Date Received: 2021-07-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX of XXXX I went into forbearance due to COVID and my wife not working. I received letters this year from Navy Federal Credit Union saying in XX/XX/XXXX my forbearance would end because it has been 12 months and I would have to complete the loan modification, as they said that was the only option. Shortly after signing the loan modification, a friend told me there were two more three month extensions authorized by the XXXX in XXXX of XXXX that Navy Federal did not make an option for me and was an option at the time I was told I had to complete the loan modification. I have asked them to please allow me to utilize the extensions and they said they cant. I explained I was not told of the two three month forbearance extensions at the time I signed my forbearance and should be allowed to use the extension in the Cares Act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96818
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2021, I reached out to a lady who provided me the name of " XXXX XXXX XXXX '' who I saw on a group on XXXX advertising that she was a XXXX reseller. She was very attentive and responded back to all my messages in a timely manner, so i figured she was reliable and since others were confirming her work I ended up purchasing XXXX custom XXXX XXXX from her that came up to the total of XXXX through my bank via XXXX. I reached out to her via text from the number she provided to confirm her name and info since the name she provided was different from the name I was seeing on XXXX. She told me that she went by her middle name and everything was fine, I didn't think anything of it since I myself go by my middle name. I sent the money. In the days following, she still kept in communication with me via XXXX telling me she was getting started on them and that she would keep me updated. On XX/XX/XXXX she wrote me saying that there was a delay in one of my shoes and asked me if I minded waiting for all of them to be shipped out at once verses her making two separate shipments, and I agreed. On XX/XX/XXXX, I saw she was selling some more Nikes and decided to purchase those as well, so I made another purchase for 5 more shoes totaling XXXX through XXXX again. She confirmed the funds yet again and said she would send them as soon as she could. During this entire time we had been in constant communication via XXXX messages and text message. By XX/XX/XXXX I realized I had heard nothing from her about the first order nor the second so I messaged her, no response. On XX/XX/XXXX I texted the number that I had for her Asking what was going on because I hadn't heard from her still, no response. On XX/XX/XXXX I texted her again saying If I didn't hear back from her I would dispute the charges with XXXX thru my bank, yet again no response. Eventually, I reached out to my bank in an attempt to dispute the charges since I realized the lady XXXX XXXX XXXX was a fraud, only for them to tell me they don't refund those charges. I was unaware that, that money wouldn't be covered by my bank even though it was clear I was scammed out of my money. Navy Federal still declined to open up a case for those funds even though I told them I could provide the necessary proof to show I had been scammed. I am out of XXXX from a woman who portrayed herself to be a shoe salesman. I attempted to file a police report against this woman but have since been blocked on XXXX and no longer have a picture of her, nor did I have the original XXXX messages so they advised the only thing I could do was file a complaint. I do still however have our text messages to show the message exchange we've had for proof.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
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 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 {$1000.00} 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: 33055
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got these accounts that does not belong to me and i want them to be remove from my credit report. 1. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 2. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 3. Identity Theft NAVY FCU Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On or about 4 months ago my navy federal account was closed for no apparent reason. When I called to ask what happen they wouldn't give me any information as to why my account was closed. Mine you I never used the account I just made my initial deposit and let it. Now my accounts closed an I don't know where my deposit went. Navy federal still send me a statement which make zero sense and won't let me access my account. As the consumer I demand answers and my account and deposit be reinstated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Navy Federal Credit Union continues to report a paid off car loan on my credit report as late. I've tried to dispute the transaction thru the credit bureaus and directly with the company but to no avail. The car loan was opened XX/XX/XXXX and paid off in XX/XX/XXXX. The loan was included in my bankruptcy but I kept the car and continued to make payments until I paid it off. I was never late on this loan and it's still reporting as such.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On several occasions my credit was ran without my permission. I do not hold any accounts with the following creditors. Please remove immediatey.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
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: XXXX charged me {$390.00}, no knowledge of the transaction, disputed with NFCU, and provided a statement no further information can be provided. However, they still closed the claim, claiming no error has been found.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I applied for job on XXXX for an XXXX XXXX position for a school. The listing was taken off the website, so I figured someone took the position, however, a person named XXXX emailed me and said she would send my email to a partner for a XXXX XXXX job. The job described that I would be running personal errands and the money would be for donations ranging from foster care to invoices to colleagues. We exchange information and the partner of the school said I was to start the following week, which was the week of the XXXX of XXXX. On the XXXX, the first purchase was for a XXXX XXXX XXXX for XXXX, and yesterday for a XXXX money order which was split into 3 orders : 2 for {$1000.00}, 1 for XXXX. I got an inkling to check my bank account, only to see it was overdrawn. I called my bank and they notified me that the check bounced. I did further research to see if any other XXXX XXXX jobs had the same format of wanting to have people be XXXX XXXX for approx, 30 hours per week and for a set price per week, and for helping donate to foster care systems, to which I found plenty. I also went ahead called the school district, XXXX XXXX XXXX to verify if they were the ones who hosted the job listing, to which it was verified they did not, but they did have it for a XXXX position which has already been filled. I went to the bank Friday with photocopy evidence of our exchange to show that I truly thought it was a legitimate job offer, and that I wouldn't deposit a fake check as a member who just got my account out of the negative due to being homeless and unemployed. My bank will not reverse the funds, even though the representative I spoke to Monday inspected the check, and a different representative I spoke to Friday stated that this was a " common thing '' that happens, which I found odd because why not place proper protocols for people who are innocent so they won't be at risk?? The money orders were sent to an address in XXXX, TX, which they may not be at anymore. They money orders also have serial numbers to the which I have, AND I sent an email to XXXX card balance right now, as well as forward emails of the listing and the exchanges. I've filed a police report, FTC, Internet crime report, USPS, the whole nine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77581
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My report is showing late payments for XXXX, XXXX and XX/XX/2019.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A