Date Received: 2021-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am added on a credit card with Navy Federal as an Authorized User I have no idea who the card belongs to or who this person is. Ive been trying to get Navy Federal to remove me from this card and this account from my credit report for over a year now. The only information I have for the account is Account number XXXX. Thats it. Please remove this account from my credit reports as I do not know this person, I do not know how they have access to my personal information and I do not know how a card was issued and I was added to this account without my consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70363
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: someone used my social security number to open an account at navy federal credit union online
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I noticed my credit score going down and when I checked my credit I realized I had Navy Federal Credit Union Credit Card on my report. This all took place in XXXX and I called them spoke with XXXX and she said she would put in an investigation, I also put in a dispute with all the credit collection agencies and they I just received a letter from them stating it was verified and this is my debt. I know it's not mine and I told them as well. I never opened anything with the Navy, I've never worked with them neither have anyone in the Navy. The address they have or sent the card to I do not know, they have a different phone number, different middle name, plus someone made a payment on the card which isn't me. I am a male, XXXX XXXX XXXX XXXX and they said it was a Ms. ( Female ) that opened the card. They can track to tell where the funds went and who paid it and they will see I have no connection to this card. Unless this Navy company is a fraudulant company or it's an insider job and they are getting away with fraud. I truly need your assistance to resolve this because it's messing with my credit, which is very upsetting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am in the process of buying my home. delivers documents to only three types of home loan agencies. one is XXXX XXXX XXXX, Navyfederal and XXXX XXXX XXXX. Note in my XXXX application that I have had several exaggerated credit inquiries, and which because of this have affected my credit history. from having XXXX now I have a total of less than XXXX credit points. talk to them and they deny misusing the report. I want to open a thorough investigation and reach the final consequences on who they were and punish the guilty.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: A large payment was made to compensate for the next XXXX months payments because I was unable to pay due to being XXXX. XXXX XXXX XXXX military. Navy federaXXXX did not accept this and reported me late.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Today, XX/XX/2021, I received three items in the mail, one envelope containing an unsolicited debit card from Navy Federal credit Union and the other two, with a letter each describing The Important Rights on two accounts should these accounts become delinquent under New York law. First of all, I never applied for these accounts with Navy Federal, not have I authorized anyone to do so on my behalf. I immediately contacted Navy Federal via phone and was told I was most likely a victim of identity theft and that I should monitor my credit and use a credit monitoring service. I was also asked for my email and mailing information in order to receive a letter from them regarding this issue. My main concern is having someone using my identity to illegally open bank accounts and commit fraud, destroying my credit and finances in the process. This bank is in another state from where I reside. I have not lived in Virginia nor do I intend to do so in the foreseeable future.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11378
Submitted Via: Web
Date Sent: 2021-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am a college student and I was trying to purchase tickets for the football game. I was disappointed to find out I was actually scammed. I am out {$180.00} because some girl promised me tickets but never followed through. She communicated with me all day long ( XX/XX/21 ). She stated she never received the payment, but I spoke with my bank and they said the payment was received and confirmed. I am pretty upset because I am missing my football game and I am out of money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33852
Submitted Via: Web
Date Sent: 2021-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the XXXX XXXX XXXX to document being a victim of identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2021-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I was denied a mortgage loan the day of closing with no explanation by Navy Federal in XXXX of 2021 and I believe it was due to the algorithm rigged against my XXXX XXXX ethnicity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77064
Submitted Via: Web
Date Sent: 2021-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Company reported account on my record more than XXXX times. Also account was removed due to fraud XX/XX/2021. Company ( Navy Federal Credit Union ) stated I made a payment which I never did & re entered account in my credit on XX/XX/2021. Contact them to ask questions in pertain to them reporting same account more than once in my credit. They stated that Told me that my Checking acct was closed and that I needed to make a {$10.00} payment to close It out and open another one. This is the way they are getting ppl. Regardless of the info provided to me by them, I still didn't make the payment due to it sounding off.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2021-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A