Date Received: 2021-09-15
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: I hired XXXX XXXX to help me with removing items that were hurting my credit score. The Navy Federal Credit Union account XXXX was removed from my credit in XXXX. The same account and same amount was added back on to my report and I do not understand why. This account was first reported in XXXX, over ten years ago well past statue of limitations. I am submitting this complaint on behalf of myself.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Someone order credit cards as well as got a car loan in as well got a whole bunch of hospital bills in my name they as put me on the check fraud list know its not lettin me open up a account I need this remove so I can start on the right path
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX XXXX a consumer citizen of heaven sent a letter on XX/XX/XXXX, via certified mail with request of validation of debts. The letter was received by NAVY FCU on XX/XX/2021. Documentation attached. As it pertains to my consumer report, upon information and belief the company is attempting to collect an alleged debt pursuant to 15 USC 1692a ( 5 ). With respect to Account # XXXX, there is no debt owed. This is not a refusal with regard to payment of an alleged debt, but a request that the above claim is disputed and validation is requested ( FDCP 15 USC 1692g Sec 809b ) in the following order : Full validation such as, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies and overall compliance with all FCRA and FDCPA by laws as instructed by federal law. It upsetting to know such companies do not follow rules and laws. More importantly, companies such as the pursuant above should be held accountable for their actions. According to the FCRA a corporation is required to respond and complete and investigate within 30 days. As of XX/XX/2021, I still have not received anything pertaining to a complete investigation. Based upon evidence available to me, there is no debt owed. These laws are to make sure that there is a level of fairness to protect American consumers from nefarious, abusive reporting procedures on credit consumer reports, as well as illegal and deceptive collection practices.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hello I applied for a Mortgage loan with Navy Federal Credit Union. I qualified with credit but they stated that I have excessive high balances which denied me. I have 2 XXXX XXXX Cards at {$0.00} balance. I have 2 XXXX XXXX cards with {$0.00} balance. I have 2 XXXX XXXX cards with {$0.00} balance. My XXXX account was paid off two months ago. I have a XXXX XXXXXXXX XXXX credit card with a {$0.00} balance. I have a Navy Federal Credit card and I charged {$4700.00} from XX/XX/XXXX - XX/XX/XXXX and as of XX/XX/XXXX I have a {$2000.00} balance. Outside of that I have 2 auto loans that has a {$6600.00} balance and {$9900.00} and I have paid a total of {$48000.00} total between those loans since XX/XX/XXXX. I think that I have proven that I am economically viable and an excellent creditor. I am not sure what they are seeing but I do not carry balance on my cards and they only reason I am carrying a balance with the Navy Federal Credit Union credit card is because I am trying to build a relationship with them. They have access to my accounts and see weekly to bi-weekly deposits being made with no MISC spending habits. I would like for my application to be reviewed and my credit to be properly considered for the loan or prove to me where my excessive balances are that you use to deny me. If you look at all the supporting pictures even the {$230.00} balance that was just charged for XXXX has been paid just has yet to reflect to the account because it was done XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77498
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX I entered a settlement agreement with Navy Federal Credit Union to settle and a credit card debt that I owed in the mount of XXXX to settle a charged off credit card account. I recently applied to have a checking account opened with them and was denied due to a loss of roughly XXXX that Navy Federal took due to the settlement that they agreed upon. It was explained that I could pay the XXXX even though the account has paid and settled upon which is reflected in my credit reports. I am currently blocked from all products and services due to the XXXX loss, which was not explained to me at the time. I asked for my blockage to be sent to me in writing or if their by-laws state that this is correct and they could not because they have no literature that states that you will be blocked from future products and services if you settle an account with them.
