Date Received: 2021-12-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/21 I received a letter for the reason for denial of my credit card application from Navy Federal Credit Union. Per the letter, I was denied due to High interest Rate loan Application, Insufficient tax assessed property value, too small property acreage and too many Fha mortgages. I would like for them to explain first why is my mortgage and home values and size is being looked at for a consumer credit card. Secondly I would like for them to provide where did they get value of my house and lot size from as this info is not on my credit report. Lastly I feel this organization are practicing discriminatory credit decision making as as previously I was denied due to not making deposits into my account with their bank. I only have one mortgage so I'm not understanding how I have too many.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
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 was on vacation in XXXX. I purchased XXXX rings, earrings, and a bottle. In XXXX weeks the stone fell out XXXX of the rings. I called the company to explain and they offered to repair but never responded to my messages about where to send it. So I filed a claim with my bank. The bank declined and stated that because I here was a no refund policy then there is nothing they can do.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
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: On XX/XX/XXXX I opened a complaint with CFPB about Navy Federal Credit Union. I had a Visa Signature Cash Rewards credit card with Navy Federal Credit Union Account XXXX ending XXXX. This account was closed by the bank due to none payment/nonactivity. NFCU has committed fraud. As of the date of the first complaint # XXXX, NFCU completed XXXX Unauthorized electronic fund transfer, as described in XXXX CFR XXXX ( m ), in the amount of {$2200.00}. I sent NFCU a letter revoking any POA that they have had on all of my accounts and they received it on XX/XX/XXXX, I have attached the letter to this complaint. On XX/XX/XXXX another complaint was opened on my behalf by the XXXX XXXX XXXX XXXX, XXXX Assistance XXXX, it stated everything that I put in my original complaint that was filed XX/XX/XXXX. On XX/XX/XXXX NFCU did another Unauthorized electronic fund transfer in the amount of {$800.00}. These actions are a clear violation of Special credit card provisions, as described XXXX XXXX XXXX XXXX credit card provisions. ( d ) Offsets by card issuer prohibited ( XXXX ) General rule. A card issuer XXXX not take any action, wither before or after termination of credit card privileges, to offset a cardholders indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer., which is fraud. When I spoke to someone on XX/XX/XXXX, I was told that that I had been refusing to pay the balance, which is not true. I spoke with XXXX different XXXX letting them know what the situation was and that I was waiting to get a response from NFCU, once my complaint was completed, we could discuss the alleged debt. The times that I spoke to someone were supposed to be on a recorded line and I have been trying to get a copy of the recordings to prove that I was not stating I would not take care of this alleged debt. They have lied and committed fraud more that XXXX times in my accounts alone. I am sure that this has happened to other people and this is not right. They have also committed fraud as described in XXXX XXXX XXXX XXXX ( b ) ; XXXX XXXX XXXX ; XXXX XXXX Code XXXX and several others that I have not mentioned. The original claim was opened almost XXXX weeks and 2 days ago and I have not received any response/resolution for this matter. This is the last complaint that will be filed before I start litigation. I have attached all of my supporting evidence.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent in XXXX Credit Bureaus. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : NAVY FEDERAL CR UNION XXXX Balance : {$20000.00} ; NAVY FCU XXXX XXXX : {$19000.00} ; NAVY FCU XXXX XXXX : {$12000.00} ;
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have tried to be a responsible consumer when it comes to Navy Federal Credit Union. I started with this CU back in XXXX. In XXXX a couple of things happen we lost income in my household due to my husband losing his job and me being diagnosed with XXXX XXXX. At the time I had a checking, savings, XXXX credit cards and a car loan with Navy Federal. My husband took his unemployment checks and paid the {$520.00} car note and I defaulted with the credit card payments by a couple of months. You'll think that they'll consider a life threatening illness as away to give options to assist me, but instead I got hit with 60 days past due on 1 card and 90 days past due on another card. I called and they deferred the interest rate on the cards to assist me, mind you I requested that the 60 and 90 days late be reconsidered since I've been a good client with them never late on the car payment and because I was battling XXXX. The rep stated that we report what's right and unfortunately we can't remove the late payment. What a bunch of BS my background is banking and I worked at XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX and they took care of their clients. Anywho after that got back on track never had a late or missed payment since then and it's going on 4 years. They talk about reporting accurate things. I will upload my credit report where it shows that it's reporting different late payments to different bureaus, in which according to the FCRA is in violation and this accounts should be removed immediately. Well it brings me to my complaint today. I called Navy Federal today again trying to be a responsible consumer to let them now I'll be unemployed on XX/XX/XXXX due to XXXX and the business shutting