Consumer complaint received 2018-05-22
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi my name is XXXX XXXX. I am fed up with Navy Federal.  I have been harassed by them for some time now. It has started a few months back as soon as I bought some family members on board. I had have a few incident where they have locked my accoutns for no reasons at all and I had to go to verify my account more than 10 times in less then a year of opening my account. I understand that its their job to verify but it comes to my attention that Im randomly being picked. I just recently had an incident where sponsored my dad and I was called by someone by the name of XXXX XXXX from Navy Federal and he asked me personal questions and I remember him asking me my birthdate and when I told him my birthday he told me that how can I not see if my father is listed on my birth certificate. I answered and told him that my father isnt listed on my birth certificate only my mom is listed. So he became aggressively sarcastic and disrespectful to where it began getting me XXXX but I kept my composure during the phone conversation. I called back to complain only to talk to a supervisor who didnt help me at all. It all happened because I sent over a check to my XXXX XXXX account and it was a check sent out to the main branch and not the XXXX XXXX number and I was my mistake so the check took didnt clear and I was told that I have to verify the check by XXXX XXXX but since I never receive the check, I told XXXX XXXX that I dont have a copy of the check to show it was sent under my credit card account. So XXXXXXXX XXXX called Navy Federal to verify the check and Navy Fed said the check was fake. Well someone from the security team at XXXX XXXX called Navy Federal and thats what was told to him. I had to go into to Navy Federal today to verify that it is me and my father had to go verify at Navy on Monday. We did that and his account was unlocked and I was told by XXXX XXXX at Navy Federal that mine will be unlocked. I thought that was the end then he continues to harass me and say things that have nothing to do with me. He said that going forward that any account that I sponsor that does shenanigans on their accoutns I will be held accountable for it. I mention to him that there is no one that I sponsored that is doing any shenanigan or will attempt to do any foolishness. Then his voice became aggressively loud so I kept my composure once again on yet another phone call. He tried to intimidate me with his voice and speak to me as if Im illiterate and dont comprehend. I have had issues in the pass with Navy Federal where my checking account went into negative XXXX and it wasnt my fault. I disputed charges where a company called XXXX XXXX  XXXX XXXX charged me for more than a month and I cancelled their services within the 30 day time period. When I disputed the charges, Navy Federal said that there was nothing wrong with the dispute and I know for sure that I cancelled the services. It was months ago. Also I have had charges on my credit cards where I disputed the charges and they also told me that there was nothing wrong and I mentioned to them that the card was in my possession and that it was used. I didnt randomly place charges on my credit card. That credit card Cash Rewards. They never refunded me back my money. I have had issues with XXXX and renting vehicles. I was charged too much for a rental. I reserved a full size car and I was given a compact vehicle. I called into XXXX and they never took care of that situation so I called my bank to make them aware of those charges and that it was never adjusted at the time of the rental or there after. That was one incident with renting from XXXX and I let Navy Federal know that. Secondly I rented a compact vehicle some time ago and I was given a crashed car where the bumper was crashed in the back and the right side of the vehicle was also hit. Before I left with the car I asked the XXXX Manager is there any other cars he said no and I seen more than a few cars in the lot but maybe they were reserved for other customers at the time or day. So upon leaving the lot I was forced to take insurance on the car and was charged for insurance and they never compensated me back for that rental so I called Navy Federal and told them this same thing Im sendning now and I was told that there is nothing wrong with my dispute and charges were correct. How could I not dispute a product that I was given and the product was horrible, dismantle and hazardous to me and my family. The back bumper was coming off and the side attempted to come off because of the wind where it was getting in the way of me look through the side view little mirrors where I couldnt see. So I called in to XXXX to make sure that theyre aware but XXXX failed to cooperate and I called Navy and they failed to cooperate to. I know that if I payed for a product or service and its defective I should refunded or compensated back my funds, I disputed and Navy once again told me that nothing was wrong with the dispute. I just recently rented a car where the price was set at {$99.00} but when I got the email receipt, I noticed I was charged {$140.00} for the rental which was for 4 days and I was told it was {$99.00}. I called to dispute that charge and that they charged me more than what the price was. So I have had bad encounters with Navy Federal not assisting me or helping me in any way possible. I am fed up and I would like to take this to a civil court room if Im not given back or compensated my money for the defective product I payed for and how my bank is ignoring my disputes. Someone needs to give me my money back and I wont stop until I am given all my money back from either Navy Federal or XXXX and other companies that are on past statements. My checking account is now in the negatives, also my business checking account had the same problem. I am being harassed at Navy Federal every time and they wont seem to assist me. I am a XXXX XXXX XXXX and I shouldnt be treated like Im a criminal in any way shape or form. I shouldnt be discriminated against for any reason what so ever and I am willing to take this to civil court in front of a judge. I am sick and tired of being treated like someone who I am not. It is unfair to me as a human being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation