NAVY FEDERAL CREDIT UNION

2018-03-23

Jacksonville, FL

Incorrect information on your report

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

Account information incorrect
Complaint: Hello, I have a NFCU credit card ending in XXXX and said company has reported to all three credit bureaus 7 ( 30-Day ) late marks. However became very ill wasn't able to work. I accumulated very high medical bills and was unable to maintain internet access to view my accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-22

NJ

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Complaint: XXXX XXXX XXXX is a retail store that uses XXXX to process its credit cards. All of the money from sales that are made by credit cards in XXXX XXXX 's store are received by XXXX who transfers it to XXXX XXXX who is then to deposit them into XXXX XXXX 's bank account. Beginning on XX/XX/XXXX XXXX began to deposit XXXX XXXX 's funds into four different bank accounts. Can did not authenticate the four different bank change forms that XXXX received nor did they authenticate that the new accounts were owned by XXXX XXXX.The first bank account involved was XXXX XXXX routing number XXXX account # XXXX The deposits made to XXXX XXXX are XX/XX/XXXX {$8700.00} ; XX/XX/XXXX {$7300.00} ; XX/XX/XXXX $ {$7000.00}. The second account was Navy Federal Credit Union routing # XXXX account # XXXX The deposits in this account are XX/XX/XXXX {$10000.00} ; XX/XX/XXXX {$36000.00} ; XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$25000.00} ; XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$17000.00}. The third account was XXXX XXXX routing # XXXX account # XXXX The deposits this XXXX are on XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$21000.00} ; XXXX {$8000.00} ; XX/XX/XXXX {$9200.00} ; XX/XX/XXXX {$8600.00}. The fourth bank is XXXX XXXX XXXX XXXX routing # XXXX account # XXXX. The amounts are XX/XX/XXXX {$7900.00} ; XX/XX/XXXX {$7000.00} ; XX/XX/XXXX {$21000.00}. ; XX/XX/XXXX {$10000.00}. ; XX/XX/XXXX {$8800.00} ; XX/XX/XXXX {$7000.00} ; XX/XX/XXXX {$7100.00} ; XX/XX/XXXX {$8400.00} ; XX/XX/XXXX {$17000.00} ; XX/XX/XXXX {$12000.00}. XXXX XXXX sent letters of indemnification to all the banks except XXXX XXXX to request the return of XXXX XXXX funds. XXXX returned approximately {$59000.00}. and approximately {$75000.00}. was returned by either XXXX XXXX or XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-22

Middletown, RI

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened or suggested your credit would be damaged
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-22

Montevallo, AL

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: Navy Federal Credit Union is who complaint is against. XXXX ( loan officer ) I was denied mortgage lending by Navy Federal Credit Union based on discriminatory practices. When I challenged Navy Federal about the decision I was told it was due to a collection item on my report for {$120.00} that turned out to be an error. I had been approved by 2 other banks using same credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-22

