Date Received: 2023-10-09
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 demand NFCU credit my account in the amount of {$270.00} and any additional compensation, they feel appropriate for my time and effort in pointing out their shoddy inappropriate banking practices. Background : CFPB closed complaint XXXX ( attached ) discussed crediting my credit card account {$130.00}. Instead, NFCU took {$130.00} from my credit card account on XXXX listed as an account adjustment, ( portion of account charges attached ). I called NFCU on Monday XXXX ( five days later ) and talked to two credit card department employees ( XXXX and XXXX XXXX and the discussion included a third person ( a supervisor that would not provide a name ). They said the {$130.00} was a credit and agreed it was not credited to the account ; but withdrawn. However, after nearly 30 minutes on the phone, they would not fix the problem and instead required me to call back tomorrow. This shows that NFCU has a complete inattention to detail, no checks or balances, and lacks any accountability or oversight. Supervisors cant even fix a problem when its staring them right in the face. Apparently, NFCU can withdraw money from their clients accounts without authorization and get away with it. Even when account holders try to complain or correct a problem, they make it difficult for account holders to get their money back. Perhaps they felt I wouldnt notice that they had taken the money. They shouldve told me they would correct the problem and call me back, rather than place the burden on me, and require me to call them back. Instead, I thought it necessary to file another complaint with the CFPB, thinking it may provide a faster response.
Company Response: Company believes complaint is the result of an isolated error
State: FL
Zip: 32953
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: After looking over my account on XXXX in between XXXX I called to have my checking account number change due to the fact that I called off the marriage to my partner. After leaving him I found out that some how he had access to my online banking information in which I did not give to me. The rep I spoke with never told me that my account would be compromise. I had filed disputes and fraud claims only to get a supervisor to tell him that I had something to do with this and talk down to me like I was nothing .They shut down my debit card, and online access to checking account. so if they did send me message on what was needed I could not get it because I did not have access to online banking. I informed them several times that I was a victim of identity theft and where did I need to send the documents the said do not worry. I have been fighting this claims for a long time the forgot to send me any updates on the claims so I had to file and appeal which the close due to my account getting compromise. I request a copy of the following documents that lead up to the denial. They asked me to faxed documents sent the documents thru e message then the denied my claims stating that it was not there it was there they just did not go thru it so I sent over the documents multiple times until I had to do it my self to put each claim the proper document to support it and they said they did not received it. I told them that I had identity theft my credit was frozen and lock I filed police reports and FTC report and identity theft report and they still talk down to me and treated me bad. Because I did not the answer to a question I ask and they got mad and raised their voice
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Closing on a mortgage
Subissue: Trying to communicate with the company to fix an issue with the loan closing
Consumer Complaint: Me and my mothers are VICTIMS of lender negligence and malpractice. Navy Federal Credit had -Wrongful failed to honor a loan commitment ; -Deliberately creating numbers in Underwriting to create a high dti which did not exist - Improperly changed terms and rates without giving proper notice or following proper legal procedures ; - Breached a fiduciary duty to close knowing our deposit would not be returned if defaulted on closing. My mother and I complained to CFPB on XX/XX/XXXX ( online XX/XX/XXXX # XXXX ) when there still was a chance we could still get the townhome if NFCU cleared XXXX as the selling price. I emailed XXXX XXXX and 5 other managers on XX/XX/XXXX no response to emails or calls. A guy from security told me to stop calling and I would receive a letter. My closing attorney XXXX XXXX XXXX XXXX had spoken to XXXX XXXX before who said the head underwriter was reviewing and would get back to him, and did not. So XXXX sent her a letter & email to warn her that the seller had a cash buyer and would be keeping my deposit. No response, so the townhouse was sold on my birthday XX/XX/XXXX. A week after we receive a letter stating loan declined because of dti. This was a false claim as we have emails and documents of the rate lock, all tasks completed and we had certificate approval from the HOA. There was no legal reason not to close and we were discriminated. My mother is devastated as we had to move our belongings into storage as we moved XXXX from XXXX XXXX XXXX for the scheduled closing on XXXX. NO ONE at NFCU has followup or even called the closing attorney. We had to hire another lawyer to file a lis pendens but it was too late, so we lost {$1000.00} more retaining attorney, then {$2000.00} mortgage processing fees and none of this rejection made any sense. At the time of closing we had over {$300000.00} in NFCU savings and the mortgage was for {$360000.00}. We have a low dti as we have homes paid off. My mother was downsizing into her dream home when the rates were XXXX %. Now the value of the home is $ XXXX and rates at XXXX %. We did not want any lender, we wanted loan where our money is saved for autodeposits. It makes no sense how a XXXX XXXX XXXXXXXX who just lost her XXXX husband can get denied and left homeless. NFCU should be penalized and forced to pay us to purchase a comparable home because this error was a major defeat. XXXX XXXX real estate is hard to acquire, and a waterfront townhome under {$500000.00} will never find again.. it was a once in a lifetime opportunity because I knew the HOA president . There was atleast 4 offers on that house the first day it listed. We are very dissappointed and hurt by NFCU and how loyal clients are treated with no value or respect.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22180
