Date Received: 2020-03-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: During the week of XX/XX/2020, I took my son to spring break and staying at several XXXX XXXX chains. I cancelled several reservations due to the COVID-19 and XXXX 's decision to limit and discontinue regular services like room service and so on. On XX/XX/2020, after reviewing my credit card activity online. I saw that XXXX charged my visa card ending in XXXX for XXXX. I immediately called XXXX to get this charged removed. I was transferred at lest 4 times before hanging up. I then called my bank Navy FCU. I explained the situation and the man in the credit card department initiated an investigation. Because I had not heard from my bank about a resolution, I called the bank today and I received horrible service. I was transferred at least 4 times before I got fed up and hung up the phone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my accounts. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-29
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In early XXXX, I was railroaded by an identity theft attack that has resulted in the destruction of my credit file. I first noticed a problem when I was denied for credit and when my credit card was cancelled. Shortly after I began receiving notices from debt collectors. My first attempt to address the matter was to hire a company known as a credit repair service. Months went by and little was done to improve my situation. I began researching how to recover from identity theft which is when I filled out my FTC identity theft report. My FTC report number is XXXX. I printed out all the letters, reports, disclosures, proof of identity and followed every instruction. I mailed out letters to every debt collector, original creditor and all 3 credit bureaus reporting the identity theft to them. My second attempt was to file a police report with XXXX County Sheriff 's Office. My police report case number is XXXX. The results were that most creditors complied with my requests and removed the fraudulent accounts from my report. The credit bureau 's also blocked several accounts such as Navy Federal Credit Union and Discover Financial. Over the course of these past 2 years, these accounts have popped up on my credit file multiple times which results in me spending more time printing and organizing letters, postage costs, trips to the post office, etc. They've also reported multiple account numbers at times, multiple entries and sometimes no account numbers at all. After 2 years of this nightmare, I am ready to have peace restored in my life. I recently went for a HELOC loan from XXXX XXXX and was denied because on my XXXX, Navy FCU is reporting an account. The underwriter understood my situation but was unable to approve me due to this fraudulent and delinquent account reporting. XXXX XXXX account number XXXX is reporting on my XXXX credit file. This account was opened in XX/XX/XXXX. They are claiming the balance due as {$21000.00}. No matter how many times I have mailed XXXX XXXX asking for all documents regarding the account, all receipts, all statements and removal of the account they have ignored me and refused to comply. They sent me 1 packet that had 1 page cover sheet showing a statement balance. That is all I ever received from them. At this point they are interfering and violating my rights under the Fair Credit Reporting Act. Navy Federal Credit Union is reporting 2 accounts for me, Account numbers XXXX and XXXX according to what is reported with XXXX. These accounts were opened in XXXX and XXXX of XXXX. They are claiming my balances as {$27000.00} and {$30000.00}. They are also reporting XXXX of these accounts with XXXX. I have never had any account with navy federal credit union and I have never been in the military. I have mailed Navy Federal over a dozen times in the past 2 years asking for documentation, receipts, statements and to remove these accounts and they have refused to comply. I have never even received a response. At this point they are interfering and violating my rights under the Fair Credit Reporting Act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2018 a credit card was opened using my information that I was not aware of, and I have provided proof that this card is not mine, and XXXX XXXX has ignored any attempt that I have made to rectify the problem, the debt is for {$6200.00} I have been a victim of identity theft for years, and have ask that I be contacted before opening up new accounts and they did not inform me that this account was opened. The account number listed on my credit report is XXXX. Please have them remove this fraudulent information from my credit report immediately, they are not following the FCRA guidelines.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30314
Submitted Via: Web
Date Sent: 2020-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: An unauthorized inquiry that I did not request was placed on my credit report on XX/XX/XXXX from a merchant Navy Federal Credit Union. This merchant was placed in a Chapter XXXX I filed on XX/XX/XXXX. I believe merchant is continually looking into my credit file after the discharge on XX/XX/XXXX. I am requesting an investigation into this matter. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21030
