NAVY FEDERAL CREDIT UNION
Consumer Complaints
There are over 5340 complaints on file for NAVY FEDERAL CREDIT UNION. Dated between 2019-12-16 and 2011-12-05.
Complaints Page 34
2019-04-04
Washington, DC
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and NAVY FCU were no successful resolution. XXXX and XXXX was reporting me late. There was definitely an error on their part. I was never 30 days late -XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-04
Washington, DC
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Investigation took more than 30 days
Complaint: I have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and NAVY FCU were no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-04
Virginia Bch, VA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-04
Ironbound, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-03
Washington, DC
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: In XXXX at the age of XXXX I was allowed to get a credit card from Navy Federal.
According to Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report.
Also, according to the Credit Card Accountability Responsibility and Disclosure Act of 2009 : ( 8 ) APPLICATIONS FROM UNDERAGE CONSUMERS. ( A ) PROHIBITION ON ISSUANCE.No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of 21, unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ). ( B ) APPLICATION REQUIREMENTS.An application to open a credit card account by a consumer who has not attained the age of 21 as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of 21 having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of 21 ; or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account.
I was not 21 years of age when I was duped into having a credit card, I did not have any income, and my parents did not co-sign for me to have a credit card. I filed a dispute with Navy Federal but did not have the issue resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-03
NJ
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: In XX/XX/XXXX I hired a XXXX XXXX XXXX from XXXX, NJ to perform work in my basement, with an install date of XX/XX/XXXX. The company failed to complete the job and left the worksite in progress. After 5 weeks of work, of which the job was originally a 1-2 day estimate, the job remained incomplete. On XX/XX/XXXX XXXX XXXX XXXX then charged my VISA credit card for {$5900.00}, which was the price to be paid upon completion of the job per the contract we agreed to ( attached ), however the job was not complete and authorization to charge was not provided. The company had my VISA information from the initial 10 % down payment that occured months prior in XX/XX/XXXX. On XX/XX/XXXX I filed a dispute on the charge with my financial institution, Navy Federal Credit Union, however refusing to refund the unauthorized transaction.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-03
San Francisco, CA
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Their investigation did not fix an error on your report
Complaint: I received a call on XX/XX/2019 from Navy Federal Credit Union trying to collect on a {$7900.00} balance for transactions that were not processed by me. The operator on the line explained to me that after investigating the situation they said that the charges were still valid. As I have never opened an account with this credit union it does not make sense that I am responsible for these charges. I tried calling the company to request further information concerning the investigation and was connect to an operator who put me on hold and proceeded to disconnect the call.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief
2019-04-02
Capitol Heights, MD
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2019-04-02
Excel, AL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-02
Botts, PA
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2019-04-02
Las Vegas, NV
Problem when making payments
Payday loan, title loan, or personal loan: Personal line of credit
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-02
Plymouth, FL
Problem with additional add-on products or services
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: I this evening at XXXX XXXX. XX/XX/XXXX Florida time, have just gotten off the phone with XXXX a supervisor of customer services with Navy Federal 's Collections department, regarding my personal loan. Yesterday I was told he would be the person to speak to regarding my account showing past due for XX/XX/XXXX.
On XX/XX/XXXX, he called me back to advise me that he had spoken to upper level management regarding a waiver that I had been approved for in XXXX but that had been rescinded, and that it was decided to honor the waiver for XXXX, and also XXXX ( XXXX ). This conversation on XX/XX/XXXX, stemmed from a conversation between he and I on XX/XX/XXXX, when I complained ( after returning a call left on my voicemail by NF Collections ) about my XXXX 's payment showing past due. I explained that I had been offered a waiver for XXXX ( XXXX ) 's payment by an agent when I had called in inquiring why my XXXX 's payment was higher than usual, I accepted the agent 's offer, the offer was approved with her giving verbal notification given. She then advised a letter would follow ( which I expect as usual and as per Federal statutes ). During the XX/XX/XXXX, call, XXXX advised that the offer should not have been offered, and I did not qualify for that service because I had received one in XXXX, XXXX, and the offer was being rescinded. I clarified for him that I had NOT received a waiver of payment in XXXX but instead had a REFINANCE ... because of Navy Federal 's fault from prior months of not properly advising me when I ran into hardship after being effected by a natural disaster in Florida ( and the institution had first failed to advise me of relief for clients, then decided I did not qualify then decided it was too late ). In his nonchalant and condescending manner he finally agreed to " speak to higher ups and get back to you in one to two days to see what, if anything, can be done ''. He called me back as noted above, on XX/XX/XXXX, relaying the approved waiver for XXXX and as a courtesy for XXXX also, so my next payment would be due XX/XX/XXXX ( my normal due date ). He advised me I would receive a letter confirming the decision. To this date/day, XX/XX/XXXX, I have not received that letter.
