Date Received: 2021-10-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I was reviewing my credit report and noticed information that are in violation under FCRA And TILA ACT are still appearing on my report. I sent out letters to the company over 30 days ago and still havent fixed the issue or they giving me the run around. These accounts are hindering it is keeping from gettin auto Loan or mortgage remove these items from my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
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: on XX/XX/2021 I paid a 3rd party for Navy Federal a settlement in the amount of {$3300.00} Navy Federal refused to update my credit report with XXXX, XXXX or XXXX. I sent letters to all three credit bureaus and was told they would need more time to verify the information. Navy Sent me a letter on XX/XX/2021 Saying my final payment was received. the debt was satisfied and no other collections would happen they would update my credit reports with the new information. on XX/XX/2021 I see its been updated with XXXX as charged off for {$10000.00}. XXXX has charged off/write off for {$10000.00} and XXXX says Payed for less than full balance/ charge off and listed as I9. This is not the information that was given to me in the letter. I paid a grand total of {$5300.00} however it's not being reported as such. In fact they are retaliating against me after I paid the final payment of {$3300.00}. This information is not correct and should be corrected to the letter that was given.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: When I applied for a loan with Navy Federal in XXXX of 2020 I was first denied because of DTI. When I called they re-considered and approved the loan. My credit score was over XXXX. When they approved me it was at 18 %. I really feel like this was excessive based on my credit score. Since then I have paid over {$1500.00} in interest. I think this rate was very high based on my score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2021 I saw a transfer of {$320.00} on my checking account with no explanation of the transfer. I then called the bank, Navy Federal, to inquire about the transfer and the rep informed me that it was transferred to a credit card. She stated that I, the consumer owe this alleged debt, stating that it was in an agreement that I am not aware of. I did not authorize of expressly authorize any amount to be transferred to any alleged debt they are stating that I owe.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 15001
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been a customer of Navy Federal Credit Union ( NFCU ) since about XX/XX/2021. I have had minimal issues until XX/XX/2021 at which time a representative thought I was a female attempting to access my own account and I had to prove my identity. On XX/XX/2021, I attempted to purchase food at a restaurant and was unable to as my debit card and NFCU issued credit card were both declined. I assumed there may have been a fraud alert that placed a hold on my account. I attempted to login to see if it could be resolved via the app and it could not. I spoke to a representative regarding the issue and she stated the notes said that the account was opened fraudulently and they will be closed. I was unsure of what would have caused this, so I asked to speak to someone regarding this and I was advised to call back at between XXXX and XXXX ET. I called back on XX/XX/2021 and spoke to 'XXXX ' in the 'Security Operations ' department. She stated that the accounts were put in a permanent restricted status due to the fact that the accounts were opened by means of Identity Theft. This is not the case as I am a victim of identity theft, so much so that my Social Security Number was cancelled and reissued in XX/XX/2021 as a result of identity theft. I had explained this around XX/XX/2021 to the representatives. I believe there is no logical reasoning behind the closure of the accounts, Further I was advised that they may hold the active funds in the Checking, Saving, and Security for the Secured Credit Card up to 2 years which seems illegal. I have exhausted all attempts to resolve this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I paid someone XXXX through XXXX XXXX for a service that never was fulfilled. The day of the service I never heard Research the person more and come to find out they are a scam. I called my bank, which is navy federal right away and explained to them the terrible outcome they explained to me they cant give me my money back because it was on XXXX XXXX, and XXXX XXXX is liking giving some cash. I explained to them I was scammed, I never had to deal with something like this before. And they just apologized and kept saying try to get my money back through XXXX XXXX. XXXX XXXX didnt give me my money back because the person I send the money to erased they XXXX XXXX. And XXXX XXXX told me to reach out to my bank they will send me my money back but they didnt. And now Im out of XXXX, and my bank couldnt even help me. I still have navy federal but I barely use them now, they dont help their customers thats in need.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77040
