Date Received: 2017-12-28
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Back in XXXX XXXX both my fianc at the time and I decided to split. We were high school sweet hearts and honestly we didnt know much about credit and how to use credit responsibly. My payment history was always on time prior to us splitting up. The problem was that I was always used to having two incomes ( mine and hers ). Transitioning into having one income I was truthfully over my head with utilities, rent, truck payments, medical bills as well as fullfiling credit obligations. I became depressed and ended up having to leave my job. I voiced my problem by which then the representative showed empathy but they couldnt do much else for me. My intentions were to pay my debts as agreed but my only options at that point were to either file bankruptcy or leave my debts unpaid until I could pay them. I now understand what it is to be responsible with credit and paying debts as agreed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In XX/XX/XXXX, fraudulent charges were made to my account, which were disputed. Navy Federal Credit Union has made me responsible for these charges despite my efforts filing a police report and fighting the charges with the creditor. Navy Federal opened a new checking and savings account afterwards to which I have been using for over almost 2 years. I deposited a payroll check on XX/XX/XXXX, which was a temporary check from my employer until he received more business checks. The check was marked as fraudulent but I discovered that it cleared after receiving a statement in XX/XX/XXXX. After many calls to NFCU, I was not allowed to speak to security, my account access has been barred, my account was placed into deposit only status, and I now am responsible for paying off the former account before I can access any accounts. Nevermind the fact that I have to transfer funds to my XXXX child in XXXX across the country, ca n't use my account for normal reasons, paying bills, getting gas, ect., having disconnect notices for utilities on the table and the only branch is a 2 hour round trip for me. NFCU has made my life a total living XXXX WRONGFULLY!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2017-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hello, I 'm a military service member currently serving overseas in XXXX, XXXX who made a huge mistake and now is a victim of fraud and being brutally scammed. Back in May of this year I received a message via facebook messenger from a woman who was asking if I needed help paying off my debt or making extra income. I ignored the message for quite some time and then when XXXX rolled around I had actually been about {$800.00} in debt and was a little desperate and frustrated so I went back and got more information on the process. She lead me to her " boss '' who goes by the name XXXX XXXX XXXX. Him and I messaged back and forth about the process and I took the risk and that 's when things went down hill. Now before I confuse you, let me mention that this male is promoting himself on XXXX and telling service members he can help pay off their debt and make extra income. This has also happened to another service member within my company a few months back by this same male, XXXX XXXX XXXX. From the evidence I have, XXXX is currently in the states in Illinois. Around the last week of XXXX was when all of this took place. XXXX messaged me and told me he could help me pay off my debt and I so the first thing he did was ask for my log in to check out what exactly I needed paid off. That 's where I was oblivious to the fact that he was actually in my account now. The first thing he had me do was make a transfer of {$1900.00} from my XXXX XXXX account to XXXX XXXX. He had put the {$1900.00} into my checking account himself and that 's how I got the money to make that transfer. He told me that the money was going to his " security clearance '' and that 's how we paid them so that they would help him, help me pay off my debt. He made me send it as a cash pickup. After this transfer was made he had me making these huge transfers of money everyday for almost 4 days straight. When i was making these transfers he was giving me names to send the money to and the location of wherThe reason I think I had been brainwashed was because he was n't taking any of my own personal money through the process and on XXXX XXXX he cleared out my debt for me and said the process was complete. I could n't believe that it actually happened at the time until the next morning of XXXX XXXX, I woke up to alittle over {$9000.00} in debt. There was about {$5000.00} In my credit and he put a XXXX XXXX XXXX loan into my account of {$4000.00} that I did not sign for or take out. I then realized I made the huge mistake and was being scammed. I messaged him multiple times asking what happened and the moment I told him I was going to report him, he blocked me on XXXX and I had no access of getting ahold of him anymore. I immediately went to the XXXX XXXX XXXX on my base as soon as I got off work and reported the situation. We went on my account and did a fraud claim on my credit and also on the loan and sent it up to the security department of XXXX XXXX to investigate my account. We changed all of my passwords and usernames and refreshed my whole account. My credit card and my debit card were both destroyed that same day and I was given a brand new Debit Card, but did n't get a new credit card until we heard further into the investigation just to be safe. We came to the conclusion that he was putting fake money into my account and receiving the real cash when he would pick it up from XXXX XXXX, which is how he scams people and makes all of his money. I also went to the military police on base and made a police report and also called XXXX to talk to an Agent and open up an investigation to get more help. I also got in contact with XXXX XXXX to ask about the make who picked up the cash and they were able to track down the confirmation numbers on those pickups. So with that being said I have 4 different confirmation numbers written down and a case number to report to the local police department for further investigation on the male. XXXX XXXX, I looked back into my account and saw that {$410.00} was put on my credit card and all of the purchases were made in XXXX and XXXX. I did not have a credit card at this time because they destroyed it and It. I immediately went back to the XXXX XXXX XXXX on my base and reported another fraud claim. XXXX XXXX, they adjusted my account of all the fraud on my credit card and took it off of my account. XXXX XXXX, I received an email that said they