Date Received: 2021-02-23
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I was working a friend who has knowledge repairing credit. Unfortunately his house was burglarized and much of his information was compromised. I believe this fraudulent loan happen due to this incident.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Identity theft protection or other monitoring services
Subissue: Problem with product or service terms changing
Consumer Complaint: Hello CFPB, On XX/XX/2021, XXXX XXXX XXXX and I went to Navy Federal Credit Union at XXXX XXXX XXXX, XXXX, MD XXXX. My mother and I went to add me on her accounts as Joint Owner, due to her health and age. We were seen by NFCU Account Manager : XXXX, who was extremely unprofessional and unknowledable of NFCU protocols and processes. We informed XXXX of our matter of wanting to adding me on my mother 's account as a Joint Owner, which she continued to do. After my mother and I left her cubicle, we proceeded to walk over to bank teller to initiate my mom 's new Debit Card Pin number. As my mother and I proceed to walk out to my vehicle, NFCU Account Manager : XXXX chases us to my vehicle along with XXXX " Sarcastically Stating '' that, NFCU can not add me on my mother 's accounts as a Joint Owner, which I currently possess a savings account for 30 years and my mother, i.e., XXXX XXXX XXXX who possess a checking and savings account for 50 years. XXXX says she wasn't going to processes the documents, which she ( initially sign before hand ). My mother and I went to the aforementioned NFCU location one week prior to XX/XX/2021 and sat down with NFCU Account Manager : XXXX, who we initially wanted to add me on as a Joint Account Owner. Before my mother and I proceeded to sit down with XXXX, on XX/XX/2021. XXXX goes over to XXXX and whispers to her, to pretty much XXXX XXXX of not allowing my mom and I to process adding me on as a Joint Member of my mom 's checking and savings accounts. XXXX was snickering and aggravating the situation above. I'm not sure why XXXX is so adamant about me " Not '' being added on my mother 's accounts at NFCU, which is a " Very Unprofessional '' and " Awful '' and " Uncharacteristic '' of NFCU employees. This has been a " Unacceptable '' experience for my mother and I. I have never ever experienced this type of customer service before. I hope that someone from the CFPB can assist us with this " Discrimination '' and " Unlawfully '' Misuse of authority. I would like to request that Navy Federal Credit Union at XXXX XXXX XXXX, XXXX, MD XXXX, to " Repreminded '' NFCU Account Managers : XXXX and XXXX for their Unprofessionalism, with " Taunting Me '' i.e., following me out to my vehicle and Publically Embarassing me in front of other NFCU customers. This is Unlawfully, Discrimination, and abuse and misuse of authority by XXXX and XXXX having the authority to stopping the processing of My mom 's " Wishes '' to add me on to her checking and saving accounts, due to her " Deteriorating Health ''. I hope CFPB can assist my mother and I in representing us on this Unlawful Practice and Discrimination of NFCU aforementioned employees. Thank You, XXXX XXXX XXXX XXXX ( Email ) XXXX ( Mobile ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20716
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
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: Navy Federal Credit Union has once again failed to comply with federal laws and demonstrated bad faith in the handling of my auto loan. For several years the credit union fraudulently diverted payments to other accounts owned by me therefore the auto loan account became extremely delinquent. The original balance of the loan taken out in XXXX was {$5500.00}. NFCU charged off my account for {$6000.00}. This account and one other in which a creditor failed to work with on a revised payment plan lead to me filing a Chapter XXXX Bankruptcy. After filing on XX/XX/XXXX, even towards the end of XX/XX/XXXX NFCU failed to update the status of this account to all credit bureaus as 'Included in Bankruptcy ' with a a XXXX balance as other creditors. They remained out of compliance as to the reporting of this account for the remainder of XXXX and even though I have been approved through the bankruptcy court for a {$1800.00} Reaffirmation Agreement ( balance ) on this account, NFCU still has failed to delete the {$6000.00} account identifying it as a Charge Off. I contacted the credit union early of and was told by a representative they have 'No Way ' of contacting any of the credit reporting representative for organization. After asking if this 'secret mission department ' was located on a distance island with not email or phone capability, I was only given the same response. I was also given the same response today ( XX/XX/XXXX ) when speaking to another representative. I also advised I would include NFCU as one of the creditor violators in an adversary proceeding as they failed to comply since XX/XX/XXXX after I filed the bankruptcy petition in XXXX of XXXX. Now that the reaffirmation has been approved and the new loan payment being set forXX/XX/, the correct credit report entry should be {$1800.00} Reaffirmation Auto Loan and all other entries deleted primarily due to NFCU 's fraudulent inflated balance of {$6000.00} prior to my bankruptcy petition. A previous complaint was entered in reference to the falsified inflated balance and diverting payments made to this auto loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Problem when making payments
