Date Received: 2019-02-20
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: It happened while I was assigned in XXXX XXXX Kentucky XX/XX/2014.. They called my workplace which I never authorized them to call. They spoke to my staff and said they need to speak to me. I spoke to the collectors and I was shocked that how could they call my work place and how did they found out my number. They began talking to me and I told them I was having marital issues and affected my payments. So the Navy federal deb collector threatened my if I dont pay that they will contact my XXXX as a result I will get fired from my job and lose my XXXX XXXX XXXX.. They continue calling numerous times and keep harassing me.. As a result I feared for my job daily and affected my work performance.. I was not able to compete for XXXX XXXX.. Navy Federal Credit Union has repeatedly harass me almost weekly that I suffered from emotional distress and fearful for my career and my family..
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2019-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-18
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Navy federal converted my secured credit card ( nrewards ) from a 10 % interest rate to a variable interest rate over 16 % ) without my knowledge and without my consent. This card was obtained while on XXXX XXXX in the military is protected by the service member relief act formerly known as the soldiers and sailors relief act. I have reached to this company multiple times I. Writing and also filed a complaint with national credit union association whom stated they were forwarding my case back to CFPB. I am angry that this federal credit union is allowed to mishandle accounts in such a way and impose bogus charges to its consumers in such I have over paid on this card. I was also threatened for closure of this account in which they did because I didnt want to switch to a different card not only that this union continues to report on this card and list on my credit when it is closed. They also fraudulent take the amount of money they want out of my account even though I gave them an amount I was able and willing to pay. This issue has festered way too long and if needed I will file a civil suit. This email was sent to XXXX XXXX the former President of Navy Federal credit union before he retired. The new president is XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39305
Submitted Via: Web
Date Sent: 2019-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Last year my husband was not regularly paying the mortgage and money was being taken out of my account to pay i was told if I had money and the mortgage was not paid that would happen as they did this it left me no money to pay my rental property so the stated foreclosure on that. I started last medication Dont what happened to cause I got paperwork from their attorney starting XXXX filed for bankruptcy. This was XXXX during that time my insurance was canceled and I was not informed the insurance company never informed me they only informed navy fed they only contacted my husband and I knew nothing. I found when I was trying to file a claim for XXXX. They attached Insurance what had my mortgage payment go up. I asked why was i not notify They told me dates that they sent me letters I told them I got nothing. When they further researched they only contacted my husband and not me. I have ALWAYS handed the insurance that same year I got that insurance because the insurance lapsed But they didnt take the escrow account off for about two months and has never refunded my money as of yet they got the new insurance in XXXX it was about XXXX when I found out they did not change anything they had the paperwork but couldnt explain why it wasnt done and I did call many times and just gave up. Was giving many names and talked to many people and got nothing. Again I asked why am I never informed about what is going on I can not get insurance if I dont know I dont have any. Both are names are on the mortgage but I never no whats going on. The attached insurance does not pay for personal effects just exterior Because of water and mold I have furniture and clothing that has been ruined I thought had insurance that covered all of these things. Again Navy Fed has but me in yet another hardship. Dont know when the bankruptcy was done but I got a letter in the mail about XXXX of XXXX telling how long it had been since he had made a payment. I called loss mitigation which the letter came from Questioning what was going on and was told they cant make me pay. Im asking what does that mean and was told to talk to my lawyer I said what lawyer I dont have a lawyer i was told to talk to my Bankruptcy attorney I kept telling them I didnt have one I did not file for bankruptcy XXXX did got no help. Went in to the branch they called Lost mitigation and was told they dont know why I was told that. Im asking when you first stop getting payments why was i not notified and was told they did not have my information. Well they sent me the letter telling me they had not been receiving payments so why was it not taken from my account like before and why was it allowed to go so far behind before I was notified. No one had an answer for that either. Another hardship that could have been avoided. Navy Federal continually Keeps me in the dark regarding this mortgage in which I am liable for. My law if my name is on the mortgage contract i am to be informed of any changes or problems but I have not been that is why I am in this situation. They do have on my file that I was