Date Received: 2017-11-08
Issue: Excessive fees
Subissue:
Consumer Complaint: After moving over XXXX XXXX XXXX my then fiance, wife, now ex-wife and i consumed over {$50000.00} in debt. It has all fallen on me and i have no idea how to get out of this financial whole, need help!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38053
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-08
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/X/17 I went to the XXXX XXXX XXXX ( XXXX IL ) to get eyelash extension. However, services were rendered but everything that was requested was n't done. XXXX install the lashes. I specifically asked for XXXX lashes. She put XXXX lashes on me. I immediately told them I was unhappy and I wanted them removed. They sent me to another Stylist to replace them with XXXX. The next stylist stated that if she was to remove the lashes, by them being newly installed it would remove my real lashes. At that point, I requested a full refund and I was told that they 'll have the district manager to call me. I left to go to my grandmother 's viewing for her XXXX. The district manager XXXX called me and stated that she 'll be willing to give me a full refund. As long as I come back for them to remove their product. Keep in mind stayed there for 4 hours to leave disappointed. The 2nd stylist stated that the new lashes are too new to remove it would pull my real lashes off is why I did n't go back. I felt like I was racially profiled and that was the reason I refused to step foot back in that place. Gave Navy Federal my credit card company all this information and they refused to give me my money back after my dispute.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Today XXXX XXXX, XXXX Navy federal credit union took a past due payment of XXXX for my closed credit card out of a shared joint XXXX XXXX checking acct with no authorization and no notification. They refused to return the XXXX unless I agreed to set up a payment on the XXXX of XXXX! When I explained to them I would n't be filing a complaint and that they had no authorization from me or my XXXX husband to take that money only then did they say they would return it but only after I set up a future payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: My husband and I are victims of and had our rights violated after my husband ( who at the time was an XXXX XXXX service member ) received a XXXX $ auto loan from Navy Federal Credit Union ( which was his bank during his military service ) who then started harassing us a year after receiving the loan because we fell a month or two behind on payments. Navy Federal Credit Union began making false threats about debt collection against us, and made multiple threats to us stating " pay or be sued! '' Navy Federal wrongfully froze us out from our account all because we had a delinquent loan. Navy Federal Credit Union ruined our credit as they reported it to go on our credit reports and also added on a large amount of fraudulent fees to the delinquent loan which made our credit report appear very poor and it caused years of living of denial due to our negative credit rating thanks to XXXX XXXX. The overwhelming harassment and threats started in XXXX up until XXXX. We have our credit reports to prove this as well as a few other documents to prove we were violated by Navy Federal Credit Union. We believe we are owed money and were never properly notified due to recent moves and believe we are entitled to the settlement XXXX XXXX was ordered to pay out to customers violated. Please contact XXXX or XXXX XXXX at XXXX or by email at XXXXXXXXXXXX. our address is XXXX XXXXXXXX XXXX, XXXX Ohio XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45231
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: OnXX/XX/XXXX the Navy Federal Credit Union made an unauthorized withdrawal by check from my savings account in the amount of {$4600.00}. I first noticed that this transaction ( which I had not authorized ) had taken place on XX/XX/XXXX When I questioned the credit union by telephone I was told that the money had been sent to my ex-wife at her request. I have never authorized my ex-wife to withdraw money from my savings account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2017-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a XXXX XXXX bill that was n't mine and XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93705
Submitted Via: Web
