Date Received: 2018-01-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a NAVY FEDERAL BANK ACCOUNT CHECKING SAVINGS MONEY MARKET I HAVE NOT RECIEVED MY MAIL APO OR A DEBIT CARD
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AA
Zip: 99336
Submitted Via: Web
Date Sent: 2018-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: As a result of the actions by Navy Federal Credit Union ( NFCU ), which include their blatant violation of your very own Consent Order File No. XXXX, before the ink was completely dry. The NFCU violations not only include your item # 76, their corporate, collections and mortgage personnel went to violate stipulations throughout your court order and clearly after your court actions concluded. Please see the attachment as well as sending me whatever documentation you need from me to grant you legal consent to subpoena any and all of my NFCU bank ( credit union ) records as a result of receiving my endorsement signature. Although I was planning to accept an offer for a new career opportunity or me and my family, I was compelled to incur a tremendous financial loss wen selling my property in a normal sale, with subsequent elements of mortgage fraud by the greed and collusion of the following persons : Broker XXXX XXXX, License ID : XXXX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX , XXXX , CA , XXXX and Salesperson XXXX XXXX XXXX , License ID : XXXX, XXXX XXXX XXXX, XXXX XXXX , CA , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, both of whom conspired to each defraud me out of {$8700.00} each for a total of {$17000.00}. These actions include a devastating delay in real estate services while XXXX XXXX travelled to XXXX while I waited for her to return and complete her job. The violations of NCFU contributed to the result of diminishing the preferred amount of time I needed to find suitable buyers for my house which was worth far more than the lowered selling price.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Account was hacked and I filled police report, me nor the officer and get in touch with the investigator, whom seemed to disappear after I filed police report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27909
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I discovered around XX/XX/XXXX that Navy Federal Credit Union was reporting a Line of Credit loan in the amount of {$12000.00} on my XXXX, XXXX XXXX and XXXX reports that does n't belong to me. The account belongs to my mother, and sister. I never applied for nor co-signed for this loan. I was added to my mother 's account as a joint owner so that I can handle her financial affairs since she has XXXX. I disputed the account and received my XXXX dispute result on XX/XX/XXXX which Navy Federal reported to them that they were reporting it correctly. I called Navy Federal and spoke with the loan department and asked them why they 're reporting this account as if it is mine. They told me that because I 'm a joint owner on my mother 's bank account and have access to the Line of Credit that 's why they 're reporting it. I disagreed and told them this ca n't be legal and that I want it removed. They told me the only way they would remove it is if I dropped myself as a joint owner on the account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20646
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Original CFPB complaint number is XXXX requesting NAVY FEDERAL to validate/verify the claim that I owe them the debt of two credit cards according to the FDPA ( Fair Debt Collection Practices Act ). I mailed the first Notice of Dispute on XX/XX/XXXX for one credit card and the other Notice of Dispute on XX/XX/XXXX for another credit card via USPS Registered Mail. NAVY FEDERAL received my first Notice of Dispute on XX/XX/XXXX and the second Notice of Dispute on XX/XX/XXXX. This Notice of Dispute was to have NAVY FEDERAL to verify under oath that the credit card debt they claim I owe is a valid claim by signing the enclosed affidavit and/or addressing specific points in the notice and/or furnishing information that validates the debt. Although NAVY FEDERAL did respond to the Notices of Dispute ( s ) within ( 30 ) days ( XX/XX/XXXX and XX/XX/XXXX respectively ) they failed to verify and validate the debt. Response letters simply stated, This is a valid debt, and you remain responsible for its repayment with no signed affidavit, no explanation on their conclusion and no actual validation or verification evidence sent to me. Hence, this debt was not verified/validated within ( 30 ) thirty days and should have been removed from all three credit reports but has not. This is a violation of the FCRA ( Fair Credit Reporting Act ). Additionally, NAVY FEDERAL was not consistent in placing a notice of dispute on both accounts under dispute with all three credit bureaus within the required ( 30 ) day period. This is a violation of the FCRA as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On my credit Report, Navy Federal Credit has 3 separate reporting on each of the credit bureaus claiming that I owe them money. as follows : Car loan XXXX balance owed XXXX Checking line of credit : Balanced owed XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX Credit however, stated credit card was switch in XXXX XXXX to a low interest credit card resulting in closing the credit card. However would not give me exact dates I have requested multiple times for debt validation from the company and refuses to provide Hard copies of the agreements, Complete agreement or information showing that I agreed for them to close my credit card account and switch it to a low interest payment when I was never late. When I have attempted to make contact, they informed me that They could not provide me with original agreements, they do not have exact dates in the system of change over, could not tell me the interest on my credit card, car note and that they were not required to provide this information to me. Since My credit report has been affected by this and is constantly changing my report, I requested validation and never have been provided with documentation. They just keep trying to get me to agree to making payment on my account when I stated That I do not believe I owe an I want to know exactly where they are getting payment information from, what contracts they have proving I opened theses accounts and agreed for my credit card to be shut off and to a low interest payment. When I asked again for verification after they updated my report and changed the number again and asked them how are they able to do this, they stated when you dispute all we have to do is give the credit reporting