Date Received: 2021-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Navy Federal is a Corporation that continues to pursue an allege debt that I've requested a cease and desist. They are reporting the debt to all three consumer reporting agencies. XXXX, XXXX, and XXXX without my authorization which is considered identity theft according to Federal law United State Code. Also, XXXX XXXX you have ask for my social security number for fraudulent purposes is a felony pursuant to 42 USC 408 ( a ) ( 8 ) ( 9 ). You closed my credit account without my permission and according to 15 USC 1602 ( p ) The term '' unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Also, according to 15 US Code 1611- Criminal liability for willful and knowing violation. Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( A ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more that {$5000.00} or imprisoned not more than one year, or both.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95205
Submitted Via: Web
Date Sent: 2021-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-22
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: on Friday XXXX XXXX XX/XX/XXXX, I receive a call from my lobby saying a unidentified gentleman is here to " repo '' my vessel. I let them know Im on my way down to see what the matter is as well as who this main is and what he claims. The receptionist then tells me he has already trespassed on the property to private storage of my vessel. He does not disclose how he is or who he is representing, later validates he is contracted with NAVY FEDERAL CREDIT UNION.Showing only an order with my personal sold information and dwelling. I decided to call the police ; as we went over these matters, the man proceeds to trespass into car storage with tow truck. After standing my ground to my proven claims, he then leaves as well as XXXX Police this man nor company has any contracts with myself nor this vessel. I still have not received a response from CEO XXXX XXXX or Chairman XXXX of NAVY FEDERAL CREDIT UNION. I feel threatened as well as pain from the injuries this man has caused. Under FDCPA 809B,806, and 807 they have violated my consumer rights and rights under the Articles of Confederation. In addition, using harmful and illegal debt practices under 15 USC 1692. I am handling all civil affairs as needed but I will not tolerate this. XXXX XXXX XXXX this same man is snooping around the property.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2021 I was made aware that checks that I wrote from my XXXX XXXX account on behalf of my non-profit organization, the XXXX XXXX XXXX, were stolen out of a blue postal service mail box in my neighborhood on XX/XX/XXXX, altered, and cashed for fraudulent amounts. While I have only ever written checks to Farmers Market vendors from that account for small amounts ranging from {$5.00} to {$150.00}, the following transactions were approved by Navy Federal Credit Union as they were deposited into accounts in that bank : check # XXXX to XXXX XXXX for {$900.00} check # XXXX to XXXX XXXX for {$950.00} check # XXXX to XXXX XXXX for {$950.00} It is very clear from the check images that my original signature was not used and that they were tampered with. I filed a police report with the XXXX Police ( report # XXXX ) and the police confirmed there have been many cases of this fraud happening and I was not a singular case. I also filed a report with the U.S. Postal Service Inspector General, and filled out a fraud/forgery investigation form with the bank. The Postal Inspector 's information is below : XXXX XXXX Postal Inspector - Mail Theft U.S. Postal Inspection Service Washington Division XXXX ( Desk ) I have asked about the status of having my stolen funding of {$2800.00} refunded back into my account so I can fund my farmers market operations, and XXXX keeps informing me that I need to have some further evidence of what the original amounts on the checks had been before Navy Federal Credit Union will reimburse XXXX, and then XXXX would reimburse me. I have told XXXX that my records show that I wrote the checks in alphabetical order ( 9 were stolen and only 3 were deposited ) and that would mean the original amounts and payees were as follows : XXXX 's XXXX - {$92.00} - XXXXXXXX XXXX XXXX XXXX - {$10.00} - XXXX XXXX XXXX XXXX XXXX - {$10.00} - XXXX All of vendors confirmed that they never got the checks I had originally mailed them. But Navy Federal Credit Union is telling XXXX I need more evidence, which I simply can not produce because I wrote the checks quickly and did not mark them in a check register. XXXX believes that NFCU is asking for " unreasonable evidence '', which means they want an image of the check before it was altered. Why would I have that? Do people regularly take pictures of checks before they put them in the mail? I need help pushing this forward in order to continue to fund my farmers market operations and it seems to be at a standstill where Navy Federal Credit Union does not want to pay for the fraudulent account that they held for XXXX XXXX XXXX XXXX ). I believe other evidence would be to look at all other checks I have written on behalf of the market to review handwriting as well as notes - I have never written a check for " Labor, '' for example, and XXXX XXXX XXXX XXXX XXXX is not employed by the XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2021-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This letter is regarding account # XXXX which you claim my account was charged off/collections. Please REMOVE this account to on all 3 Credit Bureaus ( XXXX, XXXX and XXXX ). This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This letter is regarding account # XXXX, which you claim my account has 2 late payments. Please update this account to CURRENT AND PAID on all 3 Credit Bureaus ( XXXX XXXX and XXXX ). I am a XXXX XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Today is the XXXX of XX/XX/2021 and navy federal has generated my closing statement for the XXXX. I made a payment