Date Received: 2021-12-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My loan got sent back for underwriting and they found a judgement on my record which I paid 10 years ago off, I got the settlement statement. My loan officer said that that was the one thing holding me back from closing everything else is good. Then I get information that I need an explanation of credit stating their are some thing on their that need to be explained. I was under the impression that if they checked my credit twice why now in the final hour is underwriting having problems. I have sent doc. Several times only to have underwriting say oh we need something else or can you explain this it's like they wasting my time and now I am not sure if I will close after months of checking everything and them saying everything looks good and now it doesn't.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53222
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with XXXX XXXX XXXX for many years. During our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I had a XXXX years ago, I was in a financial dilemma due to a gun incident I lost my XXXX XXXX XXXX son. As a result, 7 of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those 7 late marks on my credit reports are causing me tremendous XXXX I am trying to move up to a better-paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I'm writing this complaint in regard to an adverse action letter I received concerning a consumer credit application I submitted to NAVY FEDERAL CREDIT UNION on XXXX2021, Pursuant to the FCRA, as a consumer, accuracy is defined as the measure of value ; value is something only a natural person or human being can measure. Fair to me means no one is taking unjust advantage of another. Congress talks about accuracy and fairness, they're asking me as a consumer to decide whether my consumer report is valuable to me ; and whether I feel like I am receiving a just advantage or no one is taking unjust advantage against me. I have reasons to convict NAVY FEDERAL CREDIT UNION of 2 counts of taking unjust advantage against me on XXXX2021 and XXXX/2021. according to 15 USC 1681m the adverse action section in the Fair Credit Reporting Act is that it never mentions a denial of credit. It only mentions being denied for insurance or employment. Why does it not ever mention being denied for credit? The answer is in Truth In Lending Act ( TILA ). I am aware that there was a finance charge involved in the transaction which is the sum of all charges. I can not be denied credit because I know that I have an open-end credit plan, which I administered and extend/originate myself credit to make them a creditor/debtor to extend me my own credit. I am the consumer and only a natural person grant such rights. This is why adverse action does not mention being denied for credit because Congress knows the truth, financial institutions don't loan money because there hasn't been any in circulation since XXXX and also pursuant to 12 USC 83, banks are prohibited by law to make loans or discounts on the security of the shares of its own capital stock. So what is navy federal denying me for exactly? are they admitting to violating their corporate charter by loaning me money? Where is the credit coming from exactly? Can they provide me and the CFPB with documentary evidence on where the money being lent is coming from? According to 15 USC 1681m ( C ) ( ii ) ( I ) Information referred to in subparagraph ( A ) - does not include- information solely as transactions or experiences between the consumer and the person furnishing the information. They are found to be in violation labeled Exhibit A & B. This is not a request, I am granted the right to credit under my open-end credit plan which I am administering. Pursuant to 15 USC 1681m The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any INSURANCE, existing or applied for, in connection with the underwriting of INSURANCE ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. The law did not mention any denials of credit but does mentions denial of insurance or employment. The application I submitted to NFCU was a consumer credit application. Pursuant to 15 USC 1602 ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Does this not mean that I granted the right to NAVY FEDERAL CREDIT UNION as the debtor in this transaction to incur debt and defer its payments? so why am I being denied for CREDIT that I am granting? I did not apply for insurance or employment with NFCU. Every consumer credit transaction includes a finance charge. a finance charge is defined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit pursuant to 15 USC 1602 ( j ) - The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance .I 'm granting the right as the original creditor to open, my open-end consumer credit plan. copies of the federal laws will be uploaded labeled exhibit c, d and e.