Date Received: 2023-07-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I see a few violations involving XXXX, XXXX and XXXX along with XXXX XXXX XXXX, Navy Federal and XXXX accounts. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX5 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying Information of another person without authority. Anything added to my report without my written consent could be considered Identity theft. XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX changed off these accounts.. According to the IRS website. A charge off is considered a Certificate of Indebtedness which means it is considered Income. Income is not debt so these accounts need to be removed. When a company charge off debt they are supposed to send the customer a 1099 form so it can be filed with my taxes and must be removed. Ive sent XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX an opt out letter a month or so ago. I attach the letter to this complaint. Also I uploaded a screenshot of my credit report showing the inaccuracy of the reporting. XXXX, XXXX and XXXX have different account number, open dates and last payment. XXXX5 U.S. Code 1681e Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall Follow reasonable procedures to assure maximum possible accuracy of the Information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information Contained in consumer reports you are also violating compliance procedures Under this title 15 U.S. Code 6802 Obligations with respect to disclosures of personal Information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution May not, directly or through any affiliate, disclose to a nonaffiliated third Party any nonpublic personal information, unless such financial institution Provides or has provided to the consumer a notice that complies with Section 6803 of this title 15 U.S. Code 1681c Requirements relating to information contained in consumer Reports Except as authorized under subsection ( b ), no consumer reporting agency may Make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of Convictions of crimes which antedates the report by more than seven Years. No adverse item besides the conviction of crimes should be on your report Any item that is a derogatory mark is not allowed into consumer reports. This is another violation
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2023. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. the finance charge does not include cash, but Navy Federal Credit Union took cash. The finance charge is supposed to include insurance, but Navy Federal Credit required insurance to be purchased separately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98375
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: NAVY FEDERAL CREDIT UNION denied me a consumer credit transaction. They are in violation of 16 CFR 433.1. They are not exempt because 16 CFR 433.3. I am a consumer according to 15 USC 1692 ( E ). They are in violation according to the Truth and Lending Act. Credit is the right that is granted to me. They denied me this right.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Remove late payments violation of violation of : 15 USC 1666 ( b ), 15 USC 1681s-2 ( a ) ( 1 ) ( F )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: NAVY FEDERAL CREDIT UNION denied me a consumer credit transaction. They are in violation of 16 CFR 433.1. They are not exempt because of 16 CFR 433.3. I am a consumer according to 15 USC 1693 ( E ). They are in violation according to the Truth and Lending Act. Credit is the right that is granted to me. They have denied me this right.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is a follow-up to the previously filed case number XXXX. Neither CFPB 's nor the credit union 's responses were responsive to the complaint. NFCU lied on XX/XX/XXXX regarding the circumstances of their " notice '' that my debit card had been revoked ; they told me that " notice '' was given by means of a letter sent on XX/XX/XXXX ; the " notice '' was not received until the following week and was dated XX/XX/XXXX ( copy attached ), which means that no advance notice was given for the suspension of my debit card. NFCU did nothing for nearly three months, and when they did finally reply, the information provided did nothing by way of a meaningful or satisfying explanation for their actions. See letter dated XX/XX/2023 ( copy attached ). The alleged " violation of the Debit Card Disclosure '' was not specifically set forth, nor was a copy of the " Debit Card Disclosure '' even provided. I contacted NFCU by means of their internal messaging service in my online account web page, but they just ignored me and did not reply.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 49009
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, XXXX received a text message alert from an unknown number ( Tel : XXXX ( XXXX ) XXXX ). In the body of this message was the following information : NFCU : Unrecognized device ( XXXX XXXX ) currently signed into your online banking near XXXX, OREGON If you don't recognize this device reply " NO '' to secure your online account. Reply " STOP '' to end text alerts. ( See Attachment F ) Following that message was another that stated as follows : NFCU : Your {$500.00} CASHAPP** payment to " XXXX XXXX XXXX on XX/XX/XXXX is now processing. If you don't recognize this payment reply " NO '' to dispute this transaction. Reply " STOP '' to end text alerts. ( See Attachment F ) On XX/XX/XXXX at approximately XXXX pm, while at work, Member had a missed call and Voicemail from an unknown number ( XXXX ( XXXX ) XXXX ). The person who left a voicemail claimed to be an Agent calling from the Fraud department with information about a matter and to call them back Asap. ( See attachment XXXX ). On XX/XX/XXXX, at approximately XXXX pm, Member received a phone call from someone who claimed they were a representative with NFCU fraud investigation Department and that they were calling in regards to a attempted transaction for {$500.00}. The number this scammer utilized to contact member was XXXX ( XXXX ) XXXX. During the call, trusting that this was a legitimate communication from NFCU, member disclosed some personal information including name, address, phone number, date of birth and other information. Member explained that they did not initiate the attempted transaction. Scammer then instructed member that the NFCU account needed to be secured and that they would assist with that process. Scammer was able to send a series of texts to members phone from NFCU in order to change the password on the NFCU mobile app. Password was successfully reset at XXXX pm. ( See attachment C ). On XX/XX/XXXX at XXXX pm, someone with the name XXXX XXXX with the Cash-tag name XXXX attempted to withdraw funds from Members NFCU bank account by way of Cashapp ( which at the time was linked to members NFCU debit XXXX ending in XXXX ), in the amount of {$900.00}. XXXX identified this attempt as a Potential Scam and the transaction was Declined. ( See attachment B ). On this same date approximately XXXX minutes later at XXXX pm, someone with the name XXXX XXXX with XXXX $ XXXX attempted another transaction, this time in the amount of {$950.00}. This attempt was approved by XXXX and the funds were successfully transferred from members account. ( See attachment A ). On XX/XX/XXXX, at approximately XXXX pm, after realizing that they were the victim of a scam, member promptly took the appropriate steps to secure their XXXX account by unlinking their bank account and corresponding debit card from XXXX. XXXX also changed their XXXX account login information and security PIN code. ( See attachment G ). Member then called Navy Federal to report the unauthorized transaction and scam using the number provided on the NFCU banking app. Member spoke with a representative at NFCU and at XXXX pm members account was secured by changing the username and password. ( See attachment D ). Initially NFCU returned my money. A month later NFCU electronically deducted the funds from my account leaving my account {$670.00} in the negative. NFCU has failed to follow its own Zero Liability Policy. NFCU has no legitimate basis for its decision and at this point, the taking of my money is considered theft. Based on all the evidence, I was clearly the victim of fraud! NFCU needs to return my money or I will pursue legal remedies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21218
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My Information Was Used Fraudulently. I Didnt Make These Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX NAVY FCU Inquiry: XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX NAVY FCU XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Im dealing with a hardship, I got hit by a car & I am XXXX, I have a XXXX XXXX. Navy Federal Credit Union repossessed my vehicle. I am also registered under uniform commercial code file XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: 3 ACH Transfers were taken from my account in the amounts of {$900.00}, {$900.00}, and {$500.00}. for a total of {$2300.00}. according to the Navy Federal Credit Union The person that removed these funds is XXXX XXXX. This was done on XXXX XX/XX/2023. The Credit Union contacted me and asked if I authorized these transactions and I said no I did not! Since then every time I contact the Navy Federal Credit Union they tell me that their security department is backed up and or working on it. That is the only information they have given me to date.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A