Date Received: 2023-09-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/ i was notified of suspicious activity i informed nfcu that i did not make the purchases i was informed they would monitor my account on XX/XX/XXXX nfcu paid the charges made on my atm i call and went into the branch for proof that i made the charges?? whoever charged had my phone number and address so they assumed it was me? the charges were for XXXX XXXX for {$890.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, I attempted to log into my Navy Federal Credit Union App, however, I couldn't because a received a pop-up message that stated " We're unable to sign you in. Please call us at XXXX for further assistance ''. I immediately contacted them at the listed number and waited on the phone with customer service then the fraud department for about 45 minutes to find out what the issue was.The fraud department stated that they had an issue with my business partner with an issue that was not directly related to me and had nothing to do with my personal account or our business account there at the bank but they wanted to ask me a few questions. I agreed to answer whatever questions I could based on the fact that this was my first time being made aware of the issue. I then answered what I could and told them I would speak with my business partner about what he had going on with Navy Federal Bank and get back to them. I called back on the XXXX and was placed on hold for over an hour so I disconnected the call and called backed on the XXXX. On the XXXX I was finally able to get someone in the fraud department, I answered all the additionally questions which didn't seem to make a difference at time because they had already decided to place a permanent restriction on my personal account, my business account and my credit card with them. I have never been late with my card payments and I have always had a good history with Navy Federal Credit Union and now all my accounts are closed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: I was told verbally by Navy Federal Loan officer XXXX after he viewed my credit report that I would qualify for a HELOC/refinance I applied for with Navy Federal . As such I did not go to other lenders during the two week period when multiple credit pulls from mortgage lenders do NOT affect your credit. I have a credit score of XXXX, been at my job for 22 years, and have no debt except for my mortgage, my income was XXXX and I still received notification that I did not qualify because of " excessive obligation in relation to income ''. Yet according to XXXX my debt to Income ratio was acceptable and within guidelines of a loan I was applying for with Navy Federal. This is contradictory by nature and leads me to believe there are other reasons for the denial. The loan XXXX XXXX did state to me that the loan package that he put in the first time was not complete due to his part, however he assured me he would put the loan package through again. I am left with a lower credit score because of the credit pull performed by Navy Federal due to a incomplete loan package or other reason I would like to be determined by this agency or court appointed agency.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92373
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I did not authorize a transaction. I disputed with my bank and they denied the claim. I emailed the company on multiple occasions per Navy federal denial and have not received my funds. I have not received any merchandise or response from the company. They do not have a phone number listed. Navy Federal has since closed my debit card. I am requesting my funds for a transaction I did not authorize.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX, I attempted to deposit XXXX $ into my Navy Federal account via XXXX XXXX ATM Machine. It subsequently ate {$600.00} of those dollars before eating my card, and not deposting the funds. After a complaint to both XXXX XXXX branch, and Navy Federal, we were denied reimbursement. That amount taken by the banks is no small amount in our household, as an XXXX XXXX family hurts our monthly bills. After the complaint was filed they close the claim with no transparency to us.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84067
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Navy Federal Credit Union threatened and then damaged my credit reports with reports of late payment history and derogatory remarks stating that the account was 150+ days delinquent and is reporting a inaccurate date of first delinquency stating, " they have forgiven the original first date of delinquency, and will not correct my credit report with the accurate information disputed due to debt forgiveness for that date of first delinquency. '' I have tried to correct the date of the first delinquent payment only to have them report an inaccurate date of first delinquency every time I dispute. The information they provide is wrong, yet it still reported as accurate by the creditor when disputing through the credit bureaus websites. Requesting immediate and permanent removal of Navy Federal Credit Union 's Reporting file ( s ) from my credit reports for knowingly reporting inaccurate date of first delinquency. They have reported this for the last six and a half years and should be sued for monetary gain for misinforming the credit bureaus the way they did for the last 6 1/2 years.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off the account in XXXX of 2021 and the account status has not been updated on several credit reporting agencies to state that the account has been paid off. The status is showing in charge-off/collections and not paid.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This credit card account is paid in full and closed. The monthly payment is due on the XXXX of every month and I made 2 payments in the last billing cycle. One for about {$500.00} and one for about {$6100.00} to pay off the rest of the balance. The company once again marked me late and attached is my monthly statement directly from the company as well as a form from a phone representative supervisor who went over my account and told me I need to dispute it with the credit bureaus. My credit is continuously damaged by this account wrongfully reporting on my credit report and is making it very difficult to buy a home. This is a direct violation of 15 U.S. Code 1681e - Compliance procedures. The company has shown a track record of not reporting properly and I have filed multiple complaints which are all in progress. I request that this account be completely deleted off of all my credit reports or at the minimum remove the last late payment and update to paid on time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Navy Federal Credit Union has closed my checking/savings accounts due to suspicious activity on the account when it was opened. I was a victim of an " Advance-fee scam. '' A type of scam where the fraudsters call up the victim promising them money, they send you a partial stating, '' you must return the money sent to your account back to them via XXXX XXXX or XXXX. '' I thought the deal was legal until I was scammed and taken for almost {$1200.00} dollars. I was scammed and because of it I do not have a membership with the Credit Union disallowing me to have Checking/savings accounts, credit cards, or home or vehicle loans. I am willing to do legally whatever it takes to have my name back in the good graces of the credit union, to be considered for accounts and loan products again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX I submitted a fraud claim due to my account being compromised when my phone was stolen. I gave them the exact dates it was stolen which coincides with when my bank account was compromised. I never received any phone calls or emails in regards to the transaction that happened only a letter stating that a check bounced with my a plagiarized signature on the copy of the check. I was not in possession of my card and the only card I had from was expired and they never sent a new one. When I submitted the claim I had to create a new user id and password for my bank account and request a new card. This bank has a zero liability policy so although I was really worried about my information being stolen I trusted Navy federal to handle this matter. They immediately denied my claim so I went on to submit an appeal XXXX I waited months to hear back from them and nothing and my account was closed without any warning. There was also a credit card application put in at the time my account was compromised thankfully it was denied. I asked them what information could I provide that would help but they didnt have anything that I could send in that would help. Since then another one of my bank accounts got compromised however that bank was able to retrieve my funds, protect my account and locate the person that hacked my account. Navy federal has done nothing to help and the balance is extremely high over {$4000.00}. I have had a car loan with navy federal and family who also banks with them and ive been with them for years and they have not been of any help in this matter. I recently contacted them on XXXX and they were not able to give me and update and told me that the balance is on me now they have a zero liability policy which this goes against. I in no way have any connection to when my phone got stolen and my account got compromised and it is upsetting that I am now being held accountable for this crime
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A