However after calling Navy Federal on a matter of inaccurate reporting of an auto loan I was approved for but never utilized, I was advised that my XXXX 's payment was past due. The agents advised eventually I would have to speak to XXXX being he was the person who had called with the decision on XX/XX/XXXX, to waive both XXXX AND XXXX 's payment. When XXXX calls this evening, he advises that he submitted to higher up management the request to honor XXXX 's waiver AFTER speaking to me on XX/XX/XXXX, advising the decision to waive both months, but the request was denied. So essentially he called me and informed me that management had approved waiving XXXX and XXXX 's payments, there-AFTER submitted the request, only to have it denied for XXXX. He put the cart before the horse is essentially what he was trying to convince me of. Again I told him that what he did was/is against the law, he gave verbal notice of the approval, I accepted that notice and accepted that Navy Federal had resolved the issue. Today over THREE ( 3 ) weeks after, he returns my calls to tell total contradictory information, and has not even offer an apology, did not acknowledge that as of today 's date I still have NOT received a letter ( as per federal law is required ) informing me of the decision that he and I discussed on XX/XX/XXXX. I did not even receive a letter informing me of the information that he was now trying to feed me today. As a matter of fact he did not even CALL me after that conversation on XX/XX/XXXX, to say what he did today. So approximately three weeks after he called to say I was approved to honor XXXX 's waiver and also offer XXXX, he did not call nor send the letter to say otherwise than what we spoke of on that day. Had I NOT called yesterday on my other matter I would not have known the situation, would have my account sitting in delinquency, and I would not have known a word!
This entire situation has been against the Federal AND State practices of the guidelines for financial institutions including the Federal Deposit Insurance Corporation ( FDIC ), the Federal Reserve, National Credit Union Administration, Federal Financial institutions Examination council, The Federal Trade Commission ( FDC, The Consumer Protection Agency, Bureau of Consumer Protection, Fair Debt Collection Practices, Fair Credit Reporting Act, The Truth in Lending Act, and the Florida Department of Agriculture and Consumer Affairs and has reeked of illegal and unethical practices and handling. How can Navy Federal approve a client for a payment waiver, give verbal and written notice of such approval ( as required by law ), then only by a stroke of luck the client calls on another matter to be told of the events, then again the supervisor who supposedly received approval to honor that first approval and offer another month turn ( and again by law a letter would be sent out, but never has ) again turn around to advise the client the second approval was being rescinded AGAIN, yet he did not CALL nor send a letter to this effect?? When I questioned why I have not received a letter some three weeks later whether for the approval or the denial, his excuse was that the letter is " automatically generated ''. Well a letter could not be generated if he did not properly document the events of the transaction or communications/discussions between us. I advised XXXX that what he and Navy Federal has been doing to me and my account with the institution is unethical, against the law, and unfair, and is spoiling my account with the credit union differently than what has already been going on with the account, causing more negative effects on my record with the bank. I explained to him that I suffer from anxiety and what he was now telling me and doing would cause me to have an anxiety attack and put me in the hospital/jeopardize my health and that it was wrong what he had done and was telling me. I told him he basically had me right back to square one from XXXX when the department messed up my account in the first place! For most of the conversation he kept reiterating that that what he told me was not done and XXXX 's waiver had not been approved after all. I asked him so basically what he was telling me is that he called me on XX/XX/XXXX, told me that the higher ups had approved waiving XXXX and XXXX 's payments, and that I would receive a letter confirming same, THEN he went ahead and submitted the request in which it was then denied despite the news he had given me on the phone ; that he had taken the authority to approve the two months ' waivers AHEAD if submitting the request to his superiors, notified me then went ahead with submission, the submission was denied, THEN he FAILED to notify me -- ever --? Because that is what he was telling me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-02
Everett, WA
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: XXXX XX/XX/XXXX Navy Federal Credit Union, N.A.
