Date Received: 2020-12-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2020 I received a letter from NAVY FEDERAL CREDIT UNION, stating that I owe on an alleged debt. This letter contained violations to my rights pursuant to Title 15.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: During XXXX and XX/XX/2020 I was affected by COVID-19 and was unemployed for 3 months. Those months being XXXX, XXXX, and XXXX. This afftected by payment history with Navy Federal Credit Union in those month. Relief was seeked and it was agreed upon that this would not affect my credit reporting due to the relief under CARES Act. As with other natural disasters and emergencies, your creditors or lenders may be willingand in some case are requiredto provide forbearance, loan extensions, a reduction in interest rates, and/or other flexibilities for repayment. Some lenders are also saying they will not report late payments to credit reporting agencies or are waiving late fees for borrowers due to this pandemic. Under the CARES Act, in certain situations, lenders are required to report your accounts as current.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45236
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Set up Auto-Transfer for Auto Loan Payment of {$990.00} on XX/XX/XXXX for loan installment due from my same institution checking account. When I went to verify the auto loan payment was pending on XX/XX/XXXX, there did not appear to be any payments pending from my checking account to my auto loan. Initiated another payment of {$990.00} from checking account to auto loan to ensure payment was made for XXXX billing cycle. Auto transfer appeared to show it was queued up to transfer funds to my auto loan. On XX/XX/XXXX, after checking balances and transactions within my checking account, noticed 2 payments made to my auto loan. One in a pending status, the other posted on XX/XX/XXXX. Called Navy Federal to have pending payment cancelled. Customer service rep told me she could not stop the pending payment in process, but I could call back after payment posted on XX/XX/XXXX to have the duplicate payment reversed. I asked if anything could be done on the banking/checking account side to stop the payment and was advised it could not since all loans and accounts are on same system. Requested to file a complaint due to poor customer service and loan payment experience. I was put on hold 2 different times for 3-5 mins and was never connected to supervisor to initiate complaint. I was informed I could call back later to file the complaint or work to have the already posted loan payment reversed since the pending payment would still ensure my XXXX cycle was paid. Both options were poor ones and advised I would be filing a complaint with CFPB.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX Office of the President Navy Federal Credit Union PO Box XXXX, XXXX, XX/XX/XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXXXXXX United States AFFADAVIT OF TRUTH Dear To whom it may concern, Pursuant to Federal Law 15 U.S Code 1692g Validation of Debts, Navy Federal Credit Union & XXXX XXXX the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor. I am XXXX a natural person in flesh, the consumer, demanding the name and address of the original creditor of this alleged debt owed. This alleged debt is assumed to be valid, which it is not valid per my rights pursuant to Federal Law. The continuance of the debt collector Navy Federal Credit Union & XXXX XXXX reporting this alleged debt on my alleged consumer report is a violation of my rights pursuant to Federal Law. 15 USC 1692A 803 Definitions ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. 15 U.S Code 1692g Validation of Debts ( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. Pursuant to Federal Law 15 USC 1602 the term creditor refers only to a person, banks can not extend credit pursuant to Truth and Lending Act only a person. A creditor must incur something which means take liability. These acts on behalf of your company are unfair credit practices and or reporting that undermines the public trust. B anks are debt collectors. Pursuant to Federal Law 15 USC 1602 the term bureau refers to only the Bureau of Consumer Financial Protection. It is a willful noncompliance and violation of my federal rights of privacy as a consumer to share personal information to 3rd part y organizations such as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my written consent. 15 U.S. Code 1602 - Definitions and rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) BUREAU. The term Bureau means the Bureau of Consumer Financial Protection. ( c ) The term Board refers to the Board of Governors of the Federal Reserve System. ( d ) The term organization means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. ( e ) The term person means a natural person or an organization. ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. ( i ) 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. ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. ( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. ( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. ( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card. A national bank has no power to lend its credit to any person or corporation. ... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637. There is no doubt but what the law is that a national bank can not lend its credit or become an accommodation endorser. XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Pursuant to Federal 15 USC 1681i any and all inaccurate or unverifiable information must be promptly deleted from the consumer file. I have contacted XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX in reference to the inaccurate information and these organizations continue to violate my Federal Rights willfully. Pursuant to Federal Law USC 1681s-2 ( b ) provides a private remedy to injured consumers. Thus, a consumer can sue a company for furnishing inaccurate and/or incomplete information. In this case, the furnisher allegedly failed to take prompt and appropriate corrective action once it was notified that it had reported inaccurate information. Toby D. NELSON, Plaintiff-Appellant, v. CHASE MANHATTAN MORTGAGE CORP., Defendant-Appellee. Philbin v. Trans Union Corp., 101 F.3d 957, 962 ( 3d Cir.1996 ) ( quoting 15 U.S.C. 1681 ( b ) and Guimond v. Trans Union Credit Information Co., 45 F.3d 1329, 1333 XX/XX/XXXX ) ( citations omitted ). Title 15 U.S.C. 1681i ( a ) provides in relevant part : If the completeness or accuracy of any item of information contained in [ her ] file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. Sections 1681n and 1681o of Title 15 respectively provide private rights of action for willful and negligent noncompliance with any duty imposed by the FCRA and allow recovery for actual damages and attorneys ' fees and costs, as well as punitive damages in the case of willful noncompliance. 1 Pursuant to Federal Law USC 1681 A, a consumer report does not include any authorization or approval of an extension of credit or any communication among persons affiliated by corporate control. The alleged debt owed that the debt collector Navy Federal Credit Union & XXXX XXXX is reporting on my alleged consumer report is a blatant violation of my rights pursuant to Federal Law. 15 USC 1681a Definitions ; rules of construction Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) CONSUMER REPORT. ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; Pursuant to Federal Law 15 USC 1681 B My personal information is not to be furnished on any consumer report or with anyone without my written instruction. This is a willful violation of my Federal Rights as a consumer. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Pursuant to Federal Law 15 USC 1692 C, the debt collector Navy Federal Credit Union & XXXX XXXX must cease collection, and communication of in reference to the alleged debt owed that I am refusing to pay. This inaccurate collection is an inconvenience to me and my future as a consumer. Sharing my personal address with other organizations to furnish on a consumer report without my permission willfully is a violation. Navy Federal Credit Union & XXXX XXXX has violated my rights pursuant to Federal Law by communicating with a third party about an alleged debt owed. 15 USC 1692 Communication in connection with debt collection ( a ) COMMUNICATION WITH THE CONSUMER GENERALLYWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. ( b ) COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) CEASING COMMUNICATION If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. 15 USC 1692b 804. Acquisition of location information Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector Pursuant to 15 USC 1692E ( 11 ) Navy Federal Credit Union & XXXX XXXX initial communication with a consumer must be disclosed that they are a debt collector and there is an attempt to collect a debt. I the consumer have not received disclosure written or oral stating that Navy Federal Credit Union & XXXX XXXX had the intent to collect a debt or that they are debt collectors. This is a willful violation of FEDERAL LAW and my rights as a consumer. This alleged debt is now null and void. A debt collector may not use any false, deceptive or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. 15 USC 1692E False or Misleading Representations ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. Pursuant to 15 USC 1692E ( 3 ) Any communication from an attorney on behalf of Navy Federal Credit Unoin & XXXX XXXX is a violation of FEDERAL LAW. The letter sent to me from XXXX XXXX is signed by a legal assistant. As a consumer this is willful violation of my rights pursuant to FEDERAL LAW. 15 USC 1692E ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) I am invoking specified remedy as a consumer. I am demanding monetary relief of {$100000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit. I am also demanding any balance for any alleged debt owed reported on my alleged consumer report to be zeroed out and report as paid in full. 15 U.S. Code 1692g - Validation of debts ( c ) ADMISSION OF LIABILITY The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 15 U.S. Code 1692h.Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. 15 USC 1681 ( n ) ( a ) any person who willfully fails to comply with any requirement under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of damages sustained by me the consumer of {$1000.00} per violation. I certify under penalty of perjury that the foregoing is true and correct. Respectfully, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We spoke to our mortgage company in XXXX about a possible Deferment. In XXXX we spoke to them again after discussing our options and to make sure we understood everything. We spoke to multiple customer service agents and they said if we take a deferment then the would put our missed payments to the back our our loan and that the loan would be extended to take care of any payments we defer. Before agreeing to take a deferement we called back again to trip check and make sure we understood the process and the customer service agent again told us that the deferred payments would be placed at the back of the loan and we would have additional months to payoff the months we were deferring. XXXX my husband and I agreed to take a 3 month deferment during the height of covid. In XXXX we spoke to our mortgage company again and prepared to make our regular payment, then the offered us another 3 month deferement. We asked again if these payments would be put on to the back of the loan and if the term would be extended and the agent told us yes this is correct. We took another 3 month deferment until until XXXX. We received a letter from our mortgage company on XX/XX/XXXX and called in to go over the letter and check to make sure we understood it correctly. Our balance before taking the deferment was {$250000.00} and it said that we were past due {$10000.00} for the deferred payments. We spoke to the agent and again they said we would be given additional months to payoff the deferred payment. We confirmed