Date Received: 2018-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My car was repossessed and sold around XX/XX/2017. The bank has not sent me any information regarding the sale or the amount owed. The amount still has me in default for the whole amount. Under the laws of the State of California UCC Section 2983, I am required to receive any notification regarding this automobile. And I was not.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92115
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was attempting to recieve a deposit to Navy Federal Credit Union located at XXXX XXXX XXXX XXXX XXXX Florida XXXX the deposit was from XXXX XXXX and the deposit was initiated on XX/XX/2018. The day that the deposit was received by the bank I was emailed asking for additional monies when the deposit was already at the bank location. The monies was withdrawn on the XX/XX/2018 by the member of customer service who came from XXXX VA after noticing the deposit amount after calling the customer service line about if the deposit arrived. In other word the monies were stolen after the bank have in to this bullying, and now these monies are being used against me, things like threats of terrorism, and threats of violence. XXXX XXXX XXXX XXXX made a donation to me because they understand my situation with my parents and I am pretty much without any help from anyone. As I notice that after the monies was stolen. Even Navy Federal Credit Union on XXXX noticed the amount of the deposit and gave in to the theif who is now emailing me asking me for {$1200.00} when the monies were already deposited. Included is a copy of the deposit transfer sheet and a copy of what the theif wrote me saying there was something wrong with the deposit. The monies were stolen in person by this by XXXX XXXX XXXX at the Navy Federal Credit Union location on XXXX XXXX, and XXXX XXXX, some of the monies are stashed in XXXX savings account of XXXX XXXX with all the evidence and identification of the person who stole it she just went along with it, the person who was sued by XXXX XXXX XXXX XXXX as we speak there is a leave XXXX in a XXXX XXXX XXXX also stolen off XXXX headed down XXXX XXXX towards XXXX, the monies was in cash which they were aware. All evidence supported with a follow-up reference from witness at Navy Federal Credit Union in XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2018-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Navy Federal CU is fraudulently reporting on my credit report in the amount of {$5800.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? * Did they even fund the account or did you? * Did you take tax credits? * Are you the creditor or really just the servicer? * Did you disclose that you were charging me for the insurance premium to protect against asset loss? * Did you get your approval in writing agreeing to the amount of the premium as require by law? * Did you get the insurance payoff prior to charging off the account? * Is the contract creating the account even valid since they lacked full disclosure and equal risk? * Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? * Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2018-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Navy Federal CU is fraudulently reporting on my credit reports in the amount of {$14000.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? * Did they even fund the account or did you? * Did you take tax credits? * Are you the creditor or really just the servicer? * Did you disclose that you were charging me for the insurance premium to protect against asset loss? * Did you get your approval in writing agreeing to the amount of the premium as require by law? * Did you get the insurance payoff prior to charging off the account? * Is the contract creating the account even valid since they lacked full disclosure and equal risk? * Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? * Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2018-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2018 I submitted a dispute to XXXX informing them via written letter, that they were reporting me as an authorized user, a charge off account from Navy Federal Credit Union in the amount of {$8400.00}. I informed them that I am not responsible for this debt and to delete this account from my credit report, but they have failed to adhere to the FCRA guidelines. This debt does not belong to me and they also failed to validate that it does.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/2018, i checked my account and noticed an unauthorized pending charge for {$19.00} from XXXX. I contacted the vendor corporate office and spoke with the financial service department. They ran my debit card number through their system, and they did not locate an account using my debit card. I have never used XXXX 's services, because they are free. I contacted Navy Federal, and was told i can not dispute the charge because its still pending. Well that pending fraudulent charge caused more issues. The money it deducted from was my car note, in the amount of {$580.00}. Because they can not reverse the pending fraudulent charge, they returned my car payment stating " insufficient funds '', but ALL of the money was available until my account was fraudulently used. NFCU then states that I will be assessed a {$29.00} fee as a result. This bank is more susceptible to fraud than any other bank. This is the SECOND time my account has been compromised and the SECOND debit card. This is absurdity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: The reason for my complaint is because Navy Federal closed my checking and savings account due to I was force to open a {$5000.00} loan. I was a victim of fraud/scam and was force by two man to open the loan because I told them I have good credit. They advised me that they work for Navy Federal and they can help me open a checking and saving account and after that they force me to open up the {$5000.00} loan. I cancel the loan due to I was force. I filed a police report regarding the whole situation. The reason why my story kept changing is because I was scared of the men. They know where I live because they seen my address when I was doing the application. I still have not received my {$10.00} that was deposited in the savings account but they can keep it if I'm able to open up new checking and savings account. I would also like the hard inquiry removed from my credit report for the loan since I was forced. I shouldn't of trust those man but I believed them. I'm able to go in the branch and open up a new checking and savings account with my moms XXXX I live with my mother and she is a XXXX veteran. Thank you for your time. Have a wonderful day.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28303
