Date Received: 2021-08-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX which you claim I owe {$21000.00}. By not replying in a timely manner to my initial letter on XX/XX/2021, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Recently, we have applied for a mortgage with Navy Federal Credit Union. The loan officer did not communicate with us at all until we called NFCU. She was unfriendly from the moment we were on the phone ( all phone calls are recorded and should be available for a review ). We have requested a rush appraisal order. However, the appraisal has delayed unreasonably. We would like to have some evidence ( email, fax, phone calls ) that could prove the loan officer has communicated with the appraisal company and put a rush appraisal order on time. Since the appraiser has completed the job on XX/XX/XXXX, it did not make sense to have more than a month delay in the appraisal report. Another issue occurred exactly three days before our closing date ( XX/XX/XXXX ). The underwriter addressed an alert regarding SSN in my wife 's credit report, requested an SSA form, and suspended her for a fraud. My wife received her SSN after graduation ( issued on XX/XX/XXXX ) and started her OPT. Also, she received her XXXX XXXX from the XXXX. We strongly believe considering a wrong alert from a credit report company over the XXXX clearance process is controversial. In addition, the underwriter asked for a XXXX XXXX renewal from my wife as the underwriter did not have enough knowledge about the US immigration laws and system. Interestingly, the underwriter had weird document requests during the process such as remote work authorization from my wifes company during the pandemic that most of us work/worked remotely including the NFCU staffs. Yesterday, the supervisor explained that the underwriter and the department followed the guidelines. We have kindly requested a copy of the guidelines for our review. However, the supervisor declined to provide the document. We would like CFPB to receive and review the guidelines regarding SSN and XXXX XXXX renewal in NFCU mortgage processing. The loan officer, her supervisor, and the underwriter hurt our dignity and put too much pressure on us. Our dignity is priceless and is worth more than the mortgage amount ( XXXX, with XXXX DP ). The NFCU staffs mentioned above hurt our dignity nonstop since we applied for the mortgage by delaying, mistreating, and asking for unreasonable documents. We have been patient enough until NFCU suspended my wife and our baby as a fraud which is unacceptable under the flag of the United States. We sincerely request to receive the documents mentioned above to prove that the mortgage application has been processed fairly and thoroughly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2021 I recognized that my credit was being used and there was unauthorized hard inquiries on my credit report from someone attempting to obtain credit in my name. I have filed a police report, and sent a formal letter to all three credit bureaus stating that I was victim of identity theft and fraud. I also placed a fraud alert on my credit. XXXX was able to remove all of the inquiries, however, when I contacted XXXX and XXXX on XX/XX/2021 they refused to remove the unauthorized hard inquiries even though I mailed in a dispute letter with a police report attached. I am very furious because these fraudulent inquiries have hurt my credit and I am now not able to even apply for anything myself because the inquiries dropped by score 50 points. There are 7 inquiries on XXXX and 5 on XXXX that I need removed immediately. The companies involved are Navy Federal, XXXX XXXX, XXXX XXXX, XXXX, and XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I Consumer XXXX entered into a consumer credit transaction with Navy Federal on XXXX XXXX. This consumer credit transaction arose from my credit card. 15 USC 1601 defines a Credit card as any card, plate, coupon book, or other credit card device existing for the purpose of obtaining money, property, labor, or services on credit. The Credit card that was used for this consumer credit transaction was my Social Security Card. My Social Security card/ number belongs to the Social Security Administration and anything purchased with my Social Security Card is the obligation of the United States XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: please review the following accounts that appear on my credit report, without any authorization, they are not mine, it is hurting me Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 3. Identity Theft NAVY FCU Account Number : XXXXXXXXXXXXX**** This is not mine. 4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 4. Identity Theft NAVY FEDERAL CR UNION Account Number : XXXX This is not mine. 5. Identity Theft NAVY FEDERAL CR UNION Account Number : XXXX This is not mine. Identity Theft NAVY FCU Account Number : XXXX This is not mine. .