Date Received: 2018-05-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received a promotional offer stating that if I used my credit card on any 5 purchases that total {$100.00} from XX/XX/XXXX-XX/XX/XXXX, I would receive a {$10.00} bonus as a statement credit ( within 90 days after the end of the promotion ). I made 5 purchases from XX/XX/XXXX-XX/XX/XXXX totaling {$110.00}. I waited until XX/XX/XXXX ... .when I should have seen the credit, as XX/XX/XXXX was 90 days. Then I waited for a statement or 2 more ... .no credit. On XX/XX/XXXX I called the bank issuing the credit card and spoke to XXXX, describing the situation to him. He reviewed my account and agreed I should have gotten the {$10.00} credit. He said someone would call me back within 3 days. No one ever called and I still have not gotten the credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: moneay XX/XX/XXXX I called my insurance company to get to get a refund of over payment of a check in the amount of {$620.00}, the insurance agent told me they need my bank statement in order for them to issue me a check the same day before cashing my check they needed to verify that when they deposited my check there was enough money in my account, they requested a current bank statement. I placed about a four minute phone call to navy federal to request statement be faxed to me, which they did then I faxed to my insurance agent which is the supervisor of that department. Later on I discover fraud charge on account of {$180.00} I called bank again to report. The initial person stated that my card was used online transaction she reordered new card said it would come via XXXX expedite shipping within 2 days, she then told me to enter new pin number into phone so it would be ready to use as soon as I got which I did follow the instructions, I was then connected to fraud department to continue with reporting, a man asked several questions and told me transaction was not done online but was swiped/ chipped I told him I was never on XXXXhe asked if I lost card I checked and still had card in purse and I don't believe any family would use my card. on XX/XX/XXXX I am doing web bill pay transaction and see there is a message dated XX/XX/XXXX stating investigation is complete and they are holding me responsible for charge located at store in XXXX, since I was already online with site open I immediately made call to bank since their message states " as a consumer I have the right to request any documentation that was used in the decision '' while I was requesting the " documentation '' on the phone I was also typing the request for the same documents on the website message system, I also stated that as of date new card has not yet arrive so she checked and said it was sent out via regular usps and needed 4-5 more days to arrive, I told her unacceptable I want my card sent via XXXX as I previously requested she once again placed order for new card stating she would cancel one enroute so it can not be used arp gain asking me to enter new 4 digit pin for the card because she noticed that the closest branch was such a far distance away from my address which I demand I would not do I would go to bank to active my card, I then requested that they provide me a letter on this and past reported cases of fraud by me that required a new card they responded with the new message on site that I would be the one to submit any evidence in the appeal process but they didn't provide to this day the documents I requested for their decision nor my request letter of which I also have proof that will be submitted
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Navy Federal Credit Union ( NFCU ) offered to reimburse up to {$500.00} in appraisal fee, pending that I used my NFCU credit card to pay for the cost of the appraisal. I received the request via mail and decided to use the promotional offer. The appraisal fee of {$450.00} was paid on XX/XX/XXXX using my NFCU card, and I closed on the property XX/XX/XXXX. According to NFCU, the money would be returned to me within six weeks of closing, but theyve failed to adhere to their policy. I called to follow up XX/XX/XXXX and was not able to get a definitive answer from XXXX ( MLS # XXXX ) which stated she would notate the account because I complained about calling multiple times.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
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: I started playing an online game. I made a few small in app purchases for {$4.00} to {$9.00} each. These purchases where made using XXXX XXXX. Thousands of dollars worth of charges have shown up on both of my Navy Federal credit cards. XXXX XXXX refunded a bunch of them on one of the credit cards but refused to on any of the other charges. I contacted Navy Federal and started the dispute process. They just sent me letters for each dispute saying that they're not going to refund the purchases, I did NOT agree to these charges, dozens of player 's on this game, from all over the country are being charged thousands of dollars that they did not spend. The display of incompetence and the supporting of this fraudulent behavior, displayed by both Navy Federal Credit Union and XXXX XXXX is beyond ridiculous. I have played their games, jumped through their hoops and they are still trying to steal from me. The app is named XXXX XXXX XXXX XXXX. It is a XXXX based game and they are over charging there player 's thousands of dollars. Navy Federal Credit Union and XXXX XXXX is enabling this extortion. I have spent dozens of hours of my personal time trying to resolve these issues. I seldom use these credit cards so I wasn't paying attention to the account balances going up over the 4 or 5 months that these charges where accruing. It is going to be nearly impossible for me to itemize these charges, as I have a XXXX from an XXXX in XX/XX/XXXX. I truly believe that both of these institutions are using this against me. My inability to sort out every XXXX, I get confused when I get stressed out and I'm unable to work through these things. Bottom line is I did authorize about {$150.00} to {$200.00} worth of charges, not {$10000.00} plus. I no longer have the mental capacity to play these XXXX games.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 847XX
