Date Received: 2018-08-29
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I started using XXXX to get a sugar daddy to help pay for financial problems i have already been having. I got in touch with one guy. I cant find his usertag anymore. But I do have the phone number hes been using to communicate with me. He transferred {$8000.00} into my account on XX/XX/2018. Asked me to send {$3500.00} to one of his other sugar babies, then {$3000.00} toanother. I thought nothing of it. The remaining {$1500.00} was to be for me. However the check bounced after it went through and now Im unable to access my account. Including my own paychecks. My bank is Navy Federal. Im unsure what to do ...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX I was an victim of a scam an identity theft after I realized I took the proper channels with overwhelming proof and a police report I was scammed .Navy federal still work recover my money because they say a scam is not XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23224
Submitted Via: Web
Date Sent: 2018-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Navy Federal Credit Union denied a fraud claim on our account. The charge was absolutely fraudulent. My husband 's card number was stolen ( along with 2 of his other bank cards ) and was left without any cards to use during a business trip. My husband had more than enough money on his card to cover the said charge, but it was not ours, so we submitted a claim. The amount of the charge was for XXXX from " XXXX '' in XXXX. This occurred on XX/XX/2018, and the claim was denied on XX/XX/XXXX. Navy Federal is not being helpful in this matter at all, and is refusing to make things right.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Company : I am a victim of identity theft due to the XXXX Data Breach. My information has been breached causing multiple errors and miscellaneaous account transactions to be listed on my credit report, including 12-14 hard credit inquiries. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It appears to be the result of identity theft. ****Credit Inquiry**** Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all Credit Bureaus, Enclosed are the following : A copy of my Identity Theft Report. Police Report XXXX Data Breach Screen Shot Section 605B of the Fair Credit Reporting Act, which requires you to delete the fraudulent information on my credit report resulting from identity theft within four business days. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76513
Submitted Via: Web
Date Sent: 2018-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-28
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: In XXXX, I was overseas, and was not allowed access to m account since I had missed a payment. I HAD to make a payment. In XXXX and some of XXXX, after my motorcycle accident, I was only able to live off my XXXX PENSION FROM THE GOVERNMENT, ( which Navy Federal Credit Union is taking still, even though it is exempt, this shows up as XXXX XXXX on my deposits ) they still were restricting access unless I made a payment. While recovering from the accident, XXXX of my XXXX check were going to XXXX XXXX, and I was left to use roughly {$100.00} I had left to work with for the month. In other words, they made me pay them with the XXXX check I was getting just so I could have access to my account. https : XXXX I then learned it was always illegal for Navy Federal credit union to restrict access. I have since had phone calls with Navy Federal concerning getting compensated, as I feel I am owed. For some reason, they can never seem to know or remember what I am referring to. They said they would look into my issue over a year ago on the phone, and I have never heard anything back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2018-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am a current client of Navy Federal Credit whom experienced fraud on my account since April. I filed a debit card dispute, police report and reported whom I believe is the suspect in such case and my claim was denied. There were checks submitted to my account that I did not authorize and filed a secondary claim and that two was denied. Neither cases was I informed of the reason for denial. I have filed a complaint with the Federal Reserve, FDIC, and Federal Trade Commission against Navy Federal Credit Union in regards to such because as a victim of identify theft, my account has not been protected according to the FDIC regulations. I followed all protocol and the issue has yet to be rectified and my account is threatening to be charged off. This is unfair to consumers of such actions done unbeknownst to them and without authorization.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2018-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Navy Federal continues to report fraudulent accounts on my credit report ( s ). These accounts were not opened by me, I have not ever benefited from these accounts and have already reported these accounts to Navy Federal Credit Union as fraudulent. First of all Navy Federal found my phone number some how and called my phone sending threatening voicemails, stating they would come to my house and that they would make sure I " go down ''. I did not authorize this company to call me first of all, Second of all after my Identity was stolen these accounts and membership were opened at Navy Federal. I never received any Credit Cards from them. When my identity was stolen the crook opened two credit cards with Navy Federal credit union, and a checking and savings. This information was received by calling their customer service number. Additionally Navy Federal CU only got my new address because on my Complaints from the CFPB it shows my address. So they updated their system on these fraudulent accounts with my