DENIED my loan and are now making me liable of money that is n't mine and a loan that I gave no permission to take out. 2 days later on XXXX XXXX, I look back on my account and saw that another {$5000.00} loan was put under my name in my account. Again, I immediately went to the branch and reported the fraud and filled out a fraud claim that was sent to the security and loan department, XXXX XXXX, I still have n't heard anything back from XXXX XXXX at this point and went back to check my account again and saw that XXXX XXXX had reversed all the money they adjusted on my account and are making me liable for the fraud that was made in XXXX, plus the money that I was scammed on from XXXX XXXX XXXX. Now they are making me liable for almost {$10000.00} worth of money that is n't mine and that was impossible for me to even have considering I did n't even have a credit card for a whole month when he fraud was taking place. The same day I emailed XXXX XXXX through Emessage and sent 3 different emails considering my case of my Credit Card fraud and each Loan. XXXX XXXX has yet to reply back nor even read my messages and it is almost the end of XXXX. I am now paying almost {$400.00} of debt that is n't mine nor that I can barley afford because XXXX XXXX does n't want to communicate with me and wants to deny everything against me and make me liable of something I did n't do. Also on XXXX XXXX, it was only the 2nd time I heard from my Agent from XXXX who took on my case and was basically told that they could n't do anything else for me because I gave out my information and they are saying that I basically gave this guy permission into my account. But I never gave him permission to scam me or take loans out under my name. I made a huge mistake that I 'm now learning from and regardless this still is a scam and a huge mess of fraud. XXXX XXXX, I went back to XXXX XXXX branch to ask if it was possible to do a loan consolidation on my credit and 2 loans so that it would be easier for me to pay since XXXX XXXX wants to make me liable. I called the loan department from the branch phone and they said they would be able to do that for me considering my situation. The next day I go back into the branch to get an email that says they DENIED MY LOAN CONSALIDATION. Now XXXX XXXX has denied me twice for something I did n't do and still has yet to contact me on any information. This process has been going on for almost 3 months now and nothing has been positive about it. I have went broke, been overdue on my own bills and am being forced to pay on this money that is n't mine and its slowly ruining my credit score because I can barley afford to pay it monthly. XXXX XXXX, I went to the XXXX XXXX XXXX and talked to a financial counselor because I was out of options and help at this point and she helped me out a lot and recommended this website and to report my complaint and my story to get more help. And lastly, on this day that I was sitting with my counselor we were looking back on my account and the evidence I have and noticed a account under my name at XXXX XXXX in XXXX XXXX, California, that XXXX had made under my name when he was in my account at the time in XXXX. I was not aware of this until the day I had talked to my financial counselor and I am making the call to XXXX XXXX to explain my situation and hope that they will understand and cancel that account. At this point I am completely drained and hopeless but I have yet to give up on finding resources. All that I want is to feel like XXXX XXXX is on my side and would actually take this seriously because I feel completely blown off by everyone and have no hope and just need help on what I 'm supposed to do from here on out. PLEASE HELP?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-24
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: Navy Federal Credit Card was removed from my XXXX Credit Bureau report in XXXX. As of today this account is appearing on my report once again. I contacted the creditor Navy Federal Credit Union and they agreed to remove this account do to major discrepancy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2017-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-23
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 contacted Navy Federal several times advising them that they have a written off account that is not mine and is reflecting on my credit report I was never responsible for the account and requested many time for them to delete the written off account since I was an authorized user and not the account holder but as of today 's date they have refused to delete the written off account from all 3 credit bureaus this is not my account and I was never liable to pay for this credit card nor did I ever sign anything pertaining to this. If I was responsible for this account i would have never been an authorized user I would be a joint account holder. I have never received a bill pertaining to this account in my name and as of today 's date I was never contacted. I am still trying to understand how can I have a written off account when I was never contacted to get an account current. This is causing my credit score to be lowered.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2017-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-22
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: -vehicle was towed -on date vehicle got towed registration expired so i could n't get it out only the lien holder who had title due to rules at tow yard -the lien holder who navy federal credit union -the tow company sold vehicle -navy federal is trying to not accept responsibility by saying i still must pay for the car -in addition they claim they never got a title which is a lie due to the fact the dmv has proof of electronic title -also navy federal stated that they never received mail from tow yard stating car was there which is a lie post office has proof of delivery -then are trying to give me a rake hike due saying the do n't have title -i am stuck with no car and having to pay for car plus cant get another car
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2017-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-22
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I am a member that was affected by the disgusting and illegal debt collection practices Navy Federal Credit Union conducted. The XXXX ruled that Navy Federal Credit union compensate " members '' that were affected by their disgusting and illegal debt collection practices, such as locking me out of my checking account if I missed one credit card payment. I contacted Navy Federal Credit union to alert them that I was a " member '' affected by their disgusting practices ; and I was told by a supervisor that they would audit my accounts affected and I would receive a letter in the mail. 13 months, and several attempts to contact Navy Federal Credit union about the matter I still have not received a letter nor compensation. My question now is did Navy Federal Credit union contact all " members '' alerting them of the XXXX ruling? Why did I not receive a letter?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92277
