Date Received: 2021-10-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Saturday, XX/XX/2021, I went into Navy FCU to deposit a check. It was my initial oversight not recognizing this check was for my business not my person. The Navy staff failed to do his job by double checking everything and deposited the check into my personal account. The check was cleared and funds were made available. On Wednesday, XX/XX/2021, I went into the branch to withdraw funds and was there for 75 minutes because there it was discovered it was a business check. The account was restricted and I was not able to access any funds. This causes me financial distress because I missed a business deal. I am in the pre-planning of filing a lawsuit for damages.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2021 This is not mine. 5. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX Account Number : XXXX This is not mine. 8. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Unfortunately, I am a U.S. Veteran and I applied and was excepted on a mortgage in XX/XX/XXXX thru Navy federal Credit Union, XXXX XXXX XXXX. XXXX, VA XXXX Actual address, XXXX XXXX XXXX XXXX XXXX, VA XXXX I fell behind on my mortgage because I contract with the U.S. Federal Government and after I settled on my home at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ). I had two contracts with U.S. D.O.D. cancelled. I tried to work with N.F.C.U. and the kept coming back saying we need XXXX XXXX Dollars to reinstate your mortgage ( {$7000.00} ). The issue is as follow 's As of XX/XX/XXXX, I was fully aware my home going to foreclosure. However, I was not properly served. I was working for the XXXX XXXX. in XXXX XXXX. I called N.F.C.U. on Friday XXXX XX/XX/XXXX and spoke to the collections dept. The trustee never served with proper U.S. mail, Private processes and or the County Sheriffs dept per the Trustee. I explained I had a XXXX XXXX and I needed three weeks and I could get the XXXX XXXX Dollar 's paid. I was informed the home was up for auction at the Courthouse on Monday XXXX XX/XX/XXXX at XXXX XXXX. I explained I was not given notice by a Collections agency, N.F.C.U. and or a trustee I was not aware of had the account. Were as I was informed to speak to the trustee 's office in XXXX XXXX. obviously, I was told the same thing? It was being foreclosed on Monday XXXX XX/XX/XXXX at XXXX XXXX. Again, I explained I never received notice. I was put on hold ( Note I never cursed ex ), An attorney answered and said the same and that I would understand. I explained I would have filed a Chapter XXXX reorganization per the U.S. Constitution. The woman on the phone did not actual state but made herself clear therefore we will not collaborate with you Mr. XXXX. Obviously, she meant because I have as a U.S. born Citizen and U.S. Veteran rights that have been refused with criminal intent., However, I explained I was not notified of their office as a trustee was already involved and or the pending foreclosure over the weekend. I was out on hold again and she returned and said. Mr. XXXX, I have a copy of a U.S. Postal Service Certified Letter with it handwritten on it. Return to send er the property is vacant. I explained I have a leased tenant to help catch up in the property and I can supply them less to show the property was and is not vacant. I was hung up on and instead of calling back and risking being charged with a crime of XXXX I hoped and did not receive a return call. I called N.F.C.U. again and explained I was not properly served and my rights to file a ( Chapter XXXX Reorganization Bankruptcy ) was violated it went no wheres. I offered to recover any losses to N.F.C.U. in an unsecured note. I never received a response in two years. In closing this was an illegal foreclosure because I proved service was not properly made, l was violated and refused to be able to file a ( Chapter XXXX bankruptcy ), I am requesting intervention and N.F.C.U./ The trustee show the returned letter saying the property was vacant and I will supply the rent / Dep check and lease. Further I can prove there was an eviction of the tenant after the foreclosure. What I want. Since the home sold for excess of {$40000.00} XXXX dollars thinner, I owed, I owed in land records of XXXX XXXX. I am asking N.F.C.U. remove any records of the mortgage/ Foreclosure. As an undisclosed settlement for their conspiracy of Fraud. in return I have until XXXX XXXX, and I will be filling my complaint know later by thin the end of XX/XX/XXXX a civil action in XXXX XXXX for XXXX County V.A. The foreclosure laws were violated when service was not properly performed to. My civil rights as a U.S. Born Citizen / U.S. Veteran XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX My office mailing address for privacy reasons is as follows XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navy federal credit union agree to bring my car load and credit card to a good standard. In return i was going to pay them a settlement. I pay the settlement and the still report my accounts in bad standard. I call them on XXXX they say they will fix. But the did not. I call on XX/XX/2021 to navy federal and they admitt. The agreement but they still refuse to bring my account to good standard. They want me to pay more money after the settlement.i got denied on house mortgage loan because of the damage they are doing on credit because the still reporting. Im streess out this ruin my life. They are worse covid.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor and dispute it with them. The creditor was not able to provide proof or documentation to verify this specific account with me. All they sent me was some generic response stating that the account is accurately being reported to the credit reporting agencies. They did not use reasonable measures to ensure the accuracy of my credit reports and it seems credit bureaus are stalling the process further. This is a violation of the FCRA
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My Identity was stilen while I was in prison. I have made serval attempts to correct these issues by submitting mypridon outdate along with my correct information but these companies refuse to remove this debt from my credit report. After serving years in prison I am trying to grt my life back in order amd these companies are hindering me because of my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I, XXXX XXXX, Am submitting this complain on my own behalf and there is no third party involved. I recently pulled my credit report and discovered that there is information that I do not wish Navy Federal to furnish as they already in violation of the Fair Credit Reporting Act. The FCRA states what shall be EXCLUDED from my consumer credit report. 15 USC 1681a ( 2 ) ( b ) states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. so According to Federal Law this account should not be on my credit report because it violates my federal rights and shall be removed immediately
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60459
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I, consumer entered into a consumer credit transaction with Navy Federal Credit Union XXXX XXXX in or around XXXX or XX/XX/2021. I entered this transaction using my open end credit plan. I have been injured by the deceitful, misrepresenting of Navy Federal Credit Union. On XX/XX/2021 I wrote to Navy Federal a validation of debt and cease communication letter, according to the post office the letter was received on XX/XX/2021. Navy Federal continued to communicate with me via email, paper bill ( alleged debt ) and text message to pay on a invalidated alleged debt. I did not receive the 5 required items according to congress when a validation of a alleged debt is requested. On XX/XX/2021 I sent in writing a affidavit of truth, exhibits of individual actions/injuries alone with a invoice for remedy. Navy Federal Credit Union has willfully and knowing violated my rights as a consumer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I deposited a check with Navy Federal Credit Union. I was informed in writing ( via email ) that the check would clear in 2 business days. I was provided a XXXX dollar credit, out of XXXX dollars. I was then informed on the 2nd that the check would be held for 5 days. This is an insurance check for losses sustained by me in a car accident. I was told that the check had a high probability of not clearing, though I have never had a check not clear my account. I have been with this bank for 3 years. I was told security department did not work the weekends, yet they can determine on a Saturday that a check needs to be held?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31322
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A