Date Received: 2021-06-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2019. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Navy federal credit union made me purchase insurance separately. This has become fraud on behalf of navy federal credit union for willfully concealing this information that Truth-in-lending states in 15 USC 1605 ( c ) Property damage and liability insurance premiums included in finance charge. Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Navy Federal Credit Union is reporting an account to XXXX and XXXX that is not mine. I was not liable on this account and was only an authorized user. The account has since been closed. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX XXXX XXXX To Whom It May Concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 deragatory information provided. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Consumer disputes this account information Medical Subject has not satisfied debt. This letter is being sent to you in light of the notification I recieved from your organization and more importantly, because of your erroneous reporting to the credit bureau { s }, the highly adverse effect on my own credit report. Please be advised that this isn't refusal to pay, but a notice pursuant sent according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } That your case is disputed and validation is requested. This isnt a request for " Verification '' or proof of my mailing address, however a request for VALIDATION made according to the above-named Title and Section. I deferentially request that your offices provide me with competent proof that I have legal obligation to pay you. It would be ideal if you provide me with teh following : * What the money you say I owe is for : XXXX Explain and show me how you calculated what you say I owe : *Provide me with copies of any papers that show I agreed to pay what you state I owe : *Provide a verification or copy of any judgement if applicable : *Identify the original creditor : *Prove the Statute of Limitatiohns has not terminated on this account : *Show me that you are authorized to collect in my state :
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I noticed several violations against me as a federally protected consumer. These violations appear on my consumer report and are a violation to me as a federally protected consumer, I the original creditor did not give navy federal permission to close my credit card and this was done without my knowledge I demand navy federal provide me with a new credit card and new account number with access to the credit line I previously had seeing that these balances have been paid in full I should be granted access to the available credit I allowed navy federal to extended to me. I demand that navy federal update all of these accounts as paid as agreed and remove any negative reflecting information regarding these accounts ie remove all late payments as remedy for the violations against me as a federally protected consumer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Pursuant to the FCRA, as a consumer, I would say accuracy is the measure of value ; value is something only a natural person or human being can measure. Fair to me means no one is taking unjust advantage of another. In summary, my thesis is when congress talks about accuracy and fairness, theyre asking me as a consumer to decide whether my consumer report is valuable to me ; and whether I feel like I am receiving a just advantage or no one is taking unjust advantage against me. I have reasons to convict Navy Federal Credit Union of taking unjust advantage against me on XX/XX/2021. The most important thing about the adverse action section in the Fair Credit Reporting Act is that it never mentions a denial of credit. It only mentions being denied for insurance or employment. Why doesnt it mention being denied for credit? The answer is in Truth In Lending Act. Let me explain. I know there was a finance charge involved in the transaction which is the sum of all charges. I can not be denied credit because I know that I have an open end credit plan, which I administered and extend/originate myself credit to make them a creditor to extend me my own credit. I am the consumer and only a natural person grant such rights. This is why adverse action does not mention being denied for credit because Congress knows the truth, financial institutions dont loan money because there hasnt been any in circulation since 1933. According to 15 USC 1681m ( C ) ( ii ) ( I ) Information referred to in subparagraph ( A ) - does not include- information solely as transactions or experiences between the consumer and the person furnishing the information. They are found to be in violation labeled exhibit A. This is not a request, I am granted the right to credit under my open end credit plan which I am administering. I am giving my command to increase the credit limit on my XXXX card. Best regards
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: My husband and I bank with navy federal. We recently sold out house and receive a {$2900.00} check that we cashed on Sunday XX/XX/XXXX and we called on XX/XX/XXXX to make sure the funds were going be receiving the funds because we have car payments that were coming out soon. They said it should come out between the time frame of XXXX to XXXX standard time that night. We wake up on Tuesday XX/XX/XXXX with our account negative {$5500.00}. We instantly called the bank, my husband called before I did because he has XXXX and I was asleep. But, the lady on the phone with my husband wasnt comprehending there was no way our account was negative that much and she basically told me husband to control his spending. He told her theres no way with the payments we recently made that our account would be negative {$5500.00}, the lady finally found the issue and it was because of our check, she had informed my husband that the check was on a hold a due to the mortgage company sending a confidential message to not release the funds so as soon as I heard that I got on the phone with the mortgage company and they had no idea what this lady was saying, they read the check number off and even said they should not be having issues with the check. My husband gets very upset with the lady because how are we getting penalized for a check we cashed and they are the ones putting the hold on it. How is our account negative because of that. So she winds up transferring her to the manager and the manager basically told us there is nothing we can do. They wouldnt let us know what the confidential message was about even though it was about our account and our check. All together my husband and I are going to pay off all our loans and transfer banks because we have pills and car payments coming out and now our credit is going to get messed up because navy federal can not release our funds and can not give us a very good reason on why not because the reasoning changed 2 times with the female and then 2 times with the manager. We have had nothing but issues with this bank and we are done. We do not recommend banking for a with navy federal they claim they help the troops but couldnt help my husband at all. ( He is XXXX XXXX XXXX )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Closed on loan XX/XX/2021 and Navy federal credit union have not sent me payment booklet to make first mortgage payment due on XX/XX/2021. They refuse to talk to me over the phone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30233
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Navy Federal Credit Union wrote me a letter dated XX/XX/21 stating if I would pay them {$1600.00} they would settle my credit card debt with them ( attachments included with this complaint ). Navy Federal stated upon completion of the settlement they would send me a letter confirming the settlement of the account and no further collection activities will occur. Navy Federal also stated they would update the credit bureaus with the new information. I paid Navy Federal the amount they requested and they continued collecting on the account which you will see in the attachments. I've received 2 collection notices so far and my credit bureaus have not been updated showing settled. Navy Federal actually added lates to all the credit bureaus, including XXXX and XXXX XXXX. My credit has been harmed because of this and I have been denied credit because of XXXX XXXX 's deceitful tactics. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2021-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I contacted Navy Federal on numerous occasions advising them of my situation where due to Covid what has occurred. I also advised them that they charged me excessive service fees, and international fees that I was not aware of as well and requested a waiver I noticed that small amounts would be charged a {$29.00} fee over the past few years I have paid Navy Federal over {$10000.00} in excessive banking fees and request for a waiver to get at least half of these excessive fees back. I have called numerous times to get a waiver for the excessive fees only to be told I am not eligible I would have to argue with the attendant to get a supervisor just to get a partial reimbursement and advised them that my father had a XXXX XXXX and I was unaware of the fees that would be charged the rep was very rude and refused to assist me in getting a waiver. During the entire COVID I was not given any assistance to get any help even after numerous attempts to resolve my checking account and credit card and Line of Credit so that it would not be in default. I am still waiting to hear back from the credit card department to get a suitable payment plan on my credit card and line of credit. I am trying to resolve this but unfortunately the people they have answering their phones do not want to help nor assist their is a very long waiting period to get to anyone on the phone and when you do get them you are disconnected and have to start all over again and this time with a rep who could careless and want to get to the next call.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-13
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Last onto l, Navy Federal Credit Union seized funds out of my account in the amounts of XXXX from savings, and XXXX from checking. I had no idea I had the debt because in speaking with themselves day after day, I was told there was a cease and desist by an attorney XXXX XXXX. XXXX is my VA attorney. He has no other rights to do anything with my accounts. I was also informed that I called them and told them to cease. I never would have done that as I know there would have been no settlement letter sent. My attorney also changed my address to his about XX/XX/2016. I asked Navy Fed for the returned mail as he moved and thats when I found out about this cease and desist document that I never permitted. I want my money back because I never got any letters from them. I should have the right to a settlement that I can afford.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A