Date Received: 2023-07-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navy Federal Credit Union ( NFCU ) is accused of violating federal consumer privacy laws ( 15 U.S. Code sections 6801, 6802, and 1681B ) by transferring my private information to XXXX collections without my consent. I have formally requested to opt out of their system and validate the violation for my NFCU accounts : XXXX & XXXX. Based on the above violations, I request that you take immediate action to : Opt me out of Navy FCU your system and any third-party databases. Remove my personal information associated with NFCU accounts : XXXX & XXXX. Cease any further sharing or disclosure of my personal information without my explicit consent. Under 15 U.S. Code section 6801, financial institutions have a legal obligation to implement measures ensuring the privacy and protection of their customers ' nonpublic personal information. This includes maintaining the confidentiality and integrity of customer data. The transfer of my personal information to XXXX debt collections and other third parties without my explicit consent demonstrates a failure to fulfill this obligation. Additionally, 15 U.S. Code section 6802 prohibits financial institutions from disclosing nonpublic personal information about their customers to non-affiliated third parties without meeting certain conditions. One such condition is obtaining the customer 's affirmative consent for such disclosures. As a customer of NFCU, I have not provided my consent for the transfer of my personal information to XXXX debt collections or any other third parties. Furthermore, 15 U.S. Code section 1681B states that consumer reporting agencies, such as XXXX debt collections, may only furnish credit information to those with a permissible purpose. If NFCU shared my personal information with XXXX debt collections without a permissible purpose, it would constitute a violation of this federal law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not open this account please remove
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94588
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: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. & & 1601, 1692 et seq, this constitutes timely written notice that I decline to pay the attached erroneous purported debt which is unsigned and unattested, and which I discharge and cancel in its entirety, without dishonor, on the grounds of breach, false representation and fraud. 15 U.S.C. & 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27591
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to the creditors for the removal of these fraudulent inquiries on my report and haven't had anything but empty promises to remove. I have also sent a previous FTC report over to XXXX and they suggested to do an updated report to include these inquiries specifically. So I would like to report and remove all inquiries dated XX/XX/2021 ( XXXX ) to XXXX XXXX XXXX ( XXXX XXXX ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Urgent issue - 2 month process ... Made up HOA fees, and other supposed liabilities. Given incorrect answers and suggestions based on false information -- ex., no you can not provide a market analysis or prove that you have a property manager to verify that you plan to rent out your current home and buy a new home BECAUSE the VA says so, then its because NFCU says so, and then its because my superiors said so. The VA allows for the things above and a three way call was conducted to prove that. No accountability after being proven wrong, just deflection and new changes to debt that were made up.Then, it's you can turn in your car and provide a signed lease and that will fix the exaggerated debt that they added/made up. Fabricated debt was confirmed by an employee on XX/XX/23 but was suspected a few weeks before. The request for the written breakdown was finally submitted after multiple requests and it seemingly intentionally omitted the falsified numbers that were concocted. False debt numbers inputted into our loan application on multiple occasions to make sure our debt remained high even after paying of the nine credit cards which improved our credit score. Would like assistance for someone to review our account with me. An updated loan estimate has not been provided since XX/XX/XXXX. Dishonest responses about the reason why potential rental income could not be used and no accountability when proven that the VA allows it, based on chapter 4 in the pamphlet and the correspondence we had with the VA on a three way call. Excessive tasks and constantly changing DTI percentages even when debt is paid down. Excessive email correspondences to hide and cover up the errors. Hang ups and no return calls from the next person in the chain of command. Constant changes in the potential closing dates by finding out that our information was never sent to underwriting. Incorrectly documenting that we are frustrated or any other emotion about the process. It has been two months since we reached out to start the process and our rate lock is expiring this week. Time is of the essence. A constant request to submit a signed lease or turn in our leased car although the numbers aren't adding up to merit such actions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28326
