Date Received: 2022-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is fraudulently reporting information on my report without my consent. I am not aware of this account who opened it and the account is being reported as charged-off. That means someone was paid off the account and my name. Who gave them consent to report this account? They have not provided my wet hand original signature that gave them consent. This is damaging my reputation and causing injuries as I am not able to obtain credit. The account has been charged off so why is it on my private report. Regulation P stated they are required to provide an opt out notice which means they are moving in dishonor by not respecting my privacy disclosing information to a third party without my consent. 15 USC 1692a ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit bureaus and their is only one Bureau and that is the Consumer Financial Protection Bureau. 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They have not provided any documentation of that was obtained through personal interviews with neighbors, friends, or associates. Section 1036 ( a ) ( 1 ) ( B ) of the CFPA prohibits unfair, deceptive, or abusive acts or practices. 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) An act or practice is unfair if ( A ) the act or practice causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers ; and ( B ) such substantial injury is not outweighed by countervailing benefits to consumers or competition. 12 U.S.C. 5531 ( c ) ( 1 ). I KEEP GETTING DENIED CREDIT BECAUSE XXXX XXXX IS FRAUD WITH THE REPORTING ON MY PRIVATE CONSUMER REPORT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: Agent, At the beginning of the Pandemic, I had to buy materials for my home to stay healthy because allot of items were leaving the shelves, i.e., medicine, food, mask etc. I am a XXXX and needed to ensure I stayed as healthy as possible. I was already living from Paycheck to Paycheck because of XXXX XXXX and going back and forth to XXXX XXXX from XXXX XXXX often for my XXXX services. I had a lot more bills, but the XXXX services were a major task. XXXX XXXX XXXX contacted me and informed me they could help me pay off my bills and increase my credit. I agreed to their terms and paid them faithfully every month. I graduated the program XX/XX/2021, and they had the XXXX XXXX XXXX to negotiate an agreement with each lender that I had. My credit should have been repaired and no delinquency reported to the collection centers, or Credit Bureau, but that did not happen. Navy Federal agreed to the terms and is reporting that I have delinquent payments and a bad debt for the two accounts I had with them. I am attaching both settlement letters from the Navy Federal Credit department and the graduating letter from XXXX XXXX XXXX. Navy Federal is also still showing that I have a balance due for the paid off credit card account. Please help. Sincerely, XXXX XXXX XXXX The letter from XXXX XXXX XXXX CONGRATS YOU XXXX XXXX To : XXXX Tue, XX/XX/2021 at XXXX XXXX Congratulations, This letter is to inform you that you have successfully completed your program. We are excited and proud of your accomplishments and all the hard work you have put into building your future. We would like to remind you of the ongoing programs available to you and your family on your road to financial freedom. - The XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX provides members with access to a nationwide network of over XXXX plan attorneys who provide free and discounted legal services to you and your family. As a member, you are entitled to a referral with an attorney to handle your legal needs when the unexpected happens. - As well as, XXXX XXXX XXXX XXXX XXXX. With every credit report you, receive a consumer-friendly yet detailed analysis that breaks down your credit and identifies the top positive and negative factors affecting your credit. Additionally, XXXX XXXX gives you a detailed credit-boosting plan to maximize your credit. Make informed spending decisions based on objective, factual credit information. XXXX XXXX reveals conflicting information from Credit Bureaus to rectify situation immediately. In conclusion, if you have accumulated any other unsecured debt please let us know. So that we can assist you stay debt free and able to partake in the great interest rates available to you. If you have any further questions, please contact ( XXXX ) XXXX. As always, it is a pleasure to earn your business. Best Regards, XXXX XXXX XXXX XXXX Ph : XXXX Fax : XXXX Fair Debt Collection Practices Act and Federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX or after XXXX. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. Confidentiality Notice : This electronic mail transmission may contain confidential or privileged information. This electronic mail message is transmitted exclusively for the intended recipient. It is not intended for transmission to, or receipt or use by, any unintended or unauthorized persons. Any review, use, printing, copying, retention, disclosure or distribution not expressly authorized is strictly prohibited and may violate applicable laws If you have received this message in error, please ( 1 ) do not read it or any attachment, ( 2 ) immediately reply to the sender that you received the message in error, and ( 3 ) erase or destroy the message and any copies that may exist. XXXX XXXX XXXXXXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: To whom it may concern, On XXXX I visited Full Moon Restaurant in XXXX XXXX XXXX CA with spouse and spent a total of {$87.00}. {$71.00} food total ( receipt attached ) and a {$15.00} tip. A couple days later, I follow up on my credit card account and notice that an unauthorized purchase of {$140.00} from Full Moon along with my original purchase of {$87.00} ( {$71.00} food+ {$15.00} tip ). I called Navy Federal Credit Union and informed them of the situation of the unauthorized transaction of {$140.00} on XX/XX/XXXX. They informed me that they will be cancelling my, will be sending me a new credit card and refunding me the amount of {$140.00} for the unauthorized transaction. On XX/XX/XXXX, I check online and see that the credit of {$140.00} is posted in my account. Then on my XXXX statement ( XX/XX/XXXX ) I see an account adjustment for {$140.00}. I called XXXX XXXX to see what the issue was as I had previously thought the unauthorized charge was resolved. They informed me that the credit was reversed and that I would have to submit a dispute to resolve the matter. At this point I was confused what the issue was, so I ask the XXXX XXXX employee on the process since I was unfamiliar with disputing charges. The associate guided me through the process, and I submitted the request with the original receipt that they asked for. Around XXXX time, I receive a letter from XXXX XXXX regarding my dispute asking for additional documents, so I called them for clarification, and they stated that no