agency you information and a balance. The agent also said we do n't have anything in our systems because it is too old. And when I asked why is information different on every report he said if I agree to a payment play the balance can be corrected and reports will update to reflect payment plan. When I refused and asked to speak to a manager he hung hung up. I also have asked several time to verify that my address. Navy Federal is purposefully damaging my credit since I began disputing, changing account numbers, reporting balance as XXXX once month then changing it the following month which keeps drastically changing credit report and Is causing me to be declined for everything. The also have been reporting to my credit that I am late every month when I have not used these accounts since XXXX and requested for my payments to be held per my insurance due to daughter being born XXXX XXXX and on Medical leave of absence. If you look through all of the attachments, You will see the different balances reported, amounts due, account numbers, and how every month something was reporting differently. This should be illegal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2018-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-12
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I received a letter titled IRS demand payment for a debt of {$1800.00} for my XXXX taxes. The letter contained my complete social security number in the upper right hand corner and stated that IRS has requested several times for funds in the first letter and I should pay-up immediately. Two months later another letter was sent to my XXXX XXXX XXXX asking me to pay up immediately. In XX/XX/XXXX, another letter came in through regular mail to my home, stating that I owed IRS {$2100.00} and if I did n't pay up immediately, 15 % of my social security benefits would be seized. I was told not to contact the Social Security Administration about the deduction from my social security benefits. I notified my credit union and Social Security Office, downtown XXXX about the threat. I met with the credit union and social security official and changed my account, in fear that my bank account had been compromised. On XX/XX/XXXX, my credit union account showed that my {$1100.00} social security benefit check was reduced to {$990.00}. I met with Social Security Administration on XX/XX/XXXX who explained that no such deduction had been made to my benefits by Social Security Administration, I was given a copy of my Social Security benefits for XX/XX/XXXXshowing that {$1100.00} was deposited. I than met with the Credit Union who said that no such deduction was authorized by the credit union and that the {$990.00} was deposit as is. I returned again, after discussing the deduction with my tax person, to the Credit Union and asked if any authorizations had come in demanding payment for the debit and I was told no. The credit union explained that when deductions are authorized by a creditor, the total amount of the deposited benefit is recorded and then the authorized debt is shown, in my case, the {$990.00} was the only deposit made. I went back to Social Security Administration on XX/XX/XXXX and asked again about the deduction. I was told that on XX/XX/XXXX, my {$1100.00} benefit check was sent to the credit union for deposit, the credit union sent the {$1100.00} benefit check back to Social Security Administration and on XX/XX/XXXX, Social Security Administration deducted XXXX. Social Security did n't know who deducted the funds on XX/XX/XXXX, but would send a copy of the authorization to deduct the funds in a couple of days on Social Security Administration stationary. No such notification has come in the mail as of XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2018-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had bill pay with Navy Federal Credit Union, I was paying XXXX XXXX and Paid the account out and they said it was a right of my records show paid in full, also XXXX starting send payment back and at some point the account number was change to another account number on which I did not owe any money, The record show they took XXXX from my account to pay and account I owe no money and one which had know bill pay to automatic monthly how it was done at the credit union I do n't know this fraud I did not authorize this payment and I want to recover my fund that should not have ben to them any way nor was it authorized.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23455
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-09
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: During XXXX 2017, I paid XXXX two payments for my XXXX package. They took more funds from my account than authorized. I submitted a unauthorized transaction to XXXX XXXX XXXX and asked them to put a stop payment on any other transaction by XXXX. Since this time, our account have been charge over {$48.00} in bank return fees for the same {$140.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened my account In Person referred by my fiance. I was approved for the account, I asked to have my documents mailed to a second address ( mail at our apartment goes missing and fraudulently used all the time ), they told me it was no problem. A week later my account was frozen. They told me it was because they did n't have verification of the address on the account. Apparently when i asked the branch to send my things to a seperate mailing address, they instead changed the address thats connected to my account to the address I requested as my seperate mailing address. I was not advised they were doing this. So I sent them proof for the new address ( its a home we just purchased XXXX XXXX ) but i was told to wait another week for a response- I never authorized them to actually change the address and I would have given them proof of address in person if theyd asked. if they told me they were going to update my entire address I would have told them not to. As a result, I ca n't see my doctor for needed prescription refills, its been a week since I ran out. There is a chance that they may decide to send me a request for more information as apposed to reopening my account. I was advised to go to a branch but i cant get off work, and this address change was never authorized. Please help me. My only recourse at this point is to start banking with a XXXX card. It 's been 2 weeks since I have had access to my account and I am not sure when i will be able to access it again, and they refuse to expedite it.
Company Response: Company believes complaint is the result of an isolated error
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A