Date Received: 2018-08-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please see attached. This account was included in bankruptcy. Shows as a closed account with a current past due amount of {$200.00}. Presents as " current negative payment activity '' as of XX/XX/2018 which is affecting my credit score. I have disputed this online and have sent requests to the creditor. All of my accounts with this creditor were re-affirmed and are current or paid off.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2018-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone gained access to my online bank account and transfer {$4500.00} from my checking account to a XXXX XXXX XXXX Account XXXX indicating I am the owner of this XXXX XXXX XXXX Account. I do not have a XXXX XXXX XXXX Account, and the account is not mine. I have contacted XXXX XXXX XXXX myself and confirmed this is not my account. My bank is holding me accountable for the lost, denied my fraud claim. They argued that since the transfer was originated from one of my devices according to their IT, so I 'highly likely have made this transfer '. I did not create the external account indicating its my account in my online banking account, then transfer {$4500.00} to this particular account I have no access to. I did not authorize the transfer of {$4500.00} from my check on XX/XX/2018. I informed the bank of this unauthorized transfer on XX/XX/2018. I do not have access to this external XXXX XXXX XXXX Account, and it is not under my name. My bank is only willing to send a letter to XXXX XXXX XXXX to request the return of {$4500.00}, and they did not iniliate the transfer after a week of me informing them. My bank known the external account is not mine, even despite it indicate it is transferring to me, but holding me accountable without evidence proving I made the transfer. My Bank is : Navy Federal Credit Union Account Number : old ( compromised account ) XXXX new:XXXX Call NFCU multiple times each day. Submitted appeal over 10 days ago. First was told they received the appeal and it takes time. Then was told today they didn't receive the appeal and I would need to resubmit the appeal. Called three times today to ask to speak to the agent who handled the case but was told she can't speak to me. In all three calls today I was told no one is working on this case or looking into it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ME
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Navy Federal Credit Union reported me late on a credit card that does not belong to me, I am an authorized user only. I never signed anything saying that I would be financially responsible for this card.They reported me late, and when my wife called, they advised me that they reported me as an authorized user, and would not be able to correct. My wife had me removed as an authorized user, but I need them to go and fix my credit report. You can not report on an authorized user, because I never had financial responsibility for this card
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2018-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I received a call XX/XX/2018 that I needed to pay my last due balance of {$140.00}. I told the rep I would do a transfer in cash before XXXX. He said I should pay with my checking account and I promised to make a payment. I told him last month I received a 30 day late payment and I paid XX/XX/XXXX. He said that payments need to be received by the XXXX every month. On my credit so far I am charged three late payments. Navy Federal is destroying my credit. I think they are personally attacking me due to my last complaint on this website. I am trying to repair my credit but this is the only credit card destroying my credit. I told the account representative that I almost died XX/XX/2018 when I XXXX XXXX to a XXXX XXXX at XXXX XXXX. However, the only option was deferred payment for two months or close your card out completely. I want to remain a navy Federal customer I just want them to stop reporting me late for all of these months. I have never ever missed a payment. I have a XXXX XXXX XXXX on a XXXX XXXX. I cant even get a new car because of the status of Navy Federal. Please assist me with the {$82.00} of fees that was charged since XXXX XXXX.due to these ridiculous fees Im now over the limit. Ive brou amazing business to Navy federal. I co own a card with my mother and I pay hers completely every month. Her payment is less money and I charged XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hopefully this explication I hope to illustrate the breadth of my exasperation with NFCU. Multiple grievances beg multiple complaints. Because credit unions by definition are meant to be non-profit perhaps the title Navy Federal would be a more honest, fitting name for the organization. After all the issues, contact, & digital correspondence on my part to address has proven futile - right up