NAVY FEDERAL CREDIT UNION

2018-08-22

Summ, SC

Charged fees or interest you didn't expect

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

Timely Response

2018-08-22

Summ, SC

Charged fees or interest you didn't expect

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

Timely Response

2018-08-21

Struggling to pay your loan

Vehicle loan or lease: Lease

Denied request to lower payments
Company Response: Company believes complaint is the result of an isolated error Closed with monetary relief

Timely Response

2018-08-21

Port Republic, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-21

Portland, ME

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: Someone gained access to my online bank account and transfer {$4500.00} from my checking account to a XXXX XXXX XXXX Account XXXX indicating I am the owner of this XXXX XXXX XXXX Account. I do not have a XXXX XXXX XXXX Account, and the account is not mine. I have contacted XXXX XXXX XXXX myself and confirmed this is not my account. My bank is holding me accountable for the lost, denied my fraud claim. They argued that since the transfer was originated from one of my devices according to their IT, so I 'highly likely have made this transfer '. I did not create the external account indicating its my account in my online banking account, then transfer {$4500.00} to this particular account I have no access to. I did not authorize the transfer of {$4500.00} from my check on XX/XX/2018. I informed the bank of this unauthorized transfer on XX/XX/2018. I do not have access to this external XXXX XXXX XXXX Account, and it is not under my name. My bank is only willing to send a letter to XXXX XXXX XXXX to request the return of {$4500.00}, and they did not iniliate the transfer after a week of me informing them. My bank known the external account is not mine, even despite it indicate it is transferring to me, but holding me accountable without evidence proving I made the transfer. My Bank is : Navy Federal Credit Union Account Number : old ( compromised account ) XXXX new:XXXX Call NFCU multiple times each day. Submitted appeal over 10 days ago. First was told they received the appeal and it takes time. Then was told today they didn't receive the appeal and I would need to resubmit the appeal. Called three times today to ask to speak to the agent who handled the case but was told she can't speak to me. In all three calls today I was told no one is working on this case or looking into it.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-21

Gastonia, NC

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I received a call XX/XX/2018 that I needed to pay my last due balance of {$140.00}. I told the rep I would do a transfer in cash before XXXX. He said I should pay with my checking account and I promised to make a payment. I told him last month I received a 30 day late payment and I paid XX/XX/XXXX. He said that payments need to be received by the XXXX every month. On my credit so far I am charged three late payments. Navy Federal is destroying my credit. I think they are personally attacking me due to my last complaint on this website. I am trying to repair my credit but this is the only credit card destroying my credit. I told the account representative that I almost died XX/XX/2018 when I XXXX XXXX to a XXXX XXXX at XXXX XXXX. However, the only option was deferred payment for two months or close your card out completely. I want to remain a navy Federal customer I just want them to stop reporting me late for all of these months. I have never ever missed a payment. I have a XXXX XXXX XXXX on a XXXX XXXX. I cant even get a new car because of the status of Navy Federal. Please assist me with the {$82.00} of fees that was charged since XXXX XXXX.due to these ridiculous fees Im now over the limit. Ive brou amazing business to Navy federal. I co own a card with my mother and I pay hers completely every month. Her payment is less money and I charged XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-21

Lynnewood Gardens, PA

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
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-20

Newhall, CA

Struggling to pay your loan

Payday loan, title loan, or personal loan: Installment loan

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-20

Shulerville, SC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: Navy Federal Credit Union reported me late on a credit card that does not belong to me, I am an authorized user only. I never signed anything saying that I would be financially responsible for this card.They reported me late, and when my wife called, they advised me that they reported me as an authorized user, and would not be able to correct. My wife had me removed as an authorized user, but I need them to go and fix my credit report. You can not report on an authorized user, because I never had financial responsibility for this card
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Timely Response