Account # : XXXX Dear CFPB, I am writing you today in hopes that you can help investigate and resolve this matter for me with Navy Federal Credit Union. As a XXXX, I loved having a secure military bank with friendly XXXX XXXX service members handling my funds and veterans benefits. OR so I thought. To my dismay, there was severe fraudulent activity on my bank account from XXXX onwards in XXXX. As someone who is away from home for long periods of time on military deployments, I have little to no resources to make phone calls, nor check the internet. Furthermore, I dont come home for months at a time and am unable to see my statements until I arrive back.
As soon as I caught wind of the fact that my account had been compromised I IMMEDIATELY notified Navy Federal of what had transpired. They promised to do all they could to recover the funds for me, and I spent hours on the phone going over each transaction. One of the major things that occurred were ATM transactions as well as debit card and ACH transactions. I have had severe identity theft since XXXX, and have multiple fraud alerts in place by the three credit bureaus.
Navy Federal ended up deciding that there was no fraud found despite not even trying to track down the IP addresses, the merchants receipts, videos, etc. I asked them to reopen the case and they said that my initial identity theft report was not sufficient enough for them to refund the money. Seriously? I spoke to fraud representatives who PROMISED to return the money to me but that they needed a SEPARATE police report detailing the new fraudulent activity that occurred on the Navy Federal account. I went into the police station to file an updated police report giving them the transactions that had been posted to my account as well as the previous police report. The detective said why do you need a new police report? This previous police report should be sufficient for them for identity theft. I asked the detective and officer to please do as Navy Federal asked and they said if Navy Federal had any further issues to contact them.
So I sent in the new police report to Navy Federal and waited. It took months and they didnt even respond. I lived very far from the nearest Navy Federal branch and therefore, I had to drive an hour out of my way while in California to the closest Navy Federal Branch. I finally went in to the Navy Federal Branch in XXXX XXXX, XXXX in XX/XX/XXXX and I sat down for nearly two hours with a personal banker by the name of XXXX XXXX. Ms. XXXX apologized profusely for what my family and I had to endure and was upset that Navy Federal was promising to return my money yet not properly resolving it. Ms. XXXX tried contacting headquarters in XXXX, and they gave her the run around as they did me. Everyone at Navy Federal seemed lost as to the status of the case or what to do.
Ms. XXXX told me that we need to file a new identity theft report case with Navy Federal and we took time to literally highlight EVERY single transaction that was fraudulent. Once that was completed, she typed up a new case and told me that she would personally take care of this matter for me. She faxed in the two police reports, statements and transactions, yet nothing really happened. This created an enormous financial hardship for myself and my family as we were unable to pay bills due to the amount of fraud that was taken out of the account. There were conflicting statements from investigators, for example, who denied the refunding of a {$600.00} ACH transaction to XXXX saying that they had proof from the merchant that this was authorized. Funny because I reached out to that same merchant ( XXXX ), filed an identity theft report and they responded with a letter in the mail saying we are sorry. We have investigated and determined that this was a fraudulent account and you are not responsible for it. I gave that to Navy Federal who STILL refused to return the money.
Ms. XXXX claimed over the coming months that the identity theft report takes a long time to process and kept urging me to follow up if I didnt see temporary or provisional credit within the coming weeks. After a while, Ms. XXXX just stopped responding to all emails. When I was back in XXXX in XX/XX/XXXX, I walked into a branch in XXXX XXXX, XXXX and met with another banker by the name of XXXX. XXXX tried looking into it, and called the investigators who were lost once again and no one could find the case. Everything is there and I can pull it up relatively easy in my online banking. I sent XXXX the details again, and the investigator assigned to my case, who was supposed to reach out to me, never reached out to me simply because they didnt feel like it. They didnt want to bother with me. Then I asked her to reach Ms. XXXX XXXX and ask her why she stopped responding and she told me she was annoyed and said that headquarters didnt want to investigate any longer or bother with the case. Case closed. Thats what the banker said! Why did no one update me? I wasnt getting mail that they said they were sending! These people are not doing their due diligence, protecting my money and dont even attempt to retrieve the funds! They only determined that some portions were fraudulent and didnt even bother with the lost debit card claims!