not notified. I got a letter for a foreclosure hearing in XXXX. I dont appreciate continually Being put in bad situations that can be avoided. My father died XX/XX/XXXX I got Plenty Insurance money and would have paid what was needed to become current had I know. Did they went for me to be in a hardship before bringing this to my attention because I know they can see how much money I have in the bank the Credit card sector sure took XXXX out to pay my credit card so these departments that i owe see how much money I have again they took money out in XXXX to pay it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2019-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I put in for Loss mitigation XX/XX/2017 because my foreclosure was dismissed because Navy Fed did not send my cashiers check to XXXX for {$1700.00}. I was not told at that time my prop and he went into foreclosure in XXXX my And bankruptcy was dismissed in XXXX I had to file for Bankruptcy because my previous Loss mitigation was denied Because I did send in Information regarding my health insurance however at the time I had to send in a years statements from my bank accounts which the fridge drawer from my Health Insurance was on the bank statement information regarding my health insurance however at the time I had to send in a years statements from my bank accounts which the fridge drawer from my health insurance was on the bank statement. I called and called complaining they went back to my case and then told me it was the night again because the property was empty however they have a lease on file from my renters I recently spoke with XXXX who was handling that case and told me that she personally called the branch and was told that someone called me and I told them the property was empty this never happened and they have a lease on file so why would I say the property was empty I recently spoke with XXXX who was handling that case and told me that she personally called the branch and was told that someone called me and I told them the property was empty this never happened and they had a lease on file so why would I say the property was empty Most importantly Navy Fed does not require anything regarding health insurance for a lost mitigation case so I had to file for bankruptcy to say my Property for the wrong reasons property for the wrong reasons My new last medication case was dismissed because I was told my hardship letter did not prove my hardship The letter stated I was recently divorced and out of work that usually is considered a hardship however I was told that was not a hardship They got my monthly income from the VA which was about {$1000.00} a month I forgot to tell them about my retirement check but since they had six months of my bank statements if they read the bank statements they wouldve seen that money and on the application it asked how much money I have on hand and how much money I have in the bank at the time I had about {$5000.00} in the bank so I dont know why theyre saying that I didnt have enough money to follow through with the last medication they got my monthly income from the VA which was about {$1000.00} a month I forgot to tell them about my retirement check but since they had six months of my bank statements if they read the bank statements they wouldve seen that money and on the application it asked how much money I have on hand and how much money I have in the bank at the time I had about {$5000.00} in the bank so I dont know why theyre saying that I didnt have enough money to follow through with the last mitigation Then I was so that the property was in foreclosure for too long and it didnt allow a quick sale then I was so that the property was in foreclosure for too long and it didnt allow a quick sale I was not told the property was in foreclosure until XXXX I call their lawyer and spoke with them and was told all the for closure information by law had to go to the rental property I asked where they aware that I did not live there I was told they sent out a letter to me which I never received and then they sent out another certified letter which I did receive in XXXX notifying me of the foreclosure I was not told the property was in foreclosure until XXXX I called their lawyer and spoke with them and was told all the foreclosure information by law had to go to the rental property I asked where they aware that I did not live there I was told they sent out a letter to me which I never received and then they sent out another certified letter which I did receive in XXXX notifying me of the foreclosure. So they told me the only time they legitimately got a letter to me regarding the for closure was XXXX In the letter that I got telling me that I was denied I received the letter was dated XX/XX/2017 Its stated in the letter that if I paid the back payments by XX/XX/XXXX the foreclosure would be stopped its stated in the letter that if I paid the back payments by XX/XX/XXXX the foreclosure would be stopped however I did not receive the letter till XX/XX/XXXX and the property was sold at XXXX XXXX XX/XX/XXXX In that letter it also stated that I could appeal if I was not happy with the decision and I had to send a letter by XX/XX/2017 and I was told my XXXX to bring the letter to her to ensure the letter was processed and I did. To this day I have heard nothing. What they were going to do was a question because I got the letter to late to do anything and Im sure they knew the sell date so was the date to Appeal after the sale that. I asked why wasnt the letter sent certified so much sure I would give it in a timely matter and was told last medication doesnt do that in my mind last mitigation should be doing something to make sure that their letters are received in a timely matter when they are time sensitive and this was not done so they sold my property and I could not do anything about it
