Date Received: 2020-09-01
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 have a loan with NAVY FCU, XXXX XXXX, and XXXX XXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, NAVY FCU, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The mortgage servicer failed to foreclose on an abandoned property in a timely manner. This caused negative impacts to the XXXX XXXX ( XXXX ) and its residents in several ways : - Delinquent assessments and collection fees. XXXX assessments have not been paid since XX/XX/2019. Delinquent assessments currently exceed {$2000.00} and continue to accumulate. The home has degenerated into a poor condition with associated loss of value so the XXXX does not expect to recover these assessments when foreclosure eventually occurs. These costs will ultimately be paid by the XXXX and its members. - Security issues. After the property was abandoned, it became a magnet for squatters who broke windows, stole parts of it, and aggravated surrounding neighbors. The XXXX expended resources to board up the doors and windows to discourage squatters. These costs will ultimately be paid by the XXXX and its members. - Property maintenance. To reduce blight, the XXXX continues to expend resources to mow weeds in the front yard. The XXXX is now considering considering turning the water back on so it can restore the front lawn. These costs will ultimately be paid by the XXXX and its members. - Reduced property values in the neighborhood. The abandoned home is an eyesore and a security risk and we believe it has reduced the value of nearby properties. This is difficult to quantify, but the home next door was recently on the market for sale several months longer than expected. The XXXX asked the mortgage servicer to help in this matter but without success.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern : Navy Federal Credit Union is reporting an alleged account with the balance of {$4700.00}. This alleged account was never validated and is in violation of the FDCPA. Please delete asap. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern : Navy Federal Credit Union is reporting an alleged account with the balance of {$10000.00}. This alleged account was never validated and is in violation of the FDCPA. Please delete asap. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern : Navy Federal CU is reporting an " alleged account '' in the amount of {$14000.00}. This " alleged account '' was never validated and is in violation of the FDCPA. Please delete asap. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
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 have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) and NAVY FCU. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) and NAVY FCUwith no successful resolution. There was definitely an error on their part.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
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 have a loan with XXXX XXXX, NAVY FEDERAL CR UNION, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, NAVY FEDERAL CR UNION, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
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: relative to your response on ticket XXXX " Company still working '' STATUS " Company response is in progress as of XX/XX/2020 The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. '' COMPANY 'S INTERIM RESPONSE " Our review of the matter is in progress and we will respond as soon as possible. '' This eMessage ( see below ) was NFCU 's last response to my concerns, where they told me in written ( my preferred method of communication ) they considered the matter closed. As far as I know this eMessage ( see below ) was from Mr. XXXX XXXX, one of the Two VP 's and one AVP who blew me off. Although it was not signed and was sent to me via a Generic eMessage account, not Mr. XXXX XXXX XXXX official work email account. Navy Federal Response XX/XX/2020 : " XXXX XXXX, thank you for your eMessage. We regret that we were unable to provide you with a more favorable response. At this time, we consider this matter closed and will no longer respond. If you have any additional questions outside of this matter, please let us know. Thank you ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have or had a bank account with navy Federal Credit Union. I opened the account earlier this year. I recently had identity fraud on my credit and resolve in police enforcement. I am rebuilding my credit in retrospect to the damage incurred from the identity fraud. I have other lender accounts. During this pandemic and lack of work I have been collecting unemployment. Earlier this year a job offered me income for business development that I do with my ITIN and file taxes accordingly. The check bounced and the bank repremanded me by charging off my card. One check of three bounced the other two cleared. I don't have a safe stay at home scenario during this pandemic. I have stayed in hotel 's reasonable and the hotel charged my card XXXX XXXX and XXXX fir a two day stay. Navy Federal Credit Union has reopened my card access with conditions in XXXX. Then recently as last week I spoke with someone from the credit union about these miscellaneous items on my bill. They agreed it seemed I was being fouble billed for misc stuff after a cyber attack from a XXXX computer tech visiting. We happened to communicate with them on this topic and baby Federal credit my card as these charges weren't specified. This week I notice three charges from good XXXX and one totalling XXXX and two at XXXX and XXXX on the same day. I also reminded them of a false claims to XXXX on my card twice from an online vender. The credit union ask for reference in email which supposedly claims that I was obligated contractually to the vender. Navy Federal Credit Union removed the items and my card without notifying me. I called later that night because my card declined a XXXX balance. I called them night before last and they said the security office was closed. Call back in the morning to reactivate my account card. I did so and was told my card is closed and not eligible for reactivation or replacement because of a deposit in may on my check that didn't clear I didn't receive any revenue from. I just want to notify the bankers Association that when I try to survive I'm confused because the bank I invested in with a credit union. Wants to punish me instead of advocate for my account security. They want to justify closing my account and refusing access to my income. Mind you I pay for my living situation during a pandemic. I am XXXX yet again. Sleeping on streets where my wallet or other personal information will be exposed to theft. They claim I'm at fault out of state ID and weird charges on my account. Great day for justice and banking XXXX XXXX direct line XXXX Office
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
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 has been over 30 days and i have not received any investigation results.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34638
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A