While I was in both branches I literally saw on two separate cases customers bringing in small claims lawsuits against Navy Federal and now I see why! Horrible customer service and the way they treat their customers and make their lives miserable are unacceptable. I filed my own small claims case against Navy Federal last week for {$10000.00} and had the documents served on the XXXX XXXX branch as well as certified mail to Navy Federal headquarters.
Its a violation of federal and SCRA Benefits and protections I am requesting that the CFPB please investigate this matter so it doesnt happen to other service members.
Thank you.
Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-02
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-02
Incorrect information on your report
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-01
Pinellas Park, FL
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-01
Los Indios, TX
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: So on XX/XX/XXXX i had funds taken out my checking that were not mine i also received a call by my bank that money was being taken out in Florida that had nothing to do with me. I proceeded on giving the bank my information like my pass code and my full name and address in order to have them freeze my card and send me a new one and they even sent me a text to confirm i had changed my my pass code. When i went into work an hour later i checked again and XXXX dollars was taken out my savings and checking. The savings was sent to my checking and everything was taken out in Florida. I called the bank trying to find out why i had still been fraud and they told me the person who called you was a fraud and i was in disbelief because me thinking the bank i had put all my savings was helping me was either hacked into or had no idea it was me being fraud. So i talked to the bank and they said i was victim of fraud and that they would submit the case so i thought i was going to be okay and have my funds returned because that's i had saved up during my time in the XXXX. I did two XXXX to XXXX and XXXX and me thinking me protecting the country they should be able to protect my money. They sent me a letter in the mail and said they wouldn't give my funds back or give me any money because i basically gave them permission to take my money by providing them my information for the bank. So i was confused on why they wouldn't help me get my funds back because i didn't give them permission to do any of it or take anything i thought it was the bank helping me get my funds back but it was the fraud calling me. So i had saved that money just in case i had in troubles when i got out and they didn't care to help me. Im about to be homeless and have nothing because those XXXX dollars were all i needed to keep me going until i could find a good job that would help me and pay more. So im asking you guys if you could please help me fight this because this isn't right i didn't allow anyone to take my money because that's money i need for the future to get myself a good home its money i saved serving the country to my absolute best.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief
2019-04-01
Fairfax, VA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-01
Lk Buena Vis, FL
Fraud or scam
Money transfer, virtual currency, or money service: Virtual currency
Complaint: On XX/XX/2018 I attempted to send money via XXXX to a friend in the amount of {$50.00}. The friend necer received the funds so I XXXX searched XXXX customer service number and contacted them for assistance. I spoke to who I was led to believe was a customer service rep for XXXX. Who stated that they needed to send test transactions to link my account. I was told that these transactions would only be test transactions and no money would be deducted from my account but instead {$640.00} was deducted. I immediately asked to speak to a supervisor but was disconnected and unsuccessful with reaching anyone since. The next day I filed a complaint with Navy Federal who investigated and gave me a provisional credit but have reversed the credit after they were unsuccessful with getting anything resolved with XXXX XXXX. Since then I've made 3-4 email attempts to speak with someone about this issue with no response I've also requested the rest of my money that is left in my XXXX account but the only response that I received was that my account was closed due to the dispute I made withy bank. I have filed a police report and have not been able to get any help from Navy Federal or XXXX with this issue
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-04-01
Rancho Santa Fe, CA
Managing an account
Checking or savings account: Checking account
Cashing a check
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-30
Midlothian, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-29
Santa Ysabel, CA
Problem with a lender or other company charging your account
Checking or savings account: Other banking product or service
Transaction was not authorized
Complaint: XXXX does no have fraud protection and a scammer was able to defraud me using XXXX which does not have the same service protections as XXXX. I lost XXXX XXXX out of my Navy Federal Credit Union checking account. The seller asked me to pay them through XXXX instead of my preference of XXXX for an anonymous transaction. I was not aware of XXXX, did a little XXXX to read up on it and discovered its a digital payments service thats backed by Navy Federal Credit Union which made me feel more comfortable about the transaction. The seller told me to use the XXXX mobile application so I thought XXXX was a legit service, and assumed Navy Federal Credit Union would step in to help if anything went wrong. After all, I was sending money directly to another bank account so surely the seller would know they could be tracked down and caught if they attempt fraud?! Unfortunately, proved to not be the case as the seller actually a scammer kept the money, his phone was turned off ; he never responded to any emails- he was gone and I never received the product/service paid for. I filed a complaint with Navy Federal Credit Union. I am unaware if Navy Federal Credit Union 's fraud department tried to call the seller 's bank to follow up on the matter. Navy Federal Credit Union sent me a letter stating theres nothing they can do to help recoup the stolen money. When I emailed a complaint to XXXX Support to help, XXXX responded by sharing a link that explained why XXXX should only be used with family and friends and that XXXX is not responsible for goods or services that are not received. Please see below conversation with NFCU : Subject : Fraud Navy Federal Response XX/XX/XXXX : Thank you for using Navy Federal 's eMessaging Service, Ms. XXXX.