2018-08-18

Macclenny, FL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: Hopefully this explication I hope to illustrate the breadth of my exasperation with NFCU. Multiple grievances beg multiple complaints. Because credit unions by definition are meant to be non-profit perhaps the title Navy Federal would be a more honest, fitting name for the organization. After all the issues, contact, & digital correspondence on my part to address has proven futile - right up to the point on XX/XX/XXXX when a cryptically titled supervisor to me directly - on call recorded for quality assurance - my issues would not be corrected before immediately hanging up on me, as I stated in a previously documented complaint. All the ridiculousness perpetrated by NFCU culminated yesterday, Friday XX/XX/2018 - when I learned this supposedly non-profit credit union did not honor 2 {$5.00} dollar check payments to my child 's elementary school! My last deposit into my NFCU checking account was {$250.00} dollars. My last deposit into my savings account was {$60.00} dollars. I HAVE NOT SEEN A SINGLE PENNY OF THAT DEPOSIT, because of NF 's actions. Actions which can only be described as transparently " for-profit ''. I have never missed a payment on any of my NF accounts. I have ignored previous underhanded, non-compliant, deceitful, and/or unfair tactics in the past, however when or if I was " serviced '' as a " customer '', & an issue was resolved, I have never hesitated to correspond graciously by posting a letter in the secure messages section, or sending an email or text, thanking NFCU for the resolution. For example, I live in Florida on a barrier isle that has been evacuated 2 times in as many years, due to Hurricanes Matthew & Irma. I took issue when certain federal mandates enacted to aid disaster victim members like myself, residing in a federally designated disaster area, were not originally honored per Federal Regulations. When I contacted NFCU & outlined the specific details per the Federal requirements, my particular request - though originally denied - was reviewed & granted. As always I publically posted a letter of thanks & praise addressed specifically to NFCU. Now in all pertinence, NFCU followed actions that were REQUIRED of them by FEMA & other government entities. The original denial of my request during Hurricane Irma violated the disaster protocols in place. Nevertheless, I did thank them in writing for doing essentially what they were already required to do. My point here, is that I am loathe to waste valuable time on frivolous complaints. I am also loathe to waste valuable money by having funds - designated by the purposes I see fit. I have no argument regarding paying on my accounts. Let me reiterate - to the best of my knowledge, I have never missed a payment on ANY of my NFCU accounts. Yes, I may have made a payment a few days late. A. Few. Days. Late. And whenever as issue has arrived, where the onus was mine, I have contacted and/or corresponded in a forthright & compliant manner. I have no argument with agents doing there jobs, or passing the buck to another agent if they could not. I have no problem reading & explaining Federal statutes to NFCU employees who have said - on calls recorded for quality assurance - that they have no knowledge of government statutes & regulations - be they Rules regulating National Disasters, or be they pursuant to the Dodd Frank Act - as I briefed NF agents XXXX & XXXX on, & as I would have been more than happy to brief the utterly incompetent supervisor who hung up in my face a few days ago. I would have no argument translating the English version of these statutes into any of the multiple languages I speak. I have no argument whatsoever doing NFCU 's job of informing & educating its employees to save the embarrassment of agents needing to research lawsuits, settlements, Navy Federal Consent forms to settle {$28.00} XXXX dollars in fines egregious violations designated on authority of the CFPB, while I am on the phone with said agents! On a positive note, while I've waited on hold for multiple hours as the agent reviewed the statutes, I at least had the gratification of those agents ' acknowledgement & agreement that I had indeed been violated. I have no argument with that time consuming inefficiency at all. But believe you me, I ABSOLUTELY, UNQUESTIONABLY, HAVE AN ARGUMENT WHEN ACTIONS OF GREED & INCOMPETENCE CAUSE DISTRESS TO MY CHILD. When funds I earn, are placed in an account I opened, are stolen from me in such menial unconscionably underhanded, greedily deceptive way leads to dishonoring a {$5.00} dollar check, I repeat A XXXX DOLLAR CHECK?? That will not stand. And to be treated so rudely, in an attempt to bilk the very members who make up the organization, remove funds without authority or due to misinformation - such as an agent telling me to put a stipend of funds into my savings account to prevent funds already designated to elementary schools, for example - then taking that money for whatever use NFCU is in the mood for, to make a greedy buck for funds allocated to a child?!? After I proactively brought that very concern to NFCU 's attention in a pre-emptive act of good faith?!?. That's a bit more " Cosa Nostra '' than " Non-Profit ''. ... Non-Profit organization owned by the members whom you treat with such contempt. Be assured. When an issue causes distress or harm to mine - and I would bet anyone else 's children. I will not let this peculiar form of non-profit, XXXX your XXXX service members, ignore federal actions, this-almost-too-ridiculous-to-believe excuse for service - be ignored. FIX IT. Otherwise NFCU ... Let 's Dance.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-17

