me. The unauthorized inquiries are as follows : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX Navy Fed Credit Union. XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: NAVY FEDERAL LOCKED MY ACCOUNT AND WILL NOT UNLOCK IT UNLESS I STEP INTO A BRANCH. I WORK VERY LONG HOURS AND MY ONLY DAY OFF IS SUNDAY. THEY LOCKED ME OUT OF MY ONLINE ACCOUNT AND BLOCKED ALL MY DEBIT CARDS, SO I HAVE NO ACCESS TO MY MONEY! THEY SAID THEY WILL UNLOCK MY ACCOUNT IF I FAX IN MY DRIVERS LISCENCE AND SIGN MY SIGNATURE 5 TIMES. ( I HAVE HAD A XXXX SINCE OPENING THIS ACCOUNT AND MY FUNCTIONS ARE WORKING A BIT DIFFERENTLY )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy Federal Credit Union allowed the compromise of my accounts, 2 checking, 2 savings to be compromised and emptied of {$7400.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A