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-05
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I asked for a rate reduction on my line of credit and received First time : We regret that we are unable to offer member-initiated interest rate reviews on our Checking Line of Credits. The interest rate assigned at the time of the approved application will be the interest rate until the account is closed. However at the discretion of the Board of Directors, they may adjust this rate, as with all Navy Federal rates. Any decision regarding adjustments will be based on a number of factors, including fairness to our members, current economic conditions and the overall competitive picture. Navy Federal may change the terms of the Checking Line Of Credit by sending written notice to the member at least 45 days prior to the date the change becomes effective. Second time : We regret that a more favorable reply could not be made to your rate reduction request. Your feedback regarding your experience with our members service representatives have been brought to the attention of our training staff who will review the matter and follow-up with the personnel involved. Every effort will be made in the future to provide you with the prompt and efficient service to which you are entitled as a member of Navy Federal. Third time : We are unable to revert your rate due to not receiving a lien recorded title for the XXXX XXXX. Once the lien recorded title is received, the interest rate will be reverted back to the Collateral rate. If we can be of further assistance, please let us know. Thank you for your membership. Fourth Time : Thank you reaching out for clarification, there was not a title lien on your Checking Line of Credit ( CLOC ) as we don't have collateral CLOC products. Regarding changing rates on CLOCs, unfortunately, we are unable to offer member-initiated interest rate reviews on our CLOCs. The interest rate assigned at the time of the approved application will be the interest rate until the account is closed. However, at the discretion of our Board of Directors, they may adjust this rate, as with all Navy Federal rates. Any decision regarding adjustments will be based on a number of factors, including fairness to our members, current economic conditions and the overall competitive picture. Navy Federal may change the terms of the CLOC by sending written notice to the member at least 45 days prior to the date the change becomes effective. If you have further questions, please let us know.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93033
Submitted Via: Web
Date Sent: 2018-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: NFCU Collections Department was contacted about past and current collections practices reporting my credit in error. Dating back to XXXX Collections and NFCU sold me GAP Insurance Product in the initial contract of my XXXX XXXX XXXX which was totaled XX/XX/XXXX I used the GAP Insurance to pay off my loan with NFCU. I was mislead to purchase deceptively by representative of NFCU telling me I would be able to replace my truck at the time approval of my truck/loans with no other requirements attached. NFCU received their money paying off my totaled truck then deceived me telling me until I passed a credit check and if my loan wasn't delinquent I'd be approved. I wasnt told that when GAP was being sold as extra layer of insurance - while insured I'd be happy with the followings of buying it. Then realized that I wasn't being treated as. Member or Veteran but being lied to causing Hard ship on me. Collections Department Rep. misrepresented the consequences and abused his Authority by using my overdraft protection of XXXX to pay my loan while causing me financial hardship making my checking account negative. Denied access to my checking account and blocked accessed giving me access only if I paid my delinquent or overdrawn account.i wasnt offered another product of checking line of credit through my checking account. Although I have had my checking account since XXXX while deductions of fees were taken by NFCU. The NFCU was called about my injury in my job.My loan was consolidated while paying high interest fees, late fees to NFCU received the benefits yet again in XXXX. I didn't receive any funds to help my life but approved loan only increased my debt. I ask the collections department representative for help but they ignored me only helping himself sell another loan without any benefits to my financial situation. The NFCU representative told me I didn't purchase PMT PROTECTION PLAN PRIMARY LIFE DIS/IU after reporting my work related injuries on but I found a credit card statement proving otherwise that I was sold and purchased the XXXX insurance PMT PROTECTION PLAN PRIMARY LIFE/ DIS/IU placing my account over the limit. The past due amount was one amount while asking the minimum payment another with XXXX limit. My account has been reported incorrect, with late fees attached, incorrect balance to the credit bureaus by NFCU. NFCU collected and monies from me I paid on my consolidation loan/credit card. Also in XXXX I had a balance of XXXX Reward Points on my Flagship Rewards Platinum credit card that NFCU that I never collected or was allowed to use but NFCU Violated my credit card rights and consumer rights by not honoring our contract to redeeming my rewards points on my credit card or debit card I use weekly for gas other purchases. I paid my bill within the 60 days and didnt received any compensation from NFCU even though I was threatened several times in letters from collections and telephone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28150
Submitted Via: Web
Date Sent: 2018-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A