Date Received: 2017-08-02
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I have unsecured Personal loans with Navy Federal Credit Union, totaling around {$60000.00} I fell behind on a couple of payments as my father was battling XXXX and had to provide the family with financial assistance. During the months of XX/XX/XXXX XX/XX/XXXX navy federal hounded my personal cell phone with phone call after phone call, threatening to take legal action, have me arrested etc etc. Mid XX/XX/XXXX I called into navy federal to bring my accounts current. For one of the loans I asked for a forebearance as the payment was too high, the representative told me the forebearancw was subject to approval, and that tHey 9/10 are approved. The representative I spoke to told me all my accounts were current and the forbearance was granted. About a week later navy federal started hounding my parents home phone number ( XXXX ) XXXX XXXX. This number is not listed by me on my profile for navy federal, so I have no idea how and why they were calling this number. On XX/XX/XXXX, a representative from navy federal calls my parents home phone number again. Sick and tired of these calls, my father tells the navy federal representative that he is me. She goes on to tell my father every little piece of financial information of mine. The amount of the loan, the type of loan, my monthly payments, how many days late the payment was. She gives him all this information without asking him any security questions to verify that it is actually me that 's speaking. On XX/XX/XXXX, I called navy federal, to bring my account current, and due to their employee error my aforementioned forebearance was not correctly process so my account was never brought current. I wrote navy federal an email regarding the issue of my financial information being exposed to someone who is n't me. No one from navy federal reached out to me regarding this matter at all. So after 2 months I reach out to them again, and they stated the phone call was never recorded, which is n't true, because when I initially filed the complaint a navy federal representative did confirm the number was called and they listened in to the phone call and they will reach back out to me. They say their protocol for outbound calls is that if someone states they are the person who navy federal is looking for they can share financial information. I get it, that 's a policy. But to a certain extent It should be navy federals due diligence to know if the person on the phone is really who they need to speak to. Their representative gave explicit details about my account like what type of account it is, how much the monthly payments are, if that was really me on the phone do n't you think I would know all this stuff already? Like where 's the feduciary duty that 's owed to me? I reAched back out to Navy Federal on XX/XX/XXXX, And spoke to a representative in regards to the Mis handling of my private financial information. At first the representative claimed the phone call was n't recorded, and after I told her it was recorded because I spoke to someone else in regards to this matter before. She then went on said the phone call was disconnected and no information was given out, which is false, bc the person who my info was given to knew the type of loan it was, my monthly payments, along with the amount of the loan. But my issue is the level of integrity on navy federal end, to say the phone call was not recorded. Like how does the representative I just spoke to know that the phone call was disconnected and no information was given if the phone call was n't recorded? It makes no sense to me. My father is a XXXX patient that did not need any stress, and navy federal caused his condition to worsen and caused a huge rift in my family. I did not want them to know of any of my finances yet my entire financial freedom was ripped from me in one phone call. If any farther detail is needed please feel free to reach out me. My number is XXXX XXXX XXXX, my email XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2017-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Electronic funds was deposited into my account. A monthly stipin from the department of treasury from the Veterin Affaris ; this is government issued pay ; not earn income. The first stipend from the VA includes back pay ; {$XXXX} ... ; going forward it will be {$XXXX} ... This money is suppose to be protected/expect from guarnesment. The moment the money was deposited in my account the same bank stole it to pay off previous credit card debt that was written off by the bank. This will cause financial hardship if this money issued back to me. Please help ; my and my family livelihood is relying on this money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2017-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-02
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: got a car loan from navy federal XXXX.2014 for about XXXX. beginning payments were XXXX a month. got the opportunity to secure a personal loan through the same bank a year later. used to loan to " pay off '' my car ( i have my title so it cant be repoed ) payments increased to XXXX a month. been paying on this car for 3 years and still owe XXXX. ca n't tell me something is n't wrong with this picture. I can do math and I 've paid about 13k so far. I 'm paying dbl and it 's not right. I make half the money I did 3 years ago and the XXXX a month is too much. I 've tried to get the interest rate lowered several times with no success. All the bank offers is payment deferal and that comes with a price. I do n't mind paying what I owe, but I 've basically paid for this car already and still have 2 years of payments left. This is what 's wrong with this country now and why families ca n't stay afloat. No matter how they try to justify this it 's wrong.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 242XX
Submitted Via: Web
Date Sent: 2017-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-01
