Date Received: 2021-03-25
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX EXCEPTIONS TO DISPUTED ARGUMENTS AS STIPULATED : I demand that this account be posted on all three credit bureaus, as currently it is only posted on XXXX XXXX XXXX XXXX XXXX This is causing me difficulty as I can not post the proper credit rating on all bureaus that I deserve. Accordingly, I respectfully request that the above referenced subscriber to the credit bureaus top clear all obstacles that hinder the account information across credit reporting agencies, adding XXXX and XXXX XXXX into its monthly reporting on payments and overall account status. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: For a period of over 2 years, Navy Federal Credit Union inaccurately reported a revolving credit account as open and current, during a time when it was closed and in collections. As a result, the date of first delinquency for this account was not properly established and the removal of this derogatory credit history from my report has been substantially delayed. Additionally, Navy Federal Credit Union has reported recent payment history for an Auto Loan that was closed and paid in full on XX/XX/XXXX. This recent payment history shows a 60 days past due payment on XX/XX/XXXX and two 30 days past due payments in XXXX and XX/XX/XXXX. On XX/XX/XXXX, I sent Navy Federal Credit Union a dispute letter with all identifying documents requested and additional support documents to verify my dispute. The dispute was closed with no changes made on XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Navy Federal Credit Union suspended my account from receiving debit cards today, XX/XX/2021. I would see a reason if my claims were illegitimate, but not giving me a card all of a sudden is illegal and unfair without warning or providing some documentation as to what I did wrong. I requested an executive escalation to force you to provide a reason as to why they decided to discriminate against me, today, XX/XX/2021. This is just plain unfair.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76018
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/2021 my account was hacked into by hackers. They scam me telling me my account that hackers has sent money to someone in XXXX and was sending money to other countries. They told me to look at my account and they remote into my account use my XXXX ACCOUNT took my money. I immediately contacted NAVY Federal Credit Union. They took reported and reported as FRAUD told me would be investigated. Today XX/XX/XXXX I called Navy Federal Credit Union checking on my {$1000.00} they told me they were not able to put my money back even thou I was hacked by hackers that scam me. Please help I'm unemployed that is all money I had saved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: I dated XXXX XXXX for approx. 1 year before I called it quits because of the XXXX. He was so controlling. I gave him permission to use my Navy Federal Debit Card for gas only. He's the only one with access to my card number and someone has drained my navy federal account. I got paid over {$1200.00} yesterday, spent {$450.00} on a weekly hotel room to get away from him and now I have {$120.00} in my account. It is my understanding that XXXX XXXX is now dating XXXX XXXX, who has been harassing me for years. I have filed 5 police reports with the City of XXXX since 2011 because of the verbal XXXX threats I had been receiving from her. I am now very scared because when I went to check my credit report with all three of the Credit Reporting Agencies, my XXXX account information has been changed. The security questions indicated that I had an auto loan, student loans and a XXXX account in my name. I have never EVER had any of these products or services. My car was fully paid for the day I saw it. I don't use credit, except I ordered a {$250.00} secured credit card to go to my address in order to boost my XXXX credit because of the FRAUD. I can't even get into my Federal Student Loan ( FAFSA ) account now, because the security questions have been changed. I believe if you research the bank account theft ( track back where the orders are being delivered ), the account information that does NOT apply to me on the Federal Application for Student Aid, and the address and contact information on the Auto Loan, HOME EQUITY LOAN and also for the XXXX Account, you will find that this was a conspiracy between XXXX, XXXX and XXXX XXXX to defraud me and thieve my identity. Please contact me anytime for further information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23322
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I was approved for a motorcycle loan at a interest rate of 3.79 % and that was conveyed to me in writing when the bank draft was sent. After the draft was given to the dealer and deposited the bank then sent me a message to sign my loan documents. The loan documents now said an interest rate of 9.05 %. I believe this is a case of fraud since I was never advised of the rate hike or given a chance to accept or refuse the loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33558