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to provide a detailed account of the events that have transpired between myself and Navy Federal Credit Union, which have led to the submission of this complaint. On XX/XX/2023, I entered into an agreement with Navy Federal Credit Union. As part of this agreement, I diligently fulfilled my contractual and fiduciary obligations, which included the discharge of debt and the transfer of the principal 's balance to the principal 's account. These actions were taken in accordance with the terms and conditions specified in our agreement. However, Navy Federal Credit Union has failed to honor the provisions and obligations outlined in our agreement, despite my full compliance. This breach of contract and failure to fulfill their obligations have resulted in significant financial and personal consequences for me. Based on my legal understanding and the events that have transpired, I believe that Navy Federal Credit Union is currently in violation of multiple federal laws, including but not limited to the Federal Reserve Act, Securities Act, Bills of Exchange Act, Equal Opportunity Act, Consumer Protection Act, and the Constitution. I contend that their non-compliance and disregard for our agreement may constitute actions such as extortion, securities fraud, trust fraud, interference with commerce, malpractice, breach of fiduciary duties, and breach of contract. In addition to addressing these violations and seeking resolution for the breach of contract, I have demanded that Navy Federal Credit Union provide me with a XXXX credit card with a credit limit of {$50000.00}, as originally requested. I believe that such a credit limit aligns with my financial needs and objectives. Furthermore, Navy Federal Credit Union has ignored my Notice of Suretyship, issued on XX/XX/2023, and my Durable Power of Attorney, dated XX/XX/2023, both of which were submitted in accordance with the terms of our agreement. This failure to acknowledge these legal documents further exacerbates the situation and highlights their disregard for their fiduciary responsibilities. Enclosed with this complaint are relevant documents, including our original agreement, correspondence, records of transactions, the Notice of Suretyship, and the Durable Power of Attorney, which serve as evidence of the events described. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to address these alleged violations. It is essential for Navy Federal Credit Union to be held accountable for their actions and to ensure compliance with federal laws designed to protect consumers like myself.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44306
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: A Late payment is a transactional history, and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have fake information in the " social security numbers '' area in which I only have and have only used the social security that was provided after my birth in XX/XX/. I have reported several things over the past 2 years and yet nothing have been resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28054
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Notice to NAVY FEDERAL FINANCIAL GROUP that I'll be doing an audit of my account and checking the accounting. I'm submitting my completed form 3949a to the IRS to correct their securities fraud, Identity fraud, discrimination, and breach of contract. As well as filing my complaint and summons next week.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: RACIALLY PROFILED BY NAVY FEDERAL CREDIT UNION!!! On Wednesday, XX/XX/XXXX I deposited my refund check via mobile app as I have done over SEVEN times from the SAME university ( XXXX campus ). When I called and asked them why my money wasnt deposited in the normal two business day wait, I was told that it was being held under suspicion of fraud. I asked why all of a sudden as a XXXX woman, am I being accused of suspicion of fraud when I have deposited MULTIPLE checks from the SAME school several times before?? The supervisor ( I asked to speak to one because I was not getting a straight up answer ), said its determined by security so I asked to speak to them, but of course they didnt have an extension. I was racially profiled for fraudulently depositing a check and no one could explain why my funds are delayed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: NAVY FEDERAL CREDIT UNION is reporting an account as a charge off on my credit report. They have not provided a 1099 to support their claim. If they have already received funds for this account via insurance, then this is subrogation. Further, I never received all disclosures or was informed clearly and conspicuously of my rights pursuant to 15 usc 6802 It was never explained to me that reporting this account to my credit was consensual. I was never told that NAVY FEDERAL CREDIT UNION would traffic, transfer or sell my information to breach-prone companies where my information would be compromised which violates The Protection of Non-public Information laws.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is continues to happen every month for the past 6 plus months. I put a stop payment for Virtual Funds and the funds still came out of my account for {$47.00} and I was charged {$20.00} for the stop payment fee. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A