Cheverly, MD

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with fees charged
Complaint: Through out my entire loan navy federal has charged {$29.00} fees for being late and there was never an agreement of such fees. They are also charging {$29.00} for fee adjustments on both loans I have with them that has been going on through out the term of the entire loan. I can never seem to pay my loans off as they keep adding these fees.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-17

Macclenny, FL

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: Unauthorized & unethical withdrawal of funds in the midst of paying not delinquent on time payments after speaking to several agents who assured & misinformed me of procedure. While literally in the middle of making on time payments, NFCU accosted funds on non pass due accounts. I use the " XXXX fund method '' of managing debt & so my young child 's lunch money account would not be affected by NFCU 's often egregious unauthorized access I was told by an NFCU agent to simply move any funds not owed into my Savings account. Unbeknownst to me until after my son 's school accounts were paid by check, upon reading a myriad of other complaints against NFCU 's underhanded practices, I checked my account, only to find that I was intentionally given misinformation by an NFCU agent. On XX/XX/XXXX around XXXX EDT hen I inquired about this - & several other issues - that seemed to contradict info given me, I had several agents agree & transfer me to a supposed Supervisor who was rude & abrupt & hung up on me before I had an opportunity to even ask a single question. Ever bit of my XXXX school age child 's lunch funds stipend of {$60.00} plus dollars had been taken without authorization leading to the epitome of un-integrity. To have a supposed Supervisor whose very job is to serve customers, hang up on me so abruptly was inconceivably unprofessional, especially in an organization owned my members. I had the names of every previous agent, yet when attempting to find out who said rude, unprofessional, utterly unconcerned NFCU agent to make the deplorable treatment known to her department head, all of a sudden there was no one willing to do their jobs & connect me with the agent who perpetrated such utterly incomprehensible action. There is ABSOLUTELY NO excuse for treating ANY customer in that fashion, & I will leave no stone unturned to have that lacky made accountable for her actions! Her treatment was UNACCEPTABLE.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-17

Macclenny, FL

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: : According to the guidelines set forth in the CFPB investigations & actions against NFCU, I am unquestionably one of the members due compensation in redress as one of the victims of unfair/Illegal/Unethical restrictions on Account Access. Instead of being personally contacted per CFPB mandate I had to inquire personally to NFCU, going so far as to voluntarily read & address issues affecting me. On XX/XX/XXXX I spoke with 2 agents a " XXXX '' & her Supervisor " XXXX '' - who literally said they had no knowledge of CFPB actions to compensate the myriad of victims of these tactics for which NFCU was fined upwards of XXXX XXXX dollars. After hours of conversation & correspondence, Both agents, most importantly the Supervisor XXXX with whom pulled up the CFPB website that I alerted him to, & wholeheartedly agreed that I was indeed eligible for compensation in accordance with the required actions, and guided me to call immediately the following morning, when said department was open. On XX/XX/XXXX, I indeed followed XXXX 's recommendations, to speak with the Collections department, so they initiate correct of the situation so that he may contact the Claims department in order to receive compensation for NFCU 's actions towards me & so that he could then reverse the adverse affects - as he was unable to do so in the wee hours in which he & I spoke, & assured after speaking with both the Credit Card & Collections department so that he could correct the violations perpetrated on my account, thereafter I could contact the Claims department for the compensation and redress as I was due those reversals - particular the unauthorized removal of ALL the funds in my NFCU Account, and the unfreezing of my current, up to date accounts. As previously mentioned when I did as suggested at the behest of the NFCU agent, the CFPB & the advice of my attorney, I reached a rude, insolent, unprofessional Collections Supervisor who refused to give me her name or operator ID. She refused to listen to my situation. She refused to acknowledge the CFPB investigations & subsequent recompense. She refused to even acknowledge the directives of the her colleagues who directed me to her after debriefing her of the situation. On the contrary - instead this supposed supervisor refused to acknowledge or comply with the federal CFPB actions set forth against NFCU for improper debt collection activities & general inquiries dealing directly with the federally mandated rulings, requirements, grievances, & actions set forth by the CFPB for these actions & the utter mistreatment of NFCU 's members. On the contrary, this unnamed Supervisor continue to blatantly refuse the comply with the actions taken by the CFPB for improper debt collection practices. Instead said supervisor took 15 seconds to tell me there was absolutely no way she would correction the mistakes - as is her duty - told me there was no way XXXX would be reversing/correcting the violations. Subsequently she told me there was " no way '' and unbelievably, this supposed " professional '' abruptly hung up on me & refused any correspondence with me thereafter. It is important to note, I have never missed a payment in the many years since I became a Navy Federal member. I was not contacted by any NFCU member as was the requirements for victims in accordance with CFPB ruling. She refused as well, to acknowledge both agents who put me through to this utterly inept Collections supervisor on XX/XX/XXXX, specifically " XXXX '' at XXXX XXXX, " XXXX '' at XXXX XXXX & " XXXX '' at XXXX XXXX. Each of these 3 agents were professional, capable, informed, and congenial. The unnamed supervisor was absolutely, mind-bogglingly incapable & unacceptable in her behavior. Were she an employee of mine, she would have been FIRED ON THE SPOT. PERIOD.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-16