Thank you for providing information regarding your claim. It has been attached to your dispute claim for reference. If you have any other questions or need additional assistance, please do not hesitate to contact us.
Sincerely, Debit Card Dispute Resolution Your Message XX/XX/XXXX : From : XXXX Consumer Support <XXXX> Date : Thu, XX/XX/XXXX, XXXX XXXX Subject : Using XXXX To : XXXX <XXXX> Hello XXXX, We are sorry to hear that you have not received the item or service you purchased using XXXX.
XXXX is a great way to send money to family, friends, and people who you are familiar with, but is not intended to be used to purchase goods or to pay people that you do not know or trust. Sending money to someone you don't know or for something that you are not sure you will get what you paid for ( for example, items bought from an on-line bidding or sales site ), comes with the risk that you may never get what you purchased. Similar to handing over cash, you also risk not getting your money back. We recommend that you not use XXXX for these types of transactions.
XXXX does not offer a purchase protection program for goods and services that are not received or do not meet your expectations. We recommend contacting your financial institution to request any assistance they may be able to offer regarding the return of your money.
Best Regards, XXXX Support Call toll-free at XXXX, seven days a week from XXXX XXXX to XXXX XXXX ET, excluding federal holidays. From outside the United States, call XXXX from XXXX XXXX to XXXX XXXX ET, Monday through Sunday.
ref : XXXX : ref Navy Federal Response XX/XX/XXXX : Ms. XXXX, Thanks for contacting us about your disputed debit card charge of {$500.00}. Contacting the merchant directly may be the quickest way for you to fix the error.
We're investigating your claim with the information you provided and will be reaching out to the merchant for a refund, depending on the situation. Here 's what to expect : We'll send you updates throughout the investigation. Check both mail and email.
It can take longer than 45 days to hear back from the merchant.
If your charge isn't refunded, we may need more information so we can try again to recover your funds.
If we think it will take longer than 10 business days, you'll receive a temporary credit for the amount in question. If we can't resolve the issue in your favor, the temporary credit will be removed. We'll notify you before removing the credit.
Strong documentation will help us recover your money. If you have the following documents, please submit them by signing into https : //my.navyfederal.org/XXXX and sending us a secure message or faxing to XXXX.
Correspondence ( e.g. emails, texts, letters ) with the merchant regarding cancellation Acknowledgment/receipt from the merchant regarding a credit or refund Proof of return ( i.e. tracking number ) for canceled or returned merchandise Terms and Conditions surrounding your purchase Additionally, for security reasons, we are unable to access the link you provided. As an alternative, you may open the link and copy/paste the information into your response to this message.
For additional assistance, call us anytime at XXXX. We appreciate your assistance and thank you for your diligence.
