Date Received: 2021-04-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My Name is XXXX XXXX and I'm not a huge fan of credit due to certain belief that I have. But recently I was applying for a mortgage loan on a house and had some take a look at my credit before fully committing. I then inquired some recent and not so recent fraudulent activity on my credit report. Looking through my transUnion I recently found several unauthorized inquiries on my credit report that weren't authorized my myself. And according to the FCRA ( Fair Credit Reporting Act ), Legally these unverified and unauthorized items must be removed! Thank you!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hard Inquires on both XXXX XXXX and XXXX that are not mine. Navy FCU XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Navy FCU XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06905
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: See attached. Spoke with Navy Federal, the representative indicated all they need is return tracking information. Provided via fax, but still claiming : " There was not enough supporting documentation or evidence to move forward in the dispute process '' I am unsure what else they want now, other than the return tracking informaiton.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Navy federal refuse to resolve the issue Thus is my last attempt I was XXXX around by this cheap bank for the past 7 months I will give s law suites against navy federal for abuse stress waist of my time hours and hours on the phone they did and caused me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/2021 and XX/XX/2021 Navy Feder credit union removed $ XXXX from my personal checking account without authorization or prior notice. I have a third party handling settlements with NFCU. This is a poor practice and automatic drafts should not be made without the account holders knowledge. These funds were part of the most recent economic stimulus package and should not have been taken by NFCU. I have contacted NfCU and was placed on hold for nearly an hour after being passed from person to person to try and resolve the issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39350
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navy Federal Credit Union is reporting erroneously on my credit report. I recently took a look at my credit and noticed that the two accounts I have with them are appearing as closed accounts. I was very confused, as I never closed these accounts and no one told me that they would close my account. I continue to make payments on this account, and this has been open for years. If these accounts close, they were done so erroneously and I ask that they please bring them back into open status and current status as I ask that they remove the XX/XX/21 late. I have been a long time customer and I ask that they please fix the mistakes on my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84401
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/2021 Attempted to transfer funds between accounts, but was denied access. They also arbitrarily closed my checking account without notification. When I asked why they were attempting to collect a debt. I am a XXXX retired female who has limited income. I specifically requested the checking account last year and was using it. I believe their actions are illegal and discriminatory against XXXX retirees. I have notified my attorney of this action, Help Is Here.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection agency by the name of XXXX XXXX XXXX XXXX. I received the attached collection letter on XX/XX/XXXX, from this, XXXX XXXX XXXX XXXX, claiming that they are collecting on an alleged debt that they are claiming to have acquired from Navy Federal Credit Union. They are claiming that I owe an alleged debt in the amount of {$3900.00}, and I want to make it clear to XXXX XXXX XXXX XXXX, that I dont owe them, nor do I owe Navy Federal Credit Union this alleged amount of {$3900.00}. I had questioned the balances many times on the card that I had been paying Navy Federal for, years ago, and I could never get adequate nor accurate answers. In XXXX I did have a Navy Federal credit card account, and I feel that Navy Federal deceived me with the rates, and charges that were being charged onto the account. Years ago I had contacted Navy Federal many times through their online account messaging center, as well as by telephone calls to them, inquiring about the rates, and charges that were being charged to the account. Many times I had made requests to Navy Federal for a reduction in interest rate on the account that I had, had, because the balance was going up drastically due to their usury charges, and fees. I had also requested if they would transfer the account to a lower interest credit card account that they offered, and each time my request was unanswered, or I had to resubmit my message through the message center, and their answer always came back as a NO. I have had no dealings with Navy Federal Credit Union since XXXX, and they have been placing false status dates, and information onto my credit files, making it seem as though I have an account that I have been using as of present XXXX, and that is false, fraudulent information, they are doing this so as to destroy my credit. This collection agency XXXX XXXX XXXX, has never contacted me to verify if I knew of, or to find out if I even owed this alleged debt, yet even prior to my receiving the attached letter from them on XX/XX/XXXX, they had been making annoying telephone calls. I am disputing this debt, and I want XXXX XXXX XXXX XXXX to remove any and all derogatory false fraudulent information that they have placed onto my credit files, and I am requesting that Navy Federal Credit Union do the same. I have had no dealings with Navy Federal Credit Union since XXXX, and it is wrong of them to place false status dates, and information onto my credit files, and I want it all removed. If there is an account with a balance due in the amount of {$3900.00}, Navy Federal has run that up themselves with their usury interest, charges, and fees. Then they pass on false information to the credit bureaus and collection agency without any notice.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX paid XXXX XXXX with Obscurity Intensive Facilitaion through XXXX through Navy Federal Account Checking # XXXX for {$900.00} for three day coaching services course. XX/XX/XXXX cleared Navy Federal Credit Union. XXXX on XX/XX/XXXX and still incompacitated unable to work. Initial communication with Navy Federal regarding refund and Navy Federal Advised to request refund through XXXX. XXXX XXXX reschedule session in XXXX to another date. Requested refund to XXXX XXXX on XX/XX/XXXX after a berrage of words from XXXX. XXXX XXXX, XXXX XXXX XXXX had Conversation with XXXX. XXXX XXXX emailed XXXX Letter on XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX recommended not to engage in any session with XXXX. Letter with professional recommendation was emailed to XXXX XXXX requesting refund on XX/XX/XXXX. XXXX XXXX provided no services. Contacted XXXX through Consumer Finance Gov and XXXX stated that Navy Federal is responsible. Request {$900.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78229
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: This past Summer I sent a secure electronic message to Navy Federal Credit Union through my online account requesting that the {$2800.00} balance transfer that I had initiated on XX/XX/XXXX from my XXXX XXXX Credit card be reversed, since I was disputing a substantial portion of that balance in the amount of {$1300.00} ( see CFPB Case # XXXX ). I was informed that this was not possible and that I should dispute any charges with the original card issuer. With the 0 % APR promotion that was used in connection with the transfer due to expire on XX/XX/XXXX and not having received the third stimulus check for {$1400.00} despite the fact that I receive direct deposit as a XXXX Beneficiary, I phoned XXXX today to confirm that there was no way to transfer the balance on my NavyFCU back to XXXX, only to be informed that because the transfer had been made more than a year prior, this was no longer an option ( this same NavyFCU Representative that I initially spoke to indicated that he had just received his stimulus check in the mail today, suggesting that mine may never arrive at all ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A