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hi my name is XXXX XXXX. I am fed up with Navy Federal. I have been harassed by them for some time now. It has started a few months back as soon as I bought some family members on board. I had have a few incident where they have locked my accoutns for no reasons at all and I had to go to verify my account more than 10 times in less then a year of opening my account. I understand that its their job to verify but it comes to my attention that Im randomly being picked. I just recently had an incident where sponsored my dad and I was called by someone by the name of XXXX XXXX from Navy Federal and he asked me personal questions and I remember him asking me my birthdate and when I told him my birthday he told me that how can I not see if my father is listed on my birth certificate. I answered and told him that my father isnt listed on my birth certificate only my mom is listed. So he became aggressively sarcastic and disrespectful to where it began getting me XXXX but I kept my composure during the phone conversation. I called back to complain only to talk to a supervisor who didnt help me at all. It all happened because I sent over a check to my XXXX XXXX account and it was a check sent out to the main branch and not the XXXX XXXX number and I was my mistake so the check took didnt clear and I was told that I have to verify the check by XXXX XXXX but since I never receive the check, I told XXXX XXXX that I dont have a copy of the check to show it was sent under my credit card account. So XXXXXXXX XXXX called Navy Federal to verify the check and Navy Fed said the check was fake. Well someone from the security team at XXXX XXXX called Navy Federal and thats what was told to him. I had to go into to Navy Federal today to verify that it is me and my father had to go verify at Navy on Monday. We did that and his account was unlocked and I was told by XXXX XXXX at Navy Federal that mine will be unlocked. I thought that was the end then he continues to harass me and say things that have nothing to do with me. He said that going forward that any account that I sponsor that does shenanigans on their accoutns I will be held accountable for it. I mention to him that there is no one that I sponsored that is doing any shenanigan or will attempt to do any foolishness. Then his voice became aggressively loud so I kept my composure once again on yet another phone call. He tried to intimidate me with his voice and speak to me as if Im illiterate and dont comprehend. I have had issues in the pass with Navy Federal where my checking account went into negative XXXX and it wasnt my fault. I disputed charges where a company called XXXX XXXX XXXX XXXX charged me for more than a month and I cancelled their services within the 30 day time period. When I disputed the charges, Navy Federal said that there was nothing wrong with the dispute and I know for sure that I cancelled the services. It was months ago. Also I have had charges on my credit cards where I disputed the charges and they also told me that there was nothing wrong and I mentioned to them that the card was in my possession and that it was used. I didnt randomly place charges on my credit card. That credit card Cash Rewards. They never refunded me back my money. I have had issues with XXXX and renting vehicles. I was charged too much for a rental. I reserved a full size car and I was given a compact vehicle. I called into XXXX and they never took care of that situation so I called my bank to make them aware of those charges and that it was never adjusted at the time of the rental or there after. That was one incident with renting from XXXX and I let Navy Federal know that. Secondly I rented a compact vehicle some time ago and I was given a crashed car where the bumper was crashed in the back and the right side of the vehicle was also hit. Before I left with the car I asked the XXXX Manager is there any other cars he said no and I seen more than a few cars in the lot but maybe they were reserved for other customers at the time or day. So upon leaving the lot I was forced to take insurance on the car and was charged for insurance and they never compensated me back for that rental so I called Navy Federal and told them this same thing Im sendning now and I was told that there is nothing wrong with my dispute and charges were correct. How could I not dispute a product that I was given and the product was horrible, dismantle and hazardous to me and my family. The back bumper was coming off and the side attempted to come off because of the wind where it was getting in the way of me look through the side view little mirrors where I couldnt see. So I called in to XXXX to make sure that theyre aware but XXXX failed to cooperate and I called Navy and they failed to cooperate to. I know that if I payed for a product or service and its defective I should refunded or compensated back my funds, I disputed and Navy once again told me that nothing was wrong with the dispute. I just recently rented a car where the price was set at {$99.00} but when I got the email receipt, I noticed I was charged {$140.00} for the rental which was for 4 days and I was told it was {$99.00}. I called to dispute that charge and that they charged me more than what the price was. So I have had bad