Date Received: 2021-04-22
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The account in question was opened in XX/XX/XXXX and closed in XX/XX/XXXX. Navy Federal charged off this account and continued reporting the account. After contacting Navy Federal about paying off this debt, over the phone they agreed to a settlement amount of {$2600.00}. They updated the account as closed on my credit report with a date of XXXX 3 years after the account closed. They also never followed up and sent out the corresponding information for me to pay off the account. It's been over 6 years and Navy Federal has not tried to solve this issue with me but continues to report this old car loan as new. The statute of limitations of debt in South Carolina is 6 years. This debt should be removed from my credit report ASAP.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: 45 calls in less than a few weeks and now they are calling 2 or 3 times per day plus calling family and friends. Navy Federal
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85037
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy Federal received a non legal document from the NYS child support corporation stating that I have a judgement against me. I have written the NYS corporate and asked for proof of this debt or undertaking or signed judgment from an administrator. They have failed to provide me with that proof. I called the NYS corporation and asked is there a debt owed to the state of New York and they said no, that I dont owe the state any money for child support in fact I dont have a child that lives in that state of New York. I have asked Navy Federal to please send me a warrant or a signed judgment from a competent court house or administrator or judge to prove there is a debt. The document they received has no state seal or judges signature to seize my assets. Federal law is clear on the facts about child support. Navy Federal has closed my account and has taken my money, based on nothing but a piece of paper thats not a legal document.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/21 I received a request for a product and service that totaled XXXX and required a XXXX deposit as they stated. I spoke with the person via message and asked about the name I saw come through the request I was sent via XXXX. They stated I had the right person. On XX/XX/21 I reached back out regarding my appointment just to be told in a text message I have been scammed to leave them the f alone. I reached out to my bank ( navy federal ) because I used a service they provided unaware I was protected and they stated there was nothing they could do and sounded as if they could care less I was out of my money
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My accounts were closed without notification. I called to resolve issue and was told that they were not at liberty to disclose to me the reasoning for closing my accounts. I appealed the restriction and was denied and again appealed without knowing the reason for the restriction.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This letter is being sent to you in response to a telephone call made to me on XXXX XX/XX/2021 ). Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested. This is NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70072
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XXXX of XXXX, I called Navy Federal Credit Union to discuss options for refinancing my home through them. After about a XXXX minute conversation, I supplied the necessary information for the application and was told I would be contacted shortly. Nearly XXXX days later, I contacted the bank to check the status since I never received a a response and was told I had no application. After some searching, the rep located my original application but it was never submitted as complete so I had to complete the application from the beginning. After this I was told I would receive documents to sign in the mail. After a couple weeks with no documents, I contacted Navy Federal Credit Union and was told my window to sign had expired. They sent electronic signatures but never notified me. After requesting new documents sent they still never arrived. I ended up signing electronic documents after requesting a third time. In XXXX of XXXX after not hearing any news and not being able to contact my mortgage processor, I was finally informed I was transfered to a new processor. This involved re-verifying all my in refinance. In XXXX of XXXX I supplied XXXX 's, bank statements and credit reports for myself and my XXXX. A few weeks later I received the first documents to review but the information such as interest rates was not what was promised. I sent it back and informed of the correct information. XXXX I received another electronic form, this time with the correct information and promptly returned it completed. After another couple weeks with no contact I was finally informed that my documents containing sensitive information had expired and would need more current versions. Most important of those being a XXXX credit history report and moving my closing date yet again. Upon speaking to a supervisor, we agreed on a lower rate for my troubles. Once again, the incorrect information was used and needed correcting. Now, XXXX days until the projected closing, Navy Federal Credit Union is requesting a XXXX credit check and possibly moving the date due to their negligence. Any attempt to contact my processor is met with resistance and leaving a message generates more excuses than it does responses. I have tried to be patient but they are making lasting negative effects on people 's financial and mental wellbeing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85040
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have already paid for the balance of {$1800.00} still showing on the various credit bureaux on XX/XX/3021. I contacted the Navy Federal Credit Union to update the credit bureau but to my dismay nothing has been done. This is indeed affecting my mortgage rate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98444
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Can you please remove the Navy Federal CU credit card which is not mines.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The debt was paid in full agreed to for the settled amount and the balance is still showing owed on my credit report. I just want the information correctly updated to paid as settled with a XXXX balance reporting. This is hindering my process
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38133
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A