Mesquite, TX

Improper use of your report

Vehicle loan or lease: Loan

Credit inquiries on your report that you don't recognize
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-16

Belle Haven, VA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have repeatedly been called by people representing Navy Federal Credit Union ( XXXX ) -XXXX. I was called multiple times in regards to two separate people on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. On Three occasions I have spoken to XXXX and XXXX ( shift supervisor ) and today I spoke with Mr. XXXX. Me XXXX said I would continue to receive calls because of the skip services they use to find members. I have repeatedly asked for my phone number to be removed and for all calls from them to cease.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-16

Philadelphia, PA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2018-08-16

Belton, TX

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 attempted multiple times to address this error with Navy Federal Credit Union ( NFCU ). They are now in multiple violations of the Fair Credit Reporting Act ( FCRA ). NFCU needs to delete this innacurate information from all 3 of my credit reports immediately. I have a settlement agreement with NFCU entered on XXXX XX/XX/2018. I have attached a letter to prove this. This letter summarizes that I have made timely payments in accordance with our agreement. I have made three payments thus far. Initial balance with them was only {$19000.00}. They continue to report inaccurate information such as the following on my 3 credit reports : " charge off '', " no payments '', " late payments '', " balance due of {$26000.00} '', " placed as bad debt '', " placed for collection '', " collections '', collections and skip '', " charge off '', and more, on all 3 of my credit reports. I have a sample attached from my XXXX report for verification. I have made 3 timely payments of {$320.00} a month, and my balance owed is now only {$18000.00}. FCRA Violations : # 1 : " Reporting a debt as charged off when it was settled '' # 2 : Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. Lastly, each time I have tried to dispute this matter and have it updated, these accounts have been negatively " re-aged '' .... # 3 : Re-aging a debt, credit card or other past due accounts resets the collection limitations clock and may give collectors and creditors a fresh start. Creditors DO NOT have to re-age past due accounts, but when they do without your permission or payment, their actions is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, if the re-aging constitutes false information furnished or transmitted to a credit reporting agency. Re-aged debts restarts a statute of limitations on collections and is not legal. Please assist me and remove this immediately from all 3 of my credit reports. It has now harmed me financially by not being able to qualify for a Veterans Affairs Mortgage, even though I am a XXXX XXXX XXXXXXXX Veteran. The additional amount of money in rent I will now have to pay over the amount of VA loan mortgage will total over {$180000.00}. During the lifetime of a 30 year loan, even though I have attemtpted to do the right thing in fairly resolving this debt with NFCU, this is devastating news.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-16

Hialeah, FL

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
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Timely Response

2018-08-15

Newnan, GA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: Disputed the inquiries and called customer service
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-15

Bremen, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I contacted Navy Federal as I had 2 accounts approaching 30 day late. I asked which 2 accounts those were so that I could pay before it would be reported. I posted 2 payments to bring my accounts current with plans to post the final payment to the 3rd account before it hit 30 days. I was mislead into believing I had paid the 2 accounts that were passed due when I had not. My accounts were closed without explanation and statements forwarded to an old address where I had no way of knowing my dates. Also, online access and convenient payment options weren't available to me but only by driving an hour or more depending on my location to post a payment. This 30 day mark has caused my credit scores to plummet and I feel this is due to error on Navy Federals part. I've been a member just over a year and had not missed a payment prior to this. This could have easily been handled had I known but Navy Federal chose to call me on day 31 advising me that I would need to make a payment to avoid additional fees/late charge penalties. This is ridiculous
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-15