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Please see the attached letters to Navy Federal Credit Union, XXXX and XXXX. Here are the facts : 1 ) Navy Federal Credit Union initiated foreclosure proceedings on my principal residence in XX/XX/XXXX. 2 ) In XX/XX/XXXX, I filed Chapter XXXX bankruptcy 3 ) In XX/XX/XXXX, my Chapter XXXX bankruptcy was discharged along with the debts that were included in this bankruptcy, including the mortgage on my principal residence. 4 ) Between XX/XX/XXXX and XX/XX/XXXX, I negotiated a loan modification to my mortgage loan and began making payments in XX/XX/XXXX. 5 ) I have made monthly payments on this mortgage loan every month since XX/XX/XXXX, have never been late nor missed a payment. 6 ) I applied for a automobile loan at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and a secured XXXX credit card ( {$1000.00} deposited for a {$1000.00} credit limit ) at Navy Federal Credit Union on the same day ; the first was because I need to purchase a used vehicle and the second is because I need to re-build my credit. 7 ) The automobile loan was denied due to lack of credit history. The secured XXXX card was denied because of a past loss ( because of the Chapter XXXX bankruptcy ), despite the fact this account would be fully secured with no loss potential for Navy Federal Credit Union. 8 ) Upon # 7, I pulled all 3 of my credit reports ( XXXX, XXXX and XXXX ). I was shocked to see that Navy Federal Credit Union was not reporting my positive payment history on my mortgage loan for the past 4 years on XXXX and XXXX. XXXX does show my payment history accurately. When I contacted XXXX, they told me I had to get Navy Federal Credit Union to remove the " Included in Bankruptcy '' designation and then they could report the positive credit history. On both XXXX and XXXX, they are both showing my mortgage account CLOSED, when in fact it 's not. I have filed complaints with both of these agencies. 9 ) I also spoke with Navy Federal Credit Union. They claimed that since my mortgage debt ( but not the lien ) was discharged in bankruptcy, they are prohibited under Federal Bankruptcy law from reporting any credit history for debts that have been discharged in bankruptcy. Federal bankruptcy law has nothing to do with credit reporting. The Fair Credit Reporting Act does. My point is, why ca n't my POSITIVE payment history on my modified loan be reported and published by the credit reporting agencies?? XXXX is reporting this information correctly. That is the only way I 'm going to be able to obtain credit in the future. 10 ) Finally, I spoke to Navy Federal Credit Union again this morning about potentially re-financing my loan which is currently in modification but will be due to re-set in XXXX XXXX. They told me it would be VERY likely denied because of a " past loss '' no matter my payment history since the loan was modified, no matter my income, and no matter the amount of equity I have in my home ( which is currently approximately {$180000.00} ). This is simply punitive and really should be outlawed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92027
Submitted Via: Web
Date Sent: 2017-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-01
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: Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested. It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX XXXX No account # listed Bal {$270.00} XXXX XXXX Acct # XXXX Bal {$2900.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2017-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I did n't receive my cash advance
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2017-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-01
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: Unverified Accounts : I have recently received a copy of my credit report from all 3 bureaus and found a number of inaccuracies pertaining to the accounts listed below. I have contacted said bureaus to dispute these reports requesting, specifically the SIGNED contracts that they have on file with these companies. Not ONE company returned any signed contracts as requested because I DO NOT HAVE CONTRACTS with any of the companies. I have not received goods or services from ANY of the listed companies and yet they continue to report erroneous accounts to the credit bureaus simply stating that they have verified the account without any signed contract. FCRA Under Section 611 ( a ) ( 5 ) ( A ) ( 1 ) States " ALL 3 credit reporting agencies must have ORGINAL signed paperwork in their physical possession before they can report it to you credit file. '' These entries on my credit report are in direction violation of this section as well as FCRA 15 U.S.C Section 1681i : states " All unverified accounts must be promptly deleted from a consumers credit report ''. Yet these accounts still remain without the bureaus requiring the signed contracts as requested. It was requested that these accounts be deleted if said signed documents were not produced. Original request was last sent to all three credit bureaus on XXXX XXXX, 2017. The creditors listed on my reports are as follows : XXXX XXXX Acct # XXXX Bal : {$380.00} XXXX XXXX Acct # XXXX Bal : {$1700.00} Navy Federal Credit Union No Account # listed Bal : {$27000.00} XXXX NO Account number listed Bal {$0.00} XXXX XXXX Account # XXXX Bal {$1400.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2017-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-30
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: Dates and amounts are contained in the attached files. In summary : I had my eyes checked at the XXXX vision center, ordered lens from them. Could not use them, they gave distorted and blurry vision. The XXXX XXXX XXXX scheduled another eye test, got it and they ordered new lens. The vision from this second order was worse than the first. I notified XXXX Store Management and they just shrugged and offered no resolution. I called NFCU and said I want to dispute the XXXX charges, repeated in excruciating detail all that had happened and asked if they needed the location of the store. I was told that they had all they needed. Shortly thereafter I received a letter with a form in it. I filled out the form and sent it back to them. My wife then gets a letter with her credit card number on it saying they are not going to dispute the charge because she did not return the form in time. I did, the delivery receipt is attached. I also received a letter, with my credit card number on it, with a bunch of checked boxes indicating what forms were required. All documentation detailing this is attached as files. It appears that these credit card people are in total disarray and are throwing up their own administrative obstacles in an attempt to NOT resolve this credit card dispute with XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31548
