Date Received: 2021-12-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone opened a Navy Federal Credit Union account that I did not authorize
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
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 ( s ) 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 XXXXXXXX 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 ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) 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 ( 2 ) 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 ( 1 ) 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 ( 5 ), 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. 1. Navy Federal Credit Union & BAL. {$0.00} 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 with 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 ( 2 ) Block of information resulting from identity theft. 1. Block. 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 ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of identity theft reports 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above-listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) 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 po box 4503 Iowa City, Iowa 52244
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have paid XXXX XXXX XXXX to settle a debt from Navy Federal credit union. The last payment was made on XX/XX/21, after several attempts to contact and verification that the settlement has occurred, I have not received a letter stating this and XXXX XXXX has not been notified. I keep getting the same promises to update but nothing has happened and my credit score is affected.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: ack on XX/XX/2021 an acquaintance of mine on instagram started posting stories pertaining to a cryptocurrency company that she has recently joined. Further on her posts she was claiming how this company ; XXXXXXXX, provided her great wealth in just a matter of hours. She was highly advertising it to her followers on instagram how easy it is for them, including me, to be on the same financial path like hers. She was stating that if were interested in joining the platform shes marketing she is tagging a friend- the broker, in her story and we can just directly send her a private message with our inquiry. I'm XXXX years old with a family here in America and in the XXXX that I'm fully supporting. Investing has always been on the back of my mind, it's a matter of how to start it and who to approach prior, so when her story was presented to me i took it as an opportunity to grab. On that same day I sent her friend- the broker, a message of interest. Her XXXX page is named XXXX with a username of XXXX XXXXXXXX. After a while she responded back and thats when we started to exchange messages. She was telling me that she has people from different age groups and financial statuses that shes mentoring about cryptocurrency mining and how they are earning up to {$3000.00} - {$5000.00} daily. She then was asking me first how much Im willing to start to invest and if I'm truly certain in joining she asked me to purchase bitcoin worth my investment via XXXX XXXX and send her a screenshot to get started. I did purchase Bitcoin from a XXXX XXXX worth {$1000.00} on XX/XX/2021 using my XXXX XXXX debit card that was linked in my XXXX XXXX XXXX and after I completed the transaction I sent her a screenshot of it as a proof that I bought it. The broker, XXXX, told me to send it to the platform address of their crypto mining company which is XXXX and If needed I have their wallet address. Prior to that we had some small problems because I was having issues purchasing bitcoins from XXXX XXXX with a large amount of money. She then recommended a few websites to buy bitcoin from- she was sending me links for XXXX and XXXX, but still nothing was working. I was having the same issues - error on purchasing bitcoins. Afterwards I asked her if I could send it through XXXX or XXXX instead, in which she agreed to do all the transactions through XXXX. I used two bank accounts, my XXXX XXXX and Navy Federal account for most of the transactions, but there were two transactions where I bought bitcoin from a Bitcoin XXXX ; this was one of her suggestions with regards to purchasing bitcoins as well. On XX/XX/XXXX, I sent her money through XXXX with an amount of {$3500.00}. She instructed me to have this email XXXX as the recipient. She was stating that this fee is to upgrade my trading account so i can have a bigger profit limit and subsequently an email was sent to me stating that I need to make another payment for conversion rate code because it being required to be issued to verify that there is a legal transaction between me and XXXX trading company, they further stated that this is mandatory for withdrawals via XXXXXXXX XXXX deposits for investors within the united states, as within regulations on trade being monitored by the XXXX and XXXX. I adhered to all their requests and I sent the amount of money that they were asking. I was entrusting them my money, I was asking for reassurance of business and she was telling me all the promises and how my trading account is blooming thanks to their work. She was telling me that I can watch and check how my money is working for me through their website. It was a perfect scheme, I was under the complete impression that everything was legit. It wasnt until later on when it dawned on me. But I further went on trading with them, i am receiving emails from the company on what are the next steps for me and my trading account, on the emails they kept asking me for fees that I need to pay such as, transfer license so I can make withdrawals from my trading account to XXXX XXXX account, payment for conversion rate codes, as well as payment to them for TAX charges for XXXX, and payment for high traffic charge due to high price of bitcoins. After a while with all the payments I was being asked for, my suspicions started to surface. I was messaging them back on how and when I can withdraw my profits, but all the response I received was soon, when I made this additional payment. On XX/XX/XXXX and XXXX I sent the broker another transaction through XXXX using my Navy Federal bank with the amount of {$2200.00} and I was instructed to send it to the same recipient XXXX. She was stating that this is another payment that I need to make so I can withdraw my money from their website. The two other transactions were through a Bitcoin XXXX and I paid that with cash. I got both of the receipts with the wallet address of the fake broker that told me to send the bitcoin to. The first transaction was {$2500.00} on XX/XX/2021 and the second one was on XX/XX/2021 with the amount of {$1500.00}. On XX/XX/2021 still with no definite answer on when can i receive my funds I found out that that friend of mine from XXXX who initially posted the story referring us to the fake broker have her account hacked, I have on my phone the information and proof that her account got hacked by someone else that might be link to the person who is behind the fake brokers account as well. I tried to confront the fake broker but I did not get the response that I needed. I sent them a couple more messages prior to the matter but they stopped responding to me. I already filed a report of fraud to my banks and I also submitted a report to the Federal Trade Commision. I am with high hopes that I'm able to retrieve all of my money, if not just even a percentage of it. I was blinded with the thought of having fast money. But all 's too good to be true, I invested all my savings and basically every penny that I have. I am greatly seeking help on my case. I am an honest citizen of the United States, I am actively serving this country. I work in the military in which we arent highly compensated with money. I hold so many plans for my money which are mostly to help my family, but all of which seems to be impossible. I am struggling so badly and am having a hard time seeing the light in the tunnel that Im in, despite it all I'm still hoping to get through this matter. I am desperately asking for help that someone will get back with me prior and assist me in furthering my case. I am willing to cooperate if any more information is required. Thank you and God bless!