Date Received: 2021-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Navy FTU opened XX/XX/2015 showing as charge-off This account is fully paid off and false and misleading representation and no obligation of mines 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Reason : Identity theft Please remove it from my Credit Report. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} Reason : Identity theft Please remove it from my Credit Report. Account Name : NAVY FCU Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} Reason : Identity theft Please remove it from my Credit Report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91950
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft NAVY FEDERAL CR UNION Account Number : XXXX This is not mine. 4. 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: 086XX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95020
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2021, I had a conversation via XXXX with a local tattoo artist who was promoting their work. The tattoo artist messaged me and asked what I was looking to have done, explained the appointment process, we agreed on a date and time and he provided me with the address to the tattoo shop. I plugged the address into XXXX XXXX and confirmed that it was a valid address, 9.6 miles from my residence. He advised that there would be a deposit of {$250.00} to book the appointment, which is very common for tattoo shops to require deposits when booking appointments. I provided images of what kind of tattoo I was looking for and he confirmed price and that he would be able to do the work. He provided me with his XXXX username as XXXX XXXX and advised me that once I sent the deposit to let him know so that he could begin sketching the tattoo. I sent the money using my XXXX account and advised him that the money had been sent. He continued messaging me asking questions about the tattoo and if I wanted him to come to my house as he does mobile tattoos also or if I wanted to head to the shop. I advised that I would feel more comfortable heading to the shop. I never heard from him again. Around XXXX that same evening, I received a direct message from someone on XXXX advising me to not do business with this person because her daughter was just scammed. She advised me that she noticed I had commented on one of the tattoo artists pictures and wanted to reach out to me to warn me that he was a scammer. She mentioned that he provided her daughter with a fictitious address, asked her for a {$100.00} deposit and then never messaged her daughter back once the money was sent. I reported his XXXX page as fraud, blocked him and reported his XXXX profile as a scam and reported the fraud. XXXX finally shut his account down but it seems his XXXX profile is still active. XXXX has the ability to see how many times this person has been reported as a scam or fraud and should have shut this account down. XXXX also can see the routing and account information or debit card information as to where the funds are being deposited or cashed out to for this user, yet XXXX seems to not care and allow this type of fraud to continue to happen. I called NFCU on XX/XX/2021 and reported all of this information. I was advised that the report had been submitted to their Fraud and Disputes Department for further investigation. Over a week later I called back to confirm the status of the report. I spoke with an agent who advised that the case had not yet been assigned to anyone and to allow additional time for the case to be assigned and reviewed. The agent also advised that they don't typically submit reports to Fraud and Disputes for XXXX transactions due to it being a third party company who debits money from your account. The agent also stated that once the case is reviewed it's very likely it will be declined and I won't be able to recoup my funds because NFCU has no control over XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: 2nd Request - Noticeable 8 USC 1324C recognized : Consolidated Loan APPROVED in XX/XX/XXXX ... amount $ XXXX 14.54 % interest rate. However, NFCU 's calculation of 14.54 % interest rate is more of a 32.33 % interest rate. Total amount borrowed = {XXXX}. Monetary dollars PAID toward Consolidated Loan AS of this date, XX/XX/XXXX TOTAL {XXXX} [ XXXX XXXX XXXX ]. NFCU 'S fraudulent monetary dollar amount remaining to the PAID = XXXX}. HOW? A 14.54 % interest loan? Please REQUEST of NFCU to correct their 8 USC 1324c - Penalties for False Documents,, i.e., NFCU overcharged amortization. {XXXX} - {XXXX} = {XXXX} XXXX w/out added interest ) .... But, NFCU calculation reads {XXXX}. Please calculate@ 14.54 % interest to be {XXXX} ... NOT ... NOT {XXXX} [ per Promissory Note ]. Once recognized and calculated, NFCU was informed ; in turn, NFCU should have CORRECTED their error in calculations. I, XXXX XXXX XXXX, XXXX, should NOT be adding monetary dollars to someone else 's future college loan or savings account. Thanks to ALL in advance. Best Regards, XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I reported fraud on XX/XX/21, which navy federal close the claim in 4 days without fully investigating the claim it was over 50 charges its no way you fully investigate that claim in 4 days
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: NFCU charged my accounts off in XX/XX/2019 to a brocker/pllc collection company on XXXX XXXX the payments were sent to XXXX XXXX XXXX XXXX in the amount that was agreed upon to settle both accounts. XXXX XXXX the money orders cleared XXXX XXXX XXXX XXXX and I receive literature saying both accounts are settle and closed, also the money was being sent over to NFCU. I called NFCU the following week to receive a status on the accounts and when they will update my credit. I was advised by the rep that once they recieved the payment the information would be updated. XXXX XXXX updates were made to my credit not reflecting any of this information, balances are still being showed, inaccurrate information is being reported wth such wording as " paying in under partial agreement '' which is not accurate at all. the accounts are settled and closed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX score has not changed and it is much lower than XXXX, XXXX and XXXX. Navy Federal has not been able to answer my questions. They continue to deny me expect for an auto loan. Something is wrong with the process.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33884
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I closed a loan with Navy Federal XXXX XXXX and a week later Navy Federal Credit Union sent a repo team to collect a car I've never owned. They had my personal information that I believe the got from the title company. I had to sign a form that they would not share my info but it appears they did. The person they were looking for had a different social security number and birth date. That would have been easy to check before scaring my family and have us look bad in the community.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A