Mc Donough, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2018-03-22

Chula Vista, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-21

Rochester, OH

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: Companies involved : Navy Federal Credit Union XXXX XXXX XXXX Card On the evening of XX/XX/XXXX, I went out for the evening to see friends at a local club, XXXX XXXX. This is an establishment I did frequent often and do not deny that in any way as I had friends who worked there and stopped up to see them from time to time. On the evening of XX/XX/XXXX I did give my NFCU card to the staff to hold for a tab, as they stated my other card, XXXX XXXX Card on file was not going through which I though was insane however not uncommon as for security reasons cards do this from time to time. I can honestly declare that this card was not in my possession at all once I handed it to the bar staff. I had no knowledge of the charges that were being attempted and made on this account. At one point I received a phone call from NFCU asking if I had authorized a XXXX charge which I stated I did not and stated that. When I inquired about this to the staff I was told this was a huge mistake and would be corrected. The next morning I was literally shocked to find out that XXXX XXXX attempted to charge my two card for almost 95K in charges in 3 hours. You have the doc on file showing a breakdown of these charges that the bar was trying to charge both your company and my XXXX over this timeframe. They actually tried to charge both cards for the same fraudulent amounts numerous times. I mean who even could think that these were valid charges, charging two cards for the same amounts within 2 mins of each other? ( The breakdown of all charges attempted/made that evening shows a picture of what I am referring to ). I received XXXX receipts for any of these charges and the signatures on these receipts are nowhere close to my own. When I found out of these charges I immediately went to XXXX XXXX and demanded proof via receipts and camera footage. They did not have receipts on file even though it was less than 36 hours after the incident. In fact, the receipts I provided to your company took me almost 1 full month to acquire. Every day I was told a different story on why the receipts were not available. I repeat, I NEVER had a receipt in hand for any of these charges. When I finally received these receipts I was relieve as I noticed the signatures were nowhere close to my own and that this obvious fraud would be reversed. I did not receive goods or services for these charges the massive amounts of uncharacteristic charges were for bar staff tips. I mean come on, one charge was for {$9800.00} as a tip for bottled water?!?!? This is so far beyond even being believable by anyone yet it is has been a nightmare to get anyone to listen since, your card is chipped and wasnt reported as stolen per the mail correspondence I received. XXXX was stolen from me in 4 hours time, XXXX through NFCU and XXXX through my XXXX Card by people who did not think I would miss that money or do anything about it. Thank XXXX I reached my limit on my card as they attempted to charge XXXX ( Docs to you also show this amount ). This is probably the best proof I have outside of the fraudulent signatures and fact that the video recordings are non-existent now. If I truly authorized those charges and XXXX of the XXXX was declined, why didnt this establishment kick me out and try to come after the money from both credit card companies and me?!? Please re-open this investigation. I did not authorize nor spend these funds. I did not have my card in my possession and was denied even getting receipt proof for almost 1 month. I have filed police reports and have attorneys working on this matter however I am asking you to do the right thing and reverse these funds that have stolen from me. Here is a complete breakdown of charges and time per credit card companies. The charges with the asterisks were attempted and thank XXXX declined by both companies. XXXX XXXX XXXX ( XX/XX/XXXX- XX/XX/XXXX ) $ XXXX- XXXX $ XXXX- XXXX * $ XXXX- XXXX ** ( declined ) * $ XXXX- XXXX ** ( declined ) Total- {$41000.00} XXXX XXXX Card ( XX/XX/XXXX - XX/XX/XXXX ) $ XXXX- XXXX $ XXXX- XXXX $ XXXX- XXXX $ XXXX- XXXX $ XXXX- XXXX ** $ XXXX- XXXX ( declined so they charged the other card 3 mins later ) ** $ XXXX- XXXX ( declined so they attempted on other card ) $ XXXX- XXXX $ XXXX- XXXX Total- {$52000.00} To be fully clear, I did not authorize ANY of the charges over {$840.00}. The {$840.00} and smaller were valid, ALL charges over that were not valid and charged as tips/non merchandise. No receipts were provided upon demand for almost 1 full month. The signatures were completely forged and nowhere near my own. When large charges were declined, the merchant tried to use another card they had at a bar tab for these charges as you can see from the timeline above. When that did not work they just charged for smaller amounts that were not being flagged by the credit card companies. My credit has now dropped 90points due to both cards being maxed out. We have lost the fraud dispute with both companies who cited since my card is a chipped card and not reported stolen I would be responsible for these charges. Please contact me at any time for further details
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-21

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

Timely Response

2018-03-20

Vab, VA

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

Timely Response

2018-03-20

Washington, DC

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

Timely Response

2018-03-20

Amarillo, TX

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

Timely Response

2018-03-20

Opening an account

Checking or savings account: Other banking product or service

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

Timely Response

2018-03-20

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2018-03-20

Berkeley Lake, GA

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: I have been fighting with this Navy federal about my credit in XXXX for the longest. I keep getting letters in the mail about me owing money on a credit card for {$1100.00} that I reported years ago as fraud on the acct and I have yet to get that fix. I have flied fraud 3 times and each time i keep getting letters saying its my fault. Everything I call i keep getting the run around about i need to speak to this person or that person and nobody is ever available.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-20

