Date Received: 2017-12-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I applied for a XXXX XXXX credit card and I was denied with a credit score of about 400/850. I requested a credit report from XXXX and it shows 2 accounts that are ( Responsibility : Individual ) and are both late 90+ days, along with this they are over balance. I DO NOT have accounts with XXXX XXXX or Navy Federal Credit Union, and will contact my local Police station tomorrow to file a report of fraud/identity theft. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91773
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was shocked when I received my credit report and found late payments on the the dates below : ( 30 ) day late in XXXX 2017 Im not sure now this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2017-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My checking and credit card account where inappropriately closed when I attempted to transfer in money from an outside account. This is my second appeal through CFPB with me attaching proof of my outside account. I 've contacted Navy Federal multiple times and only received generic responses with no assistance in resolving and reopening my account. During the initial appeal I was told to contact XXXX XXXX which I attempted several times with no answer or return call.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I bank with Navy Federal Credit Union. My concerns are the EFAA ( Expidited funds availability act ) mandated by the Federal Reserve System. NFCU trick there members into thinking there getting direct deposit early. This is not the case. This has been an ongoing issue. They have changed policies without giving customers any knowledge. At the end of the day there practices are paying interest from customers checks every month. Its stealing and its wrong. Its more than what im explaing. I have the right to choose who I want to bank with. There purposely not giving out valueable information to keep their customer base. Please contact me for further details in this matter. It needs to be address so people wo n't lose money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This complaint is in reference to my previous CFPB complaint # XXXX in regards to the CFPB Consent Order against Navy Federal Credit Union. At the time of the complaint, NFCU responded : " Our review of this matter is in process, and we will respond as soon as possible. The following references the complaint we received on XXXX XXXX 2016 from the Consumer Financial Protection Bureau ( CFPB ) on behalf of Navy Federal member XXXX XXXX. The complaint was assigned a case number of XXXX. Our member has asked us for information related to our recent agreement with the CFPB. Pursuant to the terms of the agreement, the CFPB will approve how we will identify and make payments to members who are eligible for compensation. If XXXX XXXX is eligible, he will receive prompt notification at a later date. We will consider all facts and circumstances regarding XXXX XXXX 's account in the assessment of compensation, if any. Navy Federal has thoroughly reviewed our member 's concerns. No further correspondence will be sent regarding his Home Equity Loan nor will calls be made concerning the status of the account. '' XXXX Responded : " You should receive an update from the company within the next 15 days, and a final response within 60 days. '' It has now been one year from the date of my complaint. Not only did NFCU never responded to me in 60 days, they never responded to me ever. I would like an update to my claim pursuant to the Consent Order, as I submitted ample documentary evidence of NFCU 's predatory and illegal debt collection actions against me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 1 ) XXXX XXXX ( {$910.00} ) 2 ) Navy Federal Credit Union ( $ UNKNOWN ) 3 ) XXXX XXXX XXXX ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Sir I was given a credit card with a {$15000.00} limit while I was making {$19000.00} a year. I attempted to pay the monthly payment even with my parents help. When I just could n't pay it. They lowered my limit. And then without notice cancelled my card. I was doing my best. It was just too much! As if they set me up to fail. And they would take every penny that I put in my account savings and checking.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ive contacted the companies and they havent contacted me about it
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On or around XX/XX/XXXX, NAVY FEDERAL CREDIT UNION violated Title 38, Section 5301 ( a ) ( 1 ) Veterans Benefits and/or 31 CFR 212.6 - Rules and procedures to protect benefits that is governed by the Americans with Disability Act and/or the Veterans Disability Protection Act of XXXX by willfully and negligently allowed a third party agency to garnish over {$65000.00} from my bank account without allowing me to officially dispute the transaction. I request to re-open an investigation with amendment to add additional violations of the Americans with Disability Act and/or the Veterans Disability Protection Act of XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-24
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: To whom this concerns, Navy Federal credit union allowed my Aunt whom lives with me now, and shares the same phone number as me to apply for a credit card. She added me as an authorized user on the card. The Navy Federal Credit union, applied the card in my name sent it to my home. Along with their disclosure and agreement. Also posted this to my online access account and, let me activate the card that is in my own name. Following activation, i am not allowed to use the card i find out that it is blocked by the security department after initializing the chat function with their Card Services department. The agent in the chat then tells me to call in and speak on behalf of the account. Per their terms and agreement which is not clearly defined. Authorized users may call and discuss the account in which they are authorized to speak on, or are a authorized user of. When i called to speak on the account the agent was very rude and said that even though my Aunt. Which is the card holder, is in the hospital there is nothing they can do about it. They have to speak to her. I then advised them of their terms and agreement which is the card agreement i received with the card which clearly authorizes me to speak on behalf of the account since it is posted to my online access as well as the card in my name. The Manager at that time tells me that i am correct and he will research it. He comes back on the line and clarifies that i did not apply for the account. I said no i did n't. He then ask what is my relation to the primary holder, I said that 's my aunt. He then tells me hold again. Comes back on the line after another 15 minutes and his tone totally changed. He then tells me now the account is not fully established now, and that i am not authorized to speak further from now on. That he is going to go ahead and tell me to have my aunt call. He then advises me if i would like to close my membership. I said no, but why do your terms and conditions say that i can speak on behalf of the account. He said then at that time, i am going to hang up i do n't have to answer your questions further. So now i am reaching out to the CFPB supplying the terms and agreement below which clearly define the agreement. I will also attach the card number in which is in my name as well. Please help resolve this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2017-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A