Date Received: 2021-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I the natural person XXXX XXXX received a letter from XXXX XXXX that I owed a debt of {$16000.00}. I have never done any business with XXXX XXXX and according to the FDCPA these are violations to my consumers rights. I have a written down the violations and mailed an invoice of {$1000.00} for each violation which is my right according to 15 USC 1692k civil liability.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called Navy Federal Credit Union Dispute Department to pay {$680.00} but before I made a payment, I told them I wasnt going to pay until they removed the entire account off my credit report on XXXX, XXXX and XXXX which they agree and they would send a copy to my address that I paid and it was going to removed off my credit report. The phone called was recorded. After a month, I got a letter saying the loan was resolved but nothing that it was going to be removed off my credit report like they initiated on a recorded phone conversation. when I check my credit report the account was still on there which they lie.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been disputing several accounts with XXXX XXXX, XXXX XXXX XXXX, and Navy Federal Credit Union that are negatively reporting on my credit reports. I have requested debt validation statements and information in writing showing that I owe a debt with the companies in question and the debts legitimacy with proof of signed contracts agreeing to the debts, and statements showing I personally accrued the debts and if the companies in question can not furnish all documents proving the legitimacy of the debts to the three major credit bureaus and myself via USPS certified mail with the companies in question or to have these accounts removed from my credit reports. And have no future reports to my credit from the companies in question. All request have gone ignored and not furnished from any of the companies in question. I have also disputed the inaccuracies with the three major credit bureaus and they have no removed the items. As of today XX/XX/2021 I spoke with a XXXX representative and I was told a creditor can report whatever they want to my credit without supplying any information of the debt being legitimate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53083
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I called into Navy Federal on XX/XX/XXXX to pay my balance in full on my credit card ending in XXXX because the due date is XX/XX/XXXX and I wanted the card to report paid in full to have a positive impact on my score. The representative informed me if I did so it would be because it would report on the due date and Federal Trade Commission would be closed over the weekend and holiday so any transactions over the weekend would be reported and have an effect so I did and we made the adjustments to do so. I paid up the {$1000.00} balance and some to cover any over flow that was pending at the time. Over the weekend I use the card as I was advised doing so would not have an adverse affect because I clearly wanted to know on what day to pay on to and Navy Federal Credit Union would report my card to the credit bureau so I know on that day I could pay and the union would report as such. Well was misinformed or the credit union for what I see has clearly reported false information to the bureau because the balance was XXXX with a credit when I paid on that day. XX/XX/XXXX when I pulled my credit report Navy Federal Credit Union showed a balance update on XX/XX/2021 of {$300.00} and has refused to correct ever since and allow me to speak with the Vice President regarding to make the change.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have extended my credit in good faith as a consumer to Navy Federal Credit Union. I have the right to extended and rescind my consumer credit by federal law. I wish to continue to exercise my consumer rights and help further the economy with in the Corporation of the United States of America through fairness and legality. I have inquired multiple times about a credit limit increase and have be denied but by federal law the consumer Must not be denied an extension of his/her own open ended credit plan. One non living corporation can not tell the living man in trust over his corporation how to handle his open ended credit. As the credit card issuer, NFCU has been sending false payment charges on this account account, to which I am the original creditor, with a positive balance. It should reflect a negative figured balance in any billing documents. This is a misleading tactic on the overall education to consumer credit usage and their further education, as well as a detriment to economic expansion and development, according to Congress. I demand NFCU produce an original consumer agreement and they haven't done so, I demand that my consumer rights be met and we can carry on with our great commercial relationship. I am the original credit of this account, the natural man, in trust, the consumer doing business in commerce. Please respect the federal codes and promptly respond. I dont want to be a litigious consumer. Below are a list of Federal Codes NFCU has violated : 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 15 U.S. Code 1644. Fraudulent use of credit cards ; penalties ( a ) Use, attempt or conspiracy to use card in transaction affecting interstate or foreign commerce Whoever knowingly in a transaction affecting interstate or foreign commerce, uses or attempts or conspires to use any counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card to obtain money, goods, services, or anything else of value which within any one-year period has a value aggregating {$1000.00} or more ; or ( b ) Transporting, attempting or conspiring to transport card in interstate commerce Whoever, with unlawful or fraudulent intent, transports or attempts or conspires to transport in interstate or foreign commerce a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained credit card knowing the same to be counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained ; or ( c ) Use of interstate commerce to sell or transport card Whoever, with unlawful or fraudulent intent, uses any instrumentality of interstate or foreign commerce to sell or transport a counterfeit, fictitious, altered, forged, lost, stolen, or fraudulently obtained ... Facts ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. 15 U.S. Code 1637 - Open end consumer credit plans ( a ) Required disclosures by creditor Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : ( 1 ) The conditions under which a finance charge may be imposed, including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge, except that the creditor may, at his election and without disclosure, impose no such finance charge if payment is received after the termination of such time period. If no such time period is provided, the creditor shall disclose such fact. ( 2 ) The method of determining the balance upon which a finance charge will be imposed. ( 3 ) The method of determining the amount of the finance charge, including any minimum or fixed amount imposed as a finance charge. ( 4 ) Where one or more periodic rates may be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: RE : Navy Federal Account Number XXXX I am listed as an authorized user on an account with NFCU. ( Account number XXXX ) This account was owned by someone who is now deceased. As such I would like to be removed as an authorized user as I am not the responsible party.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23502
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, I want to report a Hard Inquiry on my Credit Report that i dont recognize. The Hard inquiry was done XX/XX/2021 by the company below : NAVY FCU Location XXXX XXXX XXXX XXXX, VA XXXX I did not apply for a loan or open a new account with this company and do not recognize what this is. Someone has access to my information and i would like to report it. Please tell me the correct steps to get this fixed. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2021 I submitted an application to Refinance an existing mortgage that was under my fiancs name, ( he passed a away so I needed to assume the loan ). Every single contact I received from them requesting Documents or information was answered in a timely manner with accurate and requested information. I received a conditional approval at 2.5 % on XX/XX/XXXX. I contacted my processor and various times to make sure I understood what was needed. I submitted all requested documents. My mortgage payments for XXXX and XXXX were on auto draft thru the same bank. On XX/XX/2021 I called my processor because I had not heard from anyone. I was then informed that my loan was canceled at my request on XX/XX/2021. I never received a call from Navy Federal, I have no record of any call in my phone records or emails. They stated that I requested the loan cancelation due to not being able to make the monthly payment for XXXX. My Loan payment was set on auto draft from the same institution. The payment cleared the same day as every month. I signed a form with date of auto draft request ( Page 3 of the Initial Loan Packet, Easy Pay Authorization. They proceeded to tell me that I would have to re apply for the loan and my 2.5 % would not be held. This is a complete violation of my security with Navy Federal. I never spoke with anyone regarding cancelation of the mortgage refinance, my cellphone should be the only contact number they have on file. There are no missed calls or accepted calls from Navy Federal on XX/XX/2021. I do not know who they spoke with and what verification process they had to move forward with that request.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76110
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A