Date Received: 2021-12-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2021 I mobile deposited a large check in my account indorsed to my sister they flagged my account and froze it untill my security appeal was approved .after the approval I was told to drive back down with my sister and our IDs we done that my sister was recently divorced so her named was back to her maiden name on her I'd well they requested divorce decree for her so we went got that the. At XXXX XXXX after honestly being there all day was told they needed more proof that was three months ago I've done security appeals everything being approved as they ask of me to get the funds released to myself and sister LITTERALLY have to drive 3 hours away to a branch sit their all day with the documents they required to be told at approximately XXXX XXXX closing time that the documents they requested were not actually good enough now that I finally got them this has happened twice I've followed and complied completely with them to be treated like complete garbage when I got their my self and sister were both rudely spoken to as well as pushed back in line several times very very bad customers service when ask to have a supervisor we were told there was not one there this is ridiculous
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: BEWARE! Navy Federal is attempting to pull off some VERY QUESTIONABLE and and UNETHICAL lending practices. I am completely frustrated with the method that NFCU has resorted to in regards to our home refinance.We began our home refinance with NFCU nearly 90 days ago and have expeditiously done everything required of us.We were offered a loan at 3.75 % interest with 85 % XXXX and XXXX points This was offered pending only the appraisal.The appraisal came back quite a bit higher ( unbeknownst to me at that time ) than was expected and with that news NFCU miraculously, that very same day, sent over updated terms that increased our interest to 4.25 % and decreased to 80 % our XXXX with points. They then would not release the appraisal value to view ( they held it in processing ) .Upon pushing back on this error/mistake/injustice I was apologized to and told it would be handled.I have been stonewalled and now just yesterday my appraisal was released for me to see and my original offer of 3.75 % /85 % XXXX is set to expire on XXXX XXXXI finally spoke to the underwriter yesterday. She requested updated paystubs and homeowners information. I sent it immediately, and she gave us new calculations, 3.25 % interest rate, 80 % XXXX with XXXX points. I told her that this was unacceptable, and furthermore because of the higher appraisal I would like more cash out. I have not heard back from her. I am deeply angered/frustrated that it seems that NFCU decided to renege on their original offer to me in an effort to capitalize on a higher than expected appraisal value and then they attempted to hide this fact from me until it was too late for them to fix.I do not deserve to be treated like this!! It is only fair that my original offer should be extended enough time to be able to process the paperwork and allow me to sign at 3.75 % with 85 %, XXXX points. I have already paid over {$500.00} for the appraisal, and allowed them to pull my credit, so I am very reluctant to go to another company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX, I was at the Navy Federal Credit union and the teller was extremely rude and even tossed my receipt at me. I was making a deposit for my mother at the time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Navy federal credit Union logged on my account on XX/XX/XXXX and transferred {$1000.00} Dallors to a credit card that I gave them XXXX Dallors to start already. They wont let me file a claim I did not authorize this i did not give them permission to log on my account from a XXXX web browser.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90037
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Today I received email and text message for a credit card from Navy Federal Credit Union demanding payment for amounts already satisfactory satisfied. After noticing of the Billing error Navy Federal continues to collect the amounts in question. They have only ignored my request for more documentation as outlined by law. I feel that they are attempting to role over me and continue to hurt my credit worthiness. I regret ever doing business with this organization. To this date I have received no evidence that the amounts they are demanding have not already been satisfied. Without the accounting for the amount claimed. Every credit and debit on this account is in question due to the lack of compliance regarding the initial billing error of {$2000.00}. All documentation as outline in internal revenue manual is warranted to ensure no other amounts, credits, debits, or credit insurance has been negligently look over. Please submit the evidence you have regarding this accounting. Please refrain from any adverse action on this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently sent Navy Federal Credit Union a certified notice letting them know that all my consumer reports are reporting a late payment for {$21.00} XX/XX/XXXX, and this is a violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ME ( XXXX XXXX XXXX and the person ( NAVY FEDERAL CREDIT UNION XXXX making the report is not INCLUDED on my Consumer report! A Late payment is a transactional history between me and Navy Fed and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. I gave them 10 calendar days to delete the late payment and update my consumer report for XX/XX/XXXX as paid and positive. Based on the certified tracking Navy fed received my letter regarding this matter on XX/XX/XXXX. It is now XX/XX/XXXX and Navy Fed has not complied with the law found at 15 usc 1681a2 ( A ) ( i ) I have attached the Certified Return card, receipt when i mailed it out, the letter that was sent to the CEO XXXX XXXX of Navy Fed, and my Drivers license
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 18974