Date Sent: 2017-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear sir/maam, I paid my Navy Federal Credit Union credit card account ending in XXXX in full by settlement that Navy Federal Credit Union offered me on XXXX XXXX XXXX. This account was opened in XXXX XXXX and last activity was XXXX XXXX. When I went to go by a home this year in XXXX I was shocked when my credit reported showed that Navy Federal Credit Union Documented and wrote the debt off as a charge off ruining my credit for years without notifying me. Thus, I paid large amounts more money for all items that I purchased on credit like my family vehicles. This debt was never a charge off. I have requested twice that Navy Federal Credit Union, XXXX, XXXX, and XXXX update my credit report by removing/changing the following by certified mail to no avail : Change any/all charge off codes to their algorithm, the status to be paid only, change balance to {$0.00}, change terms {$0.00}, account was not closed by Grantor request it was closed by my request when they took my money without notification, remove all the late dates, Remove the {$3200.00} written off as did not happen, there should be NO status of any charge off on my credit report. I would willfully volunteer to testify against Navy Federal Credit Union. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98311
Submitted Via: Web
Date Sent: 2017-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XXXX my family and I was living in a shelter someone there stole my bank card we was required to give our bank cards to staff to put away we was supposed to save money to get our own place in XXXX I went to staff to get my card and they stated it wasnt there I checked my online banking to see that my card has been used I called Navy federal and made them aware of the situation they said I had to make a dispute which Ive never done before I tried disputing everything but was told everything didnt post and to call back to dispute all the charges that didnt post so I had to call to dispute the remaining when I called I tried disputing all the rest which I thought I did but I guess I missed things that I thought I disputed in the first dispute my claim was denied and account closed because they said I failed to mention those other transactions that happened in between I tried explaining the situation to the lady who had the case and she didnt even care that I was victim I asked to speak to a supervisor was told I would get a call back no call I emailed the CEO and never heard anything back from them it is said I owe XXXX dollars to navy federal due to this
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89115
Submitted Via: Web
Date Sent: 2017-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I discovered that in XX/XX/XXXX that someone I was dating was stealing from me. I immediately contacted the police and filed a civil suit simultaneously. As I started to review the drafts on my bank account and credit cards. I had discovered that this individual had been making charges and also fraudulently opened accounts. In the month of XX/XX/XXXX, I also hired my own private investigator and later found out that Navy Federal had allowed this gentleman to obtain checking and savings accounts with me as his sponsor without even notifying me. This individual also has called in checks off of my credit card and actually had an alternate credit card that belonged to me in his possession. When I opened this account for Navy Federal and called to activate the card they told me that I qualified for a different card with better rewards. The agent told me that he would cancel this one and send out the new one. I later find out that Navy Federal did not only did not cancel the card but gave it the same number so when I activated the XXXX XXXX XXXX it activated, the other card that I disposed of was activated as well. I actually have proof from Navy Federal that this individual fraudulently called in a check to pay the bill for another card that he fraudlently opened in my name with XXXX. I have proof of my travel through the month of XX/XX/XXXX through early XX/XX/XXXX that I was in XXXX, IL, but multiple charges were made throughout North Carolina and yet Navy Federal still refuses to reverse the charges. I would like to be given a fax number to send all of these documents at when I try to upload it keeps saying file size to large.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2017-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Complaint # XXXX was not addressed at all in Navy Federal 's XX/XX/XXXX response. What NFCU did was blocked out the bottom half of my complaint and just address the top introduction. XXXX is CONNIVING and SLICK. They need to be severely monitored on a monthly basis. Here I am today still trying to get some help and relief from this credit union giant. Navy Federal is charging me an astronomical amount of interest on a debt Ive been trying to rectify for 9 years. I defaulted on a loan in XX/XX/XXXX and it was sent to collections. In XX/XX/XXXX. I was able to get on a payment plan to pay a little over 14K and have been paying faithfully to this day. In XX/XX/XXXX, I called and requested my balance and pay off information and was sent aXXXX balance. I then sent a letter inquiring how they came up with this figure and was told in their reply that in my court drawn agreement it states the balance of XXXX shall be paid in full with interest at the contract rate. Therefore cumulating an unknown daily, monthly and or yearly interest rate of 12 %. The discrepancy here is that the court agreement does not state per annum or any other monthly or daily term, so this is falsely applying inaccurate interest to my debt. Meanwhile in a later response to my CFPB