Submitted Via: Web
Date Sent: 2017-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XX/XX/XXXX I checked my credit report and noticed that a navy federal credit card was opened in my name back in XX/XX/XXXX and had a balance of XXXX . Before I even noticed about the account I had been receiving phone calls from random strangers who would n't identify themselves but knew all of my information including my address, social security number and banking information including security passwords. They used dead end numbers to contact me, telling me I owe them debts and if I did n't pay I would be taken to court which turned up to be fraudulent. The account had been being used time for time according to my report. When I called Navy federal about the account, I mentioned that I called my local police department to report identity theft along with freezing my credit reports, instead of helping me, they deflected my concerns and took it upon themselves of telling me that I should change account numbers and get a new credit card number. I mentioned to them that I never received a credit card at all and never got billing statements even though I have never gone paperless for any of their statements, which was confirmed by a customer service rep. This loan amount never appeared on my NFCU app until after the first phone call about the fraudulent credit card was made to the fraud dept. What is more crazy is I looked at the billing statement paper that was given to me, it also shows security flaws. These security flaws expose the credit card information associated with the account, and it also shows my personal access number which makes it seem like I am the owner. I noticed the card was named after my personal code word which I found to be a little crazy. I called four more times after that on the same day and when I attempted to find out how this credit card was opened, what address the credit card and billing statements were sent to, and if it had a pin number associated with it, with these obvious red flags of a fraudulent credit card account, I have been given the run around because if I were the owner, I would have known this information to begin with and would not have even called about the account in the first place. The last agent I spoke with, explained to me that I could shut down the account as they investigate this but they have not done an investigation, all they have done is after 15 days of not paying the monthly bill, the credit card account was put in default and sent to their collections department who has been doing deducting money from a joint savings account that 's between my spouse and I and using that to pay the credit card back without any formal consent. According to their credit card terms and agreement, the account will be in default after 60 days of non-payment, but as way for them to not take responsibility for their recklessness and security negligence, this fraudulent account was placed in default after 15 days, again violating their own terms and agreement contract. The only way I found this out, was by checking my NFCU app and saw that this money was transferred without any notification, thus breaking the protocol written in their credit card terms and agreement as it states that the authorized user is giving them permission to access and take money from all other accounts with NFCU to pay the delinquent account, but since my spouse and I were unaware of this fraudulent account until receiving my free annual credit report, we DID NOT give NFCU permission to access and take money from our accounts for this fraudulent account. The bank claims they have insurance to protect themselves from things like this, but they keep telling me I need to file a claim within thirty days from when it happened and it will be resolved. How can it be resolved if this fraudulent activity had been going on for over a year? How can I challenge this activity when I 'm challenging the whole entire account that is n't mine to begin with. The bank insurance should allow them to clear the fraudulent account out of my name and I can move on from this crazy experience. The bank claims I completed a phone application to get this card. if this is true where is my signature at? They also mentioned in there card terms and agreements disclosure the card is not valid in less my signature is on the back of this card and if this is true then the bank its self is going against its disclosure agreement. I have documentation to back up my claims and I will continue the battle to get rid of this fraudulent activity that NCFU has allowed even though they have been sued already.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have made several phone calls to Navy Federal Credit Union in the last year and have gotten nowhere. I opened a secured credit card through them in early 2015. When I opened the secured card with my {$500.00} deposit Navy Federal was supposed to take that {$500.00} and put it in a secured savings account. I lost my job and fell on some financial hardship and was unable to make further payments on the card. Since I was spending my own money, once I could no longer afford the card that should have been it besides any possible owed interest. Upon contacting Navy Federal I was informed that there had been an error on THEIR PART in which they claim that the {$500.00} that they were supposed to put aside into a saving account had been released back to me. I NEVER had a extra {$500.00} in my account. At this point they have refused to help me even though it was their mistake and the only answer I get is that I need to pay another {$500.00} or {$490.00} to be exact. This to me appears to be fraud or a scam. It has been acknowledged to me in three conversations that the problem appears to be on their end yet they refuse to fix it. It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Banking regulations and Defamation of character. My credit has suffered greatly from this as the reason I opened a secured line of credit was to help improve my score, this has only done damage.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2017-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A