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I currently have XXXX XXXX XXXX XXXX account ( XXXX ) with Navy Federal with a limit of {$1000.00} I requested a credit limit increase and was denied. Stating Youve reached Navy Federals Maximum unsecured credit limit. What is the definition of unsecured credit limit? Federal Law does not define unsecured credit limit. When I entered into this consumer credit transaction I extended credit to Navy Federal. When Navy federal pulled my consumer report that inquiry was a receipt showing that the consumer credit transaction in fact took place however I did not benefit from it. With Navy Federal denying my credit limit increase this is a direct violation of 15 U.S. Code 1691 ( a ) ( 3 ) as It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised ANY right under this chapter. I have in good faith extended credit by a consumer credit transaction using my social security number which is by law under 15 U.S. Code 1602 ( I ) is a credit card to Navy Federal who has denied me access to my open end consumer credit plan. Pursuant to 15 U.S. Code 1635 ( a ) Navy Federal also failed to clearly and conspicuously disclose my right of recession. NAVY FEDERAL failed to provide the appropriate forms to exercise my right to rescind this consumer credit transaction. NAVY FEDERAL is BOTH civilly liable and Criminally liable. Pursuant to 15 U.S. Code 1611 ( 1 ) Navy Federal failed to provide my right to rescind this transaction which is required shall be both fined {$5000.00} and imprisoned not more than one year. Since Navy Federal is in direct violation of the Truth In Lending Act and the Equal Credit Opportunity Act they are civilly liable pursuant to 15 U.S. Code 1691e ( a ) for actual damages and pursuant to 15 U.S. Code 1691e ( b ) any creditor who fails to comply with any requirement imposed under the Equal Credit Opportunity Act shall be liable to the aggrieved applicant for punitive damages in an amount of {$10000.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I experienced the following : - My name was added to a credit card as an authorized user - The statement was set to generate XX/XX/XXXX. - The balance was paid, leaving approximately a {$50.00} balance - The payment was made via phone, because the online system was malfunctioning - The customer service rep advised us that payment would be applied and posted that day That did not happen and the credit card reported with a much higher amount, a maxed out balance. This is a problem for me, as I am in the process of closing on a mortgage. This reporting of the incorrect balance has dropped my credit score 40 points. I need the balance updated with all 3 bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Actions being taken on my account # XXXX without my permission. Unauthorized use of my information I spoke to representative and asked for validation of the debts Requested proof of investigation and records of my account Burden of proof falls on the corporate The institute was paid when I gave them credit during our initial consumer credit transaction day 1 and to unfairly make deceptive claims is unlawful Practicing deceptive behavior by furnishing incorrect, erroneous statements is unlawful Requested 1099 tax form Contract binding both parties Affidavit of Truth wet signature by chief executive officer XXXX XXXX directed to me the consumer. With prejudice I never refused to pay on requesting to validation the debts. I am a natural person and a consumer per federal law US has been actively bankrupt since XXXX and money is backed by nothing it is only paper debt and cant be used for payment. Only credit and gold or silver. Willful noncompliance is unlawful Violating my consumer rights is unlawful Not upholding regulation z, Truth in Lending is unlawful I know the finance charge is the sum of all charges
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Long story short : My sister initially opened an account for me at Navy Federal XX/XX/XXXX. I was told told that the teller that my sister can depsit my check into her account and she can send it to my account because they said my REAL ID from the USVI was not good enough and that I needed a FL ID. I got my FL ID then they needed to verify my social. I verified my social over 9 times ( SSA-89 form ) and Navy Federal still refuse to give me my deposited stimulus check after they closed my account in XX/XX/XXXX for whatever reason. They told me to come in person to get my money to no avail even after the manager told me that everything will be fixed that time. He even called me to come back to the bank to sign another paper that he forgot to give me to still no success there. I spoke to customer service several times and no help there. I even called the social security administration and they said my file is not flagged and there are no issues and still I'm not able to even get answers as to why I am having such a hard time REopening my account and getting my money back. I am not sure if when my sister opened the account she made an error with my social ( this is my only guess left ) but they would not tell me anything. My name is unique and they can still verify my Identity so why won't they release my funds. Lastly, my account is closed and I unable to access my money, but I still get my bank statements!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32826
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A