Date Received: 2020-06-11
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 contacted XXXX and XXXX XXXX services several times concerning my inquiries and they have refused to remove the fraudalent inquiries and accounts off of my credit report. This is causing me major financial damage. Also XXXX XXXX Bank is reporting a fraudalent auto loan in my name. Navy federal credit union is also doing the same thing. I have been a victim of identity theft and all of these companies have failed to correct the inaccurate information. XXXX is also reporting collection accounts for student loans. These companies need to be made liable for iaccurate reporting and are violating my federal rights under all of the FCRA 605, 623, AND 611. IF INFORMATION IS NOT CORRECTED MY ATTORNEY HAS NOTIFIED ME WE WILL GO TO FEDERAL COURT FOR SERIOUS COMPENSATION AS WELL AS MY FEES PAID FOR LEGAL SERVICES.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Saturday the XXXX of XXXX 2020, I made two cash deposits at Navy Federal Credit Union. The branch is located at XXXX XXXX XXXX XXXX XXXX, VA XXXX. The first transaction I successfully completed was at the branches " drive-up '' atm for {$2600.00}. After noticing that a line of cars were behind me, I made a decision that it would be kind of me to complete my next transaction with the left over funds at the " walk-up '' atm. When I walked up to the atm with cash in hand, I noticed TWO cameras that monitored me. After I deposited what I explained to NFCU 's fraud department to be around $ 450- {$600.00}, the atm completely shut down. I called NFCU and waited there, on camera, explaining the entire situation. Within about 36-48 hours, NFCU told me they had no record of the transaction, so I decided to dig a little bit deeper and gather some information. They admitted to me that during their first investigation, they failed to contact the victim, failed to check time stamped video evidence, and failed to check the correct atm. Now 4 days into the matter, I asked them to re open the case and complete a proper investigation. I am now on day 12 in total, spent a total of 8-10 hours of phone time dealing with this matter over the 12 days and completely have been mistreated as a consumer and as a non-conflicting customer of a financial institution. The country is already in a tough scenario with racism and not too mention a pandemic. I have lost trust in NFCU, as it currently stands, I was robbed blindly by a systematic and mechanical error, that is no fault to the consumer. I just want my money back that as their customer, should feel safe depositing to them.. I strongly believe that an audit of their investigation process should take place, as they clearly fail to gather, receive, and acknowledge most of any/all facts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23231
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am an XXXX XXXX XXXX XXXX and have been living in MD since XXXX when I arrived there on my first assignment. I purchased a home in XXXX, MD in XX/XX/XXXX just before the housing crisis. By XXXX, the market had completely crashed and I decided to move out of the area. I have owned the home for over 12 years hoping that the market would recover and I could sell, but it never did. Over the years I have lost a tremendous amount of money managing the home as a rental - losing money on rent, dealing with tenants who refuse to pay, break -ins XXXX damage to the property, crime etc ... recently I tried to list the home for short sale. However, due to market factors that are out of my hands this is not a viable option. I believe that returning the collateral back to the bank through cash for keys or deed in lieu of foreclosure is the only way to settle this matter. I did not make my XXXX payment as I was planning on starting this process with the bank. When I got paid on the XX/XX/XXXX, I transferred my money to a different banking institution. Despite the fact that I had a pending transaction and had shut off my payments to my mortgage, Navy Federal Credit Union took it upon itself to withdraw money from my account in an unauthorized transaction. I called the bank and disputed, but they refused to return the money. I received many harassing phone calls during the weeks I was delinquent and constantly reminded that I owed the money. On the XX/XX/XXXX, I went to the bank to communicate my intentions to give back my keys and return the collateral through one of the aforementioned programs. When I arrived, I was told that there were limited services due to COVID-19 policy and that they would not allow me to speak to an associate regarding a mortgage. I told her it was imperative that I speak to someone. She insisted that I disclose details of my issue in front of other customers waiting in line ( clearly a private matter ) and that " they don't resolve any mortgage issues at local branches ''. I was finally allowed in after calling the banks mortgage service from the parking lot. I have been in good standing with this mortgage for over a decade, but I feel that owning the home is no longer tenable due to the financial and emotional burden it has placed on me and my family. I am absolutely appalled by the banks general demeaner and attitude towards me and feel it is necessary to settle this matter before I retire from XX/XX/XXXX in XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Navy federal credit union has two of my closes accounts. Credit card and closed car loan amount. My phone number is blocked in there system and determined i am NOT allowed to dicuss settling these accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened 2 credit cards with Navy Federal Credit Union the first one in XXXX I think and the second once like 2 or 3 months ago. Credit cards been in good standards, I always use my credit card no more than XXXX XXXX dollars and I pay it back same billing period. The first credit card was increased from XXXX to XXXX 2 or 3 months ago and the second one I was approved for XXXX dollars. I just discovered 3 days ago that my credit card disappeared from my online banking without reason. I called to the bank and I was told that my credit card was restricted due to and investigation that the bank in doing on my account but without reason, they refused to provide a reason, which I dont understand because my account are and always been in perfect status. Also I dont agree that they remove the credit account from my online banking for no reason -my account always been in good standards -fraud was not reported or involved in my account -my checking account is in good standard also -I never been notified of anything that the cause the closure of my account -Also I dont understand the propose of taking out those credit card even restricted from my online banking -I dont understand the propose of not telling me what is going on or what caused an investigation in my accounts if those are my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2020, I received my PPP loan which I had deposited into my Navy Federal Account. I have 4 different accounts with navy federal and have always conducted my business with my personal accounts. When I applied for my PPP loan, I did not have a business account. I was using my personal account. After hearing stories about Navy Federal freezing customers accounts, I went into the branch and advised what did I need to do. I took in my docusign paperwork from my PPP as well as my application that was submitted. I also took my XXXX paperwork which