Company Response: Company believes complaint is the result of an isolated error
State: SC
Zip: 29461
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: navy federal froze my account and would not give me any detail. I have requested information and informed them that i am a victim of identity fraud and they have since denied my claim. they froze my account because someone tried to call in and get access to my access twice. the first time they were successful and the second time the were unsuccessful. I have since filed police reports, filed a claim with the FTC and IRS and Navy Federal has been rude and unhelpful with this CONSTANT security issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
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/2021 i made a purchase at a online store for XXXX and XXXX was selling items from XXXX, XXXX XXXX and XXXX. They basically said that they were selling unclaimed items and everything looked legitimate. However when I looked at my credit card statement the same day and it said " VIRAL STORE '', I started getting concerned that it might be a scam. I immediately contacted the merchant and stated that they should cancel the transaction because something is not seeming right. They assure me that the item had already been sent and if I don't want it they can work something out or I can return. Another red flag was that when the purchase was made it said that USPS was awaiting to pick up item. So I relaxed a bit. The next day I checked the item was in XXXX XXXX in transit to XXXX. I presented all the emails, company had no phone number, and since the person was in XXXX it would take 2 days to get a respond. I filed a claim shortly with my credit card company ( Navy Credit Uninon ). Sent all the proof including emails. I had requested that the merchant sent me the return address to have items sent, they refused. I kept getting " we can give you 10 % of your money back to not return the item '', when I said no pls sent me your information to return item, 2-3 days later I will get " we can give you 15 % of your money back '' etc. I told the merchant no, I needed full return and will return the item to the return address that was on the package. They never responded. Now the credit card company ( Navy Federal Credit Union ) which I have been in contact with decided that they are going to return my money back to the merchant and told me that the merchant sent information that I received the item. Total insanity because this was not the issue. I spoke with a supervisor XXXX who was totally clueless, another supervisor told me that she was going to reopen the case when I sent proof that the item was returned because they can not approve refund if the item was still in my possession. I told them that the merchant refused to send me a return address and that I was going to ship it back to the return address on the envelope. I provided them with the shipping information and Navy Credit Union still doesn't want to return my refund. They have not provided me any written information about ruling in this case and justification on why they are refusing to return my money back. When XXXX was questioned about it she told me " I don't know why that information was not provided ''. They have claims adjusters that customers can not speak with, but they determine claim without providing justification.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/XXXX a phone number ( XXXX ) XXXX and ( XXXX ) XXXX called my family members and spouse trying to retrieve my personal information stating I wrote a bad check in XXXX and that navy federal is suing me and. ( I did not write any checks with them in that year and Navy federal has never reached out to me in regards to that. They became belligerent on the phone cussing at my fiance for asking who they were and to stop calling. When you call all they say is " law office how may I help you '' they were telling personal information about a " case '' with my parents. Gave them the attorney name XXXX XXXX with case number XXXX and that I am being sued and that my father was also co signed on a loan by me. My parents are not in even the same state as me. I don't even know how they got their new numbers and my fiance 's new number. I have not received anything by mail or phone in regards to this matter they speak of.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XXXX Consumer ID : XXXX I submitted CFPB complaint number XXXX in regards to information reporting inaccurately on my XXXX XXXX XXXX report. These items came back falsely verified and I am demanding an investigation. Also, I want a complete documentation of this investigation provided to me. The longer this unverified information is on my report, the more pain and anguish I feel. You are in violation of the FCRA and I am seeking remedy of {$400000.00} in compensation which you can send in the form of a check payable to myself and addressed to the addressed listed above. If these items aren't removed immediate, please expect an affidavit of truth to follow. Consumer ID : XXXX TO : NAVY FEDERAL CREDIT UNION In reference to to account Bank Routing # : XXXX Account # : XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that NFCU verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by NFCU. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. What you sent ( 4 illegible letters attached ) could be anything from anybody and is DEFINITELY not validation!!!! Please stop playing with me. This is making me XXXX XXXX. I can't eat or sleep and I feel like total XXXX because of this. Please delete this account immediately!!!! Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX Cc : XXXX XXXX, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX $ was taken out of a joint account that i am the primary of for the other persons debt. In the pandemic every dollar is spoken for. I had bills already arranged and they took my money without warning which put my account negative when bills tried to process with no money left. When i called they couldnt tell me why they took my money as it was not my debt but refused to give me my money back. I reached out several times and spoke to different departments with the same answer that they could because it was a joint account. I never authorized them to take my money for someone elses debt. I just want my money back, returned check fees waived so I can close my account and be done with them. They have caused me and my family hardship during a PANDEMIC!!! Horrible company, they should be ashamed! Yes its Navy Federal Credit Union
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79915
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A