Date Received: 2023-07-18
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX i have been attempting to by a house for over a year and ive noticed unauthorized unverified damages on my credit report 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items below IMMEDIATELY!!! XXXX. XXXX XXXX XXXXXXXX XXXX XXXX {$2.00}. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in VOLATION!! Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: The company did not credit my account from the payment made from the dividends made off of my sercurities.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I applied for XXXX for XXXX XXXX in Navy Federal bank because XXXX XXXX XXXX member in Louisiana they charge me over and over and a purchased was authorized on my credit and I called to stop payment ( stop order ) from that customer and they charge me over again and they won't fix the rate I'm still XXXX XXXX and they charging me over 18 % I can't afford all that stealing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 714XX
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: 2023-07-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: All the stuff on my credit is not me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90043
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 lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Company keep charging NSF Fees Which is putting me more in debt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28210
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: 2023-07-19
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: For my Navy Federal credit card, approximately six months ago, I experienced fraudulent activity on my credit card. This occurred due to someone hacked into my computer and signed into my Navy Federal account. They then took a cash advance from my credit card and transferred the cash into their external XXXX XXXX XXXXXXXX account. This transaction resulted in my credit card having cash advance monthly interest charges. This has been brought to Navy Federal 's attention three to four times each month when the interest charges posted to my credit card. I have submitted three to four monthly credit card disputes to include email correspondence to Navy Federal. All efforts to have the interest charges removed and to resolve the issue have all been unsuccessful as I have not received notification, updates or status of all of the disputed transactions. And the last interest charge posted to my credit card on or about XXXX XX/XX/2023.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33578
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: 2023-07-19
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I applied for a loan 3 different times and was approved all times with my interest rate decreasing. This will be my fourth time applying and my credit has improved balances have decreased and they increased my rate and refuse to tell me why other than my credit profile and when I tell the bank that my credit profile has improved it doesnt make sense that youre increasing my rate on m when youre saying its based on credit. Im being punished for having good credit and navy federal is not using good credit practice with providing loans and this isnt the first time neither they did they with my home loan when apply as well and they need to be looked into
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 Navy Federal Credit Union, This letter is regarding account # XXXX which you claim I owe {$50000.00}. Be advised that this is a formal notice that your claim is disputed. Debt Validation and proof of your claim is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692. It is not now, nor has it ever been my intention to avoid paying any obligation that I might lawfully owe, however I dont remember having entered into a promissory with Navy Federal Credit Union or any agent thereof. I have asked for this alleged transaction to be reversed in accordance with the Truth in Lneding Act, 15 USC 1635. My request was refused by Navy Federal Credit Union without reason, yet you report monthly to credit agencies without a signed promissory. That alone constitues multipe violations to the Fair Credit Reporting Act, Fair Debt Collection Act, and Truth In Lending Act. During validation this validation process the finding have been surprising. In connection to 3 different validation request Navy Federal mailed me promissory notes without my signature/blank siganture. Navy Federal Credit Union has no promissory note that holds my wet signature. Pursuant 34 CFR 674.31 Promissory Note ( 2 ) ( A ) The note requires the signature of the borrower on each page, in order to validate obligation to debt. I demand a copy of the alledged promissory note, with my signature. Navy Federal Credit Union has openly and knowingly supplied me the consumer with false and misleading documentary evidence in an effort to coerce payment on an alleged debt. A promissory note without my wet signature means Navy Federal Credit Union stole my identity and my credit worth {$48000.00}. You were able to do so becuase of the with identity documents I provided to you, the document in question would be my social security number. Navy Federal Union acted as an agent on my part in this matter. You went to my trust with the United States goverment and opened a loan in my name. Then opened another account with