to the point on XX/XX/XXXX when a cryptically titled supervisor to me directly - on call recorded for quality assurance - my issues would not be corrected before immediately hanging up on me, as I stated in a previously documented complaint. All the ridiculousness perpetrated by NFCU culminated yesterday, Friday XX/XX/2018 - when I learned this supposedly non-profit credit union did not honor 2 {$5.00} dollar check payments to my child 's elementary school! My last deposit into my NFCU checking account was {$250.00} dollars. My last deposit into my savings account was {$60.00} dollars. I HAVE NOT SEEN A SINGLE PENNY OF THAT DEPOSIT, because of NF 's actions. Actions which can only be described as transparently " for-profit ''. I have never missed a payment on any of my NF accounts. I have ignored previous underhanded, non-compliant, deceitful, and/or unfair tactics in the past, however when or if I was " serviced '' as a " customer '', & an issue was resolved, I have never hesitated to correspond graciously by posting a letter in the secure messages section, or sending an email or text, thanking NFCU for the resolution. For example, I live in Florida on a barrier isle that has been evacuated 2 times in as many years, due to Hurricanes Matthew & Irma. I took issue when certain federal mandates enacted to aid disaster victim members like myself, residing in a federally designated disaster area, were not originally honored per Federal Regulations. When I contacted NFCU & outlined the specific details per the Federal requirements, my particular request - though originally denied - was reviewed & granted. As always I publically posted a letter of thanks & praise addressed specifically to NFCU. Now in all pertinence, NFCU followed actions that were REQUIRED of them by FEMA & other government entities. The original denial of my request during Hurricane Irma violated the disaster protocols in place. Nevertheless, I did thank them in writing for doing essentially what they were already required to do. My point here, is that I am loathe to waste valuable time on frivolous complaints. I am also loathe to waste valuable money by having funds - designated by the purposes I see fit. I have no argument regarding paying on my accounts. Let me reiterate - to the best of my knowledge, I have never missed a payment on ANY of my NFCU accounts. Yes, I may have made a payment a few days late. A. Few. Days. Late. And whenever as issue has arrived, where the onus was mine, I have contacted and/or corresponded in a forthright & compliant manner. I have no argument with agents doing there jobs, or passing the buck to another agent if they could not. I have no problem reading & explaining Federal statutes to NFCU employees who have said - on calls recorded for quality assurance - that they have no knowledge of government statutes & regulations - be they Rules regulating National Disasters, or be they pursuant to the Dodd Frank Act - as I briefed NF agents XXXX & XXXX on, & as I would have been more than happy to brief the utterly incompetent supervisor who hung up in my face a few days ago. I would have no argument translating the English version of these statutes into any of the multiple languages I speak. I have no argument whatsoever doing NFCU 's job of informing & educating its employees to save the embarrassment of agents needing to research lawsuits, settlements, Navy Federal Consent forms to settle {$28.00} XXXX dollars in fines egregious violations designated on authority of the CFPB, while I am on the phone with said agents! On a positive note, while I've waited on hold for multiple hours as the agent reviewed the statutes, I at least had the gratification of those agents ' acknowledgement & agreement that I had indeed been violated. I have no argument with that time consuming inefficiency at all. But believe you me, I ABSOLUTELY, UNQUESTIONABLY, HAVE AN ARGUMENT WHEN ACTIONS OF GREED & INCOMPETENCE CAUSE DISTRESS TO MY CHILD. When funds I earn, are placed in an account I opened, are stolen from me in such menial unconscionably underhanded, greedily deceptive way leads to dishonoring a {$5.00} dollar check, I repeat A XXXX DOLLAR CHECK?? That will not stand. And to be treated so rudely, in an attempt to bilk the very members who make up the organization, remove funds without authority or due to misinformation - such as an agent telling me to put a stipend of funds into my savings account to prevent funds already designated to elementary schools, for example - then taking that money for whatever use NFCU is in the mood for, to make a greedy buck for funds allocated to a child?!? After I proactively brought that very concern to NFCU 's attention in a pre-emptive act of good faith?!?. That's a bit more " Cosa Nostra '' than " Non-Profit ''. ... Non-Profit organization owned by the members whom you treat with such contempt. Be assured. When an issue causes distress or harm to mine - and I would bet anyone else 's children. I will not let this peculiar form of non-profit, XXXX your XXXX service members, ignore federal actions, this-almost-too-ridiculous-to-believe excuse for service - be ignored. FIX IT. Otherwise NFCU ... Let 's Dance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32082
