Date Received: 2021-10-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I am the original creditor of the account in question. After further research into my account, I find there the be billing errors open-end credit plan NAVY FEDERAL pursuant Title 12 CFR 1026.21 and Title 15 USC 1666 ( b ). NAVY FEDERAL has taken adverse action against me in XX/XX/2021 and has closed this open-end credit plan. NAVY FEDERAL continues to try to collect payment from me regarding this account. Please see the attached statements of payments made to this account under fraudulent and threatening and harassing conditions. On XX/XX/2021, NAVY FEDERAL CREDIT UNION violated 15 U.S.Code 1692d ( 5 ) by causing my phone to ring repeatedly while using abusive language, forcing me to pay a debt. On XX/XX/2021, I contacted NAVY FEDERAL CREDIT UNION customer service due to the reporting of a late payment to my consumer credit report, causing my credit score to drop tremendously. I, have reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028a as NAVY FEDERAL CREDIT UNION, atleast on four separate occasions, has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation. NAVY FEDERAL CREDIT UNION furnished my personal information to several third party on atleast 4 occasions which is a violation of 15 U.S.Code 1692c ( b ), without my expressed written consent. NAVY FEDERAL CREDIT UNION is in violation of 15 U.S.Code 6802 ( 1 ) ( a ) ( b ) ( c ) by disclosing my nonpublic personal information to a nonaffiliated third party while not giving me the opportunity to opt-out or such information being disclosed, nor an explanation of how I, as a consumer, could exercise such nondisclosure option. NAVY FEDERAL CREDIT UNION is in violation of 15 U.S.Code 1681 ( a ) ( 4 ) by violating my rights to privacy. NAVY FEDERAL CREDIT UNION, on several occasions, has continued to use harassing communication while using a symbol affected by the mail pursuant to 15 U.S.Code 1692b ( 5 ) & 15 U.S. Code 1692f ( 8 ). NAVY FEDERAL CREDIT UNION has continued to use abusive debt collection practices as defined in 15 U.S.Code 1692 ( e ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 193XX
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have inquiries on my report from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Navy Fcu XXXX XXXX XXXX XXXX all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60409
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: 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: 93536
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Last year approximately XX/XX/XXXX my husband and I were presented with a plan that would allow us to delay mortgage payments under the Security Cares Act. Immediately we asked if this would negatively impact our credit. Of course we were told no because our payments were current prior to the initiating this plan. We opted in for this reason. At the end of this deferrment period, we were given the option to place those payments at the end of the loan. This is the option we elected. On XX/XX/XXXX I pulled my credit reports after denial for business credit for a derogatory report on my credit report. Unfortunately I discover Navy Federal Credit Union has labeled our mortgage as current but under a loan modification plan. This is seen by creditors as a negative reporting. We had no idea they would label our account as loan modification. The letter received only said they would report it as current. Nothing else. After failed phone call attempts during XX/XX/XXXX to get XXXX XXXX to remove the derogatory comment, I sent the following letter via their messaging system. The following letter was sent on XX/XX/XXXX to Navy Federal Credit Union regarding Mortgage Loan Your Message XX/XX/XXXX : Navy Federal Credit Union XX/XX/XXXX To Whom It May Concern : I recently applied for business credit and was denied for this business credit due to a report of participation in a loan modification program. I requested a copy of my credit report and to my surprise my current Mortgage Loan with your establishment is labeled as Loan modified but not under a federal government plan. According to the Navy Federal Credit Union letter dated XX/XX/XXXX, For members whose loans were current before entering a Plan, during the Forbearance period, we will report the loan to the credit reporting agencies as Current. My Mortgage loan past and current history is also labeled as exceptional by your institution. Therefore, should not be labeled with any derogatory labels. On XX/XX/XXXX, I called and spoke with your Mortgage representative, XXXX, regarding removing this label from my mortgage account due to the negative impact it is having on establishing my small business. She advised me to contact the credit agencies. This is insufficient advice as the negative label on my mortgage is not placed on my account by the credit agencies. This negative label is placed by the Mortgage lender. This negative comment is damaging my character, my personal mode of living to provide income for my family and my reputation. I demand this derogatory label to be removed from my credit report with all credit agencies immediately. Your company is in clear violation of the law. This negative remark is clearly a violation of the FAIR Credit REPORTING ACT 15USC 1681a4 my right to privacy. Their response was as follows : Navy Federal Response XX/XX/XXXX : Good afternoon, XXXX XXXX. We have verified that your account is reporting accurately to all 3 bureaus. The modification is showing because that is what you have as your post forbearance workout plan. If you have any questions please reach out to mortgage collections at XXXX. We totally disagree with the reporting and I have sent another certified letter to Navy Federal Credit Union on XX/XX/XXXX requesting once again to remove the derogatory statement from my account with the credit agencies. Yet the negative statement remains on my account and is interfering with my ability to launch my small business to provide for my family.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: good day this complaint is about Navy Feb bank and their level of unprofessionalism. I got a call from the bank about a month ago talking A lady called and confirmed my information and simply told me it was a routine bank call. She asked if I referred any family members to the bank of which I replied to the affirmative. the next day, I tried logging into my account from my office laptop, all to no avail I called the bank at about noon and was told my account was closed indefinitely without explanation. This is not just illegal, it's outrightly wrong. I implore the bank to restore my savings, checking and 2 credit cards with immediate effect or will take this up with my lawyer XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