new address. I should not be liable for accounts and cards that I NEVER RECEIVED. Also on their website per their terms it states if you open a membership with them online, they will send you a signature card to sign and send back. Approving that you opened the membership with them. I want to make it clear that I never received that by mail, and I NEVER SIGNED IT either. I know that for fact. Lastly, I want these accounts removed from my XXXX credit bureau reports and all of the other reporting companies they are reporting to. I never opened membership with this credit union. The crook forwarded my mail and also received all of my personal information after stealing my wallet they had my SSN from my Social Security Card and my Drivers License, and Also my Email addresses. I did attempt to recover my wallet but I was not able to. I have already tried reporting this to Navy Federal Credit Union as fraud and they continue to deny anything saying they researched and there are differences in stories. That's not true its been the same information every-time. I DID NOT open membership with your credit union. I have not ever received any cards and I found out from USPS that my mail had been forwarded. I have only recently corrected that. I do not have account numbers to report because it doesn't list them and I never received any cards. Lastly I have not called in on these accounts but only to tell you these were fraudulent. Please update your records and correct the fraud. Which I believe occurred from someone inside Navy Federal especially after receiving calls of threats. I do not owe these accounts because I have already notified you of Identity theft and my rights from the FCRA. Please update the credit bureaus promptly and update your internal records.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2018-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-25
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I was approved for loans through navy federal credit union. With active loans in good standings I tried to add funds or make a new loan. To consolidate my debt into one with a lesser monthly payment. Of coarse the problems come and I was denied the loan. Stating that I can not apply for another loan for six months. Being a member here for over 20 years there should be some kind of co operation between myself at the credit union. I would like to get a new loan to pay off all debt and only have one loan payment to make.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32082
Submitted Via: Web
Date Sent: 2018-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-23
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/2018, an ACH debit of {$10.00} was presented to my account. With a balance of {$1.00}, it was denied and subject to overdraft fee of {$29.00}. Then on XX/XX/2018, a deposit of {$210.00} was credited to the account and the overdraft fee was posted ( {$29.00} ). Now on XX/XX/2018, I reached out to customer service via email to reverse/waive the overdraft fee ( {$29.00} ), because to change me {$19.00} more then the original overdraft ( that was denied ) was extreme for such a small amount of the denied overdraft. I'd like for the fee to be reversed /waived, so that I can continue my banking relationship.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 14120
Submitted Via: Web
Date Sent: 2018-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The reason why I would like to file a complaint with your office is due to its relationship to my time in service. I had a direct deposit account that was established after being assigned to XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX, which was located in XXXX, MD. Today, there are no records of having such an account neither in XXXX archives nor in my 201 personnel files. As well, I no longer have standard information in my civilian records. Unfortunately, this incidence would go unaddressed until XXXX. However, this letter represents my first official efforts to readdress it as a separate concern. Apparently, my personal bank account was deleted from the archives of XXXX XXXX XXXX XXXX now XXXX XXXX XXXX. XXXX XXXX XXXX XXXX investigated my concerns and found that no such account existed on record, neither on file nor in their archives. Later, as the new XXXX XXXX XXXX, the administration claims to have no records of my account, and refused to investigate my concerns further. I was told by the administration that, at times, such information often gets lost, particularly, when bank accounts are dated and abandoned. However, I contacted the XXXX XXXX and XXXX XXXX ( XXXX ) on the matter. I then requested a copy of my LES records. I was given an online account. Weeks later, my LES records were posted to my online account by XXXX. Records showed that I had an account at XXXX XXXX XXXX XXXX, at least, since XXXX. However, an administrator at the XXXX XXXX XXXX refused to address my concerns. I was then told to retain the legal aid of a lawyer. And, such efforts have been met to no avail. I believe the lost of my account is attributed to an alleged incident that occurred between XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX and myself. This incidence occurred during the latter half of my last tour of duty ( XXXX ). Dates for lost account starts at XXXX through XXXX, but needs to be addressed starting from XXXX through XXXX, totaling approximately 47 thousand. I also deposited funds into my account from civilian employment, college rebate checks, et cetera. The problem was addressed via The Inspector General Office, XXXX XXXX XXXX XXXX, and directly with the credit union. PS : I do have a copy of my Master Payroll Account Records available through snail mail for your review. Or, it can be attained directly from XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A