Date Received: 2021-06-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I entered a consumer credit transaction with NAVY FEDERAL CREDIT UNION and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that NAVY FEDERAL CREDIT UNION claim I owe. NAVY FEDERAL CREDIT UNION has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We refinanced our existing Navy Federal VA mortgage with Navy Federal. We started with asking questions as we were not sure if refinancing made sense. We stated that it was important to us to keep fees low and lower our monthly payment. We were given an estimate of {$12000.00} but were also told that was a high estimate and once the figures were revised, closing fees were like to be lower. Closing costs ended up at {$13000.00} by the time we closed. We discussed our escrow account with our mortgage processor, XXXX XXXX, where XXXX told us that we would have to start a new escrow account despite having one with our current mortgage. XXXX told us that our current escrow account would be disbursed to us. XXXX never discussed using the escrow account to pay off our current mortgage. Yet when I called Navy Federal over a month after our closing to determine the status of our escrow account, I was told that the account had been used to pay off our old mortgage. Closing documents show the {$5600.00} going to pay off the old mortgage so I do not question where the funds went, but I am outraged at the lack of communication as we were planning on using the {$5600.00} for cash needs. We were further outraged to receive a letter from Navy Federal a day later stating a recent review of our escrow account showed a need to increase the balance by {$910.00} or {$75.00} more with each monthly payment. This letter arrived a little over a month after our closing, before our first payment was even due! I called Navy Federal to lodge a complaint. I was told to go online to submit my complaint, which I did on XX/XX/XXXX. I received a generic acknowledgment on XX/XX/XXXX stating someone would contact me. I have yet to hear anything from Navy Federal. Having worked in financial services my entire career and knowing what disclosures and protocols must be followed, I find Navy Federals actions unacceptable and deceptive.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22101
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I applied for a consumer auto loan with Navy Federal Credit Union. I was denied and advised upon calling customer service that I'd receive a letter with the explanation. The letter received advises that there were several factors for why I was not approved which included a credit score of XXXX that Navy Federal advised was provided to them by XXXX. On today XX/XX/XXXX I contacted XXXX and they advised that they do not provide leaders with an actual credit score, they only provide the reports. I confirmed my XXXX score to be a XXXX. XXXX did not have historical information regarding what the score was on XX/XX/XXXX but I do know that when I checked my score on the XXXX via XXXX XXXX which is a XXXX XXXX product my score was also a XXXX at that time. When I contacted Navy Federal today XX/XX/2021 the representative was confident that they had been given a score of XXXX by XXXX XXXX. She also advised that the other reasons listed on Navy Federals letter had to have played a significant role in the denial decision. She followed that statement by saying that upon looking further into my loan application it looks as if the actual reason it was denied wasn't the credit report and score at all, that it based on something historical with my Navy Federal account. She advised that she did no have any detail regarding what exactly. To substantiate the information I am providing I have attached the letter from Navy Federal and a copy of my XXXX XXXX score XXXX XXXX as well as my credit score ordered directly from XXXX XXXX today, XX/XX/2021. Thinking back this is the second time Navy Federal has denied credit to me this year and I am suspicious that it was also denied the 1st time using invalid credit score information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
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. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 24540
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to, 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting a bill. I paid a cash deposit which is illegal. In XXXX of 2016 I was notified by Navy Federal Credit Union that payment was due which is a violation of 15 usc 1692b. Pursuant to 15 usc1611 Navy Federal Credit Union is criminally liable. They are also civilly liable for double the amount of my finance charge pursuant to 15 usc 1640, and they are liable for each fdcpa violation pursuant to 15 usc 1692k. I am demanding they remove this alleged debt from our consumer reports, remit payments to me for violations. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29461
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/ XXXX XXXX I XXXX XXXX XXXX grandson ) who takes care of all Gisele haneys ( grandmother XXXX financial situations called in regards to my elderly grandmothers account accompanied with my grandmother on the phone aswell. We were attempting to get my grandmothers pending balance let go early ... .. but however they take forever to answer..they tell u they need information before opening up accoun which is normal..but they have a real shifty attitude like they do not want to work ... seems as if they are rushing u ... .and the reason for this is because they blatantly hang up and put u on a survey that was not asked for ... ..the call that was made was infact for an emergency that we have going on so we were trying to get funds earlier but the customer service representative that was spoken to was not that good at her job ... .I talk to three people within 10 min and nothing has been resolved..they have my grandmother crying and confused on why they can not give her information on her account ... because some reason of she needs to come in to verify ... but as stated to the operator she can not under doctors orders because of covid 19 and the fact she is over 80 yrs old ... .she was impatient and irratated when talking to my grand mother ... .then the operators sends u to a survey without saying anything.called back 2nd time ... the operator that was on the first call tries to interfere with the 2nd call and tells this new operator somethkng ... and now this operator is saying the same thing the first operator was ... they were trying to run a scheme or something because why are operators remembering customer and not letting issues get resolved if they do not know how to handle it..instead pass on ur non intelligence to someone else so they can say the same thing and try to end the call quick by again sending us to a survey.. which is extremely disrespectfull..especially when we have an emergency and had a pending balance thats there but were told is not ... so the second operator thats being coached or told to say the exact same thing without trying to resolve the problem deeper and actually do there job instead of trying to take a easier rout of one syllable answer ..yes no yes no yes no ... .they hang the phone up again and send people to a survey ... my grandmother and I feel neglected..not to mention the fact she has been with XXXX XXXX for over 30 years ... .my grandmother is elderly over XXXX a XXXX surviver and under the doctors order of staying the house do to Corona virus she's told she has to goto the branch in order to get questions answered which is blowing my mind ... then I call for a supervisor and this is the 3rd call within ten min ... and the so called supervisor that I do not think was the actual supervisor will not tell me her name so I can call somebody above her and get the issue resolved because as stated before we are in a emergencies as of now and need funds.but nothing we asked was answered or accomplished ... ... ..very bad service..need to terminate all the peice of shhh..people working for a check and not to help customers ineed ... Outta three operators only. Got one first name without a last name ... .poor poor poor ... .very sad ... make my grandmother think about changing banking because of non servicing service representatives of the navy federal credit union..