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XXXX I received a letter from the XXXX XXXX, FL Supervisor of elections that my data including name, address, social security number had been illegally obtained in an elections database breach. I have contacted the number on the letter and was given guidance to provide this letter to all of my financial institutions and to file a police report, which I have but am still waiting on since its an ongoing investigation involving over 50,000 XXXX residents. In XXXX I had noticed two successive transactions from my checking account to a sportswear merchant in XXXX for {$210.00} each. Which was unusual and NFCU found the transaction to be fraudulent. Nothing else unusual happened until the month of XXXX when several small, successive withdrawals from my checking account to XXXX totaling {$5300.00} as well as several small, successive withdrawals to a company called XXXX, located in XXXX, totaling {$4000.00} and a single withdraw to a company called XXXX totaling {$150.00}. During this time my email, several online services, business website and cell phone service were also compromised. I have been dealing with this issue and recovering my digital accounts and getting new financial accounts and cards as well as subscribed to XXXX XXXXXXXX. My next step is hiring an attorney to help with this matter. NFCU has provisionally applied a credit to my checking account for the amount of {$5300.00} but has defined the amounts of {$4000.00} and {$150.00}, claiming these amounts are typical activity without suspicion of fraud. Several round number amounts of {$120.00}, {$220.00} and {$250.00} sent over the course of a few days to a sketchy company located in XXXX is considered typical activity. I am awaiting the documentation they used to conclude that these transactions are typical activity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33596
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: ON MY ACCOUNT THERE WAS A NAME BY XXXX XXXX WAS ADDED TO MY ACCOUNT WITH OUT MY CONSENT ALSO THERE WAS CHARGES RACKED TO MY ACCOUNT AND I DID NOT ADD THEM TO MY ACCOUNT IM TRYING TO WORK WITH THE BANK TO REMOVE THE NAME AND FIX THE AMOUNT ON THE ACCOUNT ON {$20000.00} IN CHARGES WE DID NOT MAKE ON THE ACCOUNT IT ALL WAS MADE BY FRAUD PERSON AND WANT EVERYTHING TO BE REMOVED FROM THE ACCOUNT. THANK YOU
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: 2021 I received orders to go on XXXX while on XXXX my adoptive mothers was over my accounts and receiving fraudulent transactions notifications on my account she tried contacting navy federal credit union about these transactions which they told her she can not handle I was on XXXX so the only thing I was about to do was file identity theft due to my social security number and many other bank accounts being used after coming home my navy federal saving and checking accounts where closed and time after time I havent received any resolution as far as opening account back and navy federal reporting negative charged off account which by policy they have a no liability policy!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/, 2023 my Navy Federal credit card Flagship Rewards ending in XXXX could not be used for a small purchase of XXXX dollars. I received a telephone call from Navy Federal stating that I am no longer able to use or charge anything on my card ending in XXXX due to an old charge off auto loan from 2 years ago- loan number XXXX. I have been with this Credit Union for over ten years and have paid off several credit cards and loans in full. It's not that I do not have any available credit on my credit card I could totally understand. But to tell me that I can not use my credit card due to another loan that went bad 2 years ago this is XXXX I AM A XXXX MANT THAT OWNS A HOME PAYS MY BILLS AND FEEL THAT IA M BEING PUNISHED FOR ONE ACCOUNT THAT WAS CHARGED OFF TWO YEARS AO BUT I HAVE THREE OTHER ACCOUNTS WITH THIS CREDIT UNION THIS IS XXXX AND AI WANT SOMETHING DONE++ ABOUT THIS, PLESE HELP. IF I NEVER BEEN LATE WITH ACCOUNT OR ANY OTHER ONE WHY AM I AM BEING PENALIZE FOR ANOTHER, PLEASE HELP SO THIS WILL NOT BE DONE TO ANY OTHER XXXX AMERICAN
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I submitted a complaint about Navy Federal Credit Union not wanting to lower my interest rate or defer payments temporarily before. They relented until I submitted a complaint but have set terms that would cause me to default like making my payment due on a Sunday ( when nobody is working to collect payment ). They set shady terms that favor them and go against the consumber ( me ) to purposefully trigger a default or delinquency. The terms in the deferment state that my payment is due Sunday, but if payment is made early the lower interest rate they set will be canceled, and if the payment is made after the due date the card will be delinquent. These terms that they set are not conducive of honest dealing in caring for their customers nor fair. On the app they still have my interest rate at 17.99 % when it was supposed to be lowered to 3 %.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A