Date Received: 2020-05-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navy Federal is reporting a closed credit card account on my credit profile that I was an Authorized User. The account is negatively impacted my credit, which is unfair because I was not responsible for this debt as an authorized user.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2020-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: NAVY FEDERAL CREDIT UNION CALLED MY SUPERVISOR ON XXXX XXXX, KENTUCKY AND THREATENED TO SUE TO REPOSSESS MY CAR. THIS BANK IS EVIL AND NEEDS TO BE DESTROYED. THE PRESIDENT OF THE BANK CALLED ME A XXXX AND A XXXX TO MY FACE. THIS IS THE MOST XXXX BANK ON THE FACE OF THE EARTH. THEY DO NOT NEED TO BE IN BUSINESS UNLESS THEY FIRE THE ENTIRE EXECUTIVE STAFF. THIS IS A CULTURE OF CORRUPTION. THEY ALSO HAVE NOT TOLD ME FOR THE 3 TIME WHAT IS THE XXXX IS FOR. BECAUSE THEY KNOW ITS A LIE AND A FRAUD. THIS WAS A SECURDED ACCOUNT IT WAS PAID IN FULL. THIS IS OUTRAGOUS. UNTIL THIS ACCOUNT SAYS XXXX I AM NEVER GOING TO LET THIS GO NEVER EVER
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2020-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I HAVE A XXXX CREDIT CARD, ITS A NAVY FEDERAL CREDIT CARD ACCT # XXXX. THERE IS SOMEHOW A LATEPAYMENT ON MY CREDIT REPORT, I HAVE 100 % NEVER BEEN LATE!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85259
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I hereby declare that the following is true and fact : The Navy Federal investigators determination regarding the herein referenced dispute, filed on XX/XX/XXXX, and the Merchants claims of a purported debt appears to be founded upon a false record, in violation of U.S.C Title 18 2071 and 2073 and further ; uttering and possessing false obligations and in violation of U.S.C Title 18 -471,472,473 and or 513, and further using XXXX business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C Title 18 1961 et.seq. I hereby declare that the disputed charge of {$1500.00} is a fraudulent charge. I hereby declare that no valid Bill of Sale exists which obligate me to pay XXXX XXXX XXXX anything. I hereby declare protest and appeal to Navy Federal Credit Unions prejudicial claim determination regarding this matter. I hereby declare that Navy Federal Credit Union is willfully conspiring with XXXX XXXX XXXX to charge my account in the amount of {$1500.00}. I hereby declare that Navy Federal Credit Union or its claims investigators are not in receipt of any verified evidence which prove that XXXX XXXX XXXX ( merchant ) has a right to charge my account. I hereby declare that the all evidence or proof used by XXXX XXXX XXXX pertaining to this matter are void and or misrepresented. I hereby declare that I intend to sue Navy Federal Credit Union for the prejudicial decision of its claims investigators who have violated my reserved rights by allowing fraudulent charges on my account. I hereby declare that Navy Federal Credit Union willfully refuse to provide me with all accounting papers and documents used to determine my claim as requested. I hereby declare that because I have filed previous dispute ( s ) unrelated to this matter, Navy Federal Credit Union is discriminating against me regarding this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Navy Federal Credit Union ( NFCU ) website has published refinance rates that appear to welcome you ( teaser rate ) to apply for a mortgage loan. In the comments below they add another 3/4 % to the rates if your current mortgage is not with NFCU. I have been a member for many decades and it does not make sense that as a current member I have to pay more to use a credit union service. Spoke with customer service twice and basically my impression was that management made the decision to tack on this additional cost mid XX/XX/2020. I understand that NFCU is busy with providing services but as a current member they want me to pay more than someone who is not a current member. This is information in quotes that NFCU has on its conventional mortgage website : " Rates displayed are the as low as rates for purchase loans and refinances of existing Navy Federal loans. Rates for refinance loans where the existing lender is not Navy Federal are subject to a 0.750 % higher rate. '' I don't believe this aligns with the fair lending act and feels a bit discriminatory. NFCU is excluding current members with mortgage loans elsewhere from enjoying/benefiting from the interest rate under a refinance. NFCU is excluding a large group of members from refinance since the added fee makes the cost higher. " Disparate Impact A lender 's policies, even when applied equally to all its credit applicants, may have a negative effect on certain applicants. For example, a lender may have a policy of not making single family home loans for less than {$60000.00}. This policy might exclude a high number of applicants who have lower income levels or lower home values than the rest of the applicant pool. That uneven effect of the policy is called disparate impact. ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XXXX Bank accounts were requested to be opened with XXXX XXXX, Navy Federal Credit Union and XXXX. Three fraudulent accounts were successfully opened on XXXX. All three banks have been notified and have started investigations. My local police department has also been notified.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33327
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX I received an escrow analysis causing my payment to increase for the fifth year in a row. I cancelled my insurance and obtained insurance on my own out of pocket. I contacted my navy federal credit union to cancel the escrow account, stating I have my own policy and the property tax will be handled by me as well. They have been extorting excessively high escrow fees for five years now! Im a XXXX veteran on SSDI. This escrow extortion has been out of control. Im nearly paying two months of principal, its outrageous. My principal is only {$530.00}, with escrow now, its {$900.00}. Thats insane, they make up some lies about the VA required them to have an escrow account. Since Im paying my own insurance out of pocket now, my escrow should at least reflect that, which doesnt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 81004
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Was depositing my cash In the amount of {$320.00} at the atm in XXXX atm. the the atm short down and took my money. I call and informed the bank about what happened. they said they were going to investigate. they later credited me {$60.00}. they said the day that took my information said that I said I deposited 3 {$20.00} dollar bills. I called then again to have it fix but they did nothing
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX CR UNION Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$6200.00} written off. {$6200.00} past due as of XX/XX/XXXX. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 3. Please provide a complete account history, including any charges added for collection activity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2020-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: i disputed two accounts one for {$1000.00} and the other {$4600.00} from the same company that was reporting on my credit report which i send by certified mail usps on XX/XX/XXXX which the company received both letters on XX/XX/XXXX. under the fair credit reporting act they have 30 days to investigate and furnish the credit bureaus with the required disclosure within the period required by law. i pulled my report to find that they did not do so. they fail to mark both accounts disputed with all credit bureaus not only that the last date of active shows 3 different months and showing the year of the last active as XXXX and on both accounts, are showing different account numbers. and knowing that they failed to furnish the accounts with the bureaus within 30 by law it needs to be removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2020-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A