Date Received: 2021-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a notice that I allegedly owe {$1000.00} in credit card debt to Navy Federal Credit Union. I messaged the company stating that I am the original creditor and will and do not own any alleged debt. I told the company I will not pay towards a positive balance they claim I owe. The company responded that my account will be closing on XX/XX/XXXX as a result of monthly XXXX soft inquiries and that I " no longer meet the requirements '' to keep my account open due to the inquiries from XXXX. I have not provided Navy federal with any written or verbal permission to share information with anyone pertaining to any of my information. According to XXXX, XXXX, XXXX, and XXXX, Navy Federal Credit Union has shared my personal information will all of them. The debt is not validated. The company has violated my consumer rights pursuant to 15 USC 1692c ( a ), I have not given the company to communicate with me in connection with any debt. Pursuant to 15 USC 1692c ( b ) the company violated my consumer right by communicating with XXXX, XXXX, XXXX, and has communicated with XXXX on a month basis since the account was opened in XXXX. The company has used criminal means to harm my reputation as a consumer pursuant to 15 USC 1692d ( 1 ). The company uses a false and misleading amount, the alleged debt is in a positive amount pursuant to 15 USC 1692e ( 2 ) ( A ). How can someone owe in a positive amount? The company is in violation of collecting any amount unless permitted by law pursuant to 15 USC 1692f ( 1 ). Pursuant to 15 USC 1692g ( c ) the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: NAME OF MORTGAGE LENDER : NAVY FEDERAL CREDIT UNION CONTACT : XXXX XXXX, Resolution Processing Officer ( XXXX ) XXXX Ext.XXXX XXXX, Loan Officer/Loan Package Processor ( XXXX ) XXXX ear Sir/Madam : I am an XXXX XXXX Veteran. I have applied in XX/XX/2021 to refinance my VA XXXX XXXX loan with tNFCU. My loan was approved and scheduled for closing today, XXXX XX/XX/2021. The Escrow is being handled by XXXX XXXX XXXX XXXX in Texas. My property is located in XXXX XXXX XXXX, Utah. In spite of repeated requests for my lender, NFCU to send me copies of my Closing Documents, I was denied of my request.I was advised in writing that Loan Closing documents are not sent to Member-Borrower. On Monday however, ( XXXX XX/XX/2021 ), I received an email from First Am Escrow Asst. an email with 3 separate attachments consisting of Closing Documents. One attachment has approximately 142 pages of documents. On each page marked DO NOT SIGN FOR REVIEW ONLY. I am unable to read most of the documents because of the markings that covered words and numbers. By law, mortgage Consumers must receive the Closing Disclosure no later than three ( 3 ) business days before consummation of their loan. The forms use clear language and design to make it easier for consumers to locate key information, such as Terms of the Loan, Detailed Fees, Interest Rate, costs to close the loan, etc. The Deed of Trust is approximately a 15-page documents. It is so difficult for me to read the fine prints with markings on each page that read DO NOT SIGN FOR REVIEW ONLY!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84044
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2021 I filed a complaint regarding a charge card I have from Navy Federal that has reached its limit & Im no longer able to use it for purchasing good, labor or service on credit. I applied for a limit increase, received no response. On XX/XX/2021 I received an email from the CFPB stating that the company was still working on the issue. After no response since then, I sent this corporation a cease and desist which they received on XX/XX/2021 stating I refuse to pay this alleged debt on the account and as a consumer, invoking my specified remedy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48603
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I XXXX {$800.00} for a XXXX XXXX puppy then I XXXX an additional {$150.00} for the shipping from my bank. I received an email indicating that it was a fraud/scam and contacted my bank. The money hadnt even come out of my account and they said they could not stop it. Money left my account 24 to 48 hours after that and went to the person I bought the dog from. The dog was a scam and the person I bought it from said that they would refund my money and as of now I have no dog and no money and the person is no longer returning communication.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
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 isXXXX XXXXn, and I am sending this request myself to address the inaccuracies on my Credit Reports. 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 168 1i 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 wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report :
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: The closing documents for my mortgage application were signed on XX/XX/2021. During the 3 day waiting period NFCU decided to pull out of the transaction citing they were unable to verify my employment. After submitting several verification letters from my employer and even going as far as hosting a three-way call between myself, NFCU, and our HR department, NFCU has persistently failed to accept any formal form of employment verification provided. Theyve even requested to speak to my direct manager knowing that this would not suffice in verifying my employment in an effort to stall the signing process. Furthermore, NFCUs reps have failed to respond to countless contact attempts via phone and email. Ive requested callbacks regarding either moving forward or cancelling the process to several NFCU reps at all levels of the mortgage lending team only to be ignored. Ive explained the severity of the situation theyve have put me in ; from the thousands of dollars spent caused by their delay to the countless hours spent by myself, my realtor, and the sellers team. Whats worse is now NFCU has taken what little money I had saved and tied it up in their unknown process so I cant even move to another apartment. Without a sound response from NFCU regarding this delay Im beginning to believe this lack of guidance and care could be due to my name/race. There is no other reason that makes sense based on the circumstances at hand.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report. It has been well 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: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report. It has been well 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: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A