Date Received: 2023-01-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I opened an secured credit card account XX/XX/2021 with Navy Federal credit union for the total amount of XXXX funded with cash to build credit and I was told after XXXX months that I would be consider for a unsecured account in XXXX months after a review with the bank. I was also told if I was approved that they would match whatever had had in my savings account and add that to my secured credit card, so with that in mind I decided to put an additional XXXX on to my credit card to increase the amount to XXXX on XXXX XXXX I was approve for the increase and there was no issues. I noticed about a month later that my savings account was in the negative of {$2900.00} but me not having experienced with credit cards I assumed that it was an error on the bank end and went on with my life. Navy Federal never contacted me, Never sent an overdraft letter in regards to my account being overdraft. I didn't take the negative amount seriously until I called in asking information on how I can increase my chances of getting approve for an unsecured credit care three months after I signed up for the card and that's when the representative told me that I was reponsible for the negative account and wouldn't be elgible for the unsecured credit card until it was paid. I told her that that couldn't be accurate because the {$3000.00} was made and if it wasn't how why did Navy federal allow me to utilize the XXXX and charge me interest on the money for several months if the account was not in good standing or if they never received the initial required payment for the card to be issued. I got the run around, I got I don't know, I got well when we went in to take the funds out of the checking/savings account the XXXX was there so that's why your account is in the negative, so I said well it must have been a computer error or the payment was actually applied to the account through the the system by ach transfer allowing the XXXX limit increase and she said no we never received the payment. I contact serveral associates including branch managers and also requested an investigations on where my XXXX XXXX dollars went if they didn't get the payment and all I got was a packet of bank states for a year but nothing showing that XXXX XXXX dollars was not applied to the credit card. I am writing this complaint because I get at least three calls a week from navy federal in regards to this credit card and every time I tell them why I am not paying they still cant resolved the issues and I am still responsible for interest rates, late payment ect. I want this issues solved in a fair manner and I want all my money back plus interest.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My account was compromised on XX/XX/XXXX $ XXXX was taken out from my account I called to file a claim and today I found out my claim was denied because of no information
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I told XXXX XXXX I was having financial issues but I will be able to pay a large sum in a few months. I am waiting for a house to sell. They closed the account with no written warning.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please read attached document. I've endured adverse action and was discriminated against pursuant to Equal Credit Opportunity Act by this financial institution. This financial institution also committed unauthorized use of my credit card ( SSN ) pursuant to Truth-in-Lending Act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : Navy Federal Credit Union Account # XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX Dear XXXX : I pulled my credit report and noticed that there are items that are not right. I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from Navy federal Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. Inquiry from Navy federal Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, and incomplete please remove it. Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. Inquiry from XXXX XXXX, Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This inquiry was not authorized, please remove it. Inquiry from XXXX XXXX Note : HARD Inquiry : Banking - XXXX, Date : XX/XX/XXXX This is not mine, please remove it. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX & XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. Account : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX I was a victim of a natural disaster at the time of the delinquency, please remove it. I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. Sincerely, XXXX XXXX XXXX : XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened a business account with Navy Federal Credit Union under my previous name XXXX XXXX XXXX for XXXX XXXX XXXX and the business is no more. I have dissolved it and tried to close the account with Navy Federal Credit Union, however, I have been met with so many obstacles and given the run around. All of this is aggravating my XXXX symptoms of being a totally XXXX XXXX Veteran with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I feel as if I have been discriminated against, not treated fair or with dignity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22406
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, my paycheck was garnished by Navy Federal Credit Union in the amount of {$3500.00} for a previous credit card that was charged off. Im a XXXX veteran that was unable to work for 11 months until recently last month I was well enough to get a job. I depended on this money to pay my rent and utilities plus credit card bills, but they took all {$3500.00} and left me with {$63.00} in the account. I have now lost my apartment and am living on the streets. Thanks to NFCU.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76006
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: NAVY FEDERAL CREDIT UNION is a bank and can not loan money. They admit that they are not the original creditors. Remove this account from my credit profiles. Notice of dispute
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A