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2019-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Ive been a member of Navy Federal Credit Union for many years. I was denied access to my accounts starting in XXXX when I was behind on payments for my credit cards and or checking line of credit. I was not able to get any account information when logging in online. Currently, when any money is deposited or transferred from another member, Navy Federal takes funds for payments with being 6 days delinquent. They will take the entire amount of money available to make the payment and leave nothing available.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2019-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Condo XXXX XXXX, GA XXXX XXXX Opening statement : On XXXX I received a call around XXXX ( estimate time ) from Navy Federal Fraud Department XXXX XXXX XXXX my cell phone # XXXX ( see attachment ) about a charge on my debt card and if I authorized it. I said NO PERIOD. The NFCU Fraud Representative asked me if I made a charge on my card at XXXX in XXXX, GA and I told her NO. This is before she verified that I was XXXX XXXX XXXX. I told her to stop payment on any transaction and she told me to destroy my card and I will get another in the mailed to my address on Friday and she verified my address without asking me. I told her that I am looking at my account and I dont see any unauthorized transaction but I will be going into the NFCU Bank in the morning. The Fraud Representative so Ok, and thank you for your Service and I hang-up. I call my Daughter- XXXX XXXX XXXX and told her what was happening because she use to work for NFCU Headquarters in VA and that when she told me that the NFCU Fraud had sent her a text to her phone on XX/XX/XXXX the same day regarding a fraudulent payment of {$400.00}. My daughter indicated to me that she didnt put all together until we spoke just minutes after I hang the phone up with NFCU Fraud Representative. I went into NFCU at XXXX XXXX XXXX XXXX location on XX/XX/XXXX about estimate time XXXX : XXXX to discuss these issues with them. At first a NFCU Representative sit me down and I told her what happen yesterday and she pull up my account that showed ( 15 ) pending Fraudulent transaction on my account totaling {$7400.00} and I ask her to shut the account down and she told me she couldnt because the transactions was pending. Right now, I am about to BLOW my top despite having a XXXX XXXX XXXX and medical issues that could kill me RIGHT THEN. I ask for a Supervisor and Ms. XXXX XXXX came over to access the problem. She saw the same fraudulent items on my account and I asked Ms XXXX to shut the account down, and she told me that the ( my reference ) fraudulent debits were in pending status and she couldnt do it. I was extremely argue at this point short of taken my rage out on them because they sit their and allowed my money to be taken by these criminals and did nothing to stop this from happening before my eyes. I was short of TAKEN MATTER IN MY OWN HANDS ( dangerous ), but I had too cool down or have another XXXX of XXXX I ask Ms. XXXX again why not shut the account down or freeze all assets until and the criminal elements ( activity has passed ) or walk away with nothing or the theft locations ( see attachment ) where they were doing this fraud wouldnt continue. They still refused to shut the account down, I was and still outage that they didnt do more on that day XX/XX/XXXX to avoid this pain for me regarding my money as it interferers with my health. Ms. XXXX told me that transactions had to get out of pending status and them they would get to the bottom of it and assured me my money would be refunded. By now my XXXX XXXX is boiling hot and I have to make my way to the VA XXXX XXXX XXXX that was schedule XX/XX/XXXX at the VA XXXX XXXX which is at XXXX VA XXXX. I went to my appointment with an unhealthy feeling. I would be taken directly to Emergency room if I didnt use the Doctors techniques and Gods blessing to get me to my appointment and home, despite later that day going to the emergency room at the VA XXXX XXXX and leaving they at XXXX XXXX XXXX XXXX the next morning. I went back to NFCU on XX/XX/XXXX and talk with Ms. XXXX again to get an update and she assure me that these issues would get resolved and she would aleast return the {$2800.00} to my saving account. That never happen instead they return {$1100.00} of the {$2800.00} out of {$7400.00}. This made me fairness and smoking mad. They made me feel like I was the criminal and this made me even angered me even more. THEY ALSO WENT INTO MY SAVING ACCOUNT AND TRANSFERRED {$2800.00} AND TOOK THAT TOO. This is unacceptable when NFCU policy regarding Credit and Debt Card Fraud says the following under the XXXX XXXXNavy Federal XXXX in Security on there website the following : What We're Doing for You Using state-of-the-art fraud prevention systems, our dedicated staff monitors your accounts for fraud and unusual activity and will notify you of any suspicious activity we identify. We follow strict safeguards when mailing out cards and statements, and verify your identity whenever calling in. To be certain that we reach you quickly, please make sure we have your updated contact information. In addition, our Zero Liability