Date Received: 2021-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX said too any delqieuncy on credit but I did that credit check and there no delinquency. Not only that they block my card so I be forced to call so people hacked me more losing XXXX dollars. I don't have have any delquencey they made .e go to someone else to ask for a loan which put a hard inquiry on it. I want all the knquirys o have with yall in the last 8 months removed. Basically when I walked in another person who hacked my account drove tot he front desk and told them not to let me have anything and they said they applied for .u personally loan at bank but o check it there no inquires so I did it again. The day after they said delinquency I checked my credit report another 3 months after that are no missing payment. Then they lied trying to obtain more information about me so these XXXX XXXX XXXX get my identity info and pass it to there XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have 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. I want an answer immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
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: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello navy federal credit union will not help me any way someone tried to open an account using my name and information
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Financial Institution ( Navy Federal ) has conducted a XXXX Dispute with all transaction associated with XXXX Card ending in XXXX and Cash Rewards ending in XXXX, without notification to customer. Merchants affected by XXXX Dispute has started to reach out to customer, XXXX XXXX demanding payment because transaction has been disputed and funding pulled. Navy Federal is still reporting balances to credit bureau and requires customer to pay off balances from transaction that they have pulled back funding from. Customer is currently trying to work with merchants to pay amount owed due to disputed transactions. Please have Navy Federal Credit stop collection efforts, monthly balance statements and credit reporting on balances that no longer exist. Also, XXXX Report is being requested to acknowledged all transactions that has been disputed by Navy Federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: NFCU put my personal information at risk and I feel I was discriminated against, being a XXXX XXXX small business owner that was in the process of shutting down businesses due to the XXXX incurring business losses that were no longer applicable or should have been used against me to refinance my existing NFCU loans. Applied for refinance loan XX/XX/XXXX with a credit score in the 700s, a debt to income ratio of 31.8 %, {$160000.00} in cash reserves in the bank. Refinancing my two loans with NFCU, a XXXX VA XXXX 3.125 % rate with a loan balance of {$250000.00} and a monthly payment of {$4000.00}. Second loan is the XXXXC XXXX 4.000 % loan balance {$280000.00} with a monthly payment of {$2800.00}. The total monthly payment for both loans with Navy Federal Credit Union is {$6800.00}. The refi loan I applied for and received conditional approval on XX/XX/XXXX at 1.75 % @ {$540000.00}. A month later I received a denial letter from NFCU due to Income insufficient for amount requested. I called in to request to talk to someone and was told I could do an appeal letter but was not allowed to talk to a XXXXP or XXXX. I was denied due to my XXXX XXXX and bXXXX XXXX in XXXX. I sent in an appeal letter providing information as to the decision to sXXXX XXXX XXXXs due to the XXXX and going back to full-time employment in corporate XXXX in XXXX. NFCU had my bank account balances, my regular full-time paychecks, rental income, and my XXXX XXXX pay which equated to {$210000.00} annual salary for a {$540000.00} XXXX XXXX XXXX at 1.75 % expected monthly payment is estimated at {$5700.00} which is {$1100.00} LESS THAN what I pay on time every month to NFCU now. It makes no sense that a bank or credit union who states on their website - Compassionate service goes beyond knowing your name and rank. It's understanding and caring about what's important to you. That's why we're truly dedicated to yow overall financial well-being and helping you achieve what you want in life.2. We Put Members First- " Helping members reach their goals with the best products and service possible is what we do. '' THIS IS FALSE ADVERTISING. NFCU is more focused on profits and sticking it to members. That is the only thing that makes sense when you look at the numbers and the XXXX ratio which is well below the guidelines. On XX/XX/XXXX i received an additional communication from NFCU- This borrower was denied due to the significant Schedule C loss reflected on his XXXX tax returns from a LLC in the amount of $ XXXX. In his appeal letter he states the business is no longer running- can he provide documentation for the dissolution of the business. I provided the dissolution docs but also the XXXX & XXXX showing the loss was due to Cost of Goods ( sale of a home ) and I also turned in the business tax returns. Again, this is XXXX XXXX and business losses and is no longer applicable. FURTHERMROE, NFCU shutdown access for me to send my two appeals letters and supporting documentation via the secure Online portal and made me email them everything which is NOT secure and put me at risk to Identity theft. I tried several times to talk with a XXXX, a XXXX oXXXX XXXX and was denied each time and no one from NFCU would address the lack of security for my information and provide access to the secure online portal. Everything was done via open unsecure email from XX/XX/XXXX to XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48306
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
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: A collision has occurred ( see attached ) and the vehicle owner also as the cardholder called XXXX to tow the vehicle. XXXX dispatch called XXXX confirming XXXX of their partners responded to the scene and is only XXXX blocks away. For some reason, XXXX XXXX show up, purportedly claiming as the XXXX partner, but dropped off my vehicle into their tow yard instead of the place I wanted. XXXX dispatch called back at XXXX AM claiming they can not find me or my vehicle, then I realized XXXX XXXX had unauthorizedly towed my car without my consent, they demanded payment before they can release my vehicle, I provided them the card to charge, but wrote : " refused to sign ''. Once I have retrieved my car, XXXX local dispatch was contacted at XXXX AM ( see attached ), and XXXX finally towed my car to the right place because XXXX XXXX does not even have my consent to tow my car in the first place. Now when I dispute the charge, the card issuer required me to get a credit receipt, how could I get a credit receipt, if the receipt has been signed as " refused to sign ''?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Since 2018 NFCU has illegally taken personal property NFCU has illegally charged me for payments already made NFCU has illegally repossessed my vehicle without notice NFCU has been verbally abusive NFCU has trespassed on my property NFCU has threatened legal action without proper notification NFCU has made negative reports to credit reporting agencies NFCU has taken illegally taken pictures of my property and my family NFCU has listed my home for sale NFCU has not notified me of options or late payments NFCU has frozen my accounts
Company Response: Company believes it acted appropriately as authorized by contract or law
State:
Zip: 720XX
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I have reason to believe and do so believed i was discriminated against by this company due to the response they sent. I acted in good faith and was denied credit which is a direct violation of 12 cfr 1002. I have been banking with this institution for little over a year and have been having alot of issues with this bank as well as countless denials for credit cards and credit for auto loan ( s ). This notice is a notice that I am rejecting this offer to deny me the right of credit pursuant to 15 usc 1602 OFFER REJECTED NOTICE ATTN : Navy Federal Credit union XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX This correspondence is in regard to the application submitted on XXXX XXXX, 2021, reference no./application XXXX. Which an adverse action letter was received on XX/XX/ 2021. The adverse action offer is here by rejected, credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242. Reconsideration : Open-end consumer credit card ( 15 U.S.C. 1602 ( m ) ) with maximum allowable by the applicable law ( 15 U.S.C. 1602 ( j ) ). Balance will be zeroed on a monthly basis via special deposit of the interest bearing coupons associated on the itemization statement, instrument is a non-cash item ( 12 CFR 210.2 ( k ) ). Final offer non-negotiable relief and remedy from default may be achieved by servicing contract/self-liquidating paper under regulation z for a finance charge. To dishonor this counter-offer must be received within Five ( 5 ) calendar/business days from the receipt of this notice via written correspondence. *Conspicuous statement do NOT ignore* This is your opportunity to cure as well as your notice of default for the servicing of the credit application. You meaning Navy Federal Credit union and any of its agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply may result in billing. Legal proceedings may be enacted if dishonored. Notice to agent is notice to principal Notice to principal is notice to agent By Accommodation :
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-30
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: FL
Zip: 33884
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A