Date Received: 2021-01-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This has By far been the absolute worst Experience ever. Im a victim of identity theft. Being treated like the one. Ive been violated in the worse ways ever because of this fact. From Tax returns to Bills and Vehicles. Because of this Im recovering from XXXX. I was made aware of several accounts and loans have been opened in my name. Banking institutions as well and they have placed abusive and derogatory remarks on my profile. Making it extremely hard and nearly impossible for me to live and provide for my children as Im a single mother of XXXX Im trying to hard not to fall back into XXXX but this is really hard. I dont feel I should have such things placed on my public profile. Being the fact that Im a know victim of ID THEFT. Because of that Ive been on a never ending quest to restore my name and reputation. These remarks are abusive and not true & Theyre causing grave hardships and I fear irreversible trauma on my XXXX XXXX. Two weeks ago I submitted an application to open up an account and it was approved. They sent a letter stating that I was denied due to being in 3 party data base called XXXX. I called the number given after waiting for 20 minutes. I was Advised that I was in fact in their system with two banks. Reason being fraud!! Im devastated ... I cant function with this information on my public profile and its fraud. Im a business owner and I cant conduct my businesses effectively without this XXXX being removed. I called to speak with the fraud department and the representative was really disgruntled and impatient. She basically told me I committed fraud although I had no idea what had been done. They refused to give any info and instead sent a letter of debt. This organization would not even tell me what caused the problem. I called the second bank at hand and they too were very rude and I received minimal assistance. They both insisted I owed a debt and refused to assist me unless a payment was made. Please help me I have filed an FTC as well .. NAVY FEDERAL AND XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently obtained copies of my consumer report and you are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully furnishing hard inquiry data on my XXXX XXXX consumer report without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ). I have not initiated any transaction with Navy FCU. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with Navy FCU for review or collection. Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20783
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have had an FHA mortgage with NFCU since XX/XX/XXXX and was forced to put my mortgage in forbearance in XXXX or XX/XX/XXXX due to hardship and Covid-19. I am XXXX and am required to XXXX but have just become XXXX for XXXX so this makes this all even more difficult to handle. I just found out that my XXXX credit score dropped AGAIN, this time by 16 points because Navy Federal Credit union keeps adding to my balance despite everything I have read to the contrary, including their own statements that as long as you were current when going on forbearance, your credit will not be negatively affected by doing so. BUT, that is not correct and I have had my mortgage balance increase considerably since I started and because of that, my credit has been negatively affected several times over the last year. An increased mortgage balance is a red flag to credit bureaus as is the mortgage being reported as in forbearance or deferment which in turn eliminates your ability to get credit or for a potential creditor to loan money in this time of crisis for a customer or borrower. I can show through credit reports over the last year of the increase to my balance and the decrease in my credit score which is in violation of the CARES Act. I have tried to resolve this with NFCU in the past and today while attempting to log into my mortgage online through Navy Federal 's website, found out that I am LOCKED OUT of my mortgage. I will attach screenshots to verify.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, I signed my official refinance contract with Navy Federal Credit Union. According to the contract, my loan would process on XX/XX/XXXX, and I needed to pay a total of {$5000.00} in closing cost. The closing cost was taken out of my account through a wire transfer. However, I received an email today, XX/XX/XXXX, from my loan processor stating an additional {$4100.00} was needed from me. The email did not contain any documents stating how and where the money would be applied, but instead, it explained a procedure I do not understand. I'm not sure how and why my contract terms with the bank were changed after signing my closing contract. The following is the contact information for my assigned loan processor : XXXX XXXX XXXX XXXX XXXX | NMLS # XXXX Phone : XXXX x XXXX Fax : XXXX Email : XXXX I have also attached my closing disclosure and email from the loan processor for your review.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 86314
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These credit inquiries are unauthorized and need to be removed from my credit report immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Good afternoon, I am currently banking with Navy Federal Credit Union and recently I lost my credit card and between XX/XX/20 and XX/XX/20 there were 4 charges totaling {$7000.00} charged on my card from " XXXX. '' I did some research and found out that this is a virtual currency transaction site and I attempted to contact the merchant but was unable to get a hold of anyone. I filed a fraud claim with NFCU for the above amount and for some reason it was denied. I appealed the decision to them and again they denied the appeal and did not give me a reasoning. I am insanely frustrated with it because I do not have the money to cover these charges nor did I even make them in the first place. I wanted to file a complaint with CFPB to see if there is anything else that can be done. Thank you in advance and I look forward to a response.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38002