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am a natural person and a federally protected consumer. NAVY FEDERAL CREDIT UNION is a financial institution holding the account ending in XXXX that belongs to me, the consumer. On XX/XX/2021 I certified mailed with a green receipt a remittance coupon, a negotiable instrument as defined by UCC 3-104, to NAVY FEDERAL . Before sending the negotiable instrument, in an attempt to gain clarity I asked a representative in the secured portal how NAVY FEDERAL CREDIT UNION wanted me to indorse the remittance coupon. I was told to indorse it to NAVY FEDERAL and that is what I did. The negotiable instrument was received on XX/XX/2021 and signed for by an agent on behalf of NAVY FEDERAL. NAVY FEDERAL accepted my negotiable instrument for the value of {$22000.00} as the instrument was not returned. Pursuant to UCC 3-603, NAVY FEDERAL is a person entitled to enforce the instrument, therefore, even if they refused it the alleged debt is discharged upon receipt. On XX/XX/2021, NAVY FEDERAL without my consent processed an electronic fund transfer of {$450.00} from my personal savings account to the credit card account. This is a violation and breach of their own card agreement as my negotiable instrument paid NAVY FEDERAL in full therefore, NAVY FEDERAL had no right to go into my personal savings account and process an electronic transfer of my funds. This is an unauthorized electronic fund transfer and blatant wire fraud as I did not consent to having my funds electronically transferred from my personal savings account to the credit card account ending in:XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX I messaged my bank requesting that Navy Federal Credit Union place a bankers notation in my account file saying " ALL FUNDS BEING DEPOSITED, TRANSFERRED WITHIN, OR TRANSFERRED OUT OF MY ACCOUNT IS TO BE " DENOMINATED AS LAWFUL MONEY '' PURSANT TO 12 U.S.C 411 '' after talking through message I was denied that right. On XXXX I called XXXX and talked with XXXX Services and XXXX to get the statement placed on the account. After being denied. I asked why and where legally do they have the right to deny my request. I wasn't given a legal explanation as to why my request was denied. There is a difference between lawful money vs. XXXX XXXX in which most bankers are incompetent and void of overstating of the law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Call Navy Federal Credit Union on XX/XX/21, ask questions about cashier check and was told the funds would be made available same. I went to cash the check on XX/XX/21 was told there a 24 hour hold. Call there XXXX number again was told there was no record of my call on XX/XX/21, explain what happen and was in need of my money do to the death of my mother, was it will be there in 24hrs. Asked for a supervisor who would not listed ask to file a complaint was told he would. Call back on XX/XX/21 because cashier check was still not in my account after 24 hours. Was told now it not processed until after midnight to 6am, by a supervisor who was told your customers service told me other wise. Navy Federal keeps living to people over our money and fails to do the right thing. 24 hour hold has turn into a 48hrs with them making excuses on my money. I had to miss my mother funeral services because of them., and they don't care.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96818
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. Navy Federal Credit Union & BAXXXX. {$4300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. XXXXBlock. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28150
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I began to notice more recently that my deposits were being held as pending - while transactions ( that had already been posted to the account ), eat away at the new deposit before funds become available. Navy Federal Credit Union then takes the money a second time claiming they put the deposit in first but that is not the case. A branch deposit was made on XX/XX/XXXX for {$1500.00} and did not become available until XX/XX/XXXX. I had {$3600.00} as of XX/XX/XXXX All transactions posted on XX/XX/XXXX were made and completed before XX/XX/XXXX, For example : XXXX payment ( instant payment ) of {$260.00} was made on XX/XX/XXXX but, per my banking statement it shows that transaction was posted on XX/XX/XXXX ( Same day the {$1500.00} was made " available '' ) Next example : I received {$260.00} on XX/XX/XXXX from my reimbursement for internet with my job. On XX/XX/XXXX I sent a XXXX payment for {$260.00} to my brother in law to pay the internet bill. This is supposed to be an instant transaction but when I looked at my statement it was deducted on XX/XX/XXXX. My Account is stating available balance is {$1100.00} Current Balance states {$1500.00} There are many discrepancies, my husband and I have noticed with our account and we would like there to be some sort of rectification. The Navy Federal Representative did not provide detailed explanation. This seems to be fraudulent activity by the company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: NAVY FEDERAL XXXX NOBODY RESPONDED TO MY PREVIOUS CFPB COMPLAINT OR MY XXXX COMPLAINT TO EXPLAIN