Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ) has violated several of my rights. 15 U.S.C 1681 Section 602 A Clearly states that I have the right to privacy. 15 U.S.C. 1681 Section 604b A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C. 1666 B ; A creditor may not treat a payment on a credit card account under an o open -end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48601
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This are the Inquires i found on my credit score after receiving my score, i did not consent this Inquires. NAVY FCU XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NAVY FCU Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NAVY FEDERAL CR UNION Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX NAVY FCU Credit Unions XX/XX/XXXX XXXX NAVY FCU XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy federal placed a permanent restriction on my checkings and savings and membership acct, stating the restrictions are due to suspicious activities after contacting them via phone as well as visiting a Navy Federal local branch. Furthermore, I then received correspondence from them via US mail stating that my acct is restricted due to mis-handling my acct in the past. For the record I have done neither accusation mentioned above. I would like the restrictions to be removed from my acct so that I can resume with my normal life. Navy federal is treating me unfairly and unjust. Please help me correct this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My account was fraudulently charged!! Navy federal sent me this statement Thank you for contacting Navy Federal regarding the Credit card fraud claim submitted on XXXX on your Credit card ending in XXXX for the amount of {$13000.00}. My claim was denied for whatever reason!! I can not pay for charges I did not make. My purse as well as phone was stolen! Other cards were compromised as well as this one!! Navy isnt helping me! I am not paying for something I did not do! They denied a claim before as well that wasnt me. I cant do this again. I just want my money back!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was scammed by a XXXX buyer on XX/XX/2023 wanting to purchase a hand bag from me the Seller. I emailed XXXX at XXXX to get instruction on how to assist the buyer to purchase the hand bag because XXXX ( buyer ) payment was not going through. A XXXX Customer Care Team Person sent me her picture ID and text men the info I needed. I was told I needed to have {$200.00} in my XXXX account for the transaction to go through. I sent the {$200.00} from my Navy Federal account through XXXX ( all information will be sent in attachment ). The hand bag is a XXXX listed at {$750.00}. I received another email from the XXXX XXXX Customer Care Team ( she sent picture ID. Attached ) that I need to put another {$250.00} in my Poshmark account and I did via XXXX with a note on both transactions that the money was for XXXX XXXX Member ( to make sure it go to my account. I reach out to Navy Federal yesterday XX/XX/XXXX and XX/XX/XXXX that I was scammed after I didn't hear from XXXX after I sent the money twice I figured it was a scammed. I emailed XXXX XXXX several times and no responds. I spoke to a Navy Federal reprehensive again today around XXXX and explain to her what happen. She read the policies for scam refunds and she said my scam situation should qualify for a refund. Also, Navy FederalXXXX didn't give me the option to hold the second payment of {$250.00} until the next day. I also I talk with a supervisor regarding what the 1st Navy Federal Rep that I fall under XXXX guidelines to receive my money back because I though I was dealing with company employees. The supervisor said she gave me the wrong information. I used correct emails, etc. I am real sure that XXXX have employee workers and I know for a fact a buyer scammers that work direct in their company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681 e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44108
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: During Covid my Navy Federal credit card was charged off because I am a XXXX XXXX veteran and I lost income and had a hard time keeping a job so Navy Federal Charged off my Credit debt. I Requested the 1099 tax info on the charge off and sent them a certified letter requesting it and they have not sent it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Sent Letter to CFO of Navy Federal credit Union. I sought to pay off using the coupon. A Negotiable instrument and they refused. It but never sent the coupon back to me. Also sent a 1099A for complete payoff. Nothing heard. IRS RECEIPT XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92020
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: The complaint is on Navy federals negligence, lack of communication and not providing disclosure on fees rolled into the loan at the start of the loan process. Summary : My husband and myself started our loan process with navy federal as of XX/XX/XXXXXXXX We were assigned Loan Officer XXXX XXXX on or around XX/XX/XXXX, with little to no communication from her, she did not disclose any fees that would be added to the total of the Homebuyers conventional loan we applied for Suddenly on XX/XX/XXXX our loan was assigned to officer XXXX XXXX. XXXX and I spoke on XX/XX/XXXX and nowhere within that conversation did she mention to me the fees that would be applied to our loan total and nor did she mention that she would be out of the office from XX/XX/XXXXXXXX to XXXX I did advise XXXX that as of that weekend we were going to be viewing a home that we potentially be putting an offer in on, she said if we needed her we could speak with her that following Monday XX/XX/XXXX because she is off over the weekend. Again, no where did she mention she would be off on PTO. We placed in an offer on the home of interest as of Saturday XXXX, confidently knowing we could speak to our loan officer on XXXX, to our surprise XXXX was unavailable, and when we spoke to customer service they were unable to assist us with pre approval letter updates ( even though XXXX said they would be able to assist in the event she was ever unavailable ). During her absence our case was not reassigned to another Loan Officer which caused even further delays. When we finally were able to speak with XXXX on XXXX, she called me ( one time and only one time ) to go over our closing cost and mortgage estimate. She advised that when I called her back to go over if we would like to lock the rate in or not that she would be available. I called her back on XXXX, and emailed her with no response. It wasnt until my husband called her right after I called that we were finally able to get ahold of her ( she didnt have his number saved to her work cell ), I was able to call her after they spoke and escalated to her supervisor due to XXXX poor communication. I spoke to XXXX XXXX on XX/XX/XXXX and she apologized for the experience and after I requested, she provided us a 50 % discount on the appraisal fee, I requested a credit off of our overall loan but was denied even though she acknowledged we were not advised of the fee that was applied to the overall loan. We were then re assigned to a rep II loan officer XXXX XXXX. She called us on XX/XX/XXXX and broke down the estimate and fees to us, we emailed, called and texted with XXXX but we still came up with more roadblocks on communication with XXXX and with our processer XXXX XXXXXXXX. We were scheduled to close XXXX, we were told up until XXXX that we would meet the XXXX closing date. It wasnt until XXXX ( just 3 days from closing ) that we were advised by XXXX and XXXX that they wouldnt be able to meet the XXXX deadline. This was due to even more poor communication with navy federal, they advised myself and my realtor that we will not close till XXXX. They originally reproposed our new closing date to be XX/XX/XXXX but after countless calls, text, emails ( including a email from the sellers relator threating to pull the contract and sue us the buyer for not being able to uphold our end of the contract ) and escalating in the field/loan officer dept and in the processing department they changed it to XX/XX/XXXX. Supposed processer Supervisor XXXX XXXX and his indirect supervisor XXXX XXXX were able to get the sup in underwriting to process the request today for closing on XXXX. My husband and I are now having to request another PTO day to be able to handle closing even though it could have easily been completed today but due to Navy federal missing countless deadlines and having poor communication with us and the realtors we now have to push it to XXXX. The team applied adjustments toward appraisal fee and credit report fee but now I request due to the negligence of advising/disclosing the fee that is applied to the total of our loan, that should also be waived in full and taken off the total of our loan. The fact that I dont even know the name of the fee that was applied to the loan should tell you that the loan team did a POOR job in communicating what that fee is, I know names of reps/sups, dates and departments in navy federal due to the countless times Ive had to speak with them over our loan but somehow someway I do not know the name or info of the XXXX fee they applied to our loan. I need resolution and I need it ASAP. My husband and I will consider legal action if an appropriate resolution is not provided by navy federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX is third party vendor for the purchase of XXXX XXXX tickets in which I purchased as a gift and requested a refund. I did not attend the concert I disputed with XXXX and the bank Please see attached documentation for evidence in my case
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22406
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A