Sincerely, Debit Card Dispute Resolution Your Message XX/XX/XXXX : XXXX XXXX XXXX Business Management XXXX XXXX XXXX XXXX , Registered Agent Additional Contact Information Fax Numbers ( XXXX ) XXXX Phone Numbers ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX 'The FTC charged this employment-opportunity scammer and his three companies on XX/XX/XXXX with marketing a fraudulent U.S. Postal Service ( USPS ) employment program. The program offered consumers help in getting jobs with the USPS and guaranteed them job placement if they were able to get a certain score on the USPS entrance exam. In reality, jobs, or even the opportunity to apply for jobs, were not available through the defendants. For many consumers, the advertised postal jobs were not available in their area at all. The FTC alleged the defendants, XXXX XXXX XXXX and his companies, XXXX XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and XXXX XXXX, XXXX, doing business as XXXX XXXX, XXXX and XXXX XXXX, put classified ads in newspapers across the country. The ads, which read $ ATTENTION $ Now Hiring for Postal Jobs and offered hourly salary rates, paid training and full benefits, led consumers to believe the defendants were connected with the USPS and the hiring process. When consumers called the toll-free numbers listed in the ads, they were told there were jobs available at their local post office. The defendants offered consumers an exam-preparation package and told consumers they had to pay a one-time refundable fee for the study materials. According to the defendants, the materials would assist consumers in getting jobs with the USPS by helping them pass the required entrance exam. The defendants also told consumers that if they scored high enough on the exam, they would receive immediate job placement. The defendants said that their product would include an employment application, a book entitled XXXX XXXX XXXX, 12 practice exams, and a copy of the actual exam. ' Your Message XX/XX/XXXX : From : XXXX XXXX <XXXX> Date : Wed, XX/XX/XXXX at XXXX XXXX Subject : Credit Repair Scam XXXX XXXX XXXX - XXXX XXXX XXXX To : <XXXX> Cc : <XXXX>, <XXXX> XXXX is a scammer and the principal, treasury, secretary , owner of all his C corporations, created using different CPN numbers ... he offered credit repair for my personal credit. He said that I can purchase a shelf/aged corporation but I didn't want to pay for a shelf corporation. He then said I have to pay him {$4000.00} to fix my credit, and he would help me create an LLC and establish business credit. He said he sells CPNs and I told him that I wasn't interested so he told me that he could use his own tradelines to boosts my credit. He said he would also use 'credit masking ' to correct two personal lines which would hinder his ability to help me obtain business credit. He said it would take him 30-120 days to help me with my personal credit but he would then be able to obtain XXXX in business lines of credit through his private list of lenders he works with. He would then take the XXXX and place it into his 'leveraged brokerage account ' he would take {$2500.00} x 6 payments to pay the broker account and the rest would go into a treasury bond and the bond would give me dividends of $ XXXX which I could use to pay the XXXX line of credit he would obtain for me ... He then would take tradelines/'enhancements ' and add them to the personal and business LOC and he mentioned a 'stand by letter of credit ' being used but did not specifiy what the letter was for or why it was needed. He said after 90 - 120 days my business credit will be fully established. He then brought up CPN usages and how it is legal to use per IRS stating he uses CPNs all the time to create several C corporations and he builds up the corporations and pumps credit into them, uses them and then bankrupts them and he has been in the credit business for ten years. He also asked me for a list of my credit cards for credit repair and when I gave him the list he told me he would pay me to allow him to put authorized users onto my credit cards however I told him that I wasn't interested as I had been a victim of identity theft and just wanted to fix my credit and to establish business credit. He then asked me to send him {$4000.00} for his services using XXXX and he would get started on the " unique program he created for my specific situation. '' It all sounded fishy to me and I called him and told him that it sounded weird and I wanted to cancel. He told me that I was already in some system and it would take a while for him to take me out of the system and refund my money. When I asked him when I would get my money back he said he had to reach out to his partners ( aka himself ) to ask when they could refund the money but he doesn't not have any partners. I then asked specifically when he would give me my money back he wouldn't give me a specific day ( e.g. 24, 48, 72 hours ). Thank goodness only {$500.00} went through and not the {$4000.00}. I told him to just send my {$500.00} back through XXXX and he said it wasn't that easy to do. He told me that he would email me and hung up. Calling his phone back - it went straight to a full voice mail and he did not respond to email. Did not respond to text. I did not have a written contract with XXXX, he just asked me to send him money through XXXX. He told me it would be {$4000.00} and then I told him I wasn't paying that so he dropped his service down to {$2000.00} and I then told him after a few hours to just cancel service. He offers a guarantee on his website but does not specify what it covers. After my complaint he had his virtual assistant change the wording. He did not provide me with any service - just took my money and disappeared.
My calls were recorded with XXXX on XX/XX/XXXX - XXXX and on XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX at XXXX, XXXX, XXXX, XXXX and XXXX for review in investigation. Thank you.
Respectfully, XXXX XXXX From : XXXX XXXX <XXXX> Date : Wed, XX/XX/XXXX at XXXX XXXX Subject : You sent {$500.00} to XXXX XXXX.