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed the inquiry because I noticed it was on my credit report and I did not authorize this inquiry. To dispute this inquiry, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the inquiry was listed, in an envelope sent to the creditor of the inquiry and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the inquiry, and thus the inquiry must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this inquiry on my credit report because the inquiry was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this inquiry from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The information for this inquiry listed on my credit report is : CREDITOR : NAVY FCU, INQUIRY DATE XX/XX/2021
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2021 we received a preapproval for a VA mortgage from Navy Federal Credit Union. We told them upfront that our primary source of income was our XXXX XXXX Yet they did not request our XXXX until XX/XX/2021. XXXX XXXX and XXXX requested our XXXX immediately. Because of Navy 's incompetence, we had given due diligence of {$1000.00} on XX/XX/XXXX, and {$550.00} for the appraisal, all for nothing. This whole process was one long nightmare. Our credit was denied on XX/XX/XXXX due to the income to debt ratio that could have been established in the first days after our preapproval. We wasted over 3 months and lost the chance at finding a home. Additionally, Navy largely ignored us for long periods of time when we requested information, and we were not informed in a timely manner that documents were requested. Our real estate agent said her company doesn't like to deal with Navy Federal Credit Union because of their long delays and ineptitude. We repeatedly tried to get Navy to provide our real estate agent with forwarded messages, but this was rarely done unless we complained enough times. After repeated requests from us to send us the appraisal, because the owners were about to terminate the purchase, Navy did so only after we fired Navy 's financial officer and repeatedly tried to contact their supervisor.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I called to file a fraud claim when I received an email that a Navy Federal member was added to my member accounts. Immediately I reached out to Navy Federal because 1. I do not recognize this name & 2. I have never given anyone access to my personal banking. Upon further investigation Navy Federal employees admitted that the person who unlawfully gained access to my account was suspected to be a part of what they called a " fraud ring ''. I have an XXXX XXXX and they informed me that someone with a XXXX XXXX had been logging into my account for about 2 weeks. This person deposited a fraudulent check into my account & watched for the funds and as soon as it was deposited my entire account was wiped clean. The claim was split into 1 parts. I was awarded 1 claim and not the other. Navy Federal is now harassing me over approximately {$5000.00} which I do not have and will not be able to pay. I have requested this person 's information to file a police report and it was ignored. I have requested to see a copy of the check to include in the police report. I have only been told that the investigator who is looking at the second half of this claim insists that I gave out my personal banking information. I have been with Navy Federal without issue for over 5 years. I am completely disappointed in the lack of customer service I have received especially with this being my primary bank I have had to make so many changes that have affected my daily life. This incident is very traumatizing because with all the in person & virtual theft going on to have to fight with your bank for proof in the middle of a pandemic is to much. I have been dealing with this for about 2 months now and I am drained. No one ever gets back to me or answers my questions and quite frankly I would not be too upset closing all of my accounts after the way this situation was handed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a notice that a savings account had been opened in my name at Navy Federal Credit Union, mailed to an address that I had not lived at for 40 years. I did not open this account or request it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hello, I have received a letter from Navy Federal Credit Union on several dates, stating that I need to verify my information using the XXXX form. I uploaded the form to their organization several times with no feedback regarding updates at this time. It appears I have credit cards with them that I can not access to make payments on at this time. I would like for your organization to reach out to them to get more details on verifying my XXXX XXXX XXXX with the XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am currently in process of a mortgage with Navy Federal Credit Union. I have several concerns including misinformation and dishonesty within the process. Currently, although I am told it was complete, they are refusing to provide me a copy of my appraisal, an appraisal that I paid for over XXXX days ago and am told was completed on Originally our closing was set for XXXX, I had to call and email 3 times on XXXX to advise them that I had not received my CD and that I have enough knowledge to know that we could not close on time had I not received it that day. I was then told that my loan XXXX was out and had been for 4 days, and, oh yeah we'll just move that back. I've asked to speak with a supervisor several time. I have also emailed her directly. She has never returned my calls-she did reach out to my co-applicant, but did not answer my questions. I again reached out to her and she has yet to respond to me in anyway. I formally requested a copy of the appraisal again today. I emailed my request to the mortgage officer, her partner or back-up, and the supervisor only to receive an email from the agent telling me that we could not access the document. I'm told that the appraisal is what is holding my mortgage, but that it is complete, so clearly either someone is intentionally misleading me or there is a serious breakdown in communication and processing of mortgages within this organization. Furthermore, I am being told by the listing agent that no one ever contacted her to walk through the property and it is my belief that the appraisal has not been done and that I am being lied to. Either way, if they do not have this rectified by XX/XX/14 in time for the CD I will lose the house as seller advised he will not extend again. I shared this information with Navy Federal and were basically told that is unfortunate, but not their problem. I have paid a non-refundable {$500.00} option fund, a {$670.00} inspection fee, and {$550.00} for the appraisal. What recourse do I have if I am out those funds due to their inept servicing of my file? I would be happy to provide XXXX numbers as well as copies of emails if needed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NE
Zip: 68701
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A