Submitted Via: Web
Date Sent: 2017-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-22
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: On XX/XX/XXXX, I reported fraud on my account to my then banking institution of Navy Federal Credit Union ( XXXX ). Following the report, On XX/XX/XXXX, I was contacted by XXXX XXXX who identified himself as a fraud investigator with XXXX. I explained to him the circumstances of the fraud, and he asked that I be completely honest in my accounts surrounding the compromise of my accounts. As he stated I see this type of account fraud and usually the people who commit the fraud are the ones who never get caught. I became very candid at this point about my stupidity in believing I was getting approved for a XXXX XXXX that would be deposited directly into my bank accounts providing I had account with the required bank of XXXX, as this would allow loan funds availability the same day as the deposit. After providing all the necessary information on the fraud, filing a police report, providing the name of the XXXX XXXX Police Detective on the case, and forwarding the sales ad for the quick loan, XXXX XXXX then began to act in a very unprofessional manner. After refusing to discuss the fraud on my account, he stalled a cashiers check for my rent payment from cash funds deposited in my account prior to the time the fraud occurred. My rental office called and advise they were unable to collect funds on my XXXX rent money order given to them weeks before the XX/XX/XXXX. Additionally, XXXX XXXX took it upon himself to then reverse two XXXX credit card payments that I made from my outside account with XXXX XXXX transferred into XXXX. I am liable for the credit cards but as a means to impair my credit standing, XXXX XXXX attempted to prevent fair access to make payments on those debts which is a direct violation of the Fair Credit Reporting Act. Additionally, the checking account that XXXX XXXX froze from use because of my account being compromised was allowed to continue drawing an overdraft fee for a direct deposit business line associated with that account. If no direct deposit was made, a fee would be charged. Since the account was not accessible to me until the fraud cases was settled according to XXXX XXXX, I called in to ask XXXX XXXX on two separate occasions to remove the direct deposit business line since I had no access for my direct deposit to flow into the account. I however was refused by XXXX XXXX per customer service. As a result, the outstanding {$5.00} was used as a reason to charge off the account. XXXX XXXX refused to accept a transfer from my outside account to be applied to the {$5.00} overdraft and he refused to remove or change the direct deposit line of service from the account. However, XXXX through XXXX XXXX has allowed the payments from the same outside account to resume for the credit card payments owed to XXXX. This investigator has abused his authority with creating impediments for me to settle the final debts that I am liable for with XXXX as a means to cause a negative credit report rating with the Credit Reporting Agencies. If I had not been able to catch the last credit card reversal, as I avidly monitor my credit and payment history, I would be disputing two 30 day late payments on both credit cards at the negligence of XXXX XXXX and seeking penalty per negative occurrence from XXXX as a result of XXXX XXXX violation of the Fair Credit and Reporting Act ( FCRA ). Going forward, I accept that XXXX has refused to reopen this account until this case is settled, I accept that my account is no longer accessible to me, However the refusal to accept payments on a consistent basis and the refusal to remove a business line that incurred fess on an account that has been in accessible since XX/XX/XXXX and then refuse me access to pay the fee and closed the account as a charge off in retribution of the fraud that occurred on my account by an outside perpetrator is certainly an abuse of power and a violation as explained early. Whether the charge off was {$5.00} or {$5000.00}, it still negatively impacts my standing at a banking institution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2017-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a cash reward card with navy federal credit union .I received the card in XXXX of this year. my first payment was in XXXX this year. minimum payment {$20.00} but I pay {$50.00} a month. since I have the account I have paid {$200.00} on the account the amount Is still at {$400.00}. plus the money that receive from the reward card from the purchase that I made. from using the card have been added in the the amount that I owed from card. the reward card was {$500.00}. I had spend All most all the money before I started to make payments on the card .and I know by me paying more each month on that account. that the extra payment should cover whatever charges that they are charging me each month.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2017-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-21
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XXXX XXXX XXXX, I had fraud committed against my checking account. The security of my bank did not have measures in place to prevent this from happening. Due to this my account was depleted of all funds. The banks security department had to conduct an investigation that took an unprecedented amount of time. I finally was able to recieve all of my money back on XXXX XXXX. Due to this lengthy investigation process I was behind on some of my bills that were auto-draft. Those creditors applied returned check fees totaling {$290.00}. I have tried working through my bank to recoup those fees and have not had any resolution. I claimed these fees on XXXX XXXX and as of today have been informed by my bank that this investigation is still in progress. I have already paid those fees to those creditors. So as of now I have paid {$290.00} in fees due to a poor security department and an unacceptable investigation process.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76548
Submitted Via: Web
Date Sent: 2017-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A