today that will not be included in my payment statement even though I made it a day early before the actually closing statement day. I was told ( when speaking to an employee of the bank ) that the closing statement was produced on Friday which was yesterday the XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: Got a scam through XXXX XXXX used a cousin of mines page! Said she got a wonderful Grant Through the catalog a federal domestic assistance, Then said they can help me! Which I feel like a XXXX and proceeded! Scammers name went by XXXX XXXX Phone number on that is XXXX anyway wired money A name XXXX XXXX through my bank to a company called the navy credit union @ XXXX XXXX XXXX XXXX, XXXX XXXX, CA they were Notified The credit union there in XXXX XXXX stating that the XXXX XXXX who I wired money to was a scammer. dates that money was wired to were XXXX & XXXX Called my bank said there was nothing they can do same with the Navy credit bureau in XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60515
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I was pre-approved, signed documents, and picked up a payment voucher for an interest rate of XXXX for 60 months with Navy Federal Credit Union for a new automotive purchase up to {$35000.00}. The pre-approval did not specifically state it had to be a car. After I purchased the motorcycle, I got the finalized loan documents stating my interest rate now jumped from 2.69 % to 8.90 % for a loan amount of {$27000.00} and my monthly payment jumped from a little over {$400.00} a month to {$580.00} even though my documents show 2.69 % and I did not agree to or sign any paperwork for 8.90 %. I called Navy Federal and they stated since I bought a motorcycle and not a car the 8.90 % was the best they could give me. Now I am stuck with a loan at a higher percentage with a monthly amount that I can't afford and I can not return the motorcycle to the dealership. This puts me in financial hardship that I did not create myself. This is very misleading and fraudulent behavior from the credit union to provide you approval and have you sign documents agreeing to a lower percentage then later having you involuntarily commit to paying a significantly higher interest rate for their profit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XX/XX/XXXX @ XXXX. I reached out to the company to inform that I had lost my job due to COVID-19 XX/XX/2021. I wanted to be proactive before my payments were late. I explained I had been doing XXXX XXXX and XXXX until I found another position and unfortunately had to max out my credit cards to stay afloat. I informed I had found a position but won't get my full paycheck until after XX/XX/XXXX and asked for the payment to be pushed to XXXX. The first representative was extremely rude and lacked empathy. She offered a repayment plan which would have cost me more interest instead of the extension. I have never been late on my payments even when I lost my job I still made sure my navy federal debit was taken care of but with my wife the only one working we are starting to lose footing and I turned for help but the representative treated me as I was asking for too much by skipping two months. I requested a supervisor so that I would not be rude which was a dead end as the supervisor hung up on me. When I called back he then refused my call stating he was in a meeting. The 2nd representative was a little more empathetic and gave me an extension until XX/XX/XXXX but that still doesn't help my situation just puts me in a more stressful one since every XXXX I make will be put on the debt and I will be without money until the end of the month. This is not how I envisioned being a member and needing help. It was already a struggle to go from making XXXX per year for something out of your control to driving XXXX and XXXX just to stay afloat. And to be treated that way is disheartening when I wasn't in collections.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Thank you for taking the time to help out with this matter. I have been a NAVY FEDERAL CREDIT UNION member for more than 5 years and It saddens me that I may need to close this account due to my human rights and as a consumer, infringed on. I have asked NAVY FEDERAL to provide me with my ORIGINAL negotiable instrument, yet I was sent copies. I have sent a NAVY FEDERAL number certified letter, with return green slips. All have come back ; still no response. The goal was to find, verify and validate my current agreement, making sure I am paying for something that is not a tax or interest incurred, or my contract being sold days after my purchase. My negotiable instrument has been destroyed confirming with a NAVY FEDERAL representative phone call in XX/XX/XXXX. I have waited longer than three months for a response. While I wait, I still am faced with damages considering fraudulent reporting to creditors, stopping any transaction that needs my credit report. NAVY FEDERAL continue willingly ignore me, FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220, to not update inaccurate information on my act and to third party credit bureau 's, failed to respond to ALL of my letters, FCRA Section 611 Part ( A ) ( 1 ), and continue to misrepresent themselves and power. FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX. Under 15 USC 1692A, B, C, D, E, F, G, AND, J were broken. All in all, as a consumer my rights are still being infringed upon, my financial standing has taken a toll for now the worst due to this negligence.NAVY FEDERAL continues to claim they are the true lien holder, I have claims and evidence that I have no liens against my name. The solution I am demanding is back pay of lost finances, taxes, and interest incurred on my name from trades on my name, total closing of my account as well as my vehicle loan. on said account or totaling my loan out to XXXX $ as well as refund of all taxes, interest, incurred from trading on my name, IMMEDIATELY. I thank you for your time. XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A