Date Received: 2021-10-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Re : Notice of Intent to sue for falling to remove innacurate information after received Identity Theft Report. Attn : Navy Federal Credit Union Account # XXXX Dear Sir/Madam I am a victim of identity theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), 615 ( f ) and the 623 ( a ) ( 6 ) of the Fair Credit Reporting Act which states that this information must be removed within four business days of receipt. THIS LETTER servesas the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. You are inaccurately and incompletely furnishing information regarding the above-referenced account to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as CLRA ) California Civil Code section 1750, et seq., ( hereinafter referred to as the ACT ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account # XXXX which constitutes violations of the Act and of my demand that you remedy such violation within four ( 04 ) calendar days from your receipt of this letter. Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : Any actual damages I sustain due to your failure to delete this item ; Cost of court action in order to have the item deleted; Punitive damages as the court may allow ; Nelson v Chase Manhattan, 2002 provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter. Yours very truly, XXXX XXXX XXXX cc : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX ( XXXX ) California Attorney Generals Office Attachment : FTC Identity Theft Report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My Navy Federal Credit Union account was hacked in XX/XX/XXXX. A {$4900.00} cash advance was taken via my Visa, and that a d other monies were taken from my checking and savings accounts. Some of the stolen money was moved to an account someone opened in my name in another bank. NFCU caught the charges and called me at home to see if I had authorized the transaction. I had not. They said it was done on a XXXX XXXX Tab from Virginia. I have never been in Virginia, have never used a mobile device for banking, and have never taken a cash advance, nor have I borrowed any money since XXXX. I told them so, and we spent two hours resetting all my accounts with them. NFCU later told me they were holding me liable for the original cash advance, as the money was sent to me, and that I had somehow profited from the theft. I appealed, but nothing was changed. I appealed again, and still no change. They started charging me interest, then took money from my checking account without my knowledge. I have always paid my account in full each month, so I owed them nothing. I told them in writing that the charge was not mine and I had no intention of paying it. The {$5000.00} balance appeared on my credit report so I disputed it with Experian. NFCU said they were investigating, but they were not. NFCU then took my entire 21-year history off my credit report -- checking, savings, credit, and investment accounts were all completely gone! Then NFCU started calling me harassing me about paying this overdue account. Every time they called, at least weekly, I told them this is not my bill and I have no intention of ever paying it. I took all the money from my checking and savings accounts so they wouldn't steal any more from me. There is an account linked to mine for someone I don't know. Money went through a clearinghouse in South Dakota, but I don't have the numbers to trace it further. If NFCU had done any sort of investigation they would have discovered all this and more ; I could not have done any of the transactions. I was at home with no internet access or cell phone service when it happened! I need my credit report information restored, the fraudulent activity purged from my accounts, and the money returned that they took. I have had no income since XXXX, and can not afford to lose what little I have. That was also my only credit card account, which I can no longer use.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN'T RECEIVED ANY INVESTGATION RESULTS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are several inquiries on my report that was put on without my permission Navy FCU, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Navy FCU, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am consumer writing this without the assistance of any third party. This is my understanding and account of the instrument attached in this complaint with the Bureau. Promissory Notes are negotiable instruments according to UCC 3-104 ( b ). Navy Federal Credit Union, who in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis, helped me finance a credit sale. The took place XX/XX/2021 I was given a purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who in this case is NAVY FEDERAL NFCU. Attached is my consumer credit contract. This instrument which evidences or embodies a debt arising from a Purchase XXXX XXXX transaction or a financed sale. '' This instrument was electronically signed by me the consumer on behalf of an individual. Pursuant to 16 CFR 433.2, It is unfair and deceptive for NAVY FEDERAL NFCU to directly or indirectly take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. In careful review of the instrument, this notice was absent, willfully. This means this is unlawful pursuant to 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. Pursuant to 16 CFR 433.3, this contract cuts off my right to assert my claims and defenses because it did not include 16 CFR 433.2 which is unlawful. This is not my obligation. In addition, I did not know it was possible to pay on a positive balance which is what NAVY FEDERAL NFCU mislead me into doing. All Consumer Reporting Agencies claimed this has been verified by NAVY FEDERAL NFCU however, I am requesting a complete and accurate disclosure of the nature and scope of the investigation. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. This is pursuant to 15 U.S. Code 1681d - Disclosure of investigative consumer reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2021, I consumer XXXX XXXX received a notification that NAVY FEDERAL reported negatively on an account that is being disputed. That is a violation of the federal law, 15 USC 1666a ( b ), 15USC1666b ( a ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ). I contacted NAVY FEDERAL on XX/XX/2021, to resolve this issue and remove the late payment in which they refused. I informed the supervisor XXXX, who refused to inform me that she was a debt collector, which is also a violation of the law. NAVY FEDERAL was ordered to CEASE AND DESIST communicatin with any third parties, in which they acknowledged reciept of such letter on XX/XX/2021 ; at this time they are in violation of that letter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 ) This is an unauthorized account popping up on my credit report. This account was opened without my consent or knowledge I would like to have it removed immediately. This has caused a stagnation for me and my financial goals.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92113
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
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 ], and I am sending this request myself to address the inaccuracies on my Credit Reports.I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I opened a secured credit card with Navy Federal Credit Union. I also had direct deposit going into my checking account that was to be used for automatic payments. At some point in 2019 I became ill and was hospitalized with a XXXX XXXX with complications. I thought that because the account was secured and that automatic payment was set up, the account was fine. The account balance was payed with my secured balance but what was left which consisted of only bank fees, is being reported to credit bureaus as delinquent. I called the company and asked why they didnt take the fees automatically with my auto pay? They said because it was over limit the automatic pay was cancelled and direct payment was required. Mind you at the time I had {$500.00} in my account and the fees were only {$50.00} and change. Furthermore I was hospitalized and didnt even know the delinquency had occurred. I contacted the company on three different occasions to explain the situation but they refuse to resolve the matter. I would like to have this matter settled fairly and have the delinquency removed from my credit report.
