Date Received: 2023-08-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX ( Saturday ) my husband and I applied for a Mortgage consideration securely through NavyFederalCU. This was in an authenticated experience. This application did not included a corporate number of XXXX. On XX/XX/XXXX ( Monday ) beginning at XXXX - XXXX I received 75 phone calls where people are claiming to be mortgage wholesalers and claiming that NavyFederal and XXXX provided them with my information. They were calling on a number that was not disclosed on my mortgage application so I am unsure of where they would have received my information. These calls where borderline harassment as the sales representatives on these calls took strong attempts to keep me on the line. I called NavyFederalCU they assured me it was not their mistake. I spoke with XXXX, and they assured me it was not their mistake. I spoke with XXXX and their customer care team transferred me to the business solutions team as my credit bureau reflected that was the source of the pull. I requested to speak with a supervisor and was denied because I was a customer and did not have a business solutions number. I attempted to call NavyFederalCU again and get a supervisor and the agent told me there was not one available. Provided me a number to a supervisor who was not available. I asked to speak with one that was free and my call was disconnected. I feel like there is an issue with XXXX XXXX XXXX, and these 75 calls that were unsolicited to a number that was not used in my application with NavyFederal. As a consumer I am fearful of what other details these 75 organization or more received about me. These behaviors should be shut down immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32926
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I called Navy Federal Credit union customer service today XX/XX/2023 at XXXX XXXX and asked if my direct deposit could be made available since they advertise that your direct deposits will be available XXXX day early as a perk of being a customer at Navy Federal Credit Union XXXX The representative stated that my account had an alert on it because I had prior credit cards due which I paid in settlements to them XX/XX/2023 for the amount of {$5400.00} and was not made aware that my checking account would retain an alert on it on that doesn't allow the same features as every other customer at Navy Federal Credit Union. When I asked why this was and when it expires the customer service agent told me it never expires because I am marked as someone who was a loss to Navy Federal Credit Union. I don't think it's fair that without my knowledge I receive different treatment from the bank as a result of settling a debt with the bank from prior credit cards and I was not made aware that this would be the result of settling the debt with them that I would never be able to have a full account and full features with the bank and be treated differently as a member of the bank.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10033
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX contacted me in regards to a debt by Navy Federal Credit Union for a credit card debt. I was advised by the representative on the phone that he was seeing what he can do to secure an agreement before the file lawsuit on this debt. From research under California Law a creditor can attempt to sue on a debt when it has been less than 4 years from the date of last delinquency or last charge. My last payment was XX/XX/XXXX. This has now been over 4 years since the last payment or charge. Yet I am being threatened with a lawsuit. I would like all information on how they are able to sue on a debt past 4 years. I will need all this information so I can present to my representation and figure out how we need to proceed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX and FINAL NOTICE AND COMPLAINT BEFORE LITIGATION! ** There is a XXXX late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with Navy Federal Credit Union XXXX Account Number : XXXX, Which is reporting on my credit reports with XXXX, XXXX, and XXXX, which needs to be removed immediately. I was late due to me being sticken with XXXX and have been sick for the times up to the last late recent late payment, which was in XX/XX/XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( Navy Federal Credit Union Home Loan ) making the report is not included on my consumer report. Navy Federal Credit Union, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Also, I have proof of a letter from Navy Federal Credit Union that they would remove the late payment from the XXXX, XXXX, and XXXX, but failed to remove it. This is my last and final time discuss and complaining about this important matter. My next solution will be taking it through the Court System and seeking damages through litigation. Thanking you in advance for your cooperation. Please see attachments and proof that Navy Federal Credit Union would remove the XXXX late payments from my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: As per the FCRA Act 15 USC 1681 in section 602 the consumer reporting agencies should exercise their responsibilities with fairness and respect for the rights of the consumer privacy. XXXX, XXXX AND XXXX are considered consumer reporting agencies. And that makes me the consumer, I have the right to not share my private information 15 USC 6801, 15 USC 6802 ( b ) ( c ) Privacy Act of 1974, 15 USC 1681 ( c ) 12 CFR 1016.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: Navy Federal is reporting my Experience ( utilization ) and transaction ( account balance ) with their company to the Credit reporting Agency, XXXX. I feel like this is a violation of my rights as a consumer. My personal information is exposed to anticipated threats or hazards. when I applied for a car, a print out of my consumer report was furnished, I was not given that report and don't know what was done with it. My account balances were on that report. it could have been miss handled. my account balance has been used to verify my identity when speaking to a company regarding my personal account information. this is personal information that should not be included on my consumer report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor ( NAVY FEDERAL CR UNION ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 17901
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: To Whom It May Concern, I am writing to formally file a complaint against Navy Federal Credit Union concerning the denial of my fraud claim, despite providing substantial evidence to support my claim. I believe that my case raises concerns about the handling of fraud claims by the credit union, and I am seeking assistance and intervention from the Consumer Financial Protection Bureau ( CFPB ). On XX/XX/2023, I received a denial notification from Navy Federal Credit Union regarding my fraud claim. This decision came after I promptly reported an unauthorized transaction on my account and provided what I believe to be ample evidence, documentation, and context to substantiate my claim. However, to my great disappointment, my claim was denied without a comprehensive review of the evidence I had provided. I am deeply concerned that my case, which involved an unauthorized and potentially fraudulent transaction, was dismissed without proper consideration of the evidence. This situation has left me feeling unsupported and unsure about the fairness and transparency of the resolution process at Navy Federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01108
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: The CFO was sent a cease and desist letter dated XXXX XX/XX/2023 from sending any paper statement because the original loan was settled through the IRS. The bank instead resorted to numerous phone calls and notice letters of allege debt. This is a violation of 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A