Date Received: 2023-07-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy Federal need to reference this complaint # XXXX where its stated the RESTRICTIONS were removed. Unfortunately the member to member transfers that took place the same month as the freeze XX/XX/XXXX even after restrictions were removed it has kept {$11000.00} floating in the running balances of XXXX members but wasnt made available. Weve contacted the bank for months on our own and through our attorney and the unauthorized restrictions were removed partially. Several letters where submitted advising that all trans actions were authorized. The account was never compromise. XXXX members have been suffering for XXXX months with the money that was transferred to them is still restricted even though those restrictions were supposed to be removed XX/XX/XXXX as stated in this previously complaint XXXX. I sill copy and paste the verbiage submitted to Navy Federal anc nothing has been done to fix it. The account is suppose to be heavily notated thAt only written requests are allowed and NOT phone calls. Please have Navy Federal release funds that was transferred to the other members, THIS HAS BEEN GOING ON WAY TOO LONG! WHEN THE ACCOUNT WAS UNFROZEN XXXX XXXX ALL OF THE MEMBER TO MEMBER TRANSACTIONS SHOULD'VE BEEN UNFROZEN AS WELL. THAT'S {$11000.00} that belong to other members that's been frozen for XXXX months. XX/XX/XXXX all restrictions were removed but no one removed the restrictions on the funds in their accounts. Each time they call customer service theyre instructed that XXXX XXXX has to say it was authorized and this has been done repeatedly. ALL my requests are to be in writing NOT phone calls. RECORDED AUDIO IS ATTACHED. No one is reading the notes on my account. XXXX XXXX and member ID XXXX. Security has a copy of my finger prints and my state issued prison ID from the Texas Department of criminal justice. It's already established that ALL requests from me should be in writing NOT phone calls. A security word was added and was required to be added to all my written requests. XXXX is my security word because I was instructed XXXX!!! had to be changed. All recordings are attached, When Navy Federal froze my bank accounts XX/XX/XXXX for almost a year and my wife and I fought to get bank unfrozen Navy federal released those funds XX/XX/XXXX after we sent several requests and made several unauthorized XXXX way phone calls. It's illegal for me to make XXXX way calls from prison to the bank that's why after we cleared up the last issues phone calls aren't to be requested and ALL my requests were to be in writing. All of the phone calls were recorded and it has been noted that phone calls aren't required. Read the notes and release those funds that were authorized and transferred to member to member that is still running in their available balances but Navy Federal failed to release after they UNFROZE our accounts back in XXXX. Navy Federal leave us with no choice but to file for protection against this continued harassment and blatant decision to not follow typed instructions that's in my records. This experience has been disgusting and well noted by security, customer service and the account compromise department, My account was never compromise and it's been well noted. So a phone call can't be established from the prison to Navy federal. There is very clear instructions that only WRITTEN REQUESTS can be honored. I've sent written requests with XXXX signed signatures with security word. You not only ruin my life but you ruin my wife 's life and our businesses and our marrriage. I don't understand why the largest bank in the world make the conscious decision to make up rules as you go. The jury will listen to all evidence and it'll be clear that you've failed me as my fiduciary. When my bank account was unfrozen ALL of the transfers that were frozen should have been unfrozen in XX/XX/XXXX. XXXX XXXXXXXX XXXX account was sent {$3000.00} he is a family member, XXXX XXXX was sent {$3000.00} he is a family friend and my step son XXXX XXXX XXXX was sent {$5000.00}. Letters and all the phone calls that I could make have been made already. It's been established that phone calls isn't an acceptable form of communication and only written requests should be submitted and accepted. READ THE NOTES SO YOU CAN SEE NO PHONE CALLS SHOULD BE REQUIRED. The recordings attached will prove how inconsistent and unprofessional that Navy Federal has been. You've failed to unfreeze ALL funds that were frozen. When the account was originally frozen your negligence caused us to lose the XXXX XXXX XXXX that you financed because that was lost due to a mechanics lien in XX/XX/XXXX because my wife couldn't pay the {$1800.00} mechanic bill. You've ruin my credit because for XXXX months we couldn't make any payments to any of our creditors. Please forward this email to security representative as well as to your legal department to review. I'm telling you that this is a grave mistake on Navy Federal 's part and we implemented a system to avoid this from happening again. The account was suppose to be well notated that since I was in prison that no phone calls would be expected ever again. I've been incarcerated since XXXX and I no longer wish to play with my freedom by breaking the rules by placing illegal anc prohibited XXXX way calls. Texas prison doesn't alloe XXXX way calls. We took the risks before to get account unfrozen but it was established that phone calls were prohibited. After the traumatic experience that caused my wife to be homeless, caused us to missed business opportunities, caused us to still owe monies out, mental anguish, pain and suffering and much more the account should be heavily notated. I would advise you that when your security or legal department listen to the audio that