Date Received: 2023-08-07
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: I sent Navy Federal a cease and desist, a request for debt validation, an Affidavit of Fact, and an invoice along with proof of all the Fair Debt Collection Practices Act violations. It has been 30+ days and Navy Federal has failed to validate this alleged debt, failed to pay my invoice for all the violations they have committed against me, and has only agreed to cease communication.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Getting a loan or lease
Subissue: Problem with signing the paperwork
Consumer Complaint: On XX/XX/2023, I went to the XXXX NC Branch to apply for a used car loan. I had my children with me, I had a bill of sale with me and I recorded the transaction for my personal files and safety. XXXX was the representative that filled out the application on my behalf, he asked me a series of questions and he had me sign the electronic key pad for the promissory note, the GAAP Insurance and for the disclosures. I had asked XXXX XXXX for a copy of all the documents that I signed and he explained to me that he was not able to print them out at the moment but he assured me that I will retrieve the copies in the mail along with the response of a denial or an approval. I never received the copies. I did send an Adverse Action Letter upon receipt of the denial letter and then I received another letter from XXXX XXXX XXXX in response to my adverse action letter. I called customer service to get copies of the documents that I requested and I was asked if I had appealed the decision? I said I did not know I could Appeal the decision, no one had disclosed that information to me and is it to late to appeal it? The Rep. stated that it was to late to appeal it. She also stated that there are no signed documents along with my application. I know that the Bank that I am Banking with is committing Bank Fraud and there is no statute of limitation on Fraud. I still want a copy of all the documents that I signed on XX/XX/23 and I want this matter to be thoroughly investigated to further support my claims. I am the holder in due course and the original creditor therefore I was not supposed to be denied credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-08-06
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: Information belongs to someone else
Consumer Complaint: This is a fraudulent credit card that I have disputed before and it came back
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89118
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Today the date of the XXXX of XX/XX/2023 I called Navy federal Bank about my credit card. The reason for the call was to get info on why they never sent me a bill to my house they stated I signed something digital I asked for a copy of that and asked for my wet signature they stated they could not produce that to me. So then I said I need my physical bill so I can pay the bill the right way with remittance they stated we are going to send you a bill out in the mail. Then I asked them do I have equity in the securities that I offered when I signed this contract for this credit card the first person that was a customer service rep stated no you dont have no equity in Navy federal. I stated thats odd and then asked to speak with a supervisior. He got on the phone stated I heard you need help with your credit card sone complications. I stated yes I have complications and stated to him do I have equity in my securities when I signed my contract he stated no you dont have any and I asked him can I talk yo someone that is higher then you maybe your trustee or your cfo can send me a letter stating I dont have any. But thats something I know they are not going to do because it kinda states it on there website which I took I screenshot to show it states equity for members. And Im a member of this bank so Im asking myself it clearly states XXXX if there stating I dont this must be security fraud on there side because they legally placed the info on there website showing that members have equity. I need help with this please they wont let me transfer that equity to my principal balance to zero out my bill that is resulting in my being late. Account is # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I noticed Navy Federal Credit Union has a history of deceptive debt collection practices here -- -> XXXX XXXX XXXX Below is what I wrote to them : I am having an extreme financial hardship and {$1200.00} was transferred to a delinquent XXXX credit card ending in XXXX automatically from my checking without my consent. This is a policy I have never seen at any other bank and I wasn't clearly notified this would happen. I needed that for living expenses. In fact, it actually came from my business account ( which I am waiting on a new card ) so it would have never even happened, I was only transferring it to my person to use that card in the meantime, that's it. I am a 100 % XXXX veteran waiting on social security XXXX insurance ( XXXX ). My next hearing is on XX/XX/23 where they make a determination on my case and backpay for the last three years I have been waiting. The screenshot of the XXXX hearing and the amount transferred if attached. I did talk to the collections agent who only could reverse the recent transaction of {$43.00}, and that hasn't happened either, so I was lied to. This is making me not want to bank with Navy Federal at all, although I know you have to collect debts, to collect them against a consumer 's will is unethical and I don't remember the credit card application making that clear. It was one of those things in the " fine print ''. This is a shame as this bank is for XXXX XXXX service members and veterans, so there was a degree of trust in selecting you. XXXX is FAR better I have realized and I have had them for over 12 years. At the bare minimum, I will be writing poor reviews about these tactics and when I get the chance, I will no longer bank with NFCU. I also have finance lawyers IF NEEDED, but this is ridiculous. I have had to change old banks for other practices that were not right which later got the banks sued like XXXX XXXX and XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I authorised a final payment with NFCU on XX/XX/XXXX for my account and provided my bank account information. Now nearly a month later they have not only failed to process the agreement but claim when I call that it should have been completed by now.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 87114
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX In XXXX & XXXX I submitted a written request for XXXX XXXX XXXX XXXX to remove negative information from my credit report. XXXX XXXX XXXX XXXX agreed to remove this information in a contract with me in XXXX. Failure to honor this contract is considered wire fraud and breech of contract. It is now XX/XX/XXXX and XXXX XXXX XXXX XXXX has failed to respond to my request. Accordingly they are now in violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies by failing to provide notice within the time identified in the statute as described in section 603 ( p ). I respectfully request the CFPB to intervene and facilitate this complaint with an acceptable outcome outside of the court process. I have gotten copies of my credit report from XXXX XXXX XXXX, XXXX, XXXX & XXXX and noticed that an account I had with XXXX XXXX XXXX was on all of them.! I never authorized nor gave written, unwritten verbal and nonverbal communications to any of the 3 companies per 15 USC 6802. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without my written instructions Per 15 U.S. Code 1681a- ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] 15 U.S. Code 1666a & 15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of { {$1.00} } is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. XXXX XXXX XXXX - {$87.00} No Account Number listed. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: There was no fraudulent deposit transactions totaling {$8000.00} the money was then fraudulently Taken via my cash app account in the amount of {$7800.00} which was reported. I received the credit reversal of only {$6000.00}. If they can see {$8000.00} was fraudulently deposited and they took the {$8000.00} why would they not take the {$2000.00} and reverse it as well. I provided a cash app statement showing all {$7800.00} went to the same people all which were fraudulent. XXXX attempted to recover the funds but it was too late. Since {$8000.00} was taking my account was overdrawn by over {$500.00} which was then taking from my XXXX account to cover.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60538
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
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: Navy Federal Credit Union is unable to collect on a discharged debt. Per the IRS this is now considered a certificate of indebtedness which is income and can not be reported. The remaining account balance should be refunded to me. Navy Federal Credit Union agreed not to share my financial information with non-affiliates. XXXX is not an affiliate of Navy Federal Credit Union. XXXX is not the true credit bureau the CFPB is and they do NOT furnish credit reports. XXXX is an independent company and does not have my permission to report my financial information from Navy Federal Credit Union. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received wired funds to my NFCU account. Apparently, the sender had problems with her account at XXXX XXXX XXXX Bank. XXXX & XXXX then reversed the deposit to my account weeks later and NFCU gave them my personal funds in the amount of {$1100.00}, without notifying me. NFCU nor XXXX & XXXX will provide any information on why my account was used to correct a discrepancy caused by another party at another bank. I have been refused an explanation by all involved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22701
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A