Date Received: 2021-08-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On Friday XX/XX/2021 I applied for a loan with Navy Federal Credit Union Mortgage Department and it cost me XXXX dollars to do so for the credit report to be pulled on XX/XX/XXXX. On XX/XX/2021 I was pre-approved for XXXX mortgage I was told to go and find a house so I requested XXXX more to be added to the pre-approval amount to add more buying power in the market at the time and was granted the extra XXXX no problem My Fiancee gifted me XXXX to help with the purchase of the home On XX/XX/2021 I put in a purchase offer on a property and it was accepted by the owner on XX/XX/2021 as a result of that I went into Escrow with the sellers of that property under normal terms. I deposited XXXX in earnest funds which was part of the gift that my fiance had given me Things would take a turn for the worst and I was unaware of what unfolded next until my realtor and his transaction and coordination team made me aware of the situation At first I thought that they were just having normal issues not returning calls or my emails in a timely fashion but when the realty team let me know they were having major issues with them communicating and returning calls or emails in a timely fashion I began to worry on XX/XX/2021 my realtor gets a nasty Email from the loan officer who didn't bother calling me first stating that he needed docs from me asap or I was going to lose out on my home in escrow and earnest deposit so it seems like from the beginning they had a plan that me the borrower was not made aware of. Im appalled because I've gone through this process before and know the steps necessary to complete and properly close on a home loan I was being treated poorly and being left in the dark and taken for a ride financially I did exactly as instructed to do At no time did the lender say that I wasn't qualified for the loan So I reached out to a supervisor to try and speed things up and that angered the person acting as my loan officer he seemed already agitated or stressed and I explained that to the supervisor and she didn't do anything to correct the behavior of the employee and said I'd get the same treatment if even if I switched loan officers which added to the confusion she pledged to communicate better with the realty team and had conversations with them also At this point I had already paid for a home inspection on XX/XX/2021 which cost me {$380.00} Then the Lender also charged me money on XX/XX/2021 {$570.00} for an appraisal almost 3 weeks before it was performed on XXXX XXXX XXXX and had plenty of time to tell me that my loan was in trouble if any or if I needed a cosigner or anything of the sort I was never informed or given the option to make a proper choice in the matter. another 2 weeks go by and they hand my loan off to the processor who had just finished training to be a processor she reached out to me on the week of the closing XX/XX/2021 On XX/XX/2021 the owners signed over the title to me and we still had not received my closing docs to review for 3 days prior to closing as required by the state I am no mortgage professional but i know it doesn't take until the last week of contingency to reach the processor unless they have internal issues that don't affect the buyer So finally on XX/XX/2021 I received a frantic phone call from the loan officer while I was on the job saying they needed more time for contingency and they needed to link another one of my bank accounts in which I agreed to do as soon as I finished my shift that day And they also reached out to my realty team asking for more time which was not a problem we are all thinking the deal is about to close Same Day XX/XX/XXXX they send an email behind my back and the realty teams back to the title escrow company telling them to cancel the title By the time i get home from my shift they declined the loan 24 hrs before scheduled closing without communicating they were not going to be able to give me the loan or anything of that nature they made sure to waste time and in the end I lost out on my XXXX earnest deposit because they failed to let us know they were having internal issues with personnel changes and new policies that I was never made aware of Why did the customer and his family have to suffer? I took off from work the week of XX/XX/2021 thinking that I was going to be moving into my new home and did not return to work until XX/XX/2021 I gave notice to the landlord that I was leaving XX/XX/2021 This has put me and my family in a real bind that was unnecessary My Fiancee and I have children together so not only did this affect us but the kids as well She packed up the whole house and put things into a storage unit with the intent of moving into our new home I witnessed them dropping the ball on every occasion they had to make good communication in a timely fashion with me or my realty team Things like this can not and will not go unnoticed Navy federal has not reached out to me to follow up as of the date of this complaint XX/XX/2021 or offered any remedy I am also a customer on the banking side with weekly direct deposits coming in since I've become a member of their institution
