Date Received: 2019-03-04
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On XX/XX/XXXX, I logged on to my Navy Federal Credit Union ( NFCU ) app to check my account balance. Once in the app, I checked over the transactions and saw my husband 's paycheck for {$680.00} was deposited by his company as a credit on XX/XX/XXXX ; I also noticed a pending adjustment/debit for the same amount of his paycheck, {$680.00} that had already been taken out of our account. As soon as I saw this adjustment I contacted NFCU right away. I called in to the checking account inquiry line, who reviewed the account activity and said the adjustment/debit was for a credit card we had previously with their bank that needed to be paid. The representative then transferred me to the credit accounts and I spoke with a female representative there who stated they tried to contact my husband multiple times regarding payment, and because they were unable to speak to him regarding a payment, they debited our checking account for a payment. I then asked the representative if they were able to adjust the debit back in to our account, to which she told me no, they could only give us back {$100.00} of the debit due to non-payment, so they kept {$580.00}. I was very unhappy about this, but honestly, I dont know if there's anything I could have done to have them put the full amount of the debit back in to our account. I set up a weekly debit for the card account so they will receive a payment each week until its paid in full. My main grievance with NFCU is that they took my husband 's entire paycheck out of our checking account with NO NOTICE. Are they allowed to take the money out of our account like that?? I asked the representative, " how are we supposed to live until he gets paid again if you take out his entire paycheck? '' to which she had no response. I have been a NFCU member since XX/XX/XXXX, and have NEVER had any issues until now, but this issue is enough for me to consider closing my accounts with them. Can you please assist and advise me if NFCU 's actions were legal?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60638
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, on XXXX, checked my credit report with XXXX, XXXX and XXXX i was shocked when saw some credit cards, addresses not belongs to me. Since XXXX i live in XXXX, XXXX, and since than never been in US. XXXX XXXX BANK XXXX XXXX Date Opened - XX/XX/XXXX, XXXX XXXX - {$5000.00} XXXX XXXX Date Opened - XX/XX/XXXX, XXXX XXXX - {$6000.00} XXXX XXXX CR UNION Date Opened - XX/XX/XXXX, XXXX XXXX - {$7800.00} also the addresses in credit report, i have never lived there XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: A deposit from my employer hit my checking account on XX/XX/XXXX. On XX/XX/XXXX XXXX took every dime remaining in my checking account to offset a credit card charged off in XXXX. Tonight, XX/XX/XXXX my tax refund hit my account. As soon as they money was available, XXXX automatically took out another lump sum of {$1800.00}. After calling and speaking with several representatives, including XXXX XXXX, XXXX in the credit card department and XXXX in XXXX XXXX, no one was able to give me any information nor provide the original signed disclosure stating it was too old to view. Ms. XXXX in the collection department was completely rude, aggressive and disrespectful. Stating that maybe you should actually open your mail then youd know what was going on when I told her I had not received any letters from them about settling a credit card debt. She was very unhelpful and EXTREMELY unprofessional. I Also let them know that they can not garnish wages without a court order to do so and was told its not a garnishment but an adjustment which constitutes the same thing to me because theyre taking everything I have in my checking account to offset a credit card debt leaving me unable to pay bills, childcare and put food on the table for my son. According to 12 CFR 1026.12 ( d ) ( 2 ) For a security interest to qualify for the exception under 1026.12 ( d ) ( 2 ) the following conditions must be met : i. The consumer must be aware that granting a security interest is a condition for the credit card account ( or for more favorable account terms ) and must specifically intend to grant a security interest in a deposit account. XXXX of the consumer 's awareness and intent include at least one of the following ( or a substantially similar procedure that evidences the consumer 's awareness and intent ) : A. Separate signature or initials on the agreement indicating that a security interest is being given. B. Placement of the security agreement on a separate page, or otherwise separating the security interest provisions from other contract and disclosure provisions. C. Reference to a specific amount of deposited funds or to a specific deposit account number. None of the above were in the disclosure. The security agreement was # XXXX on page 2, was not separate from the other provisions, did not have to initial or sign next to it, and no reference to a specific amount or account was made. This is just preposterous. How are they able to do this? Things like this cause job loss and homelessness.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Called XXXX XXXX to ask if I would be considered for a VA loan even though they had written off my second lien in prior years due to my inability to continue payments. At that time my commanding officer did send the bank a letter explaining a problem with the facility that was issuing pay. Prior to having my credit report pulled I wanted to be sure I had a chance to qualify.XXXX told me it would be based on my current situation I was confidant because my credit score was now XXXX. Irecieved an e-mail 24 hours later requesting w2 bank statements etc. I waited a day called to be sure they received the info and was told by a loan officer that they would never consider me because I defaulted on my loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01915
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have absolutely no idea what these accounts are, I have never opened a account with this creditor. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. I have been in contact with the office of the Attorney Generals office of California - XXXX XXXX, which has guided me in the process of filing these reports. Under the FCRA 2009 ( a ) ( 3 ), the creditor in question has been notified that the debt occurred was the result of identity theft. Under the FCRA the original debtor in question must relinquish any attempt to collect this debt, with reasonable documentation stating the event of identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91773
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a dispute for an unauthorized charge to my debit card, the charge was made on XXXX for 100.00, I contacted XXXX and was told that they will no reverse the charge, I contact Navy Federal credit union and filed a dispute. I receive a notice on or about XX/XX/2019 stating that their investigation was completed and the temporary credit was charges back to my account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95961
Submitted Via: Web
Date Sent: 2019-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-24
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: NAVY FEDERAL WOULD REPEATED CALL ME AND CALL ME MAM NUMEROUS TIMES. THEY WOULD FREEZE MY ACCOUNT. THEY ARE XXXX, XXXX, AND XXXX. I CAN NO LONGER CALL THEM TO RESOLVE PROBLEMS. THEY CALLEDTHE POLICE ON ME NUMEROUS TIMES. THEY FROZE MY ACCOUNTS WHILE I WAS IN XXXX AND XXXX.I HAD NO ACCESS TO FUNDS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I, therefore, request that it be closed immediately. I also request that NFCU absolves me of all charges on the account ending in XXXX recently changed to XXXX by NFCU. Also, request that you take all appropriate steps to remove information about this account from my credit files. XXXX and XXXX have removed this fraudulent account yet NFCU continues to report false account information to my XXXX file. Enclosed is a copy of my Identity Theft Report supporting my position, and you have a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also please reference FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and concluding actions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2019-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Several negative items on the report either from erroneous data or reporting of debt beyond the statues of limitation. Some debt also is not me or is not 100 % accurate. According to the section 609 of the Fair Credit Reporting Act and the Fair Collection Act there are negative items that shouldnt be reporting. I also asked for the company to show me proof of my last day of activity to verify the debt and the company was unable to show proof because they do not go beyond the statue of limitation as a company policy however the debt still hasnt been removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2019-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This letter is regarding account # XXXX, which you claim I have a charge off and I owe {$490.00} and my account was reported to collections as delinquent for {$490.00} ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent and evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation. Also please take into consideration that a police report was filed for this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2019-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A