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I applied for credit with Navy Federal and was wrongfully informed that the credit given was via the bank and mailed deceptive and misleading statements to make monthly payments. Pursuant to 14 USC 1601 congressional findings, congress is letting me the consumer know the that Navy Federal has misinformed me of the use of my credit. 15 USC 1301 ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. Also, 15 USC 1602 ( e ) The term " person '' means a natural person or an organization. A corporation is not a natural person. Therefore can not be the original creditor. My social security card was use to obtain credit, I am the administration of the card and credit account given. Also, pursuant to 15 USC 1602 ( 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. I am informed that I am the original creditor who is a person to whom the debt arising from the consumer credit transaction who is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness and that my credit card is a open end credit plan. Navy Federal put a limit on plan to {$20000.00} and has failed to comply with the open end credit plan by sending statements for me to pay which is unlawful pursuant to 15 USC 1692 ( 2 ) not state that such consumer owes any debt ; You can't say I owe a debt. You were not given consent by me to collect any debt and I do not consent to you collecting this allege debt you say I owe. 15 USC 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I invoke my rights as the original creditor and demand a verification of debt, cease and desist form contacting me regarding this allege debt. I refuse to pay this allege debt. 15 USC 1692c ( a ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. ( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent XXXX if the consumer is a minor ), guardian, executor, or administrator. 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. My consumer report is my reputation and I demand you delete any reported accounts to the reporting agencies regarding this alleged debt. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. You sending statement informing that I owe you an alleged debt is abuse due to me having to read the false and deceptive forms. If the courts/judge can not ever say I owe a debt, so why in the world do you think you have the right to say I owe? 15 USC 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. We have a conundrum the definition of money is a political decision that you can not define and you can not tell me to pay gold and silver because its not in general circulation and you cant tell me to pay with federal reserve notes because you would perjure your oath, so we have a conundrum on the record, I invoke being a consumer and I dispute XXXX XXXX XXXX pursuant to 15 USC 1692h, excluding the first payments back treble for not willfully disclosing valuable information. Send all payments made via check to XXXX XXXX XXXX XXXX, CA XXXX. 15 USC 1692h If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95205
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Navy federal seized my bank account on XX/XX/XXXX for the amounts of XXXX checking XXXX checking I had no knowledge of the debt because I never received written notification. I spoke with an agent in the credit card department and he stated that there was a change of address around XX/XX/2016 made by my attorney for veterans compensation. I had no knowledge this occurred, therefore I could not act on a letter that I was being sued because my mail went to my attorney, XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-30
Issue: Getting a line of credit
Subissue:
Consumer Complaint: every time i try to get a line off credit on my checking account navy federal refuse to give me on this is not the first i have tried so many time i have been a member with them for over 40 years, to me they are so hatefully company and they don't care about they customers its all about they money especially the CEO XXXX she don't care. and its sad
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2021-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: NAVY FEDERAL FORCED ME INTO DEBT.IN XX/XX/2021 I RECEIVED AN EMAIL STATING THAT IN XXXX A {$510.00} CREDIT WILL BE DEDUCTED FROM MY ACCOUNT.A CREDIT THAT I WAS NOT NOTIFIED OF, CONSENTED TO OR WANTED.WHEN I ASKED WHY DID THEY PROVIDE THE UNSOLICITED CREDIT, THEY STATED IT WAS FOR MY OVERDRAWN ACCOUNT, ALLOWING ME TO FULLY ENJOY MY STIMULUS,.. .BUT ; IT WAS DEPOSITED " AFTER I RECEIVED MY STIMULUS CHECK '' CONCEALED.I AM XXXX AND I CAN NOT AFFORD THIS.NAVY FEDERAL ALSO HAS ME BLOCKED FROM PHONE AND LOCATION ACCESS MAKING THIS ALMOST IMPOSSIBLE TO RESOLVE!! THE GLOBAL PANDEMIC AND MY HEALTH IS WELL KNOW BY NF.THESE ACTIONS FIT THE DEFINITION OF PREDATORY LENDING.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2021-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A