proves I do have a legitimate business. The lady advised me that I would be fine because I came and to let them know. This was 2 weeks before my ACH hit. On yesterday, after calling about something else, the rep immediately placed me on hold and told me that she was having issues with her system and placed me on hold. Soon after, a supervisor picked up the phone and advised that I needed to go into the branch, take my ID and business information and my funds will be released. Cool!!! I did that. Spoke with a member service rep and she told me that I can not conduct business out of a personal account. My response was, how can you tell me how to use my money that I make? I have had very rude experiences. All 4 of my accounts with Navy are frozen. All my money is tied into Navy Federal. I advised them that I have paid bills and I have a house payment that will be coming out as well. The lady told me that she is sorry but it will be returned. So I asked who will be responsible for it and she told me that I would. I can't understand why my accounts are being frozen to begin with. I applied for the PPP loan, I got approved. This has nothing to do with Navy Federal. I also have a family of XXXX to feed and bills to pay to keep a roof over me and my children head and Navy Federal have no concern in the world. I understand people do some fraud activities and I respect the verification process, however, I verified and proved that I have a legitimate business. If Navy Federal had any stipulations with PPP loans going into a business account, then they should have noted that on their website advising their customers. This money was giving to me to keep my business running. If I don't pay my building fee, then I am going to lose what I have worked so hard for all because Navy Federal is indulging into something that has nothing to do with them. I am livid. Every time I call it is always, well we have to verify. The company did an ACH, what is it to verify.This is my money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I contact my bank after 19 years of accounts, to get a business cc, I was originally told they were not accepting nay applications for credit cards, then I asked to speak to a manager, or see this policy in writing then the representative stated she would send me the application, I filled it out and submitted back to the bank, and wait almost 4 weeks to then receive a denial of credit, I do not have any outstanding debt payments are made timely, for my mortgages ( 2 ) and no other derogatory statements on my credit. I am attempting to build my business credit and have been rail road I then received a letter the next day I asked about the credit application stating denial without significant reasoning on what I was denied
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-06
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Navy Federal Credit Union placed several restrictions in my account after filing for Bankruptcy for a medical reason. On 2017 someone used my card without my permission and Navy Federal denied the dispute claim and they deducted the money from my checking account. As I was presenting medical issues and difficulties To pay the negative balance from the reason mentioned before, they closed my account. Then I stated making payments in that negative account until I had to file for Bankruptcy. Now after my bankruptcy was discharged All the time when I apply for something I get declined because I caused a lost to Navy Federal Credit Union per the credit Departament, once I try to call them they transferred me to Bankruptcy Depto trying to collect the money that was discharged on the bankruptcy. My bill pay service is also restricted in my account and they dont let me use bill pay because the balance that I have with the bank, balance that is discharged already in a Bankruptcy court. They say until the discharged balance dont get pay I will keep restricted of using bill pay and also there is many issues with XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2020-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a mortgage loan with Navy Federal Credit Union on XX/XX/2020. I submitted all of my income information, bank statements, W2s, tax transcripts. I was given an email address and phone number for the loan processor XXXX XXXX XXXX ID # XXXX Phone number ( XXXX ) XXXX x XXXX Email address XXXX I waited for 2 days on XX/XX/2020 I called XXXX in the morning for an Update. XXXX did not pick up so I left her a message. I called again 4 hours later, again no pick up and call back. On day 3 on XX/XX/2020, I called first thing in the morning around XXXX XXXX thinking there may be a time difference, again left a message and no call-back. Day 4 on XX/XX/2020 I get an email with a document uploaded to my Navy Federal dashboard with my credit denial letter. I check my credit score my Navy Federal dashboard it is XXXX. They sent me a denial with a XXXX score. This enraged me since I had more than adequate income and availability of down payment for approval. I was not given a counter offer either and no one called me back. I feel they discriminated me as a minority and offer their no down payment programs to only their favored races. So I called them that even an FHA loan requires XXXX FICO, and my XXXX is XXXX then they said someone will call me back since I said I may file a complaint. I get a call this morning the lady says I need to call XXXX because my credit score was under XXXX their guidelines. When I got denied credit, I applied at another mortgage company which pulled my credit again, which must have dropped my score from XXXX to XXXX, but that is still over their guidelines of XXXX. The mortgage company sent me a pre-approval and said I can start looking for homes. I even qualify for higher amount of loan. So I feel somewhere discrimination happened, either in processing or underwriting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX I applied for a auto loan with NFCU for a XXXX XXXX XXXX. I was approved the for the loan in the amount of {$13000.00}. Within 3 weeks, I decided to refinance my loan through XXXX XXXX XXXX for a cheaper interest rate. On XX/XX/XXXX the loan was paid off by XXXX XXXX XXXX in full from the payoff amount provided by Navy Federal Credit Union. I recently applied for a loan ( not NFCU ) and noticed that there were some inaccurate information being reported by NFCU on XX/XX/XXXX to ( XXXX, XXXX, XXXX ). The lender have since reported that the car was purchased in XXXX ( which is inaccurate ), and that I had paid my car payment late for several months ( up to 120 + days ) leaving an account balance of ( {$1800.00} ) which had to be written off. If you review my report from the previous month it shows the account being reported accurate as ( Paid, closed and never late ). As of XX/XX/XXXX my report is now showing an inaccurate amount, multiple late payments and settled less than the balance which is unacceptable/inaccurate. I am applaud that a company would fraudulently report inaccurate information that has now caused me to receive credit denials for loans when the information is incorrect. I have been a customer with NFCU bank since XXXX and currently hold several large credit limit credit cards, personal loans, checking and savings account with them. If the inaccurate information was correct, I am almost sure they would've not extended multiple credit cards, personal loans and or checking/saving accounts to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A