Submitted Via: Web
Date Sent: 2018-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: : According to the guidelines set forth in the CFPB investigations & actions against NFCU, I am unquestionably one of the members due compensation in redress as one of the victims of unfair/Illegal/Unethical restrictions on Account Access. Instead of being personally contacted per CFPB mandate I had to inquire personally to NFCU, going so far as to voluntarily read & address issues affecting me. On XX/XX/XXXX I spoke with 2 agents a " XXXX '' & her Supervisor " XXXX '' - who literally said they had no knowledge of CFPB actions to compensate the myriad of victims of these tactics for which NFCU was fined upwards of XXXX XXXX dollars. After hours of conversation & correspondence, Both agents, most importantly the Supervisor XXXX with whom pulled up the CFPB website that I alerted him to, & wholeheartedly agreed that I was indeed eligible for compensation in accordance with the required actions, and guided me to call immediately the following morning, when said department was open. On XX/XX/XXXX, I indeed followed XXXX 's recommendations, to speak with the Collections department, so they initiate correct of the situation so that he may contact the Claims department in order to receive compensation for NFCU 's actions towards me & so that he could then reverse the adverse affects - as he was unable to do so in the wee hours in which he & I spoke, & assured after speaking with both the Credit Card & Collections department so that he could correct the violations perpetrated on my account, thereafter I could contact the Claims department for the compensation and redress as I was due those reversals - particular the unauthorized removal of ALL the funds in my NFCU Account, and the unfreezing of my current, up to date accounts. As previously mentioned when I did as suggested at the behest of the NFCU agent, the CFPB & the advice of my attorney, I reached a rude, insolent, unprofessional Collections Supervisor who refused to give me her name or operator ID. She refused to listen to my situation. She refused to acknowledge the CFPB investigations & subsequent recompense. She refused to even acknowledge the directives of the her colleagues who directed me to her after debriefing her of the situation. On the contrary - instead this supposed supervisor refused to acknowledge or comply with the federal CFPB actions set forth against NFCU for improper debt collection activities & general inquiries dealing directly with the federally mandated rulings, requirements, grievances, & actions set forth by the CFPB for these actions & the utter mistreatment of NFCU 's members. On the contrary, this unnamed Supervisor continue to blatantly refuse the comply with the actions taken by the CFPB for improper debt collection practices. Instead said supervisor took 15 seconds to tell me there was absolutely no way she would correction the mistakes - as is her duty - told me there was no way XXXX would be reversing/correcting the violations. Subsequently she told me there was " no way '' and unbelievably, this supposed " professional '' abruptly hung up on me & refused any correspondence with me thereafter. It is important to note, I have never missed a payment in the many years since I became a Navy Federal member. I was not contacted by any NFCU member as was the requirements for victims in accordance with CFPB ruling. She refused as well, to acknowledge both agents who put me through to this utterly inept Collections supervisor on XX/XX/XXXX, specifically " XXXX '' at XXXX XXXX, " XXXX '' at XXXX XXXX & " XXXX '' at XXXX XXXX. Each of these 3 agents were professional, capable, informed, and congenial. The unnamed supervisor was absolutely, mind-bogglingly incapable & unacceptable in her behavior. Were she an employee of mine, she would have been FIRED ON THE SPOT. PERIOD.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32082
Submitted Via: Web
Date Sent: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-17
