Date Received: 2017-07-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Timeline of Events for Unauthorized Credit Card Navy Federal Credit Union Access # XXXX Account # XXXX Opened XX/XX/XXXX Two credit cards were opened ; one for XXXX XXXX the other for XXXX XXXX XXXX XXXX was designated as Primary ; XXXX XXXX was designated as Secondary all under the same account These credit cards were Visa Signature Rewards Cards Neither card was signed for by XXXX XXXX ( believe this was opened electronically and digitally ) XXXX XXXX never once was in possession of either card nor made any transaction with any credit card Payments were made periodically for approximately 9 months while XXXX XXXX and XXXX XXXX were living together Living location was XXXX XXXX XXXX XXXX . XXXX XXXX, Virginia XXXX Account went delinquent approximately XX/XX/XXXX XXXX XXXX upon realizing account was in his name files a police report for fraud with the XXXX Police Department Economics Crime Unit approximately XX/XX/XXXX XXXX XXXX also signs an Affidavit of credit card fraud and mails to Navy Federal Credit Union approximately XX/XX/XXXX. Navy Federal Credit Union Fraud department receives Affidavit and police report and conducts investigation XX/XX/XXXX Navy Federal Credit Union responds to XXXX XXXX with a rejection XXXX XXXX claim of fraud stating that credit card was opened almost a year ago and XXXX XXXX was well aware of all the charges since investigation traced back all to same address and that XXXX XXXX had signed on to his account countless times and only notified Navy Fed when card went delinquent. Essentially Navy Federal couldnt accept incognizance of XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11570
Submitted Via: Web
Date Sent: 2017-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: Navy Federal Credit union does not want to connect with XXXX XXXX account. If tells me my login info is incorrect but it 's not
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98404
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: My complaint is for an insufficient funds fee of {$29.00} that NFCU charged to me on XX/XX/XXXX. They claimed that a company by the name of XXXX XXXX attempted a withdrawal in the amount of {$45.00}. Being as though this is a secondary account the funds are kept minimal and since I was not expecting a debit, the funds were low. I get an unexpected notice of an item being returned. I contacted the merchant twice and both reps told me they did not attempt a withdrawal as my last request for XXXX XXXX XXXX was on XX/XX/XXXX and I used another account that went through successfully. I feel as though NFCU is erroneously stating that XXXX XXXX attempted the withdrawal and then charged me the fee. Normally a company tries at least 2 times to debit a payment and another tempt was n't even paid. I even transferred funds in the account in the event they did.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
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 contacted Navy Federal on Saturday XX/XX/XXXX. They will not credit my account for fraudulent charges that were made to several retailers. The largest retailer being XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-25
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XX/XX/XXXX CFPB Case # XXXX XXXX and XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX Please review the updated response/request from NFCU once my Payment Protection Plan Eligible was applied for the timeline in question. I dont know what to do next. I called NFCU about the status of posting the XXXX XXXX Funds to my NFCU account and to inquire as to why XXXX XXXX XXXX are still handling my account and planning to take me to court after the money was clearly posted and I clearly qualified for protection during the cancelation period. It is very frustrating that NFCU is not honoring that I qualify for coverage and my accounts should not be in collections. NFCUs response to my dispute in was : Coverage was canceled on XXXX XXXX Home Improvement Loan ending in XXXX on XX/XX/XXXX and coverage on the XXXX Account was canceled on XX/XX/XXXX. However, if the protected event occurred while XXXX XXXX coverage was in effect, she may still be eligible for Protection Activation. On XX/XX/XXXX XXXX XXXX XXXX initiated the contact to XXXX XXXX about my protection coverage. On XX/XX/XXXX I received a letter from XXXX XXXX stating Your credit union has notified us of your XXXX Please complete and submit documents On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stated that After a review of my request for Benefits for XXXX ; payment on my account have been WAIVED for the period of XX/XX/XXXX through XX/XX/XXXX. Now NFCU acts like the situation is resolved and it is not. I spoke with XXXX XXXX at XXXX XXXX Now that the XXXX XXXX has been posted, the ball has dropped again. The dates are in the timeline of the cancelation on my NFCU Accounts. XXXX XXXX XXXX stated that the situation was out of his hands and that he would reach out to a supervisor. I have constantly stated that I have every intention of paying my NFCU Debt in full however, it is clear that my accounts should not have gone to the outside collection agency of XXXX XXXX XXXX. I still have to communicate through XXXX XXXX XXXX for a payment arrangement that would not have come to past if the XXXX XXXX was posted as stated by XXXX XXXX Branch. Im not satisfied with the resolution. My court date is XX/XX/XXXX in XXXX County at XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-25
Issue: Getting a line of credit
Subissue:
Consumer Complaint: This complaint regards predatory lending practices by Navy Federal Credit Union ( NFCU ) and has come to my attention by way of my XXXX sons who attend the XXXX XXXX XXXX in XXXX XXXX, NY. This issue is not isolated to this Academy and is likely the same at the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX. Most XXXX are encouraged to become NFCU members during indoctrination as the credit union is the only bank with a branch on campus. As part of their curriculum, XXXX must XXXX a minimum of one year on a XXXX XXXX XXXX XXXX and are required to establish accounts at NFCU to have their their earnings directly deposited. Please see the attached Navy Federal Credit Union " Merchant Marine Academy Career Kick-Off Loan Program '' application. This particular loan program is offered to any student in their XXXX or XXXX year ( XXXX or XXXX XXXX ). The only disqualifying criteria seems to be having another similar loan in existence. Due to the rigorous demand of the Academies most student do not have outside jobs. NFCU is offering loans up to {$32000.00} to individuals without income and the ability to repay and with minimal or no credit history or experience with debt. Should a XXXX accept the loan and then fail to graduate ( as many do ), separate from the military or fail to maintain a checking account at NFCU with Direct Deposit the loan reverts from the 1.25 % teaser " to the prevailing signature loan rate. '' This rate is not disclosed on the application. I asked my sons if they or any of their friends at he Academy knew what that rate might be. No one knew. I searched NFCU 's website for this rate. It is not published. I called the number on the application, XXXX XXXX XXXX XXXX and asked myself. At first, I was given a range of APR rates for the wrong term loan. Upon further clarification, I was finally given the prevailing signature loan rate for terms over 36 months at 13.95 % -18 %, based on credit score. I asked what a likely credit score would be for a XXXX year old with no job and no prior history and we agreed that it probably would not be qualifying for the lower end of the rate scale. I am sure many of these XXXX take these loans out having no idea their rate could increase 12 fold, payments increase by hundreds of dollars every month and end up paying almost 10 times more in interest! The Credit Union knows these XXXX have no Federal student loans as they attend tuition-free US Academies and therefore these represent lower risk and their loans would likely be in the first position for repayment. NFCU knows these XXXX have no jobs nor ability to repay, yet offer a ridiculously generous unsecured " signature '' loans. They do not disclose the terms should the loan " revert '' and make it difficult for someone like me with plenty of experience with loans and credit to even find out. This program hooks these men and women on debt and locks them in as members from an early age. If that is n't predatory, I do n't know what is.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am in the process of trying to obtain a mortgage and reviewed my credit report for inaccuracies. I sent the below certified letter to the company after I received no response to my first two certified letters to dispute the account : " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on X/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required time-frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-24
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 have previously provided Navy FCU the Official Investigative OPM Notice of compromised personnel files, along with my statement regarding ID theft/fraud associated with the Navy FCU Account, XXXX .... On XXXX XXXX, 2015, after Navy FCU received a payment of {$420.00} and notice of the ID theft/fraud associated with the card, Navy FCU charged off {$22000.00}. The balance at the time showed {$21000.00} but Navy FCU charged off {$1200.00} more than the balance on the account and placed deleterious information on each of my credit reports. Navy FCU has repeatedly refused to provide to me the information which I have the right to obtain from a debt collector that being strict proof of my obligation to pay this debt when I have contested it as fraud. According to the OPM Notice, had Navy FCU acted timely, there was a method in place to be compensated but Navy FCU simply passed the debt off as mine and has remained stalwart in their position. On information and belief, Navy FCU perfected fraud when they placed an up charge on the account in the amount of {$1200.00}. Further, Navy FCU has refused to validate the alleged debt, a violation of FCRA. Due to the identity theft and the fraudulent purchases associated with the account, Navy FCU should respect the OPM Notice and the fraud report and either block this information from each of my credit reports or block this information from my accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-24
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: In XXXX XXXX, Navy Federal filed a claim for me with XXXX XXXX for me having involuntary unemployment. XXXX XXXX responded that they would be denying the coverage because at the time of the coverage, I was not working 25 hours a week. XXXX asked me about this, I stated to them that in XX/XX/XXXX, that I was not working those hours. The company continued to bill me. XXXX XXXX advised me X/24 that Navy Federal owes me 3 years of back pay for the coverage that they knew that I was never eligible for. The bank had a supervisor and the supervisor stated that although I am not eligible for it, I should have cancelled it within 60 days of getting it and although I am not eligible for the coverage, they would continue to bill me. The company also refused to give me information for their corporate office to speak to the person who is over customer relations or give me any more information and stated that they would keep billing me and there is nothing that I can do about it. I am upset that they intentionally took my money and knew that I did not qualify for a product and still want me to pay for that product.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2017-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-21
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: So Navy Federal takes every penny that goes into my account out automatically to pay for a credit card I 'm behind on. If I put {$5.00} in my account, the next day it 's subtracted with a message saying " Tranferred to Credit Card ''. They are saying this practice is legal and they do n't have to give me my money back. I was wondering if this is the case? If so that 's fine and I 'll just open another bank account elsewhere. I just found it strange that a bank can continuously take funds out of your account for a past due card without your authorization. I 've been forced to open an account with XXXX XXXX because Navy Fed was completely cleaning out my account everyday without my permission. This just does n't seem right and they refuse to give me back anything. Please advise, thanks!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2017-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A