Date Received: 2020-12-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ON OR ABOUT XXXX XXXX, I MADE AN AUTO PAYMENT WITH THE CURRENT COMPANY. APPROXIMATELY 2 WEEKS LATER, I MADE XXXX AUTO PAYMENT. I CHECK MY SCORES EVERY DAY AND NOTICED NO CHANGES. I THEN NOTIFIED THE COMPANY ABOUT GIVING ME CREDIT FOR EARLY CREDIT. I WAS THEN TOLD THAT THEIR COMPANY REPORTS TO EACH CREDIT AGENCIES A FEW DAYS AFTER THE DUE DATE OF EACH MONTH. AS OF XX/XX/2020 I HAVE STILL NOT SEEN A CHANGE IN MY CREDIT FROM ALL 3 CREDIT AGENCYS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31404
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Around XX/XX/XXXX, I called Navy Federal about funds being available to cover my mortgage in another account. I was told to transfer funds from one account to the other once my military pay was available on the XXXX of XXXX and it would cover the mortgage. I did as customer service advised and transferred. Days later I received an email message to call the security center from Navy Federal. Later I learned I was a victim of phishing. Navy Federal has not helped me at all my accounts were frozen and forms that needed to be submitted it seemed they were unwilling to give them. The credit Union is not truthful to its customers because they told me they paid the mortgage on three occasions and my mortgage and other bills remain unpaid. Lastly, after talking to Navy Federal again today I dont believe they are doing any type of investigation because I was blamed today and XXXX was taken out of my account not even sure when it was taken I asked the customer service and was told I owed the bank over XXXX and the bank was not paying the mortgage. These issues have been going on for weeks. My stimulus check is supposed to go to my account I am a bit concerned about that. It is really sad that Navy Federal treat people in such a manner. Lastly, when I said I was filing a complaint the customer service representative said I could care less.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23323
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of XXXX I lost my job due to covid. I still tried to pay my account when it became overwhelming I ask for a interest rate reduction. The representive told me I qualify for covid relief. Against my better judgement I took the offer. In XXXX I received a 30days late I have been dealing with Navy federal for over 15 years and I have never been late with Navy federal or any of my creditors. I have disputed it three times to no avail. I have emails in XXXX in which I sought a financial evaluation because I was unable to pay. I received a notification that I have a 30 days late which I was completely unaware of. I thought once I had talked to someone I would received further information in XXXX. Navy Federal had refused to correct this wrong. I believe it is dispicable to report negative untrue and unfounded activity when people can barely eat let alone pay their bills. Once I received the 30 days late I immediately contacted navy federal and paid XXXX that I did not have and had to struggle for the entire month. Thank XXXX I am back to work although my salary is extremely reduced. I am seeking help to have this removed. In all my years I have never been late. I could have filed bankruptcy protection because of my financial state but I believe if you borrow you pay back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08332
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Statement showing PAYMENT DUE DATE XX/XX/XXXX//SUMMARY OF ACCOUNT ACTIVITY Purchases {$0.00} INTEREST CHARGE CALCULATION Purchases//Balance Subject to Interest Rate $ XXXX I Processed phone payment XX/XX/XXXX {$400.00} with agent discussed plan to stop making purchases in order to maintain XXXX purchase balance. Agent reversed {$0.00} Interest Charge. My Letter dated XX/XX/XXXX to NFCU. Reply from NFCU indicates reduction in cash limit. Nothing concerning interest over charge interest calculation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76522
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I am requesting the removal of ( 4 ) HARD INQUIRIES, extremely affecting my credit report during COVID-19 Pandemic. The dates are ( XX/XX/2020 ), ( XX/XX/2020 ), ( XX/XX/2020 ), and ( XX/XX/2020 ) on XXXX. The CARES ACT is LAW. ( SEC 4021 ) Any Creditor or Credit Bureau that does not fix any deferred missed payments reported to the credit bureaus are simply choosing to disobey the law and further action on your behalf can result in more issues than a company and/or credit bureau wants to deal with.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2020-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Om XX/XX/20 I bought a washer and dryer off XXXX. Contacted the store VIA messages and asked condition -- they stated good and working also comes with a two month warranty. when they arrived they were broken and the company has refused to come get them and return my funds or fix them. Ifield a dispute with my bank and was told I lost the claim, I summitted screenshots and calls ... they company scammed us. Lied to us and my bank did nothing to help .... I sent all proof within 1 day of the dispute. PLS HELP ME CFPB
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2020-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have two accounts reported by NFCU on my credit bureaus. One credit card account and a loan account. Neither accounts belongs to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It's been well over 30 days and I haven't received any investigation results.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2020-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was informed by the Consumer Finance Protection Bureau to speak to XXXX XXXX regarding my complaint. Mrs. XXXX has blatantly refused to provide the requested documentation pertaining to authorizations for both the debit and credit card accounts. I have repeatedly requested copies of any any all authorizations for any debit cards and/or credit cards. I have not received the requested information after three to five months of requests. This information is required for me to have XXXX XXXX XXXX XXXX XXXX XXXX arrested for stealing my identity. I can be reached at XXXX, XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I am refinancing my existing mortgage with Navy Federal Credit Union and I am at the closing stage. My loan agent was pressuring me to schedule a closing date for Tuesday XXXX XX/XX/2020 and I had not received my closing disclosure. I received it Friday XXXX XX/XX/2020 in the afternoon while I was at work so I couldn't look at it until I got home. When I looked at it I sent e-mails to cancel the scheduled closing because my escrow account was grossly excessive. It had listed a cushion for homeowners insurance at 9 months of {$100.00} and property tax cushion of 6 months at {$470.00} per month for a total of {$2800.00}. My total property tax and insurance bill for the year comes to {$5400.00}. The cushion for my escrow should only be listed at 1/6 of that total according to RESPA section 10. They have my monthly escrow payment listed as {$570.00} which is {$120.00} a month over what it should be if you divide {$5400.00} by 12 months which would be {$450.00}. My total escrow cushion of {$2800.00} plus my 12 months of escrow payments at {$570.00} equals {$9700.00} for the year. My total escrow disbursement for the year is {$5400.00}. I asked my loan agent why the payment was so high and she said it was probably because of inflation. She said she has never heard of RESPA and she has been doing this for a long time and this is how Navy Federal Credit Union handles their escrow accounts. On Navy Federal Credit Unions website it lists their procedure for escrow accounts that is in compliance with RESPA section 10 but the employees don't follow it. My existing escrow account on my current mortgage with them has been handled in the same fashion. I have never had a refund in 4 1/2 years and every year I get a bill for triple the amount of my property tax and insurance yearly increase and my monthly escrow payment amount also goes up.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A