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I am a consumer, natural person and original creditor. A letter was received from XXXX XXXX XXXX on XX/XX/2021 alleging as fact that i owe Navy Federal Credit Union {$4200.00}. No money was given to me by this institution and would like to know where the bank got the money from that they alleged i owed. XXXX XXXX XXXX violated 15 USC 1692b ( 5 ) by advising that they were " attempting to collect a debt '' which 15 USC 1692b ( 2 ) states that a debt collector can not state a consumer owes a debt. Pursuant to 15 USC 1692c ( a ) they sent communication without prior consent and committed identity theft by creating an account in my name without my knowledge. Navy Federal Credit Union is also in violation because this is an invasion of individual and family privacy. Pursuant to 15 USC 1692d ( 2 ) XXXX XXXX XXXX violated me by demanding that i " submit '' or " make a payment '' to them. Pursuant to 15 USC 1692f ( 1 ) that's a violation to attempt to collect a debt unauthorized by an agreement between parties. I have no contract with them nor have i ever done business.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75224
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a mortgage, submitted all requested documents and 2 weeks before closing, new documents were being requested and I was being asked to put a significantly larger down payment. Lender refused to accept my XXXX payments because I could not prove that the payments would counting for 3 years. I was not asked to prove that my wage income was going to continue for 3 years and I believe I was discriminated against due to my XXXX and XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
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: This company is currently showing 30 days late. 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: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I have received several communications by mail from Navy Federal Credit Union, none of which state that they are attempting to collect a debt and have used symbols on envelopes and its contents, which is a violation of 15 USC 1692f ( 8 ). Navy Federal Credit Union is also in violation of 15 USC 1692d ( 1 ), they have reported information to the consumer bureaus that has done harm to my reputation. On XX/XX/2021 I mailed Navy Federal Credit Union an affidavit of truth, a cease and desist, an invoice, and exhibits.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX and Navy Federal Credit has been reporting inaccurate information and have not deleted it. This information is not accurate and it needs to be deleted. After being notified about the errors. The errors are : 1.Navy Federal Credit Union account number on XXXX Corp credit file is inaccurate it does not begin with 5. 2. XXXX Rating key section shows Im 90 days late on XX/XX/XXXX. This is inaccurate because account was closed on XX/XX/XXXX. 3. Account type is inaccurate it shouldnt be revolving on a closed account. Account closed on XX/XX/XXXX. 4.XXXX XXXX has been notified on XX/XX/XXXX about the errors listed above. XXXX has not done reasonable investigation after literally seeing these errors. A copy of XX/XX/XXXX credit report from XXXX still showing errors I'm mentioned above. I will enclosed this document to show both of them being very disrespectful in regards to this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I was traveling somewhere in XXXX of this year and had stepped in a local branch to get some information on how I can prepay my account so I dont end up getting any late fees or reporting on my credit report. One of the team members told me I could prepay the account so I dont have to worry about late fees or negative reporting. long story short, I got a late fee plus nagative reporting even though I prepaid the account. I need the negative reporting be removed off my credit report as I was given the wrong information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent letters to the Navy Federal CEO XXXX XXXX and the XXXX department via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I sent emails directly to the Navy Federal CEO, XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. I have had excellent payment history, but I have two late payments in XXXX that are severely hurting my credit because they are considered recent. However, I have done further research and found that these late payments are inaccurate. I have been begging for deletion since I was admitted into the XXXX XXXX at my local hospital for a severe condition that almost took my life. I could not support my family and while in the XXXX in XXXX XXXX I lost my job. And even still, I was a loyal customer and ever worst according to my records I did make payments for XXXX AND XXXX of XXXX yet they are reporting two late payments that have irrecoverably damaged my credit score I made ACH payment of {$20.00} on XX/XX/XXXX, {$60.00} on XX/XX/XXXX, and {$20.00} on XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. NAVY FCU bal. {$2100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Navy Federal denied my application for a home loan, claiming my credit scored did not meet their requirement, it was reported by XXXX of XXXX. Navy Federal system shows one Credit Score from XXXX and uses a different one for loans. XXXX Credit score does not match with the one they show in their system.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93063
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A