Submitted Via: Web
Date Sent: 2021-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, I currently have a mortgage with Navy Federal for $ XXXX. My mortgage is on a home built/purchased in XXXX. For the last two years, I have received a check back the following year, based on the overage paid into my escrow account. I have made several attempts/request to have Navy Federal complete an escrow analysis, because they are clearly collecting too much money from me each month. I currently pay {$470.00} per month in escrow, as a result of the {$470.00} escrow payment, my monthly mortgage payment is over {$1500.00}. Last year, I had to make my own home insurance payment ( the insurance company sent me a bill since Navy Federal did not make the payment ). My XXXX property taxes were yet again thousands of dollars less than what was charged/collected from me over the 12 month period - so I am now being sent a check for over {$2000.00}. As I've explained to the multiple CSRs I've spoken to and in the numerous emails I have sent in to the company - the unnecessary collection of funds is creating a hardship for me, as the Veteran consumer. I understand they aren't concern, because they are collecting the funds. However, I work hard to ensure I pay my bills and pay them on-time. It is extremely unfair that this corporation continues to charge me unnecessarily. The corporation is forcing me to have my assets tied up in an account which I prefer not to have. I've spoke to the property appraiser to understand why they claim to need to collect one amount for my taxes and my taxes are no where near that amount and the property appraiser had no explanation as to why Navy Federal would be collecting so much per month. I have tried to no avail to get Navy Federal to rectify the issue and each time I've been given no help. It seems as though no one is concerned and my issue is not their problem. I am in need of help and I am trying to be pro-active about the situation. I don't want to have to fall behind on my mortgage, just for someone to show concern and then look into fixing the problem. I know {$470.00} may not be much to some, but it would make a big difference for me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2021-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Good morning, On XX/XX/XXXX, I was changed a return check fee of {$29.00}. Im reaching out for extreme help during this difficult time that Im in. I understand that I was charged a return check fee and Im requesting this charge to be reversed. Every dollar counts in my household and {$29.00} can go a long way right. I ask if someone can please removed this charge. Im standing in food banks lines and waiting on a stimulus relief. I cant afford any fees. Please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: Navy federal government agencies Mobile banking online app XXXX XXXX to The US Department of Labor Freedom of speech tools Consumer financial protection Annual lines of credit permanent end of life declarations XX/XX/2020 Page Transparency mailing address and XX/XX/XXXX Fastest growing occupations federal government credits agencies in the United States of America XXXX XXXX and ages of individuals XXXX down payments XXXX XXXX XXXX XXXX XXXX ; following up on The American Policy holders association XXXX XXXX XXXX producer Update claims case files XXXX owner 's payment tools matching wallets XXXX XXXX XXXX And wife XXXX XXXX real Human services call in numbers XXXX and XXXX garage parking lot declarations Act of Sale Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX change mailing address to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX matching Voters voters Registry sealed permanent XXXX medical necessary services Post and Annual coverage premium XXXX down rates letters enrollments ending Listing courtesy of XX/XX/XXXX / XXXX XXXXXX/XX/XXXX Last checked : 3 minutes ago Last updated XX/XX/2020 Source : XX/XX/XXXXXXXX XXXX XXXX Report a problem verify by Estately Help Credits federal Frontliners workers legal assistance accommodations now direct Clear swift filling pricing LLC premiums registrations shoppers doing business as Early Warning exampt signs XXXX XXXX Dispatch Emergencies first responders 911 Humane rescue law team XX/XX/XXXXsite total protections trusted site sales boosting overview oversight by Webmaster LA- Help Desk work for anywhere XX/XX/XXXX pin code Verify by XXXX Abuse report merchant fraud ebt food sale authorizing EBT Snap entry method swiped approved online hatch XXXX on XX/XX/2020 Invalid # XXXX approved code XXXX total UDS {$3.00} FD Balance XXXX XXXX United States XXXX XXXX XXXX secured profile 's XX/XX/XXXX XX/XX/2020
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2020 the balance of the debt was paid in full. As of XX/XX/2020 I called the institution with an attempt to update my credit report and have the collections removed from my credit profile, but the very polite customer service agent made me aware that this type of issue is beyond her scope of business. As a result, I am now asking that the account be removed from my credit profile
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A