Val Verde, TX

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: I had a credit card with Navy Federal Credit Union. Together, we came upon a settlement amount of 50 % off the entire balance of debt owed. This means that I owed only {$13000.00}. After making a {$150.00} phone agreed upon payment to Navy Federal. Navy Federal failed to mail me a billing statement with an updated balance, showing the remaining amount left on the account or the payment I had made. In essence, I had no way of proving they had upheld the settlement agreement, or posted my payment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-20

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

2018-03-20

Problem when making payments

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

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

Timely Response

2018-03-20

Glendale, AZ

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-20

Ewa Beach, HI

Managing an account

Checking or savings account: Checking account

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

Timely Response

2018-03-19

Imperial Bch, CA

Fees or interest

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

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

Timely Response

2018-03-19

Shalimar, FL

Trouble using your card

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

Can't use card to make purchases
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-19

Brooklyn, NY

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

Timely Response

2018-03-18

Newnan, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Today I noticed a charge of {$160.00} debited out of my Navy Federal Checking Account. I contacted NFCU to see what this charge was for and was advised by a supervisor by the name of XXXX, managers name is XXXX that I previously owed a debt that was charged off in XX/XX/XXXX. However this debt to NFCU was included in bankruptcy that was filed on XX/XX/XXXX in the US Bankruptcy Court XXXX District of Georgia, Case XXXX, the meeting of creditors was held on XX/XX/XXXX and case was discharged in XX/XX/XXXX. When the bankruptcy was filed NFCU closed all of my accounts. I recently reopened my NFCU account in early XX/XX/XXXX. All the representatives were aware that my accounts had been included in bankruptcy and because of this I had limited functions on my NFCU checking account and still do. I would like to add that the accounts which include a checking/savings, credit card and personal loan are also listed on my XXXX, XXXX and XXXX Credit report as being filed under a bankruptcy. My rights have been violated under the Federal Fair Debt Collection Act and I am requesting that this issue be carefully looked into. This is unfair and has caused emotional stress. Now I am worried that my money that I have worked hard for is not safe in this account and that NFCU is unpredictable and will attempt to debit money out of my account in the future.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2018-03-18

Ocklawaha, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-03-16

AL

Incorrect information on your report

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

Account information incorrect
Complaint: Navy Federal Credit Union is reporting 2 adverse trade lines ( 2 credit cards ) as 4 adverse trade lines and 1 closed account paid ( 1 vehicle ) as 2 closed accounts paid. As a result three Navy Federal Credit Union trade lines are reporting as six Navy Federal Credit Union trade lines. This is negatively affecting my credit score and credit worthiness. The following Navy Federal Credit Union ( vehicle ) closed account paid is reported as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The same vehicle loan is listed as two different trade lines with two different account numbers. The 30, 60, and 90 day lates are reporting twice as late payments. The following Navy Federal Credit Union ( credit cards ) accounts are reported as follows : XXXX XXXX XXXX Past Due : {$2200.00} Payment : Collection XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Past Due : {$2200.00} Payment : Profit & loss Balance : {$2200.00} XXXX XXXX XXXX Past Due : {$2000.00} Payment : Collection XX/XX/XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Past Due : {$2000.00} Payment : Profit & loss Balance : {$2000.00} The amount past due is reporting a total of {$8600.00} ( XXXX + XXXX ) two times the amount of the total past due. The total past due is {$4300.00}. Last active date XX/XX/XXXX is incorrect. According to the report, both accounts were closed by credit grantor in XX/XX/XXXX. My records indicate last payment made on either credit cards was XX/XX/XXXX. A negative credit reporting for both cards began in XX/XX/XXXX. No payments or activity were made after that date. I have attached a copy of my credit report supporting my complaint. I have blacked out information not pertaining to this complaint for my personal protection and privacy. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response