this is a simple fix because those funds should've been released when the accounts were unfrozen. Navy Federal has failed me. The manager XXXX XXXX who is the reason why my bank account was originally unfrozen I pray he can listen to audio and explain that these accounts were unfrozen and therefore any transactions that were frozen should've been unfrozen. Written requests stating all transactions on my account was authorized were submitted over XXXX times in writing with my signature and with my security word. Navy federal just dropped the ball and didn't finish the job. The original accounts were closed and I opened new accounts. PLEASE PLEASE PLEASE READ NOTES ON ACCOUNT AND UNFREEZE FUNDS THAT WERE SENT TO XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX. Please review the attached audios. XXXX : XXXX ( https : XXXX ) XXXX : XXXX ( https : XXXX ) XXXX : XXXX ( https : XXXX ) XXXX : XXXX ( https : XXXX ) XXXX : XXXX ( https : XXXX ) XXXX. https : XXXX ( https : XXXX ) XXXX. https : XXXX ( https : XXXX ) XXXX. https : XXXX ( https : XXXX ) XXXX. https : XXXX ( https : XXXX ) --
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was first XXXX for 9 months then I was XXXX and still is an unauthorized person has gotten a hold to my debit card and been using it for the last XXXX XXXX months. Ive provided documentation that Im in the XXXX as well as a police report at the bank is refusing to do anything.NFCU Has a history of denying customers fraud claims without even looking into it. Something needs to happen Im a widow and need my funds. Ive been with NFCU 4 Years and never disputed anything.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a prepaid card with Navy Federal. I placed about {$11000.00} or more on the card. I also had employment insurance just in case of job loss. Unfortunately, I did experience a job lost. I called and called Navy Federal in enact my employment insurance. I had paid on that insurance for months. They gave me for run around from one department to another. In the end, NO ONE helped me. Even after they kept sending me late notices. I still called them to no respond to resolve the issue. Now they are reporting FALSE information on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft by a family member. I disputed a fraudulent credit card debt with Navy Federal Credit Union and all credit bureaus. I contacted Navy Federal on today XX/XX/2023. I was transferred to the credit card department I was asked for my social security number I explained to the rep in brief detail why I was calling. My main purpose was to ask why someone in their ( Navy Federal ) credit card department was fraudulently reporting erroneous payment data to XXXX, XXXX, and XXXX XXXX. I explained to them that they were in violation of the FRCA which is a serious violation. Navy Federal is not only reporting a fraudulent account but increasing the balance by small denominations. When I realized the account was on my credit I called and requested it be closed down this was in XXXX but yet Navy has reported the following data for the last 5 months as 30, 30, 30, 60, 90 days late. This is fraudulent. I did explain that they have an obligation to provide me with validation of debt. The representative I spoke with stated that her supervisor told her to tell me that they couldn't speak to me further because I was seeking legal action against them. But yet they have the audacity to try and intentionally harm my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
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: This is in regards to a national scam in which multiple victims have been a part of. The scam was very complex, but I tried to gather as much information as I could. XX/XX/XXXX I contacted a XXXX XXXX XXXX on XXXX on XXXX, XXXX XXXX. She posted ads regarding short term rental services. Her business was to find properties that agreed to allow rental arbitrage and then completely furnish and manage. She initially offered a XXXX, XXXX property. I paid an initial {$4500.00} deposit for it on XX/XX/XXXX through XXXX with my XXXX credit card. XX/XX/XXXX We later switched to XXXX properties in XXXX and voided the XXXX property contract. XXXX then suggested XXXX wouldnt be a good property and told me I should switch to a property in XXXX, CO. I declined, but saw she was doing a special deal for 2 properties in XXXX so I asked if we could switch to 2 properties there instead. She accepted, but said I needed to get 2 properties as well as a third property in XXXX to fulfill the XXXX listing I had wanted. So there were 3 apartments altogether in XXXX I was supposed to purchase her services for. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX also operates with another entity with whom she says is her sister and whom she made me send the money to. XXXX XXXX - XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX This is the company I made payments to through XXXX with my credit cards. I used my XXXX XXXX Credit Card and my XXXX Credit Card to pay her. I used credit cards to protect myself against situations like this. XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX {$9300.00} XX/XX/XXXX XXXX XXXX - NFCU XXXX XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - NFCU XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX - NFCU XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX - NFCU The total amount XXXX XXXX XXXX took from me was {$31000.00}. XX/XX/XXXX She finally sent another invoice request in XX/XX/XXXX, asking for roughly {$19000.00} more. She stated she would not start until she received those funds. Those were extra and out of contract, but each property was only {$10000.00} to acquire and I had already sent over {$30000.00} for the XXXX XXXX properties. I asked XXXX for proof that she had this