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Through out my entire loan navy federal has charged {$29.00} fees for being late and there was never an agreement of such fees. They are also charging {$29.00} for fee adjustments on both loans I have with them that has been going on through out the term of the entire loan. I can never seem to pay my loans off as they keep adding these fees.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Unauthorized & unethical withdrawal of funds in the midst of paying not delinquent on time payments after speaking to several agents who assured & misinformed me of procedure. While literally in the middle of making on time payments, NFCU accosted funds on non pass due accounts. I use the " XXXX fund method '' of managing debt & so my young child 's lunch money account would not be affected by NFCU 's often egregious unauthorized access I was told by an NFCU agent to simply move any funds not owed into my Savings account. Unbeknownst to me until after my son 's school accounts were paid by check, upon reading a myriad of other complaints against NFCU 's underhanded practices, I checked my account, only to find that I was intentionally given misinformation by an NFCU agent. On XX/XX/XXXX around XXXX EDT hen I inquired about this - & several other issues - that seemed to contradict info given me, I had several agents agree & transfer me to a supposed Supervisor who was rude & abrupt & hung up on me before I had an opportunity to even ask a single question. Ever bit of my XXXX school age child 's lunch funds stipend of {$60.00} plus dollars had been taken without authorization leading to the epitome of un-integrity. To have a supposed Supervisor whose very job is to serve customers, hang up on me so abruptly was inconceivably unprofessional, especially in an organization owned my members. I had the names of every previous agent, yet when attempting to find out who said rude, unprofessional, utterly unconcerned NFCU agent to make the deplorable treatment known to her department head, all of a sudden there was no one willing to do their jobs & connect me with the agent who perpetrated such utterly incomprehensible action. There is ABSOLUTELY NO excuse for treating ANY customer in that fashion, & I will leave no stone unturned to have that lacky made accountable for her actions! Her treatment was UNACCEPTABLE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32082
Submitted Via: Web
Date Sent: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have repeatedly been called by people representing Navy Federal Credit Union ( XXXX ) -XXXX. I was called multiple times in regards to two separate people on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. On Three occasions I have spoken to XXXX and XXXX ( shift supervisor ) and today I spoke with Mr. XXXX. Me XXXX said I would continue to receive calls because of the skip services they use to find members. I have repeatedly asked for my phone number to be removed and for all calls from them to cease.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-16
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: I have attempted multiple times to address this error with Navy Federal Credit Union ( NFCU ). They are now in multiple violations of the Fair Credit Reporting Act ( FCRA ). NFCU needs to delete this innacurate information from all 3 of my credit reports immediately. I have a settlement agreement with NFCU entered on XXXX XX/XX/2018. I have attached a letter to prove this. This letter summarizes that I have made timely payments in accordance with our agreement. I have made three payments thus far. Initial balance with them was only {$19000.00}. They continue to report inaccurate information such as the following on my 3 credit reports : " charge off '', " no payments '', " late payments '', " balance due of {$26000.00} '', " placed as bad debt '', " placed for collection '', " collections '', collections and skip '', " charge off '', and more, on all 3 of my credit reports. I have a sample attached from my XXXX report for verification. I have made 3 timely payments of {$320.00} a month, and my balance owed is now only {$18000.00}. FCRA Violations : # 1 : " Reporting a debt as charged off when it was settled '' # 2 : Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. Lastly, each time I have tried to dispute this matter and have it updated, these accounts have been negatively " re-aged '' .... # 3 : Re-aging a debt, credit card or other past due accounts resets the collection limitations clock and may give collectors and creditors a fresh start. Creditors DO NOT have to re-age past due accounts, but when they do without your permission or payment, their actions is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, if the re-aging constitutes false information furnished or transmitted to a credit reporting agency. Re-aged debts restarts a statute of limitations on collections and is not legal. Please assist me and remove this immediately from all 3 of my credit reports. It has now harmed me financially by not being able to qualify for a Veterans Affairs Mortgage, even though I am a XXXX XXXX XXXXXXXX Veteran. The additional amount of money in rent I will now have to pay over the amount of VA loan mortgage will total over {$180000.00}. During the lifetime of a 30 year loan, even though I have attemtpted to do the right thing in fairly resolving this debt with NFCU, this is devastating news.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A