compliant they state that Navy Federal charges daily interest on my unpaid loan balance. The discrepancy here is the agreement does not state that either. This is also falsely applying inaccurate interest and a discrepancy, therefore price gouging my debt. If the court agreement is supposed to be 12 % per annum then why am I being charged daily interest as well ( Please see CFPB complaint response and court agreement ) In the letter dated XX/XX/XXXX, the attorney states, your monthly payment are still far less than the original payments you agreed to in the promissory note, the large amount of interest on your account is due to a combination of your relatively small monthly payments and the long period of time during which you were not making payments. Moreover, NFCU and their attorney has never sent any statements, receipts or invoices of payments made, which should also indicate the interest that was accruing. There is a variation of ways that theyre charging interest to my account, which is erroneously charging me interest all types of ways. None of above underlined are in the court agreement. If this is a charged off account why does NFCU still have this 9 years old defaulted account on their books and in their systems and dont send out statements or invoices. NFCU and their attorney can see the date and amount of every payment Ive ever sent in and yet they dont send statements to me to let me know my payment was received. If I had been receiving invoices I would have known long ago I was bring charged extremely high and erroneous interest and I still dont know how theyre calculating it. The account balance that was sent to collections was {$14000.00}. I have made {$14000.00} XXXX dollars in payments since that written agreement. In XX/XX/XXXX, I called the firm to request an account balance. They sent me a whopping balance of {$19000.00}. This balance can not be right. In the agreement it states, the balance of {$14000.00} shall be paid in full with interest at the contract rate. The contract rate is 12 % and since the contract doesnt state contract rate per annum it shouldnt be applied, thats not fair. The collections balance of {$14000.00} times 12 % is not the now XXXX. The written agreement does not state any terms or expiration. Im seeking a full adjustment in the amount {$1600.00} My formula XXXX x 12 % = XXXX + XXXX = XXXX - XXXX = XXXX Im asking the following questions. They havent provided me with any answers to my questions, which are listed below : How much can we come up with to close this account out with consideration of XXXX already paid? What would my monthly payments need to be to eliminate the daily, monthly or yearly interest? Can you send me the Navy Federal terms in which it states or underline in the court agreement where my debt is accruing daily interest on the grounds of me making relatively small monthly payments and the long period of time in which I was not making payments. Please send me this information. Can you mark in the court agreement where its states that since my payments are far less than the original payments I agreed to in the promissory note that all my payments are interest payments? Please send supporting documentation. Have I ever been late or missed a payment? If so, please send supporting documentation. Can you send me any supporting documentation in which it states that the original contract is still in effect alongside the court drawn agreement until paid? The latter drawn agreement supersedes the original, correct? How am I to interpret the statement the balance of {$14000.00} shall be paid in full with interest at the contract rate to mean daily, yearly and or monthly interest? The court agreement does not state interest per annum, thats a discrepancy nor does it indicate at the interest rate terms of the original agreement, thats a discrepancy as well. Its like you know and Im supposed to figure out thats what it meant. XXXX x 12 % is only an additional XXXX. How am I to interpret the statement Defendant agrees and Plaintiff accepts payments of {$100.00} per monthfor 12 months thereafter payments shall increase by {$25.00} per year to mean if my payments arent at least equal to my original contract payments then all my payments are interest? ( all 14k plus is interest ). This is a discrepancy. Its hidden or made up as we go a long and I was never made aware of this until XX/XX/XXXX. This is wrongful doing! Do you see how unfair and one sided this is in my sight? This is why Im writing to just put yourself in my shoes for a moment. What would you do if you were me? How would you feel? How would you handle this if you were me? What would you recommend that I do? If this were you how would you want to be handled or treated? All I have ever did was try and pay what I owe and have done that and thats not enough for you. Why? The resolution I am seeking is relief from this interest and to close this collections account permanently, at best offer and resolution I still owe a balance of {$1600.00}. Thank you for your consideration. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A