exclusive deal with the apartments allowing short term rental, because laws are very strict against short term rentals in XXXX. She sent me spoof emails impersonating those apartments of which I have copies. I visited both apartment complexes in XXXX in XXXX and asked if they had ever heard of XXXX or The XXXX XXXX and they said theyve never spoken with anyone with those names. XXXX hides behind her " cohosts '' and other partners so her name doesn't show up on leases. I showed them the fake emails and they confirmed those werent from their corporation. XXXX had a unit at The XXXX XXXX apartment illegally running short term rental and management found out and evicted her. When I confronted XXXX about it, she denied everything and told me I still owe her money. I never received any services or products owed. I then stopped speaking to her. I hired my own personal lawyer to submit a federal judgement against her. My lawyer spoke to XXXX and refuses to refund me. Since then I have searched for others who have been scammed and found dozens of victims. We have finally found out through multiple private investigators and lawyers that XXXX is a professional scammer. She is linked to multiple evictions, XXXX social security numbers, and federal judgements. The list goes on. As soon as I was aware, I contacted XXXX and Navy Federal Credit Union in XX/XX/XXXX. XXXX immediately refunded the disputed scam amounts. XXXX XXXX has not refunded me and continues to deny protection. I have submitted multiple letters with evidence and called several times. Their online system kicks my disputes back saying I need to submit evidence, but the evidence is clearly attached. When I call they said they would not provide any protection. I paid with credit card on purpose to protect myself from situations like this, but Navy Federal is failing to provide any security. I have been with Navy Federal for a long time as I am a XXXX XXXX XXXX XXXX from XXXX and feel taken advantage of after many years of loyalty as a customer. My last phone call to NFCU was XX/XX/XXXX and they still refused to offer any assistance. Please help me resolve this situation and prevent my credit from being ruined. I have more evidence if needed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91501
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Getting a line of credit
Subissue:
Consumer Complaint: i applied for an XXXX dollar personal expense loan with navy federal credit union yesterday ( XX/XX/18 ) and today it was denied. so i did an appeal and the appeal was denied. but i asked the rep to notate that i wanted them to repull my credit for the appeal but they never did. i know because i get alerts when my XXXX is pulled. they pull XXXX for personal loans but this time they didnt bother pulling my credit. they are bad for business. at the end of this month i am closing my accounts and no longer doing business with them. i am going to report them to the department of justice soon
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2023 I was speaking to a Custom Service Rep/ Supervisor who did try to answer my question but they were not able to help me understand why XXXX was taking out in XXXX for XXXX company and denied XXXX times for another. I was told on a recorded line that ended at XXXX pm that they only allowed during tax time and I informed them I am XXXX receive XXXX and I dont file taxes so why would that be applicable as I dont pay taxes and spend up tax money as the rep prior was told to say to a XXXX person who doesnt blow tax money because I dont receive it. I went on XXXX XXXX to ask fellow Navy Fed members do any of them have insurance being taken out of a regular savings or shared savings that are being utilized and out of those how many have are currently still allowed? That would be a huge contradiction and then my thoughts of the whole its tax time seems a bit discriminatory even with the best verbiage. I posted on XXXX XXXX to get some answers bevausr I would like an explanation. When Speaking with the Supervisor I was told verbiage they follow policy and that I was given a courtesy for the transaction from XXXX weeks prior which contradicted the entire statement and conversation which is my issue. So when speaking telling a person they allow during tax times and toward the end of the year they stop I informed the supervisor I have all my correspondence from when my husband and I opened the account. I do not see in policy who is the deciding factor for choosing when and why they will or will not allow you to pay out of savings because I currently pay all XXXXXXXX XXXX XXXX XXXX XXXX from that account but they rejected XXXX with no correspondence. I do not see anything about tax time or courtesy and its alarming?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023 I arrive at XXXX car wash a self serve car wash .I purchased one wash service for {$14.00} and a second service for {$2.00} totaling charges were {$16.00}. Somehow they were batched together by the care wash financial payment processor incorrectly charging my debit card {$1600.00}. On XX/XX/2023 I called @ XXXX XXXX stating I did not make that charge for that amount the representative communicated to me that it was two pending charges of the same amount which I observed myself on my account. The representative stated that I did not have to do anything that they were going to take care of the dispute. On XX/XX/XXXX XXXX I received a letter stating the provisional credit that was applied since the merchant issued a credit in the amount of XXXX the provisional credit was removed once investigation is completed. I will receive a final letter. on XX/XX/2023 I receive another letter stating that they have made a final determination based on the facts that my claim was found to be valid and that the