policy ensures that you won't be responsible for false charges to your Navy Federal Debit or Credit Card. If you plan to travel internationally or domestically, you can add travel notifications as an added safeguard. This allows you to use your Navy Federal Debit and Credit Cards when our fraud monitoring would normally question any purchases you make. There are three ways to place a travel notification on your account : Log on to Account Access and add a travel notification to your debit or credit card Choose the travel notification option on the Navy Federal mobile app* Call XXXX for 24/7 live phone support Please be sure to provide the location and dates of your travel, including stopovers if you'll have connecting flights. Etc.. Note : If the NFCU investigators look at my pass deposit or withdrawal they would see that this is not my pattern of withdrawals, period plus. This should have given NFCU Fraud Department an easy way to review this. I dont make these types of withdrawals period, furthermore I only been to XXXX, GA once in XXXX and I didnt have this NFCU account. Also I have never heard of XXXX, GA ever. I contacted the FBI and file a compliant with the FBI Field Office XXXX XXXX XXXX, XXXX, GA XXXX at XXXX XXXX ( Identity Theft ) to get them to investigate this case and NFCU to get my money back because NFCU seem to take this lightly. I also contacted and file a complaint with National Credit Union Association ( NCUA ), my congressman, and more. Referred back to : I ask NFCU Representative ( XXXX XXXX ) why they couldn't freeze the account when the fraud was still in the pending status on XX/XX/XXXX. I was in the NFCU office and Ms. XXXX told me that they couldn't freeze or stop the fraud actions. I told Ms. XXXX at the NFCU office that this sound crazy, because I am here telling you that this is fraud. NFCU let it happen and they want to shove this under the rough. Some investigation of my own : On XX/XX/XXXX I contacted my nephew which is police officer supervisor in XXXX XXXX and he told me to go to the Police station near me and put in a ( Fraud Investigation ) and I did just that or aleast I tried. I went to XXXX XXXX XXXX, XXXX, GA ( XXXX Police Officer XXXX ) told me that I had to file a report where the fraud happen in XXXX and XXXX, GA. I called several police stations numbers in XXXX and finally got a hold of a XXXX XXXX at the XXXX, GA police department and he told me that I have to go to the XXXX police station where I live i.e. back again calling the XXXX Police department location above. I also called XXXX Police Department and ask them the same thing, they told me there were close to XXXX, GA and that they are a small police force with know internet and know way to help me and that XXXX Police station should open the fraud case and they will look into it in XXXX, GA from the XXXX Investigation. I also called the XXXX in XXXX where several the fraudulent transactions took place and talk to a Manager at the XXXX # XXXX at XXXX XXXX XXXX, XXXX, GA XXXX and I asked him if anyone from the Fraud Department of NFCU contacted them regarding this issues and he told me know and he also informed me that he there Monday thru Friday and know one came in to review their cameras either i.e. because they have them to review when the investigators would come. Personal notes : NFCU is supposed to look out for us Veteran 's and they just throw me under the bus regarding handling this actions of Fraud, therefore sense the LAW in XXXX, GA won't deal with this I have asked the ( FBI ) TO GET THESE CRIMINALS AND MAKE NFCU RETURN MY MONEY despite the policy above that hold me ZERO LIABILTY. I hope my color as a Black man is not the reason NFCU is not acting accordingly to the policy above on their website. Final note : I am a XXXX Veteran ( XXXX XXXX XXXX XXXX ) with a variety of illnesses and I can't afford to let this kill me or lose this money because NFCU and the criminal are dishonest. When you catch the criminals I want them lock under the jail. I also contacted XXXX XXXX in XXXX XXXX, XXXX XXXX, and criminal fraud attorney to make this a news story and to resolve this Its a shame that I had to contact the FBI to get these criminals or anyone else to get me my money back. As far as I am concern NFCU is also the criminal and they have not handled this situation and assured me at any point the they are refunding my money back to me. I was also in the process of purchasing a home through NFCU Mortgage Department and my contract expired XX/XX/XXXX and I had to call my Loan Officer XXXX XXXX and my Realtor Agent XXXX XXXX of XXXX XXXX XXXX and postpone any further action with my mortgage lender. I am currently looking to get a Law Firm to address these issues and file a formal lawsuit against NFCU. They have put my life on hold and I am fade-up. I am Victim not the Criminal Review attachments