down. I spoke to XXXX in the settlement department and she told me in order for Navy Federal to offer me a settlement on my XXXX credit cards that I must be delinquent. I explained to her that the cards are closed, however when you go on their site it's telling me I have an available balance to use. Mind you I called on Friday XX/XX/XXXX and spoke to another rep that stated that she don't know why it says that, because it's " wrong '' and that the settlement department would be able to assist me but since it was XXXX XXXX that it was closed. XXXX went on to tell me depending on how delinquent the account are that's how they go about how much they'll settle for. In which I ask for literature with that info but I guess that went right over her head. To add salt to injury if my minimum payment is {$88.00}, {$64.00} is interest, in which means only {$23.00} is going towards the principal with a balance of XXXX. This would never be paid off. Last but not least the last payment that they're reporting is XX/XX/XXXX on my credit reports for one of the cards.These credit reports were from XXXX XXXX and XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I am distressed that you have included the below information on my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the FRCA, unauthorized inquiries should be removed immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 392XX
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Early XX/XX/2021 I was informed that my checking accounts was restricted and closed and I would no longer be able to access the accounts. Due to a scam for a job that gave me a fake bonus check that was a scam. After much devastating news and all my money being gone. there were still XXXX transactions being drafted from the account and XXXX overdraft protection being used. I received a letter in XX/XX/2021 confirming the closure of the accounts due to the overdrafts that caused charge off. Navy federal restricted my access and this also caused me not to be able to pay my credit cards either.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2021, I received a letter appearing to be from Navy Federal Credit Union. The letter appears to be a response to an account with them. As I have never opened an account with said company, I contacted them. On XX/XX/2021, Navy Federal Credit Union reported this account to my credit report. On XX/XX/2021, Navy Federal Credit Union reported this account as valid. On XX/XX/2021, NFCU not only reported this as valid, they reported it as delinquent and that I owed {$12.00}. This report caused financial and emotional distress as my XXXX and credit report reported a negative thus, dropping my score drastically. XXXX XXXX XXXX XXXX has not been successful in solving this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10708
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-24
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Navy Federal Credit Union ( NFCU ) has refused to report my mortgage payments to the 3 credit bureaus despite 2 phone calls to the loan Dept at NFCU and 3 disputes with the credit bureau. NFCU falsely reports that my mortgage loan was included in my XXXX bankruptcy ( XX/XX/XXXX ), but the loan was EXEMPT in my bankruptcy. They also report a XXXX balance on the loan and no payments being made, In addition, my credit report states the the account is CLOSED. I have made monthly payments on this loan every month since the account was opened in XXXX. The only explanation NFCU has given me is that I failed to enter into a reaffirmation agreement at the proper time. I explained I was unaware of the time limit, had no knowledge that this was necessary since I continued to make payments, and exempted this loan from my bankruptcy, XXXX XXXX (? ) was very rude in explaining that I should have had an attorney explain it to me. I filed bankruptcy in XXXX because I was in debt. A large part of that debt was to NFCU for a credit card. I was on a payment plan during XXXX, and allowed to make reduced payments. When the reduced payment plan ended, I requested that I be allowed to continue making reduced payments. They denied my request and my payments went back to the full amount. I fell behind on payments, once again, and made the difficult and embarrassing decision to file bankruptcy. One representative ( female ) told me that my mortgage payments were not being reported because of my credit card debt. I believe that is true. Since my bankruptcy, I have managed to raise my credit score to XXXX. I need my credit reports to accurately reflect my monthly mortgage payments so I can take advantage of lower interest rates. I recently purchased a vehicle and am paying a high interest rate. I was told if I had a history of mortgage payments, my rate would be lower. By refusing to report the payments I make every month, I am not able to refinance my home, or my vehicle. And my credit score will not get above where it is now. Your help in this matter is greatly appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2021-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I provided Navy Federal Credit Union with my orders as well as other information were I had no access of making these purchases with my credit card. $ 17,000+ in consistent Instacoins were made where no security measures were made. Ive tried reaching out to them, given so much evidence and no response to the matter. It is very inconvenient, and that is an understatement. I have consulted with my lawyer in the next steps but the now is the problem. Im continuing to make the payments on time but I would hate to make {$17000.00} in payments for purchases I had no part of. I can say I will not be getting another card from Navy Federal for sure. This has been an ongoing issue since XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A