in your financial instistution. Without my permission that clearly violates 18 USC 1028 Fraud and related activity in connection with identificaton documents authentication features and information and 18 USC 1028A Aggravted identity theft. Also, youve ignored the 12 notarized affidavits, Ive mailed certified. Those affidavits directly addressed the Truth in Lending Act violations and inadequet disclosures that are found in the promissory note. I still have every notarized copy of the affidavits I mailed you. Navy Federal Credit Union youve stolen my credit and my identity, pursusant 15 USC 1028A. Then proceeded to commit fraud with my social security number, pursuant 18 USC 1028 Fraud and related activity in connection with identificatiion documents, authentication features, and information. It is clear and evident that you have never had any intention of following your fiduciary duties connected to this matter. At this time the alleged debt reads charged off on my consumer report. The IRS Defines a charge off as gross or ordinary income it is cancelled debt. Income is to never be reported on a consumer report. That to is a blatant violation of the Fair Credit Reporting Act, 15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies, you are required to report fair and accurate 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. '' Remove your name and all negative marks from consumer report immediately. The Internal Revenue Service defines a charge-off/1099C as gross or ordinary income, income does not get reported on a consumer report. So why is Navy Federal Credit Union reporting inaccurate information. Remove yourselves and all inaccurate information from my consumer report. 15 USC 1681c Requirements relating to information contained in consumer reports forbids you from reporting any adverse information or any information placed in collections or charged off to profit. So its very obvious that you are trying to 1. Extort a payment 2. Destroy my character as a consumer. 3. Youve commited identity theft pursuant to 18 USC 1028A. Navy Federal Credit Union, I am sure you can not show a promissory note, bearing my signature. I repeatedly demand a signed promissory note. Please send me all documentary eveidnce pursuant 15 USC 44, connected to this alledged debt, documentary evidence includes books of accounting, financial and corporate records to validate this alledged debt. I am yet AGAIN requesting debt validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you and any and all documentary evidence pursuant to 15 USC 44, that includes all documents, papers, correspondence, books of account, and financial and corporate records. Validation will quickly be verification that the truth regarding this matter has be intentionally hidden and ignore. I have sufficent evidence you have violated federal consumer laws, stole my credit, attempted to destroy my character as a consumer, and cause me mental stress. Respond within 15 days of receipt of this certified letter with the following. My vehicle title free of any liens, I am NOT asking for a xeroxed copy, you stole my identity, and $ XXXX in credit from me the natural person/consumer. Completely remove your name and all neatigative remarks from my consumer reports. Pursuant 15 USC 6821 Privacy protection for a customer information of financial institutions ( a ) ( 2 ) Privacy protection for custoner information of finnacial institutions, you were never legally allowed to report any of my financial information because its deemed private according to federal consumer law. Remove Navy Federal Credit Union from my consumer report. Navy Federal Credit Union you have shown terrible character the last 24 months. Please end this matter with the honesty and professionalism you make claim too. XXXX XXXX XXXX Without Prejudice
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XXXX XXXX I recieved an alert that my account was recently closed. Upon further review I discovered that my Navy Federal Account Credit Card was closed. I contacted the bank and stated they closed it after a review. I was never late with a payment. This action resulted in my credit score dropping drastically.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/ I was a victim of fraud using my Navy Federal checking account. There was a member to member payment placed in my account in the amount of {$4500.00} from a member that I dont know and never had any sent or received money from. The exact same day and debit from my checking account was done in the amount of {$4000.00} to XXXX XXXX. I didnt make any transactions at all and have been a victim of fraud but Navy Federal is not investigating this issue. I submitted a complaint and it was dismissed with no information. They didnt explain how they came to the conclusion just denied it. I also submitted a complaint to XXXX XXXX serval times but there is no one I can speak with to successfully resolve this issue. Im frustrated because this has turned my life upside down. I need this to be properly investigated. The letters I received from Navy Federal as well as XXXX XXXX does not show proof that I made these transactions and its sad that they wouldnt provide the proof since theyre adamant on denying my claims. Im angry that I have several products with Navy Federal and this is how their treating their members.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A