Date Received: 2017-05-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX 2017 , my paychec k ( direct deposit ) {$1300.00} was transferred to my ( adult ) daughter 's account without my permission. I was told by the bank that my daughter added me to her account as a joint owner. I never gave Navy Fed eral CU authorization to add me nor did I sign any agreement. In order to be eligible to open an account with Navy Federal, you need to be related to a member. I gave her my information so that she would qualify but not to be added to her account. When she signed up, she provided my info and the account was set up incorrectly. I spoke with two different supervisors and my daughter went in to the bank in the city she lives in and spoke with a branch manager. The y all said the same thing, they could not return the funds to my account because I was responsible for her account. I explained to a supervisor named XXXX that I had not given authorization to be added to her account and her response was " you should not have given your daughter your information. '' I am unsure of what I could do have this issue corrected.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78504
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-02
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 paid for a used XXXX XXXX XXXX and paid {$6000.00} all cash so I own the car outright. The document I submitted is a " WE OWE '' the customer document that clearly states my terms for purchasing the car that I negotiated..which is to have the car be fixed so that I can lock and unlock electronically. I purchased the car on XXXX XXXX , XXXX . It is now XXXX XXXX , XXXX and my car has not been fixed and all correspondence has ended between XXXX XXXX ( the employee who sold me the car ) and myself. I have email correspondence with XXXX XXXX ( that I could not send electronically to you since you do not accept email as a way to upload a complaint ) that shows on 4 occasions that he said he would get the car fixed because his manager a pproved the car being fixed and gave him a budget to get it done. Yet, 2 weeks later the car is not fixed and I do not have my car. Please allow me to email you our correspondence so that you can see this is fraud and I can get my money back and you can go after XXXX XXXX XXXX with the all legal powers you have. They are no longer responding to my emails or phone calls. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AK
Zip: 99508
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-30
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Several times I reached out to Navy Federal Credit Union concerning my outstanding account balances. I had multiple conversation with several Customer Representatives about my account status and problems receiving my statements in the mail. Not receiving my statements became a big problem because it cause my accounts to fall in a seriously negative status over and over ag ain. Navy Federal representative stated that they upgraded their software last year. After the upgrades they had several customers that did not receive their statements. I also had reached out to the credit department and their solutions team and they also reviewed my accounts and apologize over and over again and repeatedly stated that they would my derogatory credit history. I had several 2 hour phone conversation being on hold several times, bein g transferred back in forth. At this time I do n't see any changes made to my accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2017-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by XXXX & XXXX . This is preventing me from communicating with other financial institutions.I 've advised XXXX XXXX XXXX XXXX this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the XXXX XXXX XXXX XXXX account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap. The investigation was opened XXXX with XXXX XXXX XXXX XXXX and still has yet to be assigned t o an investigator. My account was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told 14-21 days now I 'm being told 60 days and was hung up on today after requesting to speak with a manager. Whoev er noted my account from the check fraud department dated today XXXX was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2017-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My payment for Navy Federal CU was due XXXX XXXX . I had other payments to make besides Navy Federal si nce this account is closed. So I paid {$20.00} on the XXXX and XXXX XXXX XXXX for my XXXX payment. Then I followed up and sent two more payments on the XXXX and the XXXX XXXX XXXX equal to {$60.00} ( {$10.00} & {$50.00} ) They also applied a {$20.00} la te fee which is fine. Then on the XXXX they reported to the credit bureaus that I was 30 days late for XXXX which is not true. I know that the only way you can be 30 days delinquent on an account is if there was none payment in which it was. They reported the balance which would cover XXXX XXXX bill to {$74.00} owed and XXXX XXXX just passed so how can you add 2 di fferent payments on a credit report that is not 30 days passed due. I calle d Navy Federal and the reps that I spoke to could.not give me an answer and eventually agreed with m e. Navy Federal c an not do as they please.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
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 Union continues to report an account for me that is well beyond reporting in the 7 year statute of limitations. I have tried to do multiple disputes through the credit bureaus that are ignored and there has been no validation of the debt proving th at Navy Fe d is right in their reporting. The last activity on this account was approximately in XXXX o f 2008.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92071
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX obtained a judgement for a credit card debt and placed a lien on my house. The debt and judgement was included in my Chapter XXXX bankruptcy that was discharged but the lender refuses to remove the lien from my house until the debt is paid.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2017-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: navy fe deral allowed my account to be compromised TWICE!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-21
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: On XXXX XXXX , 2017, I ca lled Navy Federal Credit Union about my federal income tax refund being deposited in the wrong account. They told me that since it was the wrong account, the funds would be rejected and sent back. I called back on XXXX XXXX and XXXX and they said the same thing and would not further assist me. After a week of checking for the funds and not seeing them, I called Navy Federal Credit Union on XXXX XXXX , 2017. T hey told me that I had to call the IRS or XXXX XXXX XXXX XXXX to get my money. I called both and they told me Navy Federal Credit Union has to release the funds back to them and then they will be able to send me a paper check. I have been back and forward with Navy Federal Credit Union and XXXX XXXX XXXX XXXX to get our funds. Finally, on XXXX XXXX , XXXX , Navy Federal Credit Union was willing to tell me that I had to get XXXX & XXXX XXXX to send them an Indemnity letter to release the funds. On XXXX XXXX XXXX XXXX XXXX XXXX sent the letter at XXXX and at XXXX and it was denied, because the full amount was not available. I called Navy Federal Credit Union back on XXXX XXXX and XXXX to see what I can do to get the funds released. They said they need XXXX XXXX XXXX XXXX to send another letter when the full amount is available to be withdrawn. XXXX & XXXX XXXX is refusing to send another letter stating the same amount for The Federal Refund, which was denied. Now I do not know what to do, because Navy Federal Credit Union has proof that the money belongs to XXXX and XXXX XXXX . I also have our state refund being deposited to the same account i n 5 to 7 busi ness days, which will pose the same issue. Any assistance in this matter will be appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70815
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-21
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Navy Federal has decided to practice extremely unfair mobile deposit practices. Their terms and condition state that you have to receive a approval email before XXXX otherwise it will not get processed that day. Although their customer service team clearly tells you that you can make a deposit at XXXX and it will be processed that day. Their is an approximate. 2-6 minute delay in their approval and you receiving the email. And their customer service also informed me that the approval time can take anywhere 20 minutes to 2 hours depending on how busy the bank is. By the impression your customer service gives it is clear that there is some give time in the processing time if you can submit a deposit at the very last second. This is not true. If you do not receive your approve before XXXX you will have to wait 24-48 business hours to get your check approved. No matter what time you submitted your deposit. All this is of course based of the bank time table and their app clock which you as a customer have no way of verify is correct nor do you get any sort of warning prior to depositing that it is close to their cut off time since this is a national bank that runs of EST but if you are n't in EST obviously XXXX EST would be a different time for you. So when I called and was informed their would be a two day hold on my check till tuesday I was upset and all I was told was the term and conditions were clear. Which they clearly are not since their own customer service team either 1 ) does not understand them or 2 ) is intentionally giving customers wrong information so that they will use their overdraft protection and the bank can charge a fee. Either way this huge disconnect in process time is an issue that is not clearly explained to customers and requires a lot of explanation. I have received multiple answers on the timeline of my claim. My check was approved sometime between XXXX EST and XXXXXXXX XXXX EST. No clear answer to that. The app says XXXX approved. One representatives said XXXX another said XXXX but the email was not sent till XXXX. the timeline process is horrendous and seems to benefit Navy Federal how they please
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No