provisional credit issue is now permanent, and will not be reversed. On XX/XX/2023 I received another letter stating that my account was in the negative for a credit that was determined valid. Ive received three conflicting letters reached out to Navy Federal to resolve this matter. The few representatives that were trying to assist me with the issue expressed that someone in the fraud department failed to do their job every manager or supervisor that I have spoken with failed to return my phone call I had too repeatedly call no one would not return my call. This is unacceptable and unfair this situation has interfered with my well being. Ive have been a member for XXXX but something that was out of control Im the one who has to suffer because of an individual who did not do their job correctly.No one at navy federal did not try to help me with this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency 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 the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX XXXX are 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. '' Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. '' Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. '' These accounts are adverse items 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 is 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. I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, or non-verbal per 15 USC 6802 and 16 CFR 313.4. XXXX you are also in violation of P.L. 90-321 ( 82 Stat. 146 ) for not obtaining my express written consent to add any of the aforementioned accounts to my consumer report. Furthermore XXXX is also in violation 15 U.S Code 1681 ( Pub. L. 90321, title VI, 602 ), for Inaccuracy and Unfairness of my consumer report by reporting the aforementioned accounts, which have been removed from my XXXX consumer report for similar FCRA and Privacy Act of 1974 violations. Additionally XXXX is in violation of 15 U.S Code 1681a ( 2 ) ( Pub. L. 90321, title VI, 603 ), for reporting " Information solely to transactions, or experiences between the consumer and the person making the report '', further violating my consumer rights to privacy. This is causing me harm and distress by defaming my character and credit worthiness, which has resulted in denials of extension of credit and adverse action against me by creditors. Furthermore, XXXX has committed multiple counts of copyright and trademark infringement for unauthorized use of my protected property " XXXX XXXX XXXX, by selling of and profiting from my property, to but not limited to ; subprime lenders, 3rd party data collection agencies, and other non-affiliates without my notice or consent. Lastly XXXX has committed multiple counts of Securities Fraud by purchasing and selling retail installment contracts, credit card applications, and other consumer credit contracts baring my wet signature, on the secondary market, that XXXX was never a party to and lacks full contractual capacity and security interest. XXXX I'd like to remind you that you this is not only a violation under The Securities Exchange Commission but the Federal Trade Commission as well. Let it be known I have also sent a copy of this notice to the Federal Trade Commission and The Attorney General. Furthermore, I am aware that you are monetizing from both affiliates and non-affiliates, by selling my personal information ( Trademark protected property ) to subprime lenders without my express consent or notice. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Im looking forward to your timely response and handling of this matter of equity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77382
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX in Florida refusing to refund the unauthorized transfer of my entire balance on XXXX of XXXX to an unknown person by wire fraud on my personal checking account. They alllwed me {$400.00} advance while investigating. I was on phone with customer rep over XXXX after I received a text message asking me if I authorized the transfer- if not call them. I immediately phoned n customer service said someone went into my account n changed my email address n even had set up bill pay for a future date but they didnt get pass my security questions. So how could they transfer my money without my knowledge to someone XXXX dont know XXXX XXXX?? after investigating they closed my acct and refusing to return my balance of XXXX n closed my account. No one has my permissions to remove money from my account. Also Im a victim of identity theft. Also need help with chase bank in ft XXXX fl.I have a personal checking account which receives my social security XXXX checks and used that account to deposit funds from my Llc business acct in which I tried several times to set up so I could keep funds seperated. They are refusing to release my balance of {$99000.00} holding it since XX/XX/2023. The bank rep lied and told me the check was in the mail after I went into bank in pouring rain over 5times providing my Llc n invoices they requested on large deposit made to XXXX XXXX XXXX I .Kaye n I have spent over five hours demanding they release my balance since they also closed my bank acct and refused to open a business acct and customer service lady XXXX XXXX into the XXXX checking sitelisting Im a fraud victim since someone did go into my checking trying to steal my entire balance by transfer n XXXX XXXX but XXXX caught it. This is causing me to literally starve to death and extreme hardship on my family. Im a hurricane disaster survivor whose home was destroyed XXXX a XXXX senior citizen! Navy fed bal XXXX and. XXXX balance of XXXX! I want my funds released immediately.please help me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34982
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A