Date Received: 2023-08-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for mortgage pre approval through navy federal credit union yesterday XX/XX/2023. i was pre approved. today i have received non stop calls from other mortgage lenders and scam likely calls. in the last half hour i have received 13 calls. i did not request for nfcu to share my information with other lenders and certainly did not want it shared with robocallers. If sharing my information with other lenders was required during the application process it was not adequality disclosed. I would not have gone through with the application had i known my information would be shared widely.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I, the consumer, applied in good faith for a personal auto loan on XX/XX/XXXX for the amount of {$84000.00} for vehicle vin # XXXX. NAVY FEDERAL CREDIT UNION denied my application, stating denial based off information on my consumer reports and my credit score. I informed NAVY FEDERAL CREDIT UNION several times that there is no federal law stating that they can deny me an extension of my own credit. And in denying me, they would be causing adverse action against my natural and legal person. I informed NAVY FEDERAL CREDIT UNION that they are denying me my credit rights, secured by the Constitution and federal and public laws. 15 U.S.C 1611 states they can not give me false and inaccurate information. I explained to NAVY FEDERAL CREDIT UNION why income, consumer reports, and scores do not matter : 18 U.S.C 8. ... '' All debts are the obligation of United States Inc ... '' Emergency Banking Act of 1933. Social Security Act of 1935. The United States Constitution : Article 1 Sec 8 clause 1. " ... to pay the Debts and provide for the common Defense and general Welfare of the United States ... '' Article 1 Sec 10 clause 1. House Resolution 192 Public Law 73-10. There is no currency, consumer can not pay debt with debt. That's why with every account statement there is a payment coupon to discharge debt per U.C.C 3-306 ( b ). I entered into a beneficiary role with NAVY FEDERAL CREDIT UNION and I find them in default. NAVY FEDERAL CREDIT UNION did not act in my natural or legal persons best interests during my consumer credit transaction/ request for purchase money loan| financed sale.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received notices from XXXX XXXX XXXX XXXXXXXX XXXX XXXX attempting to collect a debt that i have no knowledge about. I requested copies of my consumer credit report to validate their claim and discovered a Navy Federal Credit Union Account being reported with a balance of more than {$1000.00} I have contacted Navy Federal Credit Union which is the original creditor about the fraud that is being reported as a result of identity theft, i attempted numerous of times to write XXXX XXXXXXXX XXXX XXXX XXXX XXXX about this matter however i got no results.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Its been over a year. For one it took for me to complain here in order to get a response from them. After complaint for months trying to see what was going on and why they denied claim and there evidence they responded to they use a system to verify thats not good enough I need answers because this is a lot of money and Im having to pay this back when the money was already took from me in the first place. Ive recently received information on who compermised my account I have text messages of the owner of the company admitting to her employee stealing from me yall gave me my money back and took it back thats y she thinks I got paid back this is annoying and Im ready for a lawsuit at this point made me loose my home and XXXX my kids stressing over money thats been wrongly taken from me Ive filed a police report what more do they want charges and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX like this was not me Ive submitted proof of days I know for a fact I was occupied unable to get out and make transactions and they still denied Ive reached out to the merchants and asked about the purchase on my card with the last ending 4 of it and theres no account for me there I contacted a place that was high in they require u to show Id and scan when purchasing I request the id scan there was none like what investigating did they do I want my account back I had a good amount of money going in and I want my money
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/23 and XX/XX/23 I sent a conditional acceptance to Navy Federal Credit Union ( NFCU ), asking for proof and verification of the alleged credit card debt and alleged personal loan debt. In these documents NFCU tacitly agreed that any negative credit remarks would be removed from credit bureaus. NFCU failed to provide satisfactory evidence of valuable consideration or any valid contract for the alleged debts ( both accounts ), and has refused to remove the negative credit reports from my accounts at the credit bureaus as of XX/XX/23.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2023 I received a Denial letter from Navy Federal informing me that I was denied my refinance based on " Property use does not meet occupancy requirements ''. I am requesting a further Investigation on this matter due to a conversation that I had with my loan officer. When I requested a change of person to take care of my loan, I got some resistance. I feel my documents & evidence were not fully disclosed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. ( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. IRS INSTRUCTIONS FOR DEBTOR. Instructions for XXXX XXXX received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/23 I received in my mailbox 15 debit cards from the Navy federal credit union that I never applied for. I contacted them about this and they were shocked that this happened. I also received text messages from them on XX/XX/23 if I used a card for {$1.00} several times. They told me that they are going to close the account and follow through by calling me on Monday to see what to do next.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: on XX/XX/2023 i processed with navy federal credit union a credit request for XXXX for a vehicle, they denied the XXXX, and approved me for XXXX, ( application number-XXXX ) I then spoke with an agent at navy federal , and was told to reapply for XXXX, because if i didn't have the XXXX down to put on the vehicle, i wouldn't be able to use the XXXX. I reapplied for XXXX on XX/XX/2023 and was denied, ( application numberXXXX ). i then spoke to a navy federal agent once, again i didn't understand why they approved me for XXXX, and then denied me? the agent told me maybe my denial was due to ( application-XXXX ) being still active and they may have thought i was applying for 2 vehicles. the agent suggested that i have to cancel the first ( application-XXXX ), so i could reapply again. the agent then canceled ( application-XXXX ), she than reapplied for XXXX for me over the phone, and, i was denied again ( application XXXX ) The Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that all consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers also to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states 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. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX does not and never had my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 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 convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed 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. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Navy Federal Credit Union ( NFCU ) violated my consumer protection rights on two basis. First, I applied for but withdrew my mortgage application, and without my consent, it was still submitted to underwriting. Second, because I was not given notice and opportunity to address the factors considered in my mortgage application, I have no choice but to believe the decision to deny my application was made based on my race. First, on or about XX/XX/2023, I submitted a mortgage application to NFCU. On XX/XX/2023, XXXX XXXX, NMLS ID # XXXX, of NFCU contacted me and inquired of information from me regarding my application. XXXX XXXX informed me that i should lower my requested loan amount by {$100000.00}, from {$500000.00} to {$400000.00} due to debt to oncome ration from my student loans. XXXX XXXX informed that otherwise, my application would be denied. I instructed XXXX XXXX to hold my application before sending to underwriting because I would not be able to purchase a home with the suggested loan request in a high cost of living metropolitan area. XXXX XXXX informed me that I would have the opportunity to submit documents indicating my true debt monthly payments to underwriting. After conducting further research, on that same day of XX/XX/2023, I learned that I pre-qualified with another lender with the requested amount of {$500000.00}. Subsequently, on XX/XX/2023, I exercised my right to rescind my mortgage application by providing written and oral notification to withdrawing my application. Hence, at this juncture the application should have been reported as a withdrawn application. Second, yet, without my consent, XXXX XXXX forwarded this application to underwriting. I was never notified that application was moving forward and I was additionally never given the opportunity to submit evidence regarding my monthly student loan debt payments. Nearly a month later, XX/XX/2023 at XXXX XXXX in the morning, I received notice that NFCU took adverse action and not only forwarded the application to underwriting, without my consent, but denied it. The denial allows NFCU to report the application as denied, instead of withdrawn. This adverse action affects my credit and credit oppurtunity to buy a home as an African-American single woman. It further affects the reportable data of denied home applications, specifically as it pertains to the home mortgage application approval gap between XXXX XXXX and other races. This widens the existing disparity. I believe NFCU took the adverse action based on my race, as I was not given notice and opportunity to address the factors considered in my mortgage application.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A