Date Received: 2021-11-13
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: This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the fallacious account reporting on my Credit Report : XX/XX/XXXXXX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We have elevated this appeal at the bank, but feel the process here is so messed up, the need to bring it to higher competent authority in tandem. Since the beginning of XXXX we have worked with Navy Federal Credit Union, a bank I have been with for 20 years, on a VA Cash Out Refinance Mortgage. Their process is a total and redundant disaster. We supplied all necessary documents to show more than sufficient income and the loan has gone back and forth between conditional approval to underwriting and back. They continued to ask for an XXXX, which was not a form used for 2019. We signed cost of loan disclosure yesterday and today we received a denial out of the blue without request for clarification. Communication and explanation is very poor despite us providing in an expeditious manner anything requested. Today, we received a denial letter which stated unable to verify income from 2019 and its denied. This totally unacceptable. This is a benefit I have earned and we have more than sufficient income and have a current VA mortgage with this bank.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22556
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. NAVY FEDERAL CR UN XXXX Balance {$10000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
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: 30263
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : NAVY FCU Date of inquiry XX/XX/2021
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I, XXXX XXXX, consumer, natural person, and the original creditor of an open ended credit plan, was denied my right of credit by Navy Federal. I was notified of this transgression of my rights specifically 15 usc 1601- The Truth in Lending Act, I as a natural person possessing an open ended credit plan was harmed by Navy Federal adverse action against me denying my rights, of which the Civil damages pursuant 15 usc 1640 ( a ) ( 2 ) ( A ) ( i ) are up to {$5000.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX continues to discriminate and perform deceptive practices. I've reached out to them multiple times to try to remedy the situation with them but they continue to violate federal law. Persuant to 15 USC 1681c-2 ( A ) a consumer reporting agency shall block the reporting of any information that resulted from alleged identity theft not later than 4 business days after the date of receipt. Pursuant to 15 USC 1692c ( c ) I wrote them to invoke my specified remedy as a consumer and original creditor and demanded them to cease and desist from reporting these fraudulent accounts and they still have not done so. Federal law trumps policy and navy federal does not seem to believe so. I attached my ftc report my identification card and my affidavit of truth under 15 USC 1681c-2 ( A ) the accounts should have been deleted immediately after the receipt of the documentation. I will attach all documentation that I have sent to this company I have made a complaint with the XXXX and attorney generals office the next will be my lawyer drafting a complaint in federal court.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$3600.00} ; 2. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$2000.00} ; 3. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$0.00} ; 4. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$3600.00} ; XXXX. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$2000.00} ; 6. NAVY FCU XXXX Opened XX/XX/XXXX Balance {$340.00} ;
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.Regardless of the multiple written requests, the NAVY FCU accounts are still reporting on my credit report in violation of Federal Law. They failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my efforts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XX/XX/XXXX, Navy Federal took {$2000.00} from my checking account to pay off my credit card balance I had with them at the time with no permission. They took it upon themselves to pay themselves without my consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A