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: 1. Navy Federal Credit Union ( NFCU ) : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$22000.00}. XX/XX/XXXX, NFCU charged off/wrote off the alleged past due amount of {$22.00}, XXXX. At the time of the write-off, NFCU cancelled and abandoned the debt, reducing it to {$0.00}. Currently, NFCU is attempting to collect {$22000.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$22000.00} on each of my credit reports. Once the debt {$22000.00}, was cancelled/abandoned, NFCU can not later lay claim to it. NFCU abandoned the debt and issued an IRS XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of NFCU. Nor can NFCU defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by NFCU. I have been denied a Law School Loan, based upon NFCU false reporting. I can demonstrate compensatory and punitive damages and intend to seek each. Following previous complaints, I have gotten calls from non-working numbers from Navy Federal Credit Union, but no message has been left. Only when I call the number back did I discover it to be an non-working number from XXXX. Now I ask any reasonable person. Is this the conduct we should expect from our financial institutions? It simply plays into all the various forms of complaints against NFCU and their abhorrent conduct. 2. I have made numerous attempts to have XXXX fully investigate the matter and on my most recent attempt, was notified by XXXX that they had previously investigated the matter and would not do so again. There is a prima facia case demonstrating XXXX XXXX culpability and failure to act in good faith. They simply took NFCU 's statement at face value and rendered an adverse ruling against my dispute. These actions warrant compensatory and punitive damages and intend to seek each. XXXX. XXXX : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$4200.00}. XX/XX/XXXX, XXXX charged off/wrote off the alleged past due amount of {$4200.00}. Prior to this date, XXXX unlawfully re-aged their claim and falsely reported 120 days past due for 3 consecutive months. At the time of the write-off, XXXX cancelled and abandoned the debt, reducing it to {$0.00}. XXXX issued an IRS XXXX. Currently, XXXX is attempting to collect {$4200.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$4200.00} on each of my credit reports. Once the debt {$4200.00}, was cancelled/abandoned, XXXX can not later lay claim to it. XXXX abandoned the debt and issued an IRS XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of XXXX. Nor can XXXX defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by XXXX. I have been denied a XXXX XXXX XXXX, based upon XXXX false reporting. I can demonstrate compensatory and punitive damages and intend to seek each. XXXX. XXXX : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$2700.00}. XX/XX/XXXX, XXXX charged off/wrote off the alleged past due amount of {$2700.00}. Prior to this date, XXXX unlawfully re-aged their claim and falsely reported 120 days past due for 3 consecutive months. At the time of the write-off, XXXX cancelled and abandoned the debt, reducing it to {$0.00}. XXXX issued an IRS XXXX. Currently, XXXX is attempting to collect {$2700.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$2700.00} on each of my credit reports. Once the debt {$2700.00}, was cancelled/abandoned, XXXX can not later lay claim to it. XXXX abandoned the debt and issued an IRS XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of XXXX. Nor can XXXX defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by XXXX. I have been denied a XXXX XXXX XXXX, based upon XXXX false reporting. I can demonstrate compensatory and punitive damages and intend to seek each. XXXX. XXXX : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$5100.00}. XX/XX/XXXX, XXXX charged off/wrote off the alleged past due amount of {$5100.00}. Prior to this date, XXXX unlawfully re-aged their claim and falsely reported 120 days past due for 3 consecutive months. At the time of the write-off, XXXX cancelled and abandoned the debt, reducing it to {$0.00}. XXXX issued an IRS XXXX. Currently, XXXX is attempting to collect {$5100.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$5100.00} on each of my credit reports. Once the debt {$5100.00}, was cancelled/abandoned, XXXX can not later lay claim to it. XXXX abandoned the debt and issued an IRS XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of XXXX. Nor can XXXX defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by XXXX. I have been denied a XXXX XXXX XXXX, based upon XXXX false reporting. I can demonstrate compensatory and punitive damages and intend to seek each. XXXX. XXXX : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$3400.00}. XX/XX/XXXX, XXXX charged off/wrote off the alleged past due amount of {$3400.00}. Prior to this date, XXXX unlawfully re-aged their claim and falsely reported 120 days past due for 3 consecutive months. At the time of the write-off, XXXX cancelled and abandoned the debt, reducing it to {$0.00}. XXXX issued an IRS XXXX. Currently, XXXX is attempting to collect {$3400.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$3400.00} on each of my credit reports. Once the debt {$3400.00}, was cancelled/abandoned, XXXX can not later lay claim to it. XXXX abandoned the debt and issued an IRS XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of XXXX. Nor can XXXX defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by XXXX. I have been denied a XXXX XXXX XXXX, based upon XXXX false reporting. I can demonstrate compensatory and punitive damages and intend to seek each.