Date Received: 2021-11-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have tried to close my checking account several times and have been refused. I was then charged with fees from returned checks when I have not written any checks and no one currently has permission to draft money from my account. It has been weeks and I havent gotten the account closed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Our mortgage was denied on or about XX/XX/2021 after receiving conditional approval on XX/XX/2021. After applying for the loan the processor advised us that the loan we are refinancing had to be removed from forbearance. I took the mortgage out of forbearance and made the first three monthly payments. The forbearance was due to the pandemic. We lost one income and were uncertain about what the future would hold. Both of our credit scores are 800 plus. Our debt to income ratio was less than 30 %. We had sourced and seasoned cash reserves deposited in the institution. The Loan to XXXX was going to be in the area of 60 %. The lender led us to believe they would complete the refinance. We locked our loan rate and followed their instructions. We did not shop another lender or lock the rate with another lender. On XX/XX/2021 I received an email from the processor that our loan had been denied by the underwriter. At this point I do not know the reason why because I have not received an adverse action letter from the lender. However I believe the lender is treating forbearance as foreclosure or bankruptcy. I'm sure that was not the intention congress had when implementing the CARES Act and extending forbearance to homeowners that had lost a job due to the pandemic.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80112
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am not a fictious CORPORATE ENTITY, or PUBLIC OFFICE HOLDER using any fraudulent government-created, UPPER-CASE name, XXXX XXXX XXXX XXXX XXXX that resembles my natural name. This upper-case fictional identity was forged for unlawful commercial gain from a birth certificate contract without full disclosure to me and without my consent or my mothers consent. 1. There is no evidence that XXXX XXXX XXXX XXXX has any outstanding liabilities or obligations with NAVY FEDERAL CREDIT UNION under the doctrine of ultra vires. By doctrine of ultra vires, a contract made by a corporation beyond the scope of its corporate powers is unlawful. Affiant believes there is no proof to the contrary. 2. Pursuant to Title 12, Section 24 paragraph 7, it explains the power of the XXXX XXXX XXXX. 12 U.S. Code 38 - The XXXX XXXX XXXX States ; Seventh. To exercise by its board of directors or duly authorized officers or agents, subject to law, all such incidental powers as shall be necessary to carry on the business of banking ; by discounting and negotiating promissory notes, drafts, bills of exchange, and other evidences of debt ; by receiving deposits ; by buying and selling exchange, coin, and bullion ; by loaning money on personal security ; and by obtaining, issuing, and circulating notes according to the provisions of title 62 of the Revised Statutes. NAVY FEDERAL CREDIT UNION brought forward and loaned its own CREDIT within the Consumer Transaction/Contract. Bank do not have the authority to create nor loan out credit and have committed unlawful acts of fraud and have violated SEC rules and regulations. Affiant believes there is no proof to the contrary. 5. Fact, the United States Federal Government has been dissolved by the Emergency Banking Act, XX/XX/1933, 48 Stat. 1, Public Law 89-719 ; declared by President Roosevelt, being bankrupt and insolvent. H.J.R. 192, 73rd Congress in session XX/XX/1933 - Joint Resolution to Suspend the Gold Standard and Abrogate the Gold Clause. Federal Reserve Notes ( FRNs ) are unsigned checks written on a closed account. FRNs are an inflatable paper system designed to create debt through inflation. To pay a debt, you must pay with value or substance ( i.e., gold, silver, barter or a commodity ). With FRNs, you can only discharge a debt. You can not pay a debt with a debt currency system. Federal Reserve notes make no such promises, and are not money, you can not service a debt with a currency that has no backing in value or substance. No contract in Common law is valid unless it involves an exchange of good & valuable consideration.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: After careful investigations on my part and with the help of law enforcement it has been revealed that XXXX in the fraud department at Navy Federal Credit union is leader in the credit card scam going on at this company where they mail memebers credit cards to their friends and they make unscrupulous charges then refuse to investigate these charges and the consumers are stuck to pay these bills. This is disgusting and reprehensible. They are defrauding all these members to make a buck for themselves and they should be ashamed of themselves.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77504
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: NAVY FEDERAL CR UNION Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$20000.00} {$19000.00} I am a victim of identity theft ; my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud did not happen nor I have not benefited from any of this. I provided proof that I was incarceration ( identity theft report, the accounts, paper work from the government of my incarceration and validation letters ) to the creditors and all XXXX credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in prison ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents. All of my rights has been violated according to The Fair Credit Reporting Act ( FCRA ) The lawsuit will be filed due to the utter lack of response from your Regions. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote Regions in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court if needed. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization while i was in incarcerated. XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. This matter could've been settled simply by your agreement to remove the false information from my credit file with the evidence I provided. I will also be aggressively pursuing the full judgment that I can go against XXXX for violation of the Fair Credit Reporting Act and Defamation as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29203
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: NAVY FEDERAL CREDIT UNION is trying to collect an alleged debt in the amount of {$12000.00} which I, the consumer do not owe. I am a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). I am aware that NAVY FEDERAL CREDIT UNION is a creditor pursuant to 16 CFR 433.1 ( c ). I have reason to believe and do so believe NAVY FEDERAL CREDIT UNION has my social security number on file which represents a credit card according to 12 CFR 1002.2 ( k ) meaning that when I provided my social security number my alleged loan debt from NAVY FEDERAL CREDIT UNION has already been paid for.I also have reason to believe and do so believe pursuant to 12 CFR 1002.2 ( a ) my account with NAVY FEDERAL CREDIT UNION is a open end credit plan which means I, the affiant should not have to pay any alleged debt that, NAVY FEDERAL CREDIT UNION claims that I owe. Lastly, I am aware that according to my certified UCC Lien Search from the Secretary of State I, the consumer/debtor dont have any liens against me along with me not having any debt attached to me. This further proves that I, the consumer, do not have to pay this alleged debt that NAVY FEDERAL CREDIT UNION claims that I owe.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I Contacted the company and informed them that it didn't belong to me. I was informed to do a dispute with their fraud dept. Nothing was done. I waited for a response and didn't receive one only for me to be told that a police report would be need but the time has past and there is nothing I can do for this. The account in question was placed In my credit more than 3 times which brought my credit down over by 70pts. I dispute the item with the credit bureau which it was removed with supported documents then only for Navy Federal Credit Union to state I made a payment of which I never did. I have no access to my checking account which I believe my account has been froze.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have sent debt validation letters and dispute letters on XX/XX/2021 and XX/XX/2021. These letters are regarding to a debt said to be owed to NAVY FCU. The account number is inaccurate between all three bureaus. According to the XXXX XXXX XXXX XXXX, a consumer has the right to dispute this matter. I have even tried disputing this account through XXXX online.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84095
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2021, I was a victim of a phone scam. Some person pretended to be Navy Federal Credit union and asked for a pin that they were about to send me from their fraud Department. After getting a pin I relayed it to the representative and the phone hung up. A few hours later Navy Federal called me and said I was a victim of fraud. I proceeded to file the fraud claim and was told I would be reimbursed within 10 business days. As of today it has been over a month and I have reached out over 30 times requiring about my reimbursement and the only thing I was told is that it is pending. This has cause me severe XXXX in which I literally had to get medication for and this is not the treatment that I think a war vet would get from his own credit union
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92064
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Navy Federal Credit Union is claiming that I owe an alleged debt of {$6300.00} on a credit card. I am making this complaint to prove that I do not. I am in fact a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). I am well aware that NAVY FEDERAL CREDIT UNION is a creditor pursuant to 16 CFR 433.1 ( c ). I am also aware that according to 31 U.S. Code 3123 ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. Therefore I, the consumer, is not obligated to pay this alleged debt. I am aware that according to 18 U.S. Code 8 the obligation of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, BILLS, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Again, I, the consumer, is not obligated to pay this alleged debt. I am aware that according to 12 U.S. Code 1431 the powers and duties of banks is to BORROW MONEY. Therefore it has come to my attention that money wasnt created with NAVY FEDERAL CREDIT UNION until I, the affiant, handed over my social security number. I, the consumer has reason to believe and do so believe ALL of my billing statements as well as ALL the amounts I have from NAVY FEDERAL CREDIT UNION is a billing error, pursuant to 12 CFR 1026.13 ( a ) ( 6 ). I, the consumer, has reason to believe and do so believe NAVY FEDERAL CREDIT UNION has my social security number on file which represents a credit card according to 12 CFR 1002.2 ( k ) meaning that when I provided my social security number my alleged credit card debt from NAVY FEDERAL CREDIT UNION has already been paid for. I also have reason to believe and do so believe pursuant to 12 CFR 1002.2 ( a ) my account with NAVY FEDERAL CREDIT UNION is a open end credit plan which means I, the affiant should not have to pay any alleged debt that NAVY FEDERAL CREDIT UNION claims that I owe. Lastly, according to my certified UCC Lien Search from the Secretary of State I, the consumer/debtor dont have any liens against me along with me not having any debt attached to me. You can perform a UCC 11 Lien search on me for this fact. This further proves that I, the consumer, doesn't have to pay this alleged debt that NAVY FEDERAL CREDIT UNION claims that I owe.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A