Date Received: 2023-08-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My debit card was used without my consent on XX/XX/2023 in the amount of {$400.00}. I did not authorize this charge or have the card in my possession. I misplaced my wallet on XX/XX/XXXX at a local hospital where I was present for an appointment. I did not notice my wallet was missing until the next morning. I called the hospital and was told it was located and was in lost and found. I retrieved my wallet latter that day ( XX/XX/XXXX ). Seeing that all my cards and ID were present I thought little of it. I noticed about a week or so later that {$400.00} had been charged on my debit card. When I contacted the business that charged the card it was for vehicle lockout service. I asked for the vehicle information and they told me it was for a XXXX XXXX. I told them that I own a XXXX XXXX and my keys can not be locked in my car because my vehicle automatically unlocks the doors if it senses the keys inside the vehicle and the door gets locked. I asked them to refund my money and explained that situation with my card. They refused to refund my money. I then contacted Navy Federal Credit Union and they did investigate this incident and issued a temporary refund. Then they told me that because my card was used locally it was not fraud and took the credit back. I do not think I should be responsible for this charge and would like help in getting my funds returned to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: DATES SHOWN IN ATTACHMENTS ACTIONS TAKEN TRIED REACHING OUT TO XXXX XXXX XXXX, TRUSTEE, AND INDENTURE TRUSTEE SENDING REGISTER BOND WHICH WAS ALSO SIGNED FOR RETUNED BACK STILL NO ACTION TAKEN NOR RESPONE GIVEN. 15 U.S.C. 1681a 1681a. Definitions ; rules of construction BY LAW SAYS IT IS ILLEGAL FOR CREDITORS TO REPORT LATE PAYMENTS A.K.A TRANSACTIONS ON CREDIT REPORT. ( 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. 18 USC 1951 INTERFERING IN COMMERCE CAUSING HARM AND THREATENING MY PERSONAL LIBERTY, RIGHTS TO CONDUCT TRADE OR BUSINESS. THIS IS A VERY VIOLENT ACT AS IT CAUSES ME TO NOT BE ABLE TO FEED MY FAMILY AND HARM UPON MY PURSUIT OF HAPPINESS TO FEED MY FAMILY. DENIAL OF CREDIT IS INTERFERING WITH COMMERCE, USING A CREDIT REPORT TO DENY ME CREDIT INTERFERENCE IN COMMERCE. AND YOU CAN NOT DENY ME MY RIGHT TO CONDUCT TRADE AND BUSINESS BASED ON THE FACT IM PROTECTING MY RIGHTS THATS DISCRIMINATION AND INTERFERENCE IN COMMERCE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89156
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I have disputed the fact that this company is broken multiple codes want my car title sent to me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89118
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: My business partner transferred almost XXXX to my accounts and the bank took money from my account and stopped all my payments of legal money that cleared cashiers check from a business transaction we had no reason for navy federal to say any fraudulent activity was going on but because we almost XXXX and my account was clean but they had been taken my money from my account without my permission reporting bad debts when I have proof of payments off my other accounts and they taken money out saying my bills arent paid Im 5 months behind but I am making payments now they just took my money closed accounts for no reason racism deception of lies and fraud on Navy fraud they are unethical and frauds and I would like a full investigation and all my funds return to my accounts I have paid my bills and the bank has taken my money and closed my credit cards I have been charged and money stolen and bad debts reported to my credit navy federal is a scam and I want all my money returned now with my credit report cleared of all business all credit cards closed they allowed fraudulent transactions on my account but I cant get my legal money they want give me no help I have had this account for years and they have denied me credit and defraud me for years and I have had enough Im going to file legal charges against them if I dont get my funds back and my account cleared of all debts
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: In reference to my credit report, which is maintained by your respective agency. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. Upon reviewing my credit report, I have discovered various accounts that I did not grant any written permission for creditors to furnish information to your agency. I understand that as per FCRA, you are obliged to investigate and verify the accuracy of the disputed accounts within 30 days of receiving this request. I written letter to XXXX, XXXX, and XXXX, in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I kindly requested that you provide me with copies of all documents, including but not limited to signed contracts or agreements, that demonstrate my written authorization for the aforementioned accounts to be included in my credit report. Please ensure that the provided documentation is clear and legible to facilitate my understanding. Please be advised that the continued inclusion of unauthorized accounts on my credit report by your respective agency is a violation of FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had someone still my DL, and SS since then they have fraudulent put things in my name. I provided the name of the person who did it on my FTC report. I also have a police report on the theft of my information. I tried to dispute with credit bureaus but they have not taken action
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75081
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: From XX/XX/XXXX to XX/XX/XXXX I was XXXX with the United States XXXX in the XXXX XXXX. You can reference the attached document to see that there was no activity from the credit card during the dates above. The balance of my credit card balance from XX/XX/XXXX to XX/XX/XXXX could not be paid as I had no reliable access to phone or internet. At the end of my XXXX in XX/XX/XXXX, I paid the outstanding balance in full, to include accrued interest from late/missed payments. I contacted Navy Federal shortly after paying off my balance to see if they could debit me the accrued interest to me as I had an excuse for not being able to make payments. I was told, " we don't refund or debit interest from missed payments. '' I also requested that they remove the credit suppression against my credit history. I was told, " its too late for you to fix your credit. '' I am writing now because I have become informed of my rights as a consumer and military member per Servicemember Civil Relief Act ( SCRA ). The negative impact to my credit will be corrected as these late/missed payments were no fault of my own.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91355
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the Consumer, and XXXX and XXXX are consumer reporting companies. 15 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of criminal convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A. " Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer may exercise the right to opt out at any time. '' I am declining your reporting services.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77316
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: When I financing my vehicle with Navy federal, I had purchased XXXX XXXX In the contract, it says that I cancel the XXXXXXXX XXXX at anytime. So when I traded in my vehicle, I called to cancel the XXXX XXXX, the customer service representative told me that I have only 60 days to cancel the service
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
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 has violated my rights. Under 15 U.S.C 1681 section 602 States, I have the right to privacy 15 U.S.C. 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C. 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: TX
Zip: 75181
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A