Date Received: 2023-09-01
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: ON MY ACCOUNT THERE WAS A NAME XXXX XXXX WAS ADDED TO MY ACCOUNT WITHOUT MY CONSENT ALSO THERE WAS CHARGES RACKED UP ON THE ACCOUNTS AND I DID NOT ADD THEM TO MY ACCOUNT IN TRYING TO WORK WITH THE BANK TO REMOVE THE NAMES AND FIX THE AMOUNT ON THE ACCOUNT ENDING IN XXXX {$20000.00} ALSO ACCOUNT ENDING IN XXXX {$10000.00} IN CHARGES WE DID NOT MAKEON THE ACCOUNT IT WAS ALL MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT. THERE WAS UNAUTHORIZES CREDIT CARD CHARGES ON THE ACCOUNT, ALSO SOMEONE WAS ADDED TO MY ACCOUNT WITHOUT MY PERMISSION I TOLD THE CRDIT CARD COMPANY AND THEY ARE NOT TRYING TO FIX THE FRAUD ISSUE. IDENTITY THEFT WAS TAKING PLACE ON MY ACCOUNT PHONE NUMBER EMAIL ADDRESS SOCIAL SECURITY NUMBER DATE OF BIRTH WAS USED TO MAKE FRAUDULENT CREDIT CARD IN MY NAME IT WAS ALL MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT AND CLOSED ACCOUNTS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: {$9400.00} was taken out of my accounts checking and credit card. By a person named XXXX XXXX on XX/XX/2023 {$4900.00} XX/XX/2023 XX/XX/2023 someone transferred from shares XXXX $ {$3400.00} to my checking account XX/XX/2023 {$4500.00} he took {$4500.00} XX/XX/2023 my credit card cash avd was hit I need help, because the NFCU has not put this money back into my account. I had reported this to them, as soon as this had happened On or about XXXX XX/XX/2023. when I was not able to get into my account on line. I have went 3 days without with real answers, onhow to fix this problem.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77471
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I got a letter in the mail today from Navy Federal Credit Union, which I've never heard of before, with a debit card associated with a savings and a checking account. I have not opened any such accounts. Apparently they did this all on their own without my knowledge or consent. I scanned the document with the debit card attached and have attached it to this complaint. I think all the information you need should be on that. I don't know anything more.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/2023 I applied and gave NAVY FEDERAL CREDIT UNION an application. I, the consumer Was denied credit by NAVY FEDERAL CREDIT UNION when I applied for an auto loan. On XX/XX/2023 for used vehicle of the amount of {$70000.00} which the vehicle is now {$65000.00} that I need to earn a living and provide for my XXXX kids. Thats also why I wanted a nice reliable vehicle with room for my XXXX kids. I was not given equal credit opportunity. So if someone with a better credit report or standard gets approved and I didnt that is discrimination thats not equal credit opportunity. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. They are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by NAVY FEDERAL CREDIT UNION due to the response I received. NAVY FEDERAL CREDIT UNION is in violation of 15 U.S. code 1642. U.S.C 1681m and 12 CFR 1002 because I, the consumer Made an application in good faith. But credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of NAVY FEDERAL CREDIT UNION And damages have been done such as to my consumer report, Mental anguish to myself and my kids, I can not go to point A to B to earn a living and have hindered me to be able to go to store to provide for my babies. Regulation B protects applicants from discrimination in any aspect of a credit transaction. Credit transactions and aspects of credit transactions include : Consumer credit Business credit Mortgage loans Refinancing Open-end credit Credit applications Standards of creditworthiness Denial of credit Servicing and collection Revocation, alteration, or termination of credit The regulation covers topics such as : Discrimination Discouragement Notification of action taken ( including adverse action ) Appraisal and other written valuations Special purpose credit programs Limitation on collection certain protected information Self-testing and self-correction Evaluation of applications Signature requirements Mandatory information collection for monitoring purposes
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act 15 USC 1681 section 602 highlights the importance of consumer reporting agencies exercising their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent, as stated in 15 USC 6801. I am writing to express my concern about XXXX and XXXX, which are consumer reporting agencies that have been sharing my private information without my written consent. According to 15 USC 1681 section 604 a section 2, consumer reporting agencies can only furnish a consumer report in accordance with the written instructions of the consumer to whom it relates. As I have not given my written consent XXXX and XXXX do not have the right to furnish my private information. Furthermore, the financial institution that has been furnishing my information to credit agencies has not informed me of my right to exercise my nondisclosure option, which is a violation of 15 USC 6802 ( b ) ( c ). Additionally, 15 USC 1681C ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any adverse item of information without authorization under subsection ( b ), which I have not provided. XXXX and XXXX are not maintaining reasonable procedures to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title, as required by 15 U.S. Code 1681e. Therefore, I am exercising my right to opt out of their reporting services, as stated in 12 CFR 1016.7.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55112
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Account was closed and was not told why.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64134
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to dispute the following information in my file. I recently received a copy of my credit report. The credit report contains credit inquiries that I do not recall authorizing.The FCRA states that the only permissible purpose for pulling someones credit is for : XXXX. Firm offer of credit XXXX. Insurance XXXX. Employment XXXX. XXXX XXXX The following credit inquiries are related to none of the aforementioned permissible XXXX. Navy Federal Credit Union ( XX/XX/2023 ) XXXX. Navy Federal Credit Union ( XX/XX/2023 ) Please remove this hard inquiry from my credit report. I will also inform you that your offices have reported invalidated information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX, and XXXX ) this action might constitute fraud under Both federal and state laws. Due to this fact, if any negative mark if found on any of my credits by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : XXXX. Violation of the Fair Credit Reporting Act XXXX. Violation of the Fair Debt Collection Practices Act XXXX. Defamation of Character
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: Navy Federal and XXXX XXXX submitted a Hard Inquiry after canceling the morgage quote because lender would not approve morgage on these types of properties explicetly. and the lender refused to lend in the area requested by choice not by technicallity. Other lenders did not require hard inquiries to offer lending quotes and where able to complete the application process for loan approvals based on soft inquiries alone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The debtor has been sending legal forms and as a form of protection, I secured a lawyer. Payments were arranged but the debtor sent a motion to garnish my wages adding more charges.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navy Federal share my personal information with a third party without my authorization. They have also voilated my consumer rights granted by Congress. 15USC1681A 15USC1681B 15USC6802 15USC1605 I have tried my best to work with this firm, but they keep reporting false information on my consumer repair and I want them deleted immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A