encounters with Navy Federal not assisting me or helping me in any way possible. I am fed up and I would like to take this to a civil court room if Im not given back or compensated my money for the defective product I payed for and how my bank is ignoring my disputes. Someone needs to give me my money back and I wont stop until I am given all my money back from either Navy Federal or XXXX and other companies that are on past statements. My checking account is now in the negatives, also my business checking account had the same problem. I am being harassed at Navy Federal every time and they wont seem to assist me. I am a XXXX XXXX XXXX and I shouldnt be treated like Im a criminal in any way shape or form. I shouldnt be discriminated against for any reason what so ever and I am willing to take this to civil court in front of a judge. I am sick and tired of being treated like someone who I am not. It is unfair to me as a human being.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Contact Date XX/XX/18 EveryDay Checking - XXXX Partian Loan Number *XXXX XXXX XXXX XXXX XXXX , CA XXXX The request was to reduce my mortgages on these two loans by applying money into the mortgage directly. The advised that one loan qualified and the other did not the loan that did qualify took several weeks to send me the paperwork. The interest rates were to remain the same along with the escrow accounts. Although, when I signed at a notary the documents didn't say this the payment was for principal and interest. The bank verbally assured me that this would be corrected. I do not trust verbal assurances as they turn into lies that the bak says never was advised. I have been on the phone and have requested this in writing many times. I am requesting assistance and Credit Union has continued to do as it pleases and is delaying this and costing me money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navy Federal Credit Union has charged off the debt and continues to report the debt as past due ; even though they have claimed it as a loss on their taxes and received credit for the past due amount. I have disputed this several times and they refuse to remove the past due amount from reporting. They have even tried to increase the amount owed! I want the past due balance removed. Companies can not simply write off a debt and continue to try and collect it once they have received a credit for it. Therefore, they need to remove the past due amount.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-19
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: To Date Navy Federal credit union has not removed over 10k in fraudulent charges on my credit card. They were negligent in allowing someone to open an account stating they were my spouse without any proof. Navy Federal also allowed this individual to call in a check off of that credit cards to pay other fraudulent accounts. Navy Federal actually took the charges off then put them back on. I have read other reviews with this being done to them also. I am seeking a group to move forward with litigation as a whole and also whom are interested in seeking damages and emotional distress. I have followed their process and gone through all of the steps including the process with the police and still Navy Federal has not removed the charges. I have also found 2 others whom have had this done to them as well. They have asked me for documentation and I have sent it. I also sent a message stating I had reason to believe the crook had been selling off my information to others and I have had no response back from them at all. Anyone who can assist us with getting this information in front of the attorney general is greatly appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2018-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-17
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: XX/XX/XXXX I was told via written letter that after reviewing everything Navy federal still finds me liable for the balance. On XX/XX/XXXX I called to confirm their decision after I filed claim with CFPB and they said the letter sent out is correct and that is their decision. I want to know why is Navy being dishonest with CFPB by not notifying them that they are no longer working on the issue anymore since XX/XX/XXXX they made a final decision??? I have attached the letter they sent me with their final decision.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2018-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-17
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: On XX/XX/XXXX, after mailing several dispute letters that went unanswered, I initiated a dispute process for several charges that were made to my Navy Federal Credit Union Credit card. The charges totaled {$3300.00} and were for merchandise ( XXXX in-game credits and virtual currency ) that was never received. I received a letter from Navy Federal several days letter stating there was no billing error and I would be responsible for the charges. I then contacted a Navy Federal customer service rep on XX/XX/XXXX who requested I provide additional information regarding my dispute. As requested, that same day I submitted to Navy Federal a copy email correspondence between myself and itunes and screenshots showing the merchandise was never received. On XX/XX/XXXX Navy Federal sent me a letter again denying my dispute in direct conflict with the FTC 's Mail, Internet, or Telephone Order Merchandise Rule. I attempted to contact the person in charge of my dispute, XXXX XXXX, as well as her supervisor and was told both are " unavailable ''. I left a voicemail for XXXX XXXX, but have not received a returned call.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94596
Submitted Via: Web
Date Sent: 2018-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A