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am a victim of identity theft. I have supporting documents to support my claims that I am a victim of fraud. Navy Federal closed my account for no reason and I validated my claims with police report to support reasons things happened with my account. A lot of these happened Because I am a victim of identity theft in addition to domestic violence. Every time I reach out to Navy Federal security they tell me they can not help me and it doesnt matter if I am a victim of ID theft I can never have access to my navy federal account again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Called Navy Federal CR Union several times to ask why did three accounts still show potentially negative on my credit when I pulled my eperian credit report after the three accounts were paid in full and never late. Shows account ic closed and paid in full but still says potentially negative.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I originally called into the Navy Federal Credit Union on Monday XX/XX/10 and inquired about VA IRRL and Home Equity Line credit requirements during a recorded call. I was informed that the Home Equity Line requires an XXXX score of XXXX to be considered for the loan, however they could not discuss credit score requirements for VA IRRL. I, in turn, checked my XXXX Credit and decided to apply, since I met the standard qualifications per my call with the Mortgage Lending Department Representative the evening of XX/XX/XXXX. However, on XX/XX/XXXX, I received an email from an Equity Processor, XXXX XXXX, stating that my application had been denied due to credit and he claimed to have shared my information with their credit reviewers and claimed my score was below the minimum requirement. I, in turn, immediately reached out via phone to request to speak with XXXX, however, after several attempts and no return calls, I decided to call the main NFCU 800 number to request to speak with a Mortgage Supervisor regarding my concerns on XX/XX/XXXX as well and was informed by the Mortgage Supervisor that he would reach out to XXXX in the Equity Processing department, since he only handled the Loan Application Call Center, however he stated that I should could also request a Credit Exception as well. He placed me on hold and came back to the line to inform me that he had XXXX on the line and transferred me to him. I inquired about my credit denial and did not understand why he could not return my phone call nor did he offer me the details behind the denial. In turn, I stated to him that the Mortgage Supervisor who transferred my call to you mentioned that I could request a Credit Exception request and you would know what needed to be done. I had to pry this information and fax information from XXXX because he did not want to volunteer the information which proves his lack of truly desiring to help a XXXX XXXX American female client of the NFCU. Also, I mentioned that I would fax the Credit Exception letter to his department and emailed a copy as well. Upon my completion, I reached out to XXXX again via phone and email but received no response to confirm receipt of the information nor next steps in the process. Then I reached out to the main NFCU Equity Processing Unit at XXXX to attempt to reach someone regarding confirmation of receipt and next steps to no avail. When I called into the main number on XX/XX/XXXX a Rep named XXXX picked up the call and I requested could she transfer me to XXXX Supervisor XXXX XXXX and left her a voice mail as well. After a couple days, I reached back out to the Equity Processing Center to see if my Credit Exception document had been forwarded to the Underwriting team and still received no answers. I called back into NFCU again on XX/XX/XXXX after leaving a Voice mail for my assigned Processor XXXX XXXX and he refused to return my call or email. Also, XXXX XXXX did not respond to my calls or emails either since XX/XX/XXXX. I kept receiving the runaround regarding our Home Equity Line of Credit Application which I believe we qualified for but was on purpose denied and discriminated against because we are XXXX XXXX Americans who also served in the U.S. Military and was not given a true opportunity to have our application reviewed by the Underwriting team because the Processors team refused to submit our information as they claimed they would do. I received stall tactics and falsified information on numerous attempts when reaching out the the NFCU Equity Processing Team in XXXX, FL. This is unacceptable and is not a representation of Credit Equity amongst XXXX XXXX-Americans in our community and at a time like this during Coronavirus we are being unduly denied the access to Financial Resources, although we have lucrative equity in our home. NFCU Equity Processing Unit discriminates against XXXX and has biased treatment towards the XXXX XXXX-American Community at large. Also, there have been several unfair and scrupulous business practices conveyed by NFCU during this Application process. Also, when I called on XX/XX/XXXX, I was told by the Processing team that our application had been sent over to Underwriting for review and they would be reaching out. Also, I followed up again on XX/XX/XXXX, and was told by a Processing Rep that my loan application was assigned to an Underwriter by the name of XXXX XXXX, however, I again started receiving false information from the Processing Reps which I have outlined in my attached emails. Again, these were intentional stall tactics to ensure that was no intent on allowing my husband and I to be approved for a Home Equity Line of Credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: in 2019 there was several thousand dollars in fraud on my credit card. The issues were not resolved and my balance was not corrected until XX/XX/2019. This went on from XX/XX/2019 - XX/XX/2019. I have always been on time and paid. The credit card company gave me a bad report and left me with a past due on my report. After this happened all of my credit cards either closed my account or lowered my limit to {$100.00}. This was hard for me. I have called them numerous times and they keep telling me to dispute it with the credit agencies. I disputed it with them and they said the information is valid. I need someone to help me. No one is doing anything about this and I was not late. My account should have been put on hold during this time of fraud. I could not pay during the fraud period because the payments were doubled and the credit card company knew this and I was told I was fine. This late payment should be removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A