Live Oak, TX

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-15

Robertsdale, AL

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-15

Stockbridge, GA

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-15

Main Office, VA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: XX/XX/XXXX - I made two mobile wallet check deposits for {$5000.00} each ( {$10000.00} ) into my checking account. The deposits were made at XXXX Eastern time, reviewed and approved at XXXX. {$200.00} was immediately available in my account. According to the bank the posting date for the checks was XX/XX/XXXX XX/XX/XXXX- I am not sure if another small portion of the funds was made available into my account because Navy Federal Credit Union online check register is often not accurate and hard to read and understand. I made two more mobile wallet check deposits for {$5000.00} each ( {$10000.00} ) into my checking account. The deposits were made at XXXX Eastern time, reviewed and approved at XXXX. {$200.00} was immediately available in my account. According to the bank the posting date for the checks was XXXX. I paid bills after the bank represented the funds were present in my account. It needs to be noted that I would not have paid bills had I of known what was going to transpire next. At XXXX/XXXX I received two email communications as follows : Dear Member : " This email is in reference to your Navy Federal account . On XX/XX/18, a check ( s ) was deposited to your account. A further review of your account indicated potentially suspicious activity. As a result, a restriction, which prevents certain access, has been placed on your account. Please contact a Security Specialist toll-free at XXXX, option 4, to discuss this matter. Security Specialists are available to assist you Monday through Friday between XXXX XXXX and XXXX XXXX and Saturday between XXXX XXXX and XXXX XXXX, Eastern Time. Your immediate attention to this matter is required. Sincerely, Navy Federal Credit Union '' It is noted that this is now after business hours and I could not contact the bank. An immediate check of my account revealed that I was locked out of my account and my DEBIT card was no longer active-blocked. I'm still unsure what was suspicious about depositing checks into my account at my bank.XX/XX/XXXX - At XXXX I called the bank and was advised there was a hold placed on the two most recent checks. I was advised there would be a 5-day hold placed on the two checks but that the two other checks had already processed and were available in the account. I was given access to look at my account online/mobile again and saw the balance. Because of this, and for no reason that was communicated to me, my account was placed in a " Credit Only '' status. I did not know what that meant until later that morning when I tried to use my DEBIT card and found it being declined. Upon contact with the bank I was advised that my account was FROZEN, and I would not have access to ANY FUNDS until 5-days had passed ( presumably the XX/XX/XXXX-XX/XX/XXXX ). It should be noted that there were funds in the account that pre-existed the check deposits that were frozen AND my available balance showed as {$10000.00}, also reflecting a statement balance of {$20000.00} ( the last two checks were acknowledged but held ). I'm guessing that the initial $ XXXX had already cleared and processed and the bank just decided that since they could not place a hold on those checks, they would FREEZE me out of my own account and prevent me from accessing my money. Upon confronting the staff at the only branch in town, all of this information was repeated, and the Security Department had frozen my account completely. No one was willing to fix the issue, of course citing their company policy all along the way. I was even advised that any pending transactions ( such as the ACH bills I had paid the night before or any outstanding checks that had not posted yet ) would be returned, I would be assessed fees on both ends and there was nothing I could do. I was told even if I made a cash deposit to ensure those transactions were covered, which I was planning on doing because of this issue, the account was FROZEN and CREDITS would be the only thing processing to the account. I attempted to close the account, to at least stay the potential return charge fees, and was advised they would not close it until the checks posted. They also refused to permit me to withdraw on the available {$10000.00} that was clearly showing as AVAILABLE on my mobile app, my online statement and on receipts issued by the bank. After threatening them with the police, I was permitted to withdraw {$33.00} which is what the branch stated in the branch was what was left of my money. It should be noted the AVAILABLE BALANCE after this withdrawl was {$10000.00}. Furthermore, I allege they did not follow the Expedited Funds Availability Act in the performance of availability of funds. As of the writing of this communication ( XX/XX/XXXX XXXX ) fund show as available in my account, I have no access to any of my money, and my debit card is blocked. https : //www.consumerfinance.govXXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-08-14

Avondale, MD

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

Timely Response