Company Response:
State: GA
Zip: 30120
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: REPORT OF DISCRIMINATION AND DECEPTION AND UNFAIRTREATMENT Please be advised that I would love to file a complaint of discrimination and unfair treatment, deception of a customer against the Navy Federal Mortgage Application process. As a six years loyal customer of the bank with an excellent credits score of XXXX with no default payment and derogatory records on my credit report, I have an apparent belief that my mortgage application was treated and sideline due to racial discrimination. After winning a bid for house property in XXXX, I have provided the bank with all documentation, including bank statements, pay stubs, tax return receipt, proof of Full-time employment status. It is important to note that throughout this process, there is no single document that my loan officer has requested that I did not provide on time, including an email from the workers union that I am a member of the union and in good standing. I was fully aware of my income ; I was initially approved for a pre-approval loan of {$270000.00} by the bank two consecutive times to secure a house for my family. The first time I was pre-approved, I couldnt win a bid on any property due to the competitiveness of the housing market. In XXXX, I had to reapply again, and in early XXXX of this year, I was able to win a bid of a property for {$270000.00}, to which I made an earnest money deposit of {$2700.00}. Throughout the application process, there is no time that Navy Federal nor the loan officers could inform me about my inability to be approved for the loan based on my income. Two weeks before the closing, the loan officer took {$530.00} from my savings account to go ahead with the home appraisal. The loan officers, fully knowing that my mortgage was not going to be approved by the bank, went ahead and did the appraisal. The appraisal was done, and the property was re-valued for {$250000.00}. I renegotiated the price with the seller and volunteered to offer an extra {$5000.00} from my savings just for me not to lose the house. Nevertheless, the bank and the loan officers continued with my application and even scheduled the closing with the sole intention to waste my time and deceive me. The final closing was expected to take place on come XX/XX/XXXX. Before that, three consecutive times, my closing dates were postponed due to a severe blunder from the loan officers, who appeared not to be entirely honest with me throughout the process even though they clearly understood my income strength from all the documents I provided them. They were very much deceptive to me as a customer. As late as XX/XX/XXXX in the evening, I was contacted by a member of the Bank who claimed to be part of the underwriters. I shall be more than willing to provide his name and telephone number. However, the said contact suddenly told me that for my loan to be approved, I need to have a savings of ten ( 10 ) months mortgage ( rent ) save in the bank account and a gift from my wife for the closing. I was shocked over the incident, fully aware that my wife and I had to save for the closing. On XX/XX/XXXX, to my surprise, after three months on the process, without being informed of any income qualifications by the loan officers, I received a voice mail from one of my loan officers stating that my mortgage loan had been denied as a result of a union letter even though the union did provide an email stating and corroborating my membership in good standing. I contacted the primary loan officer and asked him for a reason for the denial, and he completely ignored telling me the reason. However, after few days, I received an email stating the reason for the denial. I further requested the full disclosure of the reason and keep calling the Navy Federal and the loan officers, none of them could reply to my email or return my call. As a customer of the bank, I am well convinced that I have been discriminated against, unfairly treated, and deceived with the highest form of deception by the bank and the loan officers over the mortgage application primarily because of my race and national origin as naturalize American. I was NEVER told the truth, thus I would like my case to be thoroughly investigated by the senior management. Faithfully submitted Sincerely, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20912
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A