Subissue:
Consumer Complaint: letter was sent, no response. I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the audit trail according to GAAP ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Pennsylvania State Statues for Lawful Purposes. 3. A copy of the contract signed by both parties and therefore binding both parties. 4 .Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account. Furthermore I am the consumer in fact, natural person, original creditor, I the consumer that participated in a credit transaction ; ( Title 15 1602 The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Went to first time home buyers program and credit was pulled and was informed about 2 credit card charge offs both opened in XXXX without my knowledge. I was advised to get police reports, identity theft reports and dispute directly with bureaus. I sent letters with police report, identity theft report and Id in XX/XX/XXXX for validation of debt, none was provided. Sent letters again XX/XX/XXXX and again certified XX/XX/XXXX. I was XXXX in XXXX and had no knowledge of anything related to credit nor have I ever had a credit card until XXXX I just got a secured card to use my own money while I learn about credit. I have contacted the creditors as well and still have yet to receive proof of these debts. Navy federal opened XX/XX/XXXX owed {$3100.00} XXXX XXXX opened XX/XX/XXXX owed {$3600.00} I will be starting litigation using ground " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists '' to seek removal of these 2 accounts
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31322
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please read carefully -- I applied and received a loan from Navy Federal. When I explained to the loan representative what I wanted the loan for she told me it would be a consumer loan for home improvement. This loan was secured with my signature not a home ( please see attached promissory note ). As a matter of fact I'm not on the deed, therefore I am unable to obtain a mortgage on the property. Navy Federal is reporting this account as a mortgage. I defaulted on the loan, Navy Federal agreed to do a settlement ( proof I paid the settlement attached ). Now that I have settled the account it is reporting as a short sale. I have tried to obtain a mortgage but I was denied because this loan is shown as a short sale ( see attach denials from XXXX and XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32789
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Recently, I recently received a copy of my credit report which showed unauthorized inquiries, and accounts that were not opened by me and I did not authorize. I do not have any knowledge of these accounts being opened and affirm that they were opened fraudulently, and any unknown contract bearing my WET signature is fraudulent and was not signed by me. I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is following up on my previous claim which was closed. I now have proof that my ex husband has tried to remove me via an assumption ( per Navy Federal this is the only way to remove me ) and they WILL NOT LET HIM do this! In XX/XX/XXXX my husband and I got a divorce. Per speaking to a Navy Federal representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point. I have contacted Navy Federal and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again. My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 808XX
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened up a navy federal bank account due to my brother being the XXXX for XXXX something years so I was more than eligible immediately I put over XXXX $ dollars worth of my money in there the next day upon me trying to log on I was locked out of my account called into navy federal for them to tell me I was not eligible for membership and that I needed to file an appeal and send documents in all the money i placed in my account with them was my rent money we are in a pandemic and I cant afford to fall behind on my rent Im XXXX months XXXX and due to go to the hospital any day I offered them to go to a branch and take all verifying documents they refused and told me it will take them 15 days to see if they will give me my money back mind you the account was only open for one day so the balance was positive so they should not be able to hold my money
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A