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was not given the opportunity to opt out of my personal information being shared with the credit bureaus. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) states that data furnishers reflects the terms and liability for the account or other relationship : reflects the consumers performance and other conduct with respect to the account or other relationship : and identifies the appropriate consumer. Based on the findings in my consumer report NAVY FEDRAL has been reporting inaccurately since XX/XX/2021. NAVY FEDRAL is reporting different payment dates and account opening dates to each credit bureau. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have had this card for 4 years and last few years Ive had personal stuff going on that resulted in a injury and time off work. I contacted NFCu both times letting them know my circumstances even after I told them I kept trying to make my payments. I even had it to where I was only XXXX over the limit. Right when I paid my payment the interest hit again resulting in my payment making no impact. Which it has done continuously. They then told me they would work w me however the interest still hit resulting in over XXXX a month payments. Which was hard to do given being on workers comp and off work for an injury. They then promised they would lower my payment and keep my card open. However after that was promised they turned around and closed my card saying that my payments were missed in the past and they couldnt keep it open. Yes it was missed but thats why I contacted them to work w them. They lie non stop and promise customers that they would work w them when in general they over draw your acct more by tagging on more interest to the point that you are now over the limit by XXXX. They also asked me to pay XXXX a month on this cc. Not to mention being harassed two to three times a day w phone calls. Its ridiculous. Then you get threatened for being sued, credit reporting and so on. I have tried several times to work things out w NFCU but they are impossible. Even with XXXX hitting and me being on XXXX XXXX for a year they didnt even work w me. I would like help on this. I now owe XXXX on a XXXX cc w them. They guaranteed my card would stay open and lied about it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2021 I have sent navy federal a letter regarding billing errors and cease and desist of collection activity, their response dated XX/XX/2021 included an alleged credit card agreement and disclosure contract that they claimed I agreed. This agreement does not have mutual obligations because this contract has not been signed by me nor Navy Federal, no signed copy was provided just a correspondence with agreements so I can not verify that this is valid and pursuant to 15 usc 1692g sending statements is not valid validation of debt " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' On XX/XX/2021 I have also submitted a FTC report regarding Navy Federal defrauding me. Navy Federal has took {$500.00} from me for a " secured '' credit card, pursuant to 15 usc 1605 this is unlawful because anything that has to do with a finance charge is the sum of all charges. Federal law clearly states " The finance charge does not include charges of a type payable in a comparable cash transaction. '' in this case Navy Federal has demanded a downpayment due to defamation of my character and reputation ( consumer report ). As I spoke to a member on increasing the limit I was told that I had to put another {$500.00} down to increase my limit to {$1000.00}. I have an open ended credit plan pursuant to 15 usc 1602 ( j ), It is a shame that Navy Federal has denied me to exercise my right to grant credit which is discrimination pursuant to 15 usc 1691 ( a ) ( 3 ). Navy Federal committed aggravated identity theft by obtaining a loan in my name when I never applied for one. Navy Federal also withheld Truth In Lending disclosures such as my right to rescind this consumer credit transaction pursuant to 15 usc 1635. Upon receiving Navy Federal correspondence I have notice they wanted me to include any consumer reporting agency dispute, which I do have a dispute open with XXXX and XXXX. I have told the consumer reporting agencies that Navy Federal have not gave me opt out disclosures to exercise my right to opt out of all consumer reports nor received a written consent from me which would give Navy Federal permissible purpose to report. Since opt out disclosures were not given, I have demanded that the account be removed and if it does not be removed Navy Federal and whom ever consumer reporting agency will be civilly liable since I have clearly and conspicuously explained why it shall not be reporting according to federal laws. If Navy Federal alleges I gave them permission to report, they will need to provide this documentary edvidance through CFPB and via mail otherwise this account needs to be remove from my consumer report. Lastly, there is a billing error on my credit card account. Every time I log into my app I see a positive checking account and a positive credit card account, If I truly owed someone a debt it will show negative so what I will need is documentary evidence provided through CFPB portal and sent to my place of abode. I am demanding both public and private side of bookkeeping ledgers to be submitted through CFPB portal and sent via mail.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently received a copy of my ( XXXX, XXXX and XXXX ) consumer report, and I noticed that it is reporting my experience with its company. I advised Navy Federal of the violations that I noticed on my XXXX, XXXX XXXX, XXXX XXXX reports. The certified w/ return receipt tracking numbers of the letter correspondence is # XXXX XXXX XXXX XXXX XXXX The lines of credit I have with Navy Federal, which is characterized as utilization on my consumer reports. THEIR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! Navy Federal Credit Card Visa Signature XXXX XXXX Account # XXXX Navy Federal Credit Card XXXX XXXX XXXX NAVY FEDERAL is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( Navy Federal ) THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( NAVY FEDERAL ) Making the report is not INCLUEDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( NAVY FEDERAL ) that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! THEY HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. I am making this complaint for Navy Federals willful violations and non-compliance. Please assist in helping me get remedy for my consumer rights. Thank you in advance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75181
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A