Date Received: 2020-06-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am trying to get my vehicle perfect payments back on my credit profile I noticed that it mysteriously disapeard after yelling out of anger at a Navy Federal repXXXX All I am requesting is that they ad the account back to my credit file.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have disputed the following account XXXX with Navy Federal they removed the account in XX/XX/XXXX then in XX/XX/XXXX put the account back on my credit report. Under another number XXXX. The reason I have a problem they are not reporting the account correct on my credit file. On all three bureaus the account number should report the same there is all type of inaccurate information that I have pointed out to Navy Federal and they are ignoring me. If you look at the Credit screen shot in which I have included with this email the inaccuracies are in violations of my FCRA rights. Transunion is reporting the account number as XXXX and Experian shows XXXX, Date opened XXXX displays XX/XX/XXXX and XXXX shows XX/XX/XXXX, it is in violation for a closed account to show a payment. Date of last activity XXXX displays XX/XX/XXXX and XXXX shows XX/XX/XXXX. Date of last payment XXXX displays XX/XX/XXXX and XXXX XX/XX/XXXX when you can clearly see on my report that my last payment was XX/XX/XXXX XXXX shows OK but XXXX shows 30 days late. XX/XX/XXXX made a payment XXXX OK, XXXX shows me 120 days late. XX/XX/XXXX XXXX show me 120 days late but XXXX shows 90, made yet another payment in XX/XX/XXXX XXXX shows me 30 days late but XXXX shows OK, XXXX shows the same things XXXX payment OK but XXXX shows me 60 days late and if you look at XX/XX/XXXX I was 120 days late but in XX/XX/XXXX XXXX shows me 120 days late and XXXX reporting 150 days late. All these inaccuracies are in violations of my FCRA rights. I have requesting a 1099-C debt of cancellation they ignored me and took the account off my credit only to put it back on under another account reporting worst than it was. I am requesting this file to be removed from my credit file or provide me with a valid investigation including payment records.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XX/XX/2020 TO : NAVY FEDERAL CREDIT UNION ATTN : XXXX XXXX, President/CEO FROM : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX RE : Complaint and Grievance, regarding events which led up to my PPP application denial Dear Ms. XXXX XXXX, I am writing to inform you that a complaint and grievance process, is being filed with the SBA, and appropriate banking consumer protection organizations in regards to my PPP application submitted XX/XX/2020 and the events which led to my PPP application denial. As a veteran and loyal customer with NFCU, the disrespect, misrepresentation and unprofessionalism shown towards me by a few NFCU employers and supervisors, I believe has led to an abrupt decision to deny my PPP application and approval. As communicated in my communication messages submitted via NFCU secure message center on several occasions, NFCU staff in particular a supervisor named XXXX communicated to me, that I should submit false and misleading documents ( i.e. 1099, Schedule C, 941 etc ) to secure the PPP loan. I communicated that I would not submit any misleading financial documents or federal document to SBA to secure a loan. On several occasions during my application process, NFCU personnel informed me via phone conversation that I needed to submit unrelated documents as mentioned above that were not warranted nor deemed regarding my PPP loan application process and approval. The supervisor by the name XXXX phoned me on several occasions insisting that I submit the misleading documents mention the above. that wasnt relevant nor warranted to me qualifying for the SBA PPP loan, due to the fact that my business didnt start until XX/XX/2020. I informed XXXX that I do not have any employers therefore it is not required by federal tax law that I file a form 941 IRS code. XXXX called me several times harassing me on this issue, insisting that if I didnt falsify a federal form 941, he would do everything in his power to prevent my loan application process and approval. He indicated that he would prevent the continuation of my PPP application and create obstacles to prevent my application for being approved. Furthermore, I was informed that any additional information needed for the consideration of my PPP loan application, it would be communicated to me in writing either thru the NFCU secure message center or email. As to date, I never received any written communication for any additional documents needed for my PPP loan application process. Since the submission of my PPP loan application, NFCU staff and NFCU PPP representatives on several different occasions communicated to me via phone conversation that my PPP application was approved and that I would be receiving via email my promissory note documents by XX/XX/2020. This never happened, I called today to inquirer of my PPP loan application status, and was informed that my PPP application was denied. I called back to inquire for more detailed information on why my PPP application was denied and a supervisor named XXXX with NFCU informed me that the denial came from SBA and he indicated that he did not have any more information concerning my PPP application denial, and I would be getting a denial letter from SBA in 60 days with the specific reasons detailing why my PPP application was denied. Documents submitted to NFCU for PPP loan application 1. SBA PPP loan Application 2. Income Summary Report 3. Financial Statement and Ledger XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28311