To : <XXXX> Your Message XX/XX/XXXX : XXXX Your Message XX/XX/XXXX : XXXX : XXXX Your Message XX/XX/XXXX : XXXX XXXX XXXX ...
XXXX XXXX XXXX Your Message XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX used XXXX app XXXX https : //www.ftc.gov/news-events/press-releases/2006/06/postal-job-scam-licked XXXX XXXX XXXX XXXX XXXX XXXX Your Message XX/XX/XXXX : NFCU POS Transaction - {$500.00} through XXXX sent to XXXX XXXX XXXX 's bank account Owner of ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Neighborhood : XXXX XXXX XXXX From : XXXX XXXX <XXXX> Date : Wed, XX/XX/XXXX at XXXX XXXX Subject : Re : You sent {$500.00} to XXXX XXXX.
To : <XXXX> XXXX XXXX XXXX , Can you send me my money back? You did not provide me with any service and I need my money to pay my mortgage. You really feel good about scamming a single mother with children?
You make a living scamming people?
You have a daughter too so your a father and grandfather.
Can you do the right thing and send my money back?
On Tue, XX/XX/XXXX, XXXX XXXX XXXX XXXX <XXXX wrote : Please send the {$500.00} back via XXXX - Thank you.
From : XXXX <XXXX> Date : Tue, XX/XX/XXXX at XXXX XXXX Subject : You sent {$500.00} to XXXX XXXX .
To : <XXXX> XXXX Logo You sent {$500.00} to XXXX XXXX XXXX Logo Contact Privacy Legal XXXX Logo To learn more , go to XXXX.
Contact XXXX Support at XXXX, 7 days a week, XXXX-XXXX Eastern.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX and the XXXX related marks and logos are property of XXXX XXXX XXXX , XXXX Your Message XX/XX/XXXX : XXXX XXXX XXXX says he is the Principal, Treasury, President, Secretary on all of his C Corporations.
Your Message XX/XX/XXXX : XXXX : XXXXcomplaints XXXX : XXXX XXXX XXXX XXXX # Pattern-of-Complaints ( XXXX ) XXXX Your Message XX/XX/XXXX : XXXX Your Message XX/XX/XXXX : XXXX : XXXX Your Message XX/XX/XXXX : XXXX XXXX XXXX ...
XXXX : XXXX Your Message XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX used XXXX app XXXX Your Message XX/XX/XXXX : Pending POS Transaction POS - {$500.00} FRAUD XXXX states that it offers a fast, easy and SAFE way to move money. The " safe '' claim is not true - they are misrepresenting themselves. In addition, there is no recourse with XXXX either thru them or Navy Federal Credit Union. You are made to believe that this is a safe system yet scammers are making lots of money thru this system and winning while we the consumers are being scammed. Most importantly, XXXX and the Navy Federal Credit Union take no responsibility for losses. You can't get a live person at XXXX. In my opinion, these companies and financial institutions should take some responsibility and offer some recourse.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-29
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-29
Hazel Park, MI
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Unable to receive car title or other problem after the loan is paid off
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-03-29
IL
Applying for a mortgage or refinancing an existing mortgage
Mortgage: VA mortgage
Complaint: tRIED TO REFINANCE WITH CASH OUT WITH NAVY FEDERAL CREDIT UNION HAD TO JOIN TO APPPLY ( NO PROBLEM ) WENT THROUGH LOT OF CALLING ECT. FINALLY NAVY FEDERAL WANTED XXXX FOR APPRASIL FEE SO I GAVE THEM MY CREDIT CARD I BELIEVE IT WAS THE NEXT DAY CALLED AND TOLD THEM TO CANCELL I DECIDED I DIDNT WANT TO PAY THAT MUCH FOR A LOAN I WANTED TO GET OUT OF BEBT NOT INTO MORE DEBT AND TOLD THEM TO CANCELL THE XXXX FOR THE APPRASEL FEE. THEY TOOK IT OUT ANYWAY AND THEY SAID THEY WOULD SEND IT IN FOR A REFUND SENT SEVERAL EMAILS BUT NO ONE AT NAVY FEDERAL WILL RETURN MY EMAIL OR EXPLAIN WHEN ILL GET THE REFUND AS IAM PAYING INTEREST DAILY ON THE XXXX AND WOULD LIKE IT REFUNDED ASAP.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief