Date Received: 2021-11-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Because of this incident, 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.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report last year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX XXXX Police Department. I, ve also mailed in certified letters to XXXX XXXX mail receipt code ( XXXX XXXX XXXX XXXX XXXX XXXX ). I received nothing. I'm also sure my information was leaked due to the information breach with XXXX. I was instructed to go to XXXX. I was prompted to enter my last name and the last six digits of my social security number, at that point I saw that my information was compromised due to XXXX security breach.The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PA XXXX ) He notice several instances where XXXX are in non-compliance with the FCRA. Im a victim but yet Im treated as if Im nothing. XXXX continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX did not go through the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that XXXX will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX has violated the XXXX XXXX has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section XXXX. I plan of taking full legal action if accounts are not removed by ( 4 days from todays date ). On XX/XX/XXXX *****only correct name on credit report should be spelled as followed ( XXXX XXXX XXXX Any other name or mispelling should be removed immediately. ***** ( FRAUDULENT ACCOUNTS ) ***** XXXX XXXX XXXX {$0.00} Closed Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX {$16000.00} Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXXXXXX XXXX {$0.00} Closed Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX {$3400.00} Account XXXX XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX {$500.00} Balance updated XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX ***** ( FRAUDULENT INQUIRIES ) ***** XXXX Miscellaneous Reptg. Agencies XXXX date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXXXXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vice President, Chief Legal Officer XXXX XXXX XXXX XXXX XXXX XXXX Non-executive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! Policy states 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 agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross referenced to the .U.S Code is at the end of this document.Section 623 imposes the following duties upon furnishers : Accuracy Guidelines. The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available atwww.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( l ) ( B ). Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies -If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The CFPBs website, www.consumerfinance.gov/learnmore, has more information about theFCRA, including publications for business and the full text of the FCRA.Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accountsto be deleted and blocked within four ( 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.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This letter is to serve notice of an error that occurred and a demand to resolve. On XX/XX/2021 the merchant, XXXX by XXXX deposited/credited a total amount of {$9200.00} into my personal checking account. I noticed after checking my account balance on XX/XX/2021 that- {$9200.00} was debited from my personal checking account by the merchant XXXX XXXX XXXX. I reached out to the financial institution, Navy Federal on XX/XX/2021 to request an explanation of why funds were reversed/taken. The explanation the representative of the financial institution, Navy Federal Credit Union provided me was " The merchant has up to 180 days to go into your account and settle any issues. '' I had to leave this issue right there after that exchange, because I felt, that what was being told /stated was in good faith the correct and right information, however on XX/XX/2021 I contacted the financial institution, Navy Federal and spoke with XXXX XXXX who informed me that she is no aware of such a rule that a merchant has up to 180 days to settle an account. I was faberglasted, confused and now determined to get to the bottom of this. As of today, XX/XX/2021 this matter has not been appropriately addressed. I want to have this resolved, as I believe this was an EFT error on the financial institute, Navy Federal. I would like to know ; ( 1 ). Why was I not given prior notification by phone, email or text of the EFT transaction that took place on XX/XX/2021?, ( 2 ). Does a merchant indeed have access to my account for 180 days in order to settle any discrepancies?, ( 3 ). Who authorized this EFT transaction?, and ( XXXX ). If it was not authorized was there written approval of a preauthorized EFT? I find that the financial institution, Navy Federal is in violation of Regulation E ( C.F.R. 1005 ) and I am requesting a formal claim of error investigated pursuant to 15 USC 1693f. I contacted the financial institution, Navy Federal pursuant to 15 USC 1693g ( a ) ( 2 ) on XX/XX/2021 and was made to believe I had no other recourse in this matter. This was false and deceptive practice by the representative of the financial institution, Navy Federal. I did not authorize ( 12 C.F.R. 1005.3 ) or preauthorize ( 12 C.F.R. 1005.10 ) the financial institution, Navy Federal to perform an EFT of my personal checking account. As a consumer, pursuant to 15 USC 1693a ( 6 ) I am invoking my consumer right to have this matter investigated and resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I bought tickets to XXXX XXXX concert on XXXX for XX/XX/XXXX. They literally rescheduled the concert the day before. Now it is going to take place until XX/XX/XXXX. I will not be living in XXXX XXXX by then. I sent a message to XXXX to get my refund and they simply stated the event organizer was not authorizing refunds. I disputed it with my bank, Navy Federal Credit Union and they too denied it because no refunds at this time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have sent dispute letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to XXXX about this navy Federal credit card account that on my credit profile in the amount of XXXX dollars.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Navy Federal was sent a certified letter regarding my vehicle being in an impound lot that was signed for on XX/XX/2021. Navy federal did not inform me of this and the vehicle was later sold at auction by the XXXX police department. To this day navy federal is still taking my money for a vehicle that neither of us own. At the time my account was in good standing and I should have been notified before the given time to respond. I have attached all of the paperwork that I have received.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93291
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was under covid forbearance for my mortgage with Navy Federal. I discussed options with them to come out of the forbearance and resume normal payments on my mortgage in XXXX. The loan modification option they provided would remove the interest charges that occurred during the forbearance period and roll in any missed escrow payments back into the loan, which I agreed to, total loan amount would be ~ {$320000.00}. I was told the paperwork would come in the mail, which it didn't. I called Navy Federal in XXXX to request an update on the process and was told it was sent to my email and would have to be redone. Even though I had talked to Navy Federal representatives several times over the passed two months on other matters, my mortgage account was never mentioned. After going through the options again with Navy Federal, I once again agreed to the loan modification and was told to watch for an Email from Navy Federal. I received the email a few days later and it was to resume my payments and a lump sum payment of any missed payments due at the end of the loan, which I didn't agree to. This time the amount due was ~ {$310000.00} with a ~ {$39000.00} final payment due at the end of the loan. After calling Navy Federal again, they realized the mistake and processed the loan modification request. This time the amount due on the loan is ~ {$340000.00}. After calling Navy Federal again, I was told they were no longer removing the interest charges that occurred during the forbearance and that this is the only option they would give and the additional {$34000.00} added to my principal balance was for escrow, interest charges and late payment fees. The representative refused to assist in any way and just repeatedly stated there's nothing that could be done and I missed my opportunity to agree to a lesser amount, effectively holding my house XXXX over me, either I agree or next steps will be taken against me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I, XXXX XXXX XXXX , am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) //// NAVY FEDERAL CREDIT UNION is a debt collector pursuant to 12 CFR 1006.2 ( i ) ( 1 ) and 15 USC 1692a ( 6 ) who regularly collect or attempt to collect, directly or indirectly debt owed or allegedly owed//// Without my direct consent NAVY FEDERAL CREDIT UNION have used my Social security Card aka `` credit card '' as defined under 15 USC 1602 ( i ) '', to collect funds for their own benefits, and transfer it to me as a loan, without having any authority for such use, which is an unauthorized use under 15 USC 1602 ( p ), NAVY FEDERAL CREDIT UNION never revealed the name and address of the original creditor in ANY of the alleged loan document. ///// I entered into a consumer credit transaction with NAVY FEDERAL CREDIT UNION on March 13, 2019, this consumer credit transaction includes a finance charge pursuant to 12 CFR 1026.4, NAVY FEDERAL failed to explain in any of the alleged loan documents the method of determining the finance charge as mandated under 15 USC 1602 ( v ) //// NAVY FEDERAL failed to disclose what must be included in the finance charge, which shall be disclosed clearly and conspicuously in accordance with 12 CFR 1026.17 and 12 CFR 1016.3. ( SEE ATTACHED EXHIBIT ) ////// NAVY FEDERAL is in Violation of 15 USC 1605 ( a ) ( c ) and 12 CFR 1026.4 ( b ) ( 8 ). This consumer credit transaction includes a " finance charge '' and the Finance charge shall include premium insurance against loss or property damage or against liability arising out of the ownership or use of the property. NAVY FEDERAL did not disclose that my insurance must be included in my finance charge, but instead forced me to purchase insurance separately. SEE ATTACHED EXHIBIT////// Pursuant to 12 CFR 1026.23 ( b ) and 12 CFR 226.15 ( b ), NAVY FEDERAL CREDIT UNION shall provide the consumer with appropriate forms and Notice of Right to Rescind any transaction . NAVY FEDERAL failed or neglected to provide/disclose the appropriate form with the required " Notice of Right to Rescind '' to clearly and conspicuously disclose when the rescission period expires, which is 3 years if the required notice or material disclosures were not delivered./////// Pursuant to 12 CFR 1026.23 ( a ) and 12 CFR 226.15 ( a ), I HEREBY RESCIND the consumer credit transaction granting any security interest to NAVY FEDERAL CREDIT UNION ///////. NAVY FEDERAL CREDIT UNION willfully and knowing misrepresented the " Truth in Lending Disclosure '' to create false and misleading representation about the use of credit, therefore NAVY FEDERAL CREDIT UNION and its agents are civilly and criminally liable under 15 USC 1611 and 15 USC 1640 ////// I sent NAVY FEDERAL multiple letters requesting the name and address of the ORIGINAL CREDITOR with no success. //// Pursuant to 12 CFR 1006.38 ( c ) the FDCPA under Disputes and Requests for original-creditor information. Upon receipt of a request for the name and address of the ORIGINAL CREDITOR submitted by the consumer in writing within the validation period, a debt collector must cease collection of the debt until the debt collector : ( 1 ) In general. Sends the name and address of the original creditor to the consumer in writing or electronically in the manner required by 1006.42///// I AM STILL DEMANDING THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR TO THIS DAY //// NAVY FEDERAL never ceased the collection of the imaginary debt even after multiple disputes, collected the FULL amount of the alleged debt ( nearly {$12000.00} ) ////// NAVY FEDERAL furnished deceptive forms under 15 USC 1692j and 12 CFR 1006.30 ( e ), which creates false beliefs about the creditor, that other person than the creditor is participating in the collection or attempting to collect the alleged debt ///// NAVY FEDERAL CREDIT UNION based on false and misleading representation of allege contract ( SEE ATTACHED EXHIBIT ) with undisclosed material facts, constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) and 15 USC 1692f ( 1 ), a misleading collection pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e////// EVEN AFTER THE ALLEGED LOAN WAS PAID IN FULL, NAVY FEDERAL IS UNABLE AND REFUSED TO SURRENDER THE ORIGINAL INSTRUMENT ( Promissory note ) AS MANDATED UNDER California Commercial Code 3501 ( b ) ( 2 ) and UCC 3-501/////
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92040
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I was visiting a friend who was visiting from out of town and I got out my car walking to the hotel and 2/3 people walked up and punched me beat me and pulled a XXXX on me and demanded my purse which had my id in my purse with my address on it my cell phone with the passcode number on it and PIN numbers to debit card and was told if I didnt give them my PIN numbers they would kill me right now and go to my house and kill my family I have children at home so I did what they asked because who want to lose they life over miscellaneous meaningless stuff and they ran off somewhere. After they left I got up and immediately drove home to my family and then went to the hospital. I was told to file another report because they couldnt find my original report when i called for another copy of the report because i misplaced the first report as well! I contacted Navy Federal on XX/XX/2021 and they denied my claim the XX/XX/2021, following day, claiming they saw no error on their end when it takes more than 4 hours to complete a claim. They denied me a provisional credit because they denied it. I sent over my police report now no one can give me any information everyone is rude and that was my savings because I escaped an abusing relationship in XXXX XXXX Mo so I came to XXXX XXXX Nv to get away from him and now I got mugged and now Im without money to take care of my children of XXXX which one is XXXX my lights is currently shut off due to none payment because the money that was stolen was for bills rent and to take care of my children I reopened a secondary review and they wont provide me with a provisional credit now because they denied the first fraud claim Im in a financial bind and cant provide for my children and have an eviction notice because I cant pay rent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I did not consent to, authorize nor benefit from the following account : Navy Federal Credit Union. Navy Federal Credit Union removed the original fraudulent account number XXXX on XX/XX/XXXX from my credit reports. This Navy Federal Account has been closed for two years, XX/XX/XXXX. Then, Navy Federal Credit Union created a new fraudulent account number XXXX without my knowledge, nor consent, nor authorization with the same fraudulent information in the original fraudulent account and number that has been closed for two years. As a result, XXXX XXXX and XXXX falsified documents stating the investigation results show the account has been deleted and removed. When in fact, the account was never removed, XXXX allowed Navy Federal to change the account number and retain the same false information to the original fraudulent account. Navy Federal changed the account number and XXXX allowed this fraudulent change to take place after XXXX stated the account was removed. The account was never removed, only updated with a fraudulent account number. Navy Federal never notified me nor asked my consent/request me to change the account number. This account has been closed for over two-years. Navy Federal and XXXX are now in violation of 15 USC 1692 e ( 8 ), 15 USC 1692 e ( 10 ) and 18 USC 1028A.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20706
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A