WHY THEY SUDDENLY MADE MY XXXX CREDIT CARD IMPOSSIBLE TO USE FOR MY MONTHLY CELL PHONE BILL DESPITE THE FACT THAT I'D BEEN USING IT FOR XXXX YEARS WITH NO PROBLEM, I PAY MY BILL ON TIME AND IN FULL EVERY MONTH AND I'M NO WHERE NEAR MY CREDIT LIMIT!!!! THIS IS COMPLETELY UNACCEPTABLE AND I'M STILL WAITING TO BE CONTACTED BY SOMEONE WITH A NAME TO APOLOGIZE AND PROVIDE AN EXPLANATION FOR WHY NAVY FEDERAL FINDS IT NECESSARY TO REPEATEDLY FIND NEW WAYS TO XXXX ME OVER EVEN WHEN I'VE DONE NOTHING WRONG!!!!! IF NO ONE WITH AN ACTUAL NAME WILL CONTACT ME AND RESOLVE MY COMPLAINT AS I'VE REPEATEDLY REQUESTED, I WILL TAKE LEGAL ACTION IMMEDIATELY!!!! NAVY FEDERAL HAS ABSOLUTELY NO RIGHT TO DENY ME THE USE OF MY CREDIT CARD FOR A VALID TRANSACTION WITH NO EXPLANATION WHEN I'VE DONE ABSOLUTELY NOTHING WRONG!!!! THIS REQUEST SHOULD NOT REQUIRE NAVE FEDERAL TO TAKE MORE THAN THE 15 DAYS TO SATISFACTORILY RESPOND SINCE THEY'VE ALREADY HAD OVER A MONTH!!!! NAVY FEDERAL SUCKS!!!! CUSTOMER SERVICE SUCKS!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of identity theft. Someone obtained my personal information and tried to open multiple credit card accounts in my name. I was alerted by two banks that wanted me to confirm my application. I have called and told them that I never applied for those cards. They advised me to check my credit report. This is what happened after : 1. XX/XX/2021 Ran a XXXX credit report and found out that there is an account with Navy Federal Credit Union opened in my name with a balance of {$23000.00}. There were also 4 Hard inquiries from banks that I never applied for credit. There was also an address added to my profile that did not belong to me. The address was reported by Navy Federal Credit Union. The address was : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX NY XXXX. XXXX. XX/XX/2021 Contacted Navy Federal Credit Union and reported fraudulent account. Received an email confirmation with incident number : XXXX ( Attached ) XXXX. XX/XX/2021 Went to file the police report in XXXX XXXX. XXXX. They asked me for some document from the bank showing the account and balance. I only had the credit bureau report. Called the bank for that information they refused to provide it and said that the police would have to subpoena it. I went back to XXXX precinct and explained the situation. They contacted XXXX precinct and after long discussion took the report based on the credit bureau report. ( The slip with report number attached. I sent out request to Police XXXX for actual copy of the report but have not received anything yet. ) 4. XX/XX/2021 Contacted XXXX, put a freeze on my credit and opened up a dispute with them for the Navy Federal account confirmation # XXXX ( fraudulent account and 3 fraudulent inquiries ), XXXX ( fraudulent address ), XXXX ( my previous addresses ), XXXX ( fraudulent employment ). XXXX. XX/XX/2021 - Contacted XXXX, put a freeze on my credit and opened up a dispute with them. XXXX. XX/XX/2021 - Contacted XXXX, put a freeze on my credit and opened up a dispute with them. XXXX. XX/XX/2021 Received letter from XXXX that the fraudulent address from dispute XXXX was removed. XXXX. XX/XX/XXXX, XXXX Received letter from XXXX XXXX the former addresses from dispute XXXX have been deleted. XXXX. XX/XX/2021 Received letter from XXXX confirming security freeze fraud alert. XXXX. XX/XX/2021 Received an email from XXXX confirming the dispute XXXX XXXX. XX/XX/2021 Filed FTC report number XXXX. ( Copy attached ) 12. XX/XX/2021 Received email from XXXX to check the investigation results in my dispute center. The result was : We have researched the credit account. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. On XX/XX/2021 received the official letter in the mail. Confirmation : XXXX ( XXXX attached ). XXXX. XX/XX/2021 Received email from XXXX that dispute results are updated. When I looked at the results, nothing was changed. XXXX. XX/XX/2021 Called Navy Federal Again and was told that investigation is not over yet. Spoke to XXXX. Also sent copy of police report ( slip number ), copy of FTC report and dispute letter with demand to provide all documents related to this case. Received confirmation email that the document were received. ( Copy of email attached ). XXXX. XX/XX/2021 Contacted XXXX and reopened a dispute also added police report and FTC report to the file through upload page. Received email that file was successfully uploaded. XXXX. XX/XX/2021 Received email that XXXX updated balance to {$25000.00}. XXXX. XX/XX/XXXX Tried to call Navy Federal. After XXXX minutes on hold finally got through the security department. Was told that it still needs to go through credit cards department and that investigation is still not completed. After asking how much longer it will take was disconnected. XXXX. XX/XX/2021 Checked XXXX credit report and the account wasnt there anymore, however it was on XX/XX/2021 report and I never received a confirmation that it was removed. May be it was removed and they just never notified me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A