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: 92124
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: To whom it concerns, in a previous response Navy Federal Credit Union. Advised me they received my notice of discharge XX/XX/XXXX. Chapter XXXX discharge in bankruptcy. It was stated I could re establish my membership if I met criteria. I still meet the criteria, but when I called to re establish my membership on XX/XX/XXXX. I was told that I couldnt re establish it until I talk to collections. It was told to me there was a negative share and checking account negative over {$3000.00}? I dont recall ever making said transactions especially not for that amount. My account was not accessible so how is that possible? Additionally I included that share and checking account in my bankruptcy filing which has been XXXX. Yet Navy Federal doesnt update their internal system reflecting such. I would like to re establish my membership. Im not sure where the {$3000.00} in charges came from since I havent had a debit card for that account since XXXX. Please assist me in updating your records correctly so I can open a new share.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75087
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am XXXX XXXX and I'm submitting this complaint myself there IS NO THIRD PARTY INVOLVE. On XX/XX/2021 Navy Federal Credit Union received a letter from me stating '' I am invoking my specified remedy as a consumer, and the original creditor, requesting Documentary evidence that Navy federal was in fact the holder in due course. '' along with ceasing any attempts to collect any alleged debts. NAVY FEDERAL NOT ONLY FAILED TO PROVIDE DOCUMENTARY EVIDENCE, NAVY FEDERAL CREDIT UNION ALSO CONTINUED TO CONTACT ME, COMMITTING MAIL FRAUD, ALONG WITH CLOSING MY ACCOUNT IN XXXX. Which places NAVY FEDERAL CREDIT UNION in violation of 12 CFR 1026.13 ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor XXXX be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. NAVY FEDERAL NEVER RECEIVED EXPRESS WRITTEN CONSENT FOR ME TO CLOSE MY ACCOUNT. I also have a voice recording of Navy Federal Credit Union representative stating that received my letter XX/XX/2021. I also have evidence of Navy Federal Credit Union violating 15 U.S. Code 1692c. Navy Federal has also violated 15 U.S. Code 1681 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includeany authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Leading to a violation of 15 USC 1692d ( 1 ). Any bad debt furnished on your reports is ruining your reputation, and it is defamation of character. This is just a few violation Navy Federal Credit Union has abused me with. I will be sending mail along with evidence
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/XXXX at XXXX, {$250.00} was debited from my XXXX prepaid card from Navy Federal Credit Union XXXX The authorized payment was approved with auth code XXXX. At XXXX, per my XXXX account details I was changed an {$250.00} from Navy Federal Credit Union XXXX The payment was debited with auth code XXXX. That same day, I contacted both XXXX and Navy Federal in hopes of resolving the duplicate payment error. However, I was advised by Navy Federal they are only reporting one payment received from me. Even after providing the authorization codes and dates, I still havent received my {$250.00} back. I filed a debit card dispute with Netspend and I feel they did not do a thorough investigation per Regulation E. I also feel that both XXXX and Navy Federal are violating UDAAP regulations as it pertains to the lack of services received.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2021-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been with NavyFed for 8 years and have never been treated so poorly by any other institution in my life. My current NavyFed is located at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. On XX/XX/2021 our state Governor lifted the mask mandates making masks a recommendation not a requirement. On that same day I went into my branch to make a deposit and was met at the door by the branch manager who immediately demanded I wear a mask. I said no thank you and she immediately became very aggressive and yelled You wear a mask or you DONT come in! At this point I obliged and put the mask she offered on. She then stands off to my left staring at me and begins to harass and belittle me in front of other members. By this point I became upset and said close my account and left the building. This is when she started to damage my credit and anything else she had the power to do by reporting to the credit bureaus missed payments for a debt over 7 years old that should be off my credit report. I few weeks later I received a letter from NavyFeds physical security dept threatening me in an attempt to intimidate me from disagreeing with her. This same women has also harassed other NavyFed members in front of everyone in the building, ONLY hires females and hates all military personnel and freedom. Its sad to see an entity claiming to be military friendly but then hiring people like her who treat our nations service members and veterans like this. To go out of the way to cause harm to consumers who do not agree politically with her or NavyFed is unethical and UnAmerican. I have in possession my credit report the threatening letter to support my claim.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80911
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A