that the deferment was over and were ready to make our regular payment, and the agent said they were still processing our deferement, so we weren't able to make a payment until XXXX. We took another look at our amortization schedule in XXXX and instead of deferring our payments and having additional months to pay the loan off, they took the {$10000.00} and added it into the principal of our loan and just attached it as a lumpsum payment on our final payment. So now instead of owing {$250000.00} and having an extra 7 months to pay, or balance increased to to {$260000.00}. My husband and I called the mortgage company on XX/XX/20 and asked what our balance was on the loan and a gentleman by the name of XXXX told us that it was {$240000.00}. He said he didn't see that we owed and additional {$10000.00}. So we called back and spoke to a woman in th mortgage department and told her we were confused about having the additional {$10000.00} added to our balance. She this amount was for the months we missed. We told her that we spoke to numerous agents to make sure we understood the process correctly and they didn't tell us the deferred months would be added to the balance, but that we would be given additional months to pay off the balance that we owed. We couldn't come to an understanding with her, so she transferred us to another associate in the deferment department. We got on the phone with the next agent and explained the situation and what we were told by numerous agents before we agreed to take a deferment. She said we didn't understand the process and that we can't expect to live there for free. I explained to her that we spoke to numerous agents in XXXX and XXXX before taking the deferment and also when we received the letter to sign for the deferment in XXXX we spoke to another agent. They all told us the same thing, that we would have additional months to payoff the deferred months and no one mentioned that the payments would just be added to our current balance. The agent told me that's not how the process work and that i need to go to the message center and ask for the calls to be monitored from our previous conversation and there was nothing else she could do for us. We sent in a request to have the calls played back, but we haven't heard back from anyone yet.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76210
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I have a Good credit score at XXXX points. I have very little debt, compared to my income. I have only ever paid 1 account late, due to becoming XXXX, which caused that 1 account to go 6 months past due, more than 3 years ago. The XX/XX/XXXX agreed to guarantee my loan in full, in accordance with the Transportation Loan Guarantee program provided to people with XXXX, pursuant to the Rehabilitation Act of 1973. However, Navy Credit Union discriminated against me, due to my XXXX, by denying my auto loan application for arbitrary reasons of : 1. Too many recent accounts ( my recent accounts are as a cosigner destructing LLC debt to lower interest rates ) 2. Serious delinquency ( due to my XXXX over 3 years ago, and only on 1 account ) 3. Too many accounts with balances ( I only have 3 credit card balances ) 4. Ratio of balances to credit limit too high. I only have 3 credit cards with less than {$3000.00} in total balances ). The reasons for the denial do not accurately reflect my credit report, and credit score of XXXX. Furthermore, I appealed the denial seeking reconsideration given that the State of California, through the XX/XX/XXXX, is guaranteeing the transaction through a Federally mandated program for people with disabilities. Navy Credit Union ignored this loan guarantee information and denied my application.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I transferred {$50.00} from my Navy Cash Rewards Visa to my savings account on XX/XX/XXXX. I checked my balance on XX/XX/XXXX and the account showed a XXXX balance. I sent Navy Federal a message twice on the app and they responded and notified me that they took the money to pay off a debt I owed on an old checking account that was closed. My issue is that the money was taken without my knowledge or authorization. They just took the money out of my account without letting me know to satisfy a debt. I asked them to send me a bill. I attached a screenshot of the message reply I received back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20110
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a Navy FCU credit card account that was opened in XXXX and closed in XXXX. It had a {$1000.00} limit was closed with a XXXX balance. They are reporting current use in XXXX and 120 days late with several payments in XXXX and XXXX. This is all completely false information and they refused to adjust my credit report. In addition, it now shows a recent payment of {$250.00} with I have no knowledge of and a current balance of {$2100.00} when the limit was only {$1000.00} when I had the account. I want this false information removed immediately as it has dropped my credit score by 100 points and is stopping my from using any credit whatsoever. Again, I closed it in XXXX, it 2as never late with a perfect payment history and closed with a XXXX balance. If someone is using this account they should be prosecuted for credit card fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46234
Submitted Via: Web
Date Sent: 2020-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-21
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: I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: A request from XXXX XXXX was submitted to NFCU to transfer rollover XXXX monies to XXXX XXXX. NFCU sent the check to the wrong address and put the wrong name on the check. They have not made any attempt to get the monies back and they are just waiting for something to happen. I am out {$12000.00} and have no idea when I can get NFCU to complete the requested transfer to my account at XXXX XXXX to buy a XXXX annuity Can you get them to act on their mistake.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A