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2021-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I entered a consumer credit transaction with this organization and extended them my credit and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. I the original creditor extended them credit and the alleged interest, and insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law 15 USC 1605. They have committed fraud and several violations of the FDCPA and TILA. I never received a Material Disclosure of any of the information about my right to recission pursuant to 15 USC 1635 that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail and i am now enforcing my rights to Cease and Desist Pursuant to federal law 15 USC 1692c. I've included documentary evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not responded to any of my affidavits of truth since XX/XX/XXXX and silence is acceptance, see National Union Fire Insurance Co. v. Ehrlich, 122 Misc. 682 ( N.Y. App. Div. 1924 ). My reputation has been damaged through the credit reporting agencies, this fraudulent loan raised my debt to income ration and i was turned downed for other consumer credit transactions because of this alleged debt on my consumer report. cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My name is XXXX and my mother XXXX is assisting me with writing this letter. On XX/XX/2021 my mom was going out of town and gave me a debit card with {$50.00} on it for snacks. I had my card for a short while before I lost it.. I wrote my pin number on my card because I have a very poor memory. I have a low XXXX and I'm on an XXXX for school. I still have not graduated from high school and I am over XXXX years old. I have an XXXX of only XXXX. I did not tell my mother that I lost my card because I was embarrassed. My mom Nor myself did not know that this card was also connected to my savings. Someone must have found my card with my pin number on it and they took out XXXX XXXXXXXX dollars between XX/XX/XXXX and XX/XX/XXXX. The bank never notified me nor my mother of all the activity going on with my card.. Unfortunately {$4500.00} was taken. I have never given permission or received any money or merchandise from a merchant related to these charges. Navy Federal Credit Union has denied my claim of fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: Good Day, On XX/XX/XXXX I initiated an international wire transfer through Navy Federal. The representative who I spoke with incorrectly used the incorrect SWIFT code, a P was added to the code which has since caused undue hardship on my family. The funds should have been delivered on XX/XX/XXXX latest and as of to date no one seems to know where these funds are. I have repeatedly contacted Navy Federal on the following dates XXXX and today XX/XX/XXXX. No one can give me a valid response other than they are waiting on the receiving bank to respond to their request and return the funds. However, in the meantime I am out of {$6000.00} through no fault of my own. On XX/XX/XXXX I received an e-mail from Navy Federal returning the {$25.00} fee that was charged to me for the wire transfer advising me that they are still researching the lost funds. Please keep in mind this is not my error but the error of Navy Federal in sending the funds to the incorrect SWIFT code. For me to be held responsible for their error seems unfair and not ethical. If one of my employees makes an error on an account I am held liable and must make it right for the customer. The loss of {$6000.00} has now placed an undue hardship on my family as my husband is unable to purchase the equipment he needs to complete his job. I know banks are federally insured and that I have 180 days to dispute my concerns. Again, I do not think it is fair that I am held responsible for something that is not my fault and that is why I am writing to you with my concern in the hopes for a resolution to this problem. I believe I have given Navy Federal ample time to resolve this matter due to their negligence. It does not matter to me how they resolve issues between banks I just need these funds return to my account. Thank you for your time XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Used mobile deposit on Saturday XX/XX/XXXX. I was notified Monday that my deposit would be delayed. They said it would be available after 5 business days from the deposit date. They said the deposit date was Monday the XXXX. They said the check flagged in their system. The amount the check was for was 50 % of what was owed so I collected the remaining balance and cash it at the bank where the check was from with no problem. This wait is causing severe problems for my family. 5 business days would be next Monday making it a total of 9 days after my mobile deposit. Navy federal has been borderline rude in helping me resolve this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2021-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navy federal was included in my chapter XXXX bankruptcy filed XX/XX/2021. That included two credit cards, and the checking account that was negative. Navy federal never sent me any documentation confirming so. My membership is locked out. The original membership was created as identity theft. Yet eventually navy federal gave me access to be able to access the login. Now the login is disabled. The identity theft caused the bankruptcy to begin with after battling with this for over 8 years. I want to be able to reestablish membership with navy federal. What would be required to do so?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75087
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A