Date Received: 2021-11-03
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureau isreporting inaccurate information on NFCU XXXX XXXX Balance {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Navy Federal is in Violation of 12 CFR for discriminating against me using my race, age, national origin, color, and sex to determine whether I get a credit limit increase for an account that to my knowledge is not for a special purpose credit. They have refused to respond to me since I have began communication with this company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES! Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 10. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 12. XXXX Account Number : XXXX Please remove it from my credit report. 13. XXXX Account XXXX : XXXX Please remove it from my credit report. 14. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MD XXXX XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 22. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 23. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 24. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 25. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 26. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 27. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92020
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on NAVY FCU XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: NAVY FCU ( Finance ) XX/XX/XXXX, XXXX Never been in the military XXXX XXXX XXXX XXXX - I have never worked there
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I contacted Navy Federal Credit Union ( NFCU ) and spoke with a Mortgage Representative ( Ms. XXXX XXXX ( NMLS # XXXX ) and specifically asked, " Will NFCU accept/use an already approved Veteran 's Administration ( VA ) appraisal? '' and was told by Ms. XXXX that NFCU would ( Email from NFCU ( Ms. XXXX ) attached ). Although Ms. XXXX was not my loan processor, she was extremely helpful in providing answers to my questions. My Loan Processor, Ms. XXXX XXXX ( NMLS # XXXX ) sent me XXXX package ( Tracking # : XXXX XXXX XXXX ) to complete my refinance application and I returned it via XXXX as well. Afterwards, I ended up speaking with Ms. XXXX XXXX ( Supervisor, NFCU Mortgage Department ) ON XX/XX/2021, in great detail regarding my loan and Ms. XXXX asked if I wanted to have my loan transferred to another processor. My response was if it would take more time to process my loan, then I would stick with Ms. XXXX. After a week, Ms. XXXX left a voice message on XX/XX/2021, stating my VA appraisal will be transferred and that it will save processing time since it was already approved and its a VA loan. To my dismay, my loan was transferred on XX/XX/2021 to a new processor, Ms. XXXX XXXX ( NMLS # XXXX ) and was ultimately disapproved in XX/XX/2021 as a result of NFCU claiming it was due to my new credit score that was XXXX. I provided NFCU all the requested information only to be deliberately misled and ultimately disapproved and my credit along with my wife 's has been affected as a result of NFCU 's inability to process my refinance application in a timely manner...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Somebody used my name to open fraudulent account and write bad check
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX XXXX , am that I am, the consumer pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b )/ I entered into a consumer credit Transaction with NAVY FEDERAL CREDIT UNION on XX/XX/2017, this consumer credit transaction includes a Finance Charge pursuant to 12 CFR 1026.4, NAVY FEDERAL CREDIT UNION failed to explain the method of determining the finance charge pursuant to 15 USC 1602 ( v ), 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. / NAVY FEDERAL CREDIT UNION failed to include my property insurance in my Finance Charge pursuant to 12 CFR 1026.4 ( b ) ( 8 ). 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. / Pursuant to 12 CFR 1006.38 ( c ), I Disputed and Requested for Original-Creditor information, including name and address. NAVY FEDERAL CREDIT UNION refused and failed to disclose the name and address of the original creditor, even if I requested. / Pursuant to 12 CFR 1006.30 ( e ) NAVY FEDERAL CREDIT UNION is furnishing deceptive forms, 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 monthly statements constitute a Billing Error pursuant to 12 CFR 1026.13 ( a ) ( 6 ), and I am demanding Documentary Evidence. Pursuant to 12 CFR 1026.13 ( d ), collection action is prohibited and adverse credit report is also prohibited. / Pursuant to 12 CFR 1006.38 ( d ) ( 1 ) the failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer. This debt is being disputed NAVY FEDERAL CREDIT UNION shall provide the consumer with appropriate forms and Notice of Right to Rescind any transaction pursuant to 12 CFR 226.15 ( b ). NAVY FEDERAL CREDIT UNION failed and neglected to disclose the appropriate form with the required Notice of Right to Rescind. / Pursuant to 12 CFR 226.15 ( a ), I hereby rescind the consumer credit transaction granting any security interest to NAVY FEDERAL CREDIT UNION. /
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92040
Submitted Via: Web
Date Sent: 2021-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
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. This particular account is reporting inaccurate information on NAVY FEDERAL CR UNION XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: NAVY FEDERAL CU at XXXX XXXX XXXX XXXX, VA XXXX XXXX has been sending me collection notices in the amount of {$12000.00}. The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. i would like this item remove from my account completely.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2021-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A