action was needed and that they were still reviewing my dispute. Yesterday XX/XX/XXXX, I receive another letter from XXXX XXXX that my dispute was denied and to call them for any questions. My complaint is with Navy Federal Credit Union. I dont understand how they can not have handle an unauthorized charge. I called them immediately when I noticed the discrepancy and they assured me that it would be handled. They initially credited my account of the unauthorized charge and then take it back and ask me to file a dispute. I understand that they may need additional information which I provided but they are denying my dispute even though I provided them a receipt. I have attached the original receipt of food bill from Full Moon ( {$71.00} ), my XXXX credit card statement and screenshots of a XXXX conversation that my spouse was having with XXXX XXXX. They had informed her that they had a glitch that night of XX/XX/XXXX and that another person tab was charged on my card. I believe this to be the unauthorized charge of {$140.00}. Thank you for your attention on this matter
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: These accounts are not mine. Please provide proof that these were opened by me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95125
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Today I am writing about Navy Federal credit Union for veterans I was denied a mortgage I was denied a credit card called flagship and I was denied an extension of credit I have been a member since 2004 and my credit score is now report XXXX XXXX XXXX with all the three major credit bureaus this bank has something against me and refuses to work with me in any capacity I need help they have been denying me for everything that Ive asked please help. its either because Im XXXX or they have some type of rife with minorities since they are not trying to work with me in shape or form. I want to escalate this matter Immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: To : XXXX My tax preparer told me things are off because of an NFCU banking error. On XX/XX/2021 a {$1500.00} transfer from an account ending XXXX was made to an account ending XXXX. The transfer was made in error. Account XXXX immediately transferred the {$1500.00} back to account XXXX - same day. Account XXXX shows the transfer was made, however ; the {$1500.00} was never posted back to account XXXX. Account XXXX had a balance of {$3600.00} prior to the transfer. After the transfer occurred, the balance went down to {$2100.00} however account XXXX reversed the transfer so the balance in XXXX should have gone back to {$3600.00}. However, it stayed at {$2100.00}. NCFU refuses to correct the error and {$1500.00} is missing from account XXXX. This is not the first time that I had to file a CFPB complaint, in the past, NFCU tried to hinder my tax filing by refusing to correct a 1099 form. Pursuant to the Dodd-Frank Act, CFPB has the authority to take action against institutions or individuals continuously engaging in unfair, deceptive acts and practices which violate federal consumer financial laws.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022, I consumer XXXX XXXX sent NAVY FEDERAL a debt validation letter, impeding on my ability to exercise my rights to validate this debt. This letter was sent via certified mail with the tracking number : XXXX. I previously asked for an audit trail of this account in which NAVY FEDERAL failed to comply. NAVY FEDERAL sent me a written correspondence instead, stating the debt was valid. Only a consumer can validate a debt and NAVY FEDERAL is preventing me from the ability to validate the allege debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have multiple hard inquiry from Navy FCU that I am not aware of. The dates are XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: A couple of days ago I applied for a auto loan with navy federal Which I found very surprising since I have paid off several things for my credit report even a {$48000.00} vehicle that was currently on my credit report Navy Federal has been really treating me unfair when it comes to any time when I apply for any form of a credit line increase or a loan feel like something is personal Because the explanation I was given on the reason why I was in that didnt make any sense I asked Navy Federal to do a manual credit pull because like I said my credit score has changed dramatically and I still was denied for a credit line increase to which I have had my accounts with Navy Federal and excellent standings for over a year and a half And I want to continue doing business with Navy Federal but they are making me feel totally uncomfortable with expanding my business with them and also doing any form of transaction as far as loans credit cards etc.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I the natural person am writing this complaint on behalf of myself and no other. Congress makes the following findings that an elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. I recently applied for an increase on my navy federal cashrewards visa account and was denied. Navy federal then furnished an adverse action letter stating on the front that I have reached navy federal 's maximum unsecured credit limit. Which is false because my sister has $ XXXX limit. Adverse means ill will, opposed to, contrary interest. I the consumer have an unlimited open end credit plan. I know the truth when I enter into a credit app. Navy federal is acting adverse to administer myself credit to make them a creditor and extend myself my own credit. Navy Federal is acting with an ill will they are being hostile, deceitful, and fraudulent towards me. When I first applied for the card they pulled from XXXX. Why did they switch up? Why not ask me who I rather them pull from? They then went on to say that the credit reporting agency played no part in their decision. When I turn the adverse action letter over it than states my credit score and key factors that adversely affected my score all from XXXX. The reasons they have listed are serious delinquency, length of time accounts been established, too many accounts with balances, and lack of recent bank revolving information. to the illegally furnished information that XXXX is reporting without my consent I was denied. Navy federal denied me because of nonpublic information that they purchased from XXXX whom humiliated me and got denied. Where did XXXX get this information from they need to tell me who are the neighbors and family members they interview to get this information. Pursuant to 15 USC 1681d ( d ) ( 3 ) CERTAIN PUBLIC INFORMATION IS PROHIBITED. Pursuant to 15 USC 1681d ( d ) ( 4 ) consumer reporting agencies shall not prepare or furnish certain adverse information. No where in the FCRA does it state that you need a credit score to get an increase. Navy Federal and XXXX is now civilly liable for negligent noncompliance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A