Date Received: 2021-09-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I began my search for a moving company to move me from XXXX to XXXX. I was contacted by a XXXX XXXX who was said to be a representative of XXXX XXXX of FL. After speaking with him I felt safe in regards to the move. I was told that a deposit needed to be made of {$1100.00} in order to get the process started I made that payment on XX/XX/21. He then told me that my move would be between XXXX or XXXX and that a rep would reach out to confirm the amount of items. I was contacted on XXXX confirming the items. On Wednesday night at XXXX XXXX XXXX left a VM asking to call them in regards to my move that was to happen. I called and once again the girl said the call was to confirm my move. I heard nothing until I called on XXXX that is when the lady said she left a VM telling me the movers pulled out on the entire route. She also stated that I would have to wait to see IF they would have another moving company sign a contract. She then told me to bare with them until Saturday and that they would call me .... I received no call on Saturday! I called back and the young lady apologized and told me to request an email. I emailed multiple times only to receive an email stating that I could not have a refund because I signed a contract! I had to drive XXXX miles back to XXXX to place the things the moving company was supposed to pack away. This has left me with a negative account and all of my belongings in another state with no way to get them back or out. I called another rep and she kept apologizing saying that my account was updated and it said to not give me a refund! They took my money and never came to get my things or offered to send a crew another day they stole my account information. This company is also on the XXXX website as fraud and my bank said that there was nothing they could do the first time. Now I am being asked to wait 10 day for a refund!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 50010
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
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 reviewed my XXXX credit report and compared it with XXXX and XXXX. I noticed that XXXX was not reporting my Navy Federal Credit Card beginning with # XXXX. On XX/XX/2021, I called and spoke with XXXX at XXXX who confirmed that this account was deleted in response to my dispute Report Number XXXX. I explained to XXXX that I opened the dispute due to inaccurate credit amount showing on my credit report. XXXX stated that the account was deleted rather than the CREDIT AMOUNT increasing. XXXX hung up on me. I called again and spoke to XXXX of XXXX. He confirmed that the account was deleted rather than the Credit Amount increased to {$2000.00} from {$1000.00}. XXXX advised that Navy Federal told them to remove the account from my file. XXXX stated that they can't do nothing about. XXXX disputed this matter incorrectly as evidenced by XXXX and XXXX are reporting my Navy Federal Credit Card accurately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: What happened? On Janurary XXXX, 2021 I, XXXX XXXX XXXX engaged into a " consumer credit transaction '' with Navy Federal Credit Union in which a " Finance Charge '' was involved " Amount Financed '' ( {$19000.00} ) and " Total Sale Price '' ( {$25000.00} ). Pursuant to ( 15 USC 1605 ) -Determination of finance charge-Finance charge defined- Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Navy Federal Credit Union also took individual action to demand a " Down payment '' in the amount of {$6700.00}. Pursuant to ( 15 USC 1662 ) -Advertising of down payments and installments- which states- No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified " down payment '' is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. Pursuant to ( 15 USC 1635 ( b ) ) -Return of money or property following rescission- which states-When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. The procedures prescribed by this subsection shall apply except when otherwise ordered by a court. After thoroughly reviewing my contract I also noticed that Navy Federal Credit Union had included my " Right to Reject the arbitration agreement '' but failed to provided me with the appropriate form of written notice published and adopted by the Bureau ( CFPB ) for my " Right of Rescission ''. ( 15 USC 1635 ( a ) ) - ( a ) Disclosure of obligors " right to rescind '' which states- Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau , of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Affidavit of Truth Notice to Navy Federal XXXX, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas I of age of majority give this herein notice to all, I make solemn oath to the one and only most High of creation and I depose the following facts, so be it, now present ; 15 us code 1681 says Subject to ( c ), any consumer reporting agency may furnish a consumer report in in accordance with the written instructions of the consumer to whom it relates. I have been violated and abused under this notion. Fact, Affiant is aware and has proof in attachment labeled as Exhibit A that ( consumer reporting agency ) is in violation of Truth In Lending I was never informed or presented when the rights to cancel expired. No Truth In Lending disclosure forms were presented at the time of the consumer credit transaction. No Rescission Process during the consumer credit transaction. Fact, Affiant is aware and has proof in attachment labelled Exhibit A that ( NAVY FEDERAL 15 U.S. Code 1605 - Determination of finance charge is in violation of ( Truth in Lending Act1, The TILA was first amended in 1970 to prohibit unsolicited credit cards. CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE ACT ( 3 ) Notice of right to cancel. -- Each notice required by paragraph ( 1 ) or ( 2 ) shall be made in a clear and conspicuous manner, and shall contain a brief statement of the right of the obligor to cancel the account pursuant to rules established by the Board before the effective date of the subject rate increase or other change. " ( 4 ) Rule of construction. -- Closure or cancellation of an account by the obligor shall not constitute a default under ( B ) the creditor has provided the obligor, prior to the commencement of such arrangement, with clear and conspicuous disclosure of the terms of the arrangement FEDERALLY PROTECTED CONSUMER RIGHTS willfully and knowingly, so they are civilly liable.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I called to a direct deposit form for a new job I am starting. I verified my account twice and and was told that they didn't think I am who I am. my mom, called in and filed a incorrect claim on my behalf months ago. that situation was corrected and I set up a code word so they would know that its me going forward. I gave that code word and also verified my account and was told that they didn't think I am who I am. while speaking to a manager I ask was this something that I would have to go through every time I call. I am a XXXX XXXX man, and I have a soft voice. some people would say I sound like a women. I cant control how I sound and I shouldn't be treated differently because of the way I sound. I feel like I have been discriminated against. no one should be treated the way I was treated today.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2021-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit has been pulled fraudulently. Please remove inquiry
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone opened a checking account under my name. Then made a cash advance from my credit card into the checking account. Then they made an external transfer from the checking account to another account outside of my financial institution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a hard inquiry on my XXXX credit report that is fraudulent and I would like to have this inquiry removed. The date of the inquiry is XXXX. I submitted a letter to the credit bureau for this matter and I reached out to the company and they informed me that I needed to submit a complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This is a system issue because the same issue has happened to my mother. Navy Federal Credit Union will ask for a password when verifying the account. Its a password that each customer can choose. After speaking with a representative I received a email stating my password has changed and if you have not changed the password please call Navy Federal CU. I call back and sure enough my password was changed with out my permission. My mother had the same problem with NFCU. At that point they refuse to help you and refer you to a branch or fax documents. The problem with this is my account is going to be late and possibly have a negative 30 days late. They dont send me statements because I am no longer a member otherwise I would mail in my payment. Since I no longer have the Credit Card I do not have the number to mail a payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Debt must be removed due to not be able to provide proof of original debt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A