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: On XX/XX/2020 I emailed XXXX XXXX XXXX and his business XXXX XXXX a check in the amount of {$45000.00}. The funds were a loan issued in the form of a check by Navy Federal Credit Union. I was referred to do business with XXXX XXXX and his estabishment by an associate of myself, XXXX XXXX. I verified that XXXX XXXX 's business, XXXX XXXX XXXX 's was a legitimate dealership. This check was to be completed by XXXX XXXX were he would contact Navy Federal Credit Union to obtain Verification Number which they would only release to a verified dealership ; also during XXXX XXXX contacting the dealership he would release to NFCU the vehicle VIN and description. During communicating with XXXX XXXX several times regarding return of funds for not rendering services that he and I agreed upon I had no choice but to proceed with reporting XXXX XXXX and his business for fraudulently misappropriation of funds in this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX XXXX, Sr XXXX XXXX XXXX XXXX, Virginia XXXX XX/XX/XXXX Honorable Secretary XXXX XXXX, I write to you today out of a deep sense of frustration as an XXXX American living in Virginia over fifty-four years. During this time, I have been discriminated against, due to my race, several times in the workplace here in Virginia, all documented with U.S. Equal Employment Opportunity Commission. The last place of employment, I worked as a XXXX XXXX at XXXX XXXX in XXXX, Virginia. There was a position open as a XXXX XXXX XXXX, which no one wanted, I applied for the position, was declined, to find out later XXXX XXXX want a XXXX person for this position. I filed a discrimination complaint with the EEOC and given a right to sue. A few weeks later on XX/XX/XXXX, I was terminated from my job at XXXX XXXX. In order to provide for my family, I apply for unemployment benefits, which normally last for one year until full employment is achieved again. At this time, I had enough with systematic racism and discrimination in Virginia and I started working as a XXXX XXXX XXXX. Due to stress situation, I had a fainting spell, my XXXX XXXX went up, I was hospitalized for two days. A few weeks later I received a bill from the XXXX, for over {$20000.00}. During this time, I am getting half of my income which put a serious strain on our financial situation, which forced my family into bankruptcy on XX/XX/XXXX. During XXXX we open a bank account with Navy Federal Credit Union. Since being a loyal member, we applied for several personal loans and several Mortgage loans, after Navy Federal Credit Union was advertising help for members with challenged credit and low income. I asked Navy Federal several times to explained to us as to how we can get a loan with their bank. At least two white loan officers were very rude, appears to be discriminating against my XXXX American family. For the past five years we have paid our rent on time, while building our credit history due to systematic XXXX here in Virginia. According to reports Virginia has several Mortgage programs through USDA and VHDA for first time home buyer and low-income families. VHDA share a list of lenders who supports their programs. We have contacted several, they pull our credit and never follow us with us again as the status of our loans. I was told by one loan officer, due to the bidding wars, they dont waste time on low income or first-time home buyers, they focus on now who has the most money to purchase homes in Virginia. Also, no Lenders or loan officers in Virginia looked at our rental history. I am sure you know XXXX American continues to be disenfranchised and discriminated against here in Virginia. Also, I noticed while calling several lenders in the Virginia area, theres no XXXX American loan officers or lenders to help XXXX Americans on the pathway to home ownership. We truly appreciate your help get my family approved for a home loan with down payment help and closing costs as stated in Virginia first time home buyers and low income programs. Sincerely,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Navy Federal Credit Union I spoke with them about my credit score. The score they are reporting is much less than the credit bureaus and it does not change. Which they use to determine my credit limit. This is unfair and wrong.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33884
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Navy Federal Credit Union wrongly denied my disputed charge. I was overcharged by a merchant in XXXX and submitted documents proving he charged me over ten times the agreed price. I spoke to the merchant about this multiple times, and he first said he would refund me only if I returned to XXXX, and then he pretended he didn't understand XXXX, though he understood it perfectly well when I was in the store purchasing the items. The merchant defrauded me. So I turned to my financial institution for help. I submitted a dispute to Navy Federal, but they performed only the most cursory of investigation, ignored the evidence I submitted, and then ruled against me. When I submitted additional documentation including a letter from a US merchant supporting the allegation that the amount I was charged was very far in excess of the value of the merchandise, they not only failed to refund me, they refused to even look at my case! They recommended that I talk to the merchant, the very merchant who defrauded me. The XXXX merchant and I agreed to {$1600.00} USD for a collection of handmade metal items. This is also the amount documented on the itemized invoice and the customs form. However, the merchant charged me {$16000.00}! When I brought this to the attention of Navy Federal, they refused to refund me! I subsequently submitted additional information, and they refused to even look at my case. They recommended that I talk to the merchant, which I had already done unsuccessfully. I have attached the document I submitted to Navy Federal with my second appeal. This contains the invoice, customs form, photo of the items, and letter from a US merchant supporting my case. I am a victim of fraud, and my financial institution refused to aid me. They are negligent in their duties under the Fair Credit Billing Act ( 15 U.S. Code 1666 ) and implementing regulation ( 12 CFR 1026.12 ). So I appeal to my government for help. I ask that you compel them to do their duty to treat me fairly in accordance with the law. Please use your authority to direct that Navy Federal refund me. As the act permits charges to be recovered against the financial institution for its failure to resolve a billing dispute, I ask that you direct them to do so for me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A