Date Received: 2023-06-29
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On around XX/XX/2023, as a federally protected consumer was denied extension of my own credit for personal, family, or household needs by NAVY FEDERAL CREDIT UNION when I applied for an auto loan of about {$32000.00}. This denial has not only caused emotional and mental distress but has made it very difficult to be able to do the normal daily things that come with life, like going to work, school, grocery shopping, tending to family needs, etc. I feel like NAVY FEDERAL discriminated against me and treated me less favorably than other applicants. Denying a consumer/applicant extension of their own credit solely based of a " credit score '', " too many accounts recently opned '' " balance to high '', etc are NOT deciding factors. Especially when the definition of " Account '' means " an extension of credit ; open-end credit plan '' or when 15 USC 1666d tells you what to do with the treatment of balances Furthermore, NAVY FEDERAL is in violation of several federal laws and Congress made it clear when it comes to Adverse action against a consumer/applicant, however NAVY FEDERAL thinks they are above the law and feels entitled to dismiss what the law says. I have tried reaching out to them to make them aware of the situation and give them the opportunity to resolve this matter however have been unsuccessful. By denying extension of my own credit, NAVY FEDERAL CREDIT UNION has unauthorized use of my social security ( credit card ) pursuant to 15 USC 1602 ( p ). I believe the application that I filled out with my social security is actually the collateral security that generated the credit, since financial institutions don't have the power to loan ( 12 USC 83 ) but only to BORROW and PAY INTEREST ( 12 USC 1431 ). Adverse action against a consumer is PROHIBITED by law. Pursuant to 12 CFR 1002.2 and 12 CFR 1002.7, a creditor may NOT refuse to grant an individual account to a creditworthy applicant on the basis of sex, marital status, or any other prohibited basis. You can also find a clear definition of adverse action in 15 USC 1691 ( d ) ( 6 ). I also have reason to believe NAVY FEDERAL is in breach of fiduciary duties pursuant to UCC 3-307.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92203
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX I had a deferment of my payments when it changed from a line of credit to an conventional loan. I also deferred my payments to the end of the loan due to covid epidemic. Through this time of deferment this company has Reported late payments to the credit bureau as being late. This needs to be change as it was in deferment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi. I got to get passes XXXX XXXX 's organized crime gangs that block me from viewing my real credit report. I am again at the XXXX CA public library surrounded by people angry over me typing this. Meaning they are viewing everything I am doing on my phone and computer. They will have all my personal information. Please do something about these people and this issue. Okay So, I've reported before that my ex-wife XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been using my information, my parents information, my brother who is deceased information and my Son who died information. She is assisted by basically the Mob I mentioned surrounding me and my Brother XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX aka XXXX XXXX. XXXX isn't even supposed to be in the country do to stabbing me in the arm. It was an agreement she made to avoid criminal prosecution in XX/XX/XXXX. She has been terrorizing me along with many gang and political organizations she misuses for person harassment and revenge. Recently I seen many many many inquiries, wrong ss #, mispelled my last name, changed information at the social security office such as my Mother 's name, stole my credit and created a XXXX XXXX XXXX XXXX XXXX And obtained tax programs and government grants. Also a salesman named XXXX from XXXX 's discount in XXXX CA XXXX. I bought a XXXX XXXX si at the end of XXXX. He scammed me by calling me every few days and saying he messed up and I needed to sign a new contract. It's a scam run by the auto dealership and this salesman. I basically bought 10 cars. I'm pushing to get my social security number changed and my ex-wife prosecuted and file a lawsuit against California. Please do something immediately
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93291
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to Privacy. '' " According to the Fair Credit Reporting Act 15 USC 1681 section 602. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt 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 ' non public personal information. '' ( Furnishers 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 cirumstances and no other : in accordance with the written instructions of the consumer ( which is me ) to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and 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, 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 non public personal information to a non affiliated 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 otaher 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 1681s-2 ( 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 1681 e 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 in under section 1681b of this title. '' XXXX, XXXX and XXXX are not maintaining reasonable procedures. Aslo 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out your reporting services. ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I file a fraud charge to the Navy Federal Credit Union in XXXX, Arizona, that appeared on my checking account and I had never been in contact with the merchant. I forget the amount of the fraudulent charge. But I think if was for {$44.00} The person at the credit union I talked to was very efficient and polite. She explained to me my debit card will have to be replaced and for me to destroy the one I had. Instead of waiting for it to be mailed to me, on XX/XX/XXXX, I drove seventeen miles to the Naval Federal Credit Union and requested replacement of my Debit Card. The debit card was replace immediately. I then made a withdrawl from my checking account, and was expecting an automatic deposit of {$320.00} to appear in my account on the XXXX of XXXX for XXXX XXXX. I was also expecting my retirement check for {$3700.00} from XXXX XXXX XXXX XXXX to be deposited into my account on XX/XX/XXXX. I received an email from XXXX XXXX XXXX XXXX that these deposits had been credited to my account. The following day I received an email from the XXXX XXXX XXXX XXXX, stating my password had changed successfully. I tried to access my account I entered my password and my account wouldn't accept my password. I also tried my debit