Date Received: 2021-12-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened my account last week with Navy Federal and was freely able to log in and out with no problems and have securely submitted all my identification documentation and then made a {$2000.00} transfer into the account and then I got some error message to call the branch to be able to access my account. I have called XXXX times total and each time I was on hold for over an hour and unable to get anyone and when I did I provided the pertinent information and was spoken to XXXX XXXX and told to come in to a branch with ID before I can be provided a solution. XXXX NOT trying to withdraw money Im just trying to manage my account like any other rightful citizen. I havent banked with Navy Federal long but any time I have called Ive gotten bad customer service
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19468
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 799XX
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Pursuant to 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I, XXXX XXXX XXXX, the consumer is aware that credit was extended using affiant 's credit card as defined in 15 USC 1602 ( l ) I, the consumer has ceased communication with Navy Federal Credit Union and through ANY medium.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a secured credit card with the same credit union I have my personal checking and savings account. I paid the {$800.00} deposit when I opened the card and unbeknownst to me, the funds were being held in a non-visible area of my savings account. My checking account was compromised back in XXXX XXXX and the credit union opened new accounts for me. I was notified today that the {$800.00} security deposit was " mistakenly '' released into my savings account. Back in XXXX when I noticed the {$800.00} in my account, I contacted customer service XXXX times to confirm it was mine. Each time, I was told those were my funds. I just assumed I had an over-sight error on my end.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. . Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. . Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. . Identity Theft NAVY FCU Account Number : XXXX This is not mine. . Identity Theft XXXX XXXX Account Number : XXXX This is not mine. . Identity Theft NAVY FCU Account Number : XXXX This is not mine. . Identity Theft NAVY FCU Account Number : XXXX This is not mine. . Identity Theft XXXX XXXX Account Number : XXXX This is not mine. Identity Theft NAVY FCU Account Number : XXXX This is not mine. Identity Theft NAVY FCU Account Number : XXXX This is not mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Dear Sir or Madam, 1. NAVY FCU Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with NAVY FCU and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I submitted a mortgage application in early XX/XX/2021 to several lenders to compare rates, each lender quickly provided me with a pre-approval letter for the full listing price of the home I was interested in. Please note : I have excellent credit ( XXXX ), sufficient and stable income, low credit utilization, and good income/debt ratios. After comparing loan estimates, I chose Navy Federal Credit Union ( NFCU ) who provided me with a very competitive interest rate, and closing costs. Shortly after obtaining the pre-approval letter from NFCU, the sellers accepted my offer, and I began the closing process. Roughly 3 weeks into the process, I received a call from NFCU informing me my loan application had been denied. Their underwriter cited " poor credit performance with us '' as the reason. When I inquired about the account, they explained it was a credit card I defaulted on over 20 years ago ( at the time I was out to sea for 6 months ). The credit line limit was $ 1.4k, and it ended up going into collections, from there I paid on the debt, until it was satisfied and the account resolved. I asked the loan officer why something over 20 years old, and not on any of my current credit reports, would be used to deny my loan, and why did it take so long for them to make a decision of denial, when I provided all requested documents online within 24 hours. Since I had a specific amount of time to secure the financing, and provide the seller with proof, this also put me at risk of having the contract cancelled by the seller.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Navy Federal Credit Union employer XXXX XXXX has threatened me by telling me to leave the branch. All I did was exercise my consumer rights when I went to dispute the issue in person on XX/XX/XXXX. I entered a local branch with supporting documents to show Navy Federal Credit Union is reporting inaccurate information on my consumer reports by using different Navy Federal Credit Union addresses and using different account numbers on my credit reports and has not provided a copy of alleged agreement. XXXX XXXX XXXX XXXX purchased this debt on XX/XX/XXXX and has also failed to provide a copy of agreement. Accordance to Bureau of Consumer Financial Protection page it states. " Under federal law, your credit card issuer is required to provide a copy of your agreement upon request ''. I have no valid contract from Navy Federal Credit Union. I have made multiple attempts requesting this contract since XX/XX/XXXX. As of now, I have not received any valid contract from Navy Federal Credit Union. They have failed to comply by continuing to report this information on my credit reports. XXXX XXXX reported me to XXXX XXXX XXXX making false claims that I came into the branch practicing acts of bad conduct. I am XXXX XXXX and he is allegedly XXXX or XXXX. He used the acts of misleading the Police to reverse the fact his client and himself has been negligent about this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2021-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A