Date Received: 2021-07-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a covid-related mortgage forbearance, approved by my lender ( Navy Fed Credit Union ), for the past year. They modified my loan at the end of the forbearance, and XX/XX/2021 is my first payment after the end of forbearance and modification. On XX/XX/XXXX i got a notification from a credit monitoring service that a negative item had appeared on my credit report. I logged in to check, and the negative item is from Navy Fed, stating that my mortgage account is more than 120 days late. I called Navy Federal about this, and they gave me the runaround, telling me " there is no one to talk go about this, we don't do anything with credit reporting, it is all automatic. '' She also told me that it is my job to dispute it with the credit bureau. I want a guarantee that if i go through the time and effort of disputing this one time, it will stick, and it won't keep getting reported incorrectly as delinquent every month. Navy Federal made the mistake, and I think they should be held accountable for fixing it, not me, but they were unwilling to help when I called so I am reporting it here.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85213
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2021 I received a financial account monitoring notification from XXXX that stated that an account was opened under my name at NAVY FEDERAL CREDIT UNION on XX/XX/2021. This was not initiated by me. I called the bank to put a hold on the account. I have contacted XXXX and XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 16506
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company NAVY FCU was notified in that I have not done business with them or opened an account. The account was removed and in XXXX a new account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : NAVY FCU - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I Applied for a credit extension for a vehicle loan and was immediately denied. Then I was sent a letter in the mail as to why which displayed clear contradictions and invalid reasons as to why because I can not be denied as the original creditor in the first place.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 60 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had a joint owned CD with my husband with navy federal credit union. He closed the CD without my knowledge and NFCU transferred these funds into his acct at NFCU of which I was not a joint owner.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Two credit accounts with the Navy Federal Credit Union, referred as NFCU from now were charged off port-divorce. One account ending on XXXX is a Car loan, and the account ending on XXXX is a Personal Loan used for the purpose of home improvements. Both accounts were entered in a settlement agreement for 80 % of the balance with account ending on XXXX been paid off and settled. NFCU continues to report account XXXX as a mortgage loan when it is not, and also hasn't updated the balances on the 3 credit bureaus according to the new amounts on the settlement agreements. All the necessary steps has been taken to dispute the information with the 3 bureaus, as well as with NFCU, in many occasions, however the company continues the practice of erroneous reporting. The account in reference XXXX is not related in any manner to my property, or any liens are against my property as consequence of it. This is causing my inability to rebuild my credit and have fair credit opportunities, affecting my professional career and my family as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: The Navy Federal App shows that I have open to buy. Yet, my statement shows nothing open to buy. Navy has no answer as to why there is a discrepancy. Considering more people are using apps instead of a desktop/laptop, one would expect consistency. Technically the app is showing me incorrect information. Also, because Navy didn't like my credit score when the card was due to be reissued ( score much higher now ), there was no new card reissued. I can't set up payment reminder alerts either so is Navy hoping that I'll forget a payment?? It appears that way. My spouse has had the same issue as I with Navy Federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Other service problem
Subissue:
Consumer Complaint: On XX/XX/2021 a Navy Federal Credit Union representative would not process my domestic wire transfer to my Daughter for her upcoming Hawaii vacation. The initial representative that I gave all of my information to, said she would place me on hold & gather paperwork to proceed with my wire transfer. She transferred me instead to a Supervisor who stated that I never transferred money to my Daughter. I told them that this was my 5th or 6th time doing it. The supervisor didn't believe that I have processed a wire in the past. After a third degree 30 min conversation the wire was finally processed. This is the worst customer service I have ever experienced with Navy Federal Credit Union.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am filing an complaint against Navy Federal Credit Union due to the following message I sent to them concerning overwhelming conditions : Navy Federal I am receiving messages concerning overdrafts by mail and email. I have direct deposit so your funds will be reimbursed to you Navy Federal. I wish you were this informative when you stated I owed a credit from the stimulus check on XX/XX/XXXX that I was charged for in XXXX. I never got a phone call nor did I see this credit appear in my account. Also you Navy Federal had a representative call me on a Saturday. This is illegal look it up for yourself. I am tried of the harassments from your agency this is unnecessary. You sent me a letter about the overdraft but didn't give me the same respect about the credit you claimed I owed around XX/XX/XXXX. Shame on you Navy Federal you will reap what you sow. Somehow poor and certain races always get attacked by companies and businesses such as yours I am so regretful that i joined your agency as a member.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A