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am a member of the XXXX XXXX XXXX who was called to XXXX XXXX for a XXXX to XXXX on XXXX XX/XX/2019. I took my orders into the Navy Federal Branch in XXXX for an interest rate reduction for my credit card ans car loan with them. The lady took my orders and claimed she sent them over. It is now XXXX and I am still waiting for my interest rate reduction. I have contacted them numerous times, sent emails and messages via their website. I keep getting told they are back logged and they will retroactively adjust the payment. That is not the purpose of the act. I am supposed to receive an immediate interest rate reduction, which typically means a reduction in payment amount due to making less money when called to XXXX XXXX. This bank is supposed to cater to military members and they are the only business that has given me the run around. They claim they are backlogged by at least 6 months, which means many military members and their families are effected by this. I have had to use morale calls and free time to try and correct this, at times at the expense of my safety.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied over the phone for a Navy Federal account. I also applied online for a Mortgage. Almost 7 days later, no one has contacted me on the mortgage. I called Navy Federal. 2 associates refused to help me because the initial representative miskeyed my DOB. The " supervisor '' I spoke to has MLS # : XXXX. The correct DOB was on the mortgage app and I asked them if they could verify it from that source - they refused. I asked if they could verify it from their CIP source, they refused. I also offered to verify any other piece of information, including the funding information for the account used to fund the Navy Federal Accounts or any piece of data from the mortgage application. They refused. They completely refused to help me because of an error their own associate made when they opened my account. I can't get information on my own accounts, or status on a mortgage application and I find that to be completely unacceptable.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85718
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX - Mailed an 11-Point Affidavit titled " Conditional Acceptance of Debt Upon Proof of Debt Validation '' regarding account number XXXX via Notary Presentment/Certification of Mailing ( c/o XXXX XXXX XXXX / Minnesota Notary Public, sent Registered Mail # XXXX ) to XXXX XXXX c/o Navy Federal Credit Union at XXXX XXXX XXXX XXXX, XXXX, VA XXXX which was never responded to. Additionally, an agent/representative of Navy Federal Credit Union subsequently updated and " verified '' the information regarding the same account which is currently still being reported to all 3 major credit reporting agencies ( XXXX, XXXX, and XXXX ) with failure to provide proof of method of verification. [ Copy and Proof of Service Attached ] Previously, on XX/XX/XXXX, XXXX XXXX d/b/a Navy Federal Credit Union was mailed an Affidavit of Notary Presentment, Notice and Demand for Complete Audit Trail ( Jurat ), as well as a Non-Negotiable Notice of Adequate Assurance of Due Performance via USPS Certified Mail Number XXXX which contained a pre-filled Affidavit that was never completed, properly endorsed, witnessed by a Notary, and returned. [ Attached ] One month later on XX/XX/XXXX, a Certification of Non-Response/Non-Performance was sent to XXXX XXXX d/b/a Navy Federal Credit Union via USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX. [ Attached ]
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX - Mailed an 11-Point Affidavit titled " Conditional Acceptance of Debt Upon Proof of Debt Validation '' regarding account number XXXX via Notary Presentment/Certification of Mailing ( c/o XXXX XXXX XXXX / Minnesota Notary Public, sent Registered Mail # XXXX ) to XXXX XXXX c/o Navy Federal Credit Union at XXXX XXXX XXXX XXXX, XXXX, VA XXXX which was never responded to. Additionally, an agent/representative of Navy Federal Credit Union subsequently updated and " verified '' the information regarding the same account which is currently still being reported to all 3 major credit reporting agencies ( XXXX, XXXX, and XXXX XXXX with failure to provide proof of method of verification. [ Attached ] Previously, on XX/XX/XXXX, XXXX XXXX d/b/a Navy Federal Credit Union was mailed an Affidavit of Notary Presentment, Notice and Demand for Complete Audit Trail ( Jurat ), as well as a Non-Negotiable Notice of Adequate Assurance of Due Performance via USPS Certified Mail Number XXXX which contained a pre-filled Affidavit that was never completed, witnessed by a Notary, and returned. [ Attached ] One month later on XX/XX/XXXX, a Certification of Non-Response/Non-Performance was sent to XXXX XXXX d/b/a Navy Federal Credit Union via USPS Certified Mail Number XXXX. [ Attached ]
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I took out a credit card to pay a lawyers fee for my divorce in XXXX. I used {$2500.00}, I believe. I paid dutifully on this credit card every month for over 15 years. The credit union stated that I still owed {$1100.00} when I stopped working and missed a payment and the account was taken off of my account online. I have been taking care of my mother for the last few years. I have had very little income during this time. The credit union wanted me to pay the balance but I could not afford to do t his. I spoke to them and complained about the amount I had paid on the original debt, It was 10 times what I borrowed and I had no money to give them. I recieved an unemployment check for {$4000.00} due to Coronavirus measures, and they took the full amount out of my account and refused to return the funds. We need this money badly. I had debts that needed to be paid immediately, we needed food and bedding and clothing and household equipment replaced. I asked them to make a payment arrangement with me instead, but they refused. I believe this is illegal to take a large amount from relief payments. I would like this money returned to me. If needed, I can pay the {$350.00} they offered XX/XX/XXXX, but can not afford to have the full {$1100.00}, and further do not believe it is fair for them to withdraw this without any notice. I will only go further into debt due to this withdrawal. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 49441
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I was scammed on a pup adoption website ( XXXX ) for a good amount of money. The money transfer was done through XXXX and the day of the purchase ( XXXX ) I found it was a scam and submitted a report to my bank ( Navy Federal ) with emails of the transactions that had occurred immediately. After emailing and calling the other party for the rest of the day with no response the bank was not able to get my money back through my fraud claim. I have tried requesting the money back through XXXX and everything else but I still have not gotten my money back and my bank refuses to help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92078
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was stolen and someone tried to use my information to open accounts in my name without my permission these inquires ALL NEED TO BE REMOVED as it is a burden on my life and finances.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A