Date Received: 2021-08-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This continuing mortgage issue with NFCU has been a nightmare that has harmed me financially. I have had an FHA loan with Navy Federal Credit Union XXXX NFCU XXXX since XX/XX/XXXX. I have never had a late payment on it. I requested in XX/XX/XXXX a loan forbearance through the CARES ACT due to financial difficulties with Covid-19. I am XXXX as is my spouse. In XX/XX/XXXX my spouse suddenly went XXXX after we both had XXXX a few months prior and decided to end our forbearance quickly due to our need to possibly try and sell our existing home because having steep stairs became a hazard, and to also give us some time to get back into making house payments again. We were told you must make at least 3 payments to either refinance or purchase another home. I also was desperate to bring my currently reported mortgage balance down to where it should be ( about $ 36K ) rather than the now over $ 40K reported balance. Despite being told that my credit would not be harmed during forbearance, NFCU spent over a year adding interest and late fee 's to the balance being reported. That alone caused my credit score to drop over 100 points as balances are supposed to decrease not increase. I asked for assistance throughout XXXX from CFPB and NFCU but NFCU refused and CFPB did nothing to stop them. NFCU knew that what they were doing was purposely harming my credit. I exited my forbearance in XX/XX/XXXX and made a mortgage payment immediately but was not applied to my mortgage. I was given no options by NFCU other than a stand alone claim which was approved but no other options or modification to my mortgage was offered or discussed. I had to log into my online account and print all my documents then I was responsible for providing notorized copies to NFCU and mail them. To date I received nothing pertaining to this stand alone claim was told nothing about the program. rather I waited patiently for my credit scores to rebound once my mortgage balance was brought down to where it should be if no forbearance due to this pandemic disaster had occured. And my scores did rebound only to drop AGAIN in XXXX when NFCU reported my mortgage balance as being OVER $ 40K AGAIN! I was shocked and angry and confused and contacted NFCU many times only to be told that the " system '' didn't know how to process this $ XXXX payment thus kicked it out again and reported my mortgage balance as increasing $ XXXX causing my scores to plummet once again. NFCU admitted it was their error but has done NOTHING to correct this false information with the credit bureaus telling me that I have to call each one, they will not. I have been victimized yet again and additionally my payment went up ( {$280.00} to {$300.00} ) DESPITE my first payment being applied to my escrow account to insure this DID NOT happen. NOTE : NFCU no longer originates FHA loans. If my scores were not harmed by them I would seek out a cash out refi VA loan so that I could find a single story home while renting my existing home out while awaiting its sale. But qualifying might be an issue with my credit scores again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To Whom It May Concern : I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate Removal : Navy Federal with 2 different account numbers for the same account. The account numbers are : account # XXXX and XXXX for an account that has already been PAID but is reporting inaccurately on all 3 credit bureaus Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately. US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX/XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a TYPE OF ISSUE Information belongs to someone else manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information. The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
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: XXXX, XX/XX/XXXX. {$21.00} past due amount. Called Navy Federal to let them know that wife and I got XXXX XXXX XXXX and were extremely XXXX and completely forgot to make payment on my checking line of credit. We were pretty much XXXX for over a month and was unable to even go to work and at the same time my wife had been unemployed for over a year ( starting XX/XX/XXXX ). We have so far made all the past due payments and I called them and explained to them the situation and to ask them to remove late payment from my account but they said they are unable to do so even if I explained to them that were were affected by XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Problem when making payments
Subissue:
Consumer Complaint: I was laid off in XXXX and was having issues making payments exactly on the due date to my Navy Federal Credit card. After being about 15 days late, Navy Federal took money from my checking account to satisfy the credit card. That caused all my other bills to bounce and required me to pay an enormous amount in insufficient fees. Ultimately, Navy Federal froze my account. I still have a Line of Credit balance attached to the checking account. Navy Federal makes it extremely difficult to make the payment to that line of credit. If I pay online or automated by phone, it appears that the payment is set up and then a few days later the ACH is rejected. If I speak to a customer service representative, they set up the payment and it is rejected. It is certain customer service representatives that have experience with this situation that know how to get the payment to actually take. Recently, I was 25 days late and on XX/XX/XXXX ( the day I got paid ) I called and made a payment. I asked the representative if he knew how to get the payment to my Line of Credit and he assured me that he did. Today on XX/XX/XXXX, I got an auto-generated email stating that the ACH was canceled. The account is now 31 days past due and will be reported to my credit. It is not my fault that that Navy Federal representative doesn't know the process and lead me to believe that my payment went through. I had to call back 2 times today to get to someone who can understand my situation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22312
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On several occasions, I wrote Mr. XXXX XXXX, CFO of Navy Federal Bank regarding a credit card account. I simply requested verification and validation for contract transparency which included a notarized statement that there is no breach of agreement, failure of consideration or material alterations, and that the account was transferred in good faith and by the consent of all parties involved. I have reason to believe, and I do believe that Navy federal Credit Union in in breach of the alleged credit card agreement pursuant to 15 USC section 1692 and GAAP. Navy Federal Credit has not responded to any of my request.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiry date is from XX/XX/2021 its from navy fcu and i have another one same company for XX/XX/XXXX i recall running my name for XX/XX/2021 however i do not recognize the other two please block and remove from my credit report i tried everything to get this off i called the credit bureau and the bank it came from please remove this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I started my mortgage loan application in XX/XX/2021. It is now the end of XX/XX/2021 and I still have not closed. The underwriter is discriminating against me. I have a XXXX credit score, {$30000.00} cash in the bank, Approved Appraisal, Approved DTI, approved title and now after submitting final conditions, the underwriter has again heaped upon me new " catch 22 '' conditions that have nothing to do with the loan. The underwriter demanded that I have 6 months of reserves in my bank account which is NOT a VA loan guideline. I complied and now the underwriter has come back with ridiculous requests that are NOT VA loan requirements. The loan is only {$140000.00}. This is criminal and bigoted to treat people this way. Navy Federal has dragged this process out to approx. SIX MONTHS! Unsatisfactory. I am a XXXX Veteran who is qualified for this VA loan, and I am being denied from closing on it. I am now having to go to another lender after SIX MONTHS with Navy Federal Credit union stringing me along, discriminating against me and not closing my loan. I have been stressed out for half a year trying to close a simple {$140000.00} loan to no avail. Avoid Navy Federal Credit Union at all costs. I realize that nothing will change, but at least I can warn people of the corruption and bigotry at Navy Federal Credit Union. I will be closing all three of my bank accounts with this corrupt institution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Navy federal credit union is reporting 3 closed accounts from 2013 on my credit report they continue to do so after disputes have been won in my favor. Please stop all reporting from Navy federal CU
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96701
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I purchased a treadmill from XXXX XXXX XXXX on XX/XX/2020. The cost of the item was XXXX. When I received the treadmill it was damaged. I tried to return it and reported the issue the first day it arrived. On the website the company lists that there is a 30 day guarantee return policy. I attempted to return the product for an entire year and for some reason my return was never accepted and even when I disputed the transaction I lost the dispute. When I asked why, I was told by my bank that the information about the 30 day return policy was a new discovery but it was too late to dispute the purchase by the time it was discovered. Due to False Advertising and Poor Clerical Work I was robbed out of my money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V/ GRAVENS ( MO ) 281 SW 715, 719, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE AND SUCH DEBT, IN FACT EXISTS/ FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A