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: XX/XX/XXXX I effectively became homeless. I am a XXXX XXXX XXXX XXXX Vet with a wife and daughter. Shortly after becoming homeless, my family and I rented a hotel room at the XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX. During the first week of XXXX, or within the first 10 days of XXXX, My wife called me to inform me that the car had broken down while my daughter and her were at the laundry station ( " XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) Shortly after informing me of this, I called my insurance ( XXXX ) and had the vehicle towed to a tow truck recommended shop ; and then over to XXXX XXXX XXXX. After an unobtrusive diagnostic while the vehicle was at the tow truck recommended shop, no work was done. The vehicle stayed at XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX while I frantically negotiated with Navy Federal for the different options related to selling my vehicle, as my transmission had been ruined, and I couldn't afford a new one. Navy Federal Credit Union had me fill out two separate personal financial management applications, and has forwarded my case between at least 4 different associates. I literally pleaded with them in the email on separate occasions, asking for them to allow me to sell the vehicle and then convert the remaining balance into a consumer loan, but not only did they not allow me to do this ; they wouldn't allow me any means or resources to sell the vehicle without making a payment on the vehicle, despite my homelessness, and actively paying for a hotel by the day. My negotiations with the bank continued back and forth throughout the course of the past several months, until I received a notice from the XXXX XXXX Police Department ( Wed, XX/XX/XXXX, Presumably by parking citation attached to it ) notifying me that I had to move my inoperable vehicle, or face citation and towing. As I mentioned earlier, I am homeless, and XXXXXXXX XXXX XXXX XXXX XXXX, and the bank knew that, until just this past XX/XX/XXXX, I have been unemployed. During the month of XXXX however, I did have a temporary position with XXXX ( XXXX XXXX XXXX, XXXX XXXX CA XXXX ) That only lasted three weeks, at the rate of XXXX/hr for 15 hours a week. XX/XX/XXXX I received an over payment from the Ch. XXXX Post XX/XX/XXXX GI Bill, and this may have caused the bank to assume that I would have the necessary funds to cover the debt despite any negotiations. Evidenced by my immediate submission of a debt waiver request to the VA on the XX/XX/XXXX ; I was quickly reduced from my original XXXX payments of XXXX, to XXXX. Despite my candid description of my situation, and my lack of financial stability, Navy Federal Credit Union continued to mislead me of their actual methods for their debt collection practices, and deliberately froze my wife 's debit card because they didn't believe that we were actually homeless. By deleting my messages directly related to these issues, they are deliberately and maliciously withholding information by omission, that would help prove that I have tried my best to maintain appropriate communication and accountability of my debt. When the bank was under the impression that my vehicle was operating, they maciliously threatened expedited repossession for lack of payment. After I assured them that the vehicle was inoperable however, I was specifically told during a recorded phone call ( Mid-Late XX/XX/XXXX ) that repossessing wasn't the most " cost effective '' option for them. By purposefully leaving the vehicle on the side of the street ( XXXX XX/XX/XXXXXXXX, XXXX XXXX CA XXXX ) and still refusing to repossess the vehicle that is currently over 120 days past due, they are maliciously and willingly causing me to be in violation of the law, because they won't simply follow the threats that they have been making towards me since my first past due payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
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: CFPB is full of complaints against the Navy Federal Credit Union. I have filed a number of complaints attempting to correct my XXXX, XXXX and XXXX XXXX accounts. The false reporting has a deleterious effect on my livelihood, my ability to obtain credit and work. I am asking CFPB to conduct an in-depth investigation into my complaint and enforce compliance. Navy Federal Credit Union continues to report false information to each of the the three credit reporting agencies. Navy Federal Credit Union pursued collections on a credit card account I previously held with them. I demonstrated a number of times that I was the victim of fraud and that the charges they alleged were not of my making. I provided them all the law enforcement reporting I had pursued. XXXX ignored all this information and proceeded with collections. Navy Federal Credit Union then CANCELLED THE DEBT when they CHARGED OFF the account and issued a XXXX reporting the cancellation of the debt. Navy Federal Credit Union continues to report a PAST DUE amount of {$22.00}, XXXX. By law, Navy Federal Credit Union can not continue to pursue a debt they have cancelled. Navy Federal Credit Union can not claim {$22000.00} is PAST DUE when they have charged off the debt and cancelled it by XXXX. Navy Federal Credit Union abandoned all claims when they charged off the debt and issued the XXXX to the IRS. I want this account removed. I want the PAST DUE amount reduced to {$0.00} because nothing is PAST DUE. I want a clean, updated Credit Report. Accounts With a Negative Pay Status LENDERTYPEBALANCE NAVY FEDERAL CR UN COLLECTION/CHARGEOFF Credit Cards {$22000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$22000.00} Account Details Bureau Name NAVY FEDERAL CR UN Account Type Credit Card Responsibility Individual Credit Limit {$22000.00} Credit Used 101 % Highest Balance {$22000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$22000.00} Date of Last Payment XX/XX/XXXX5 Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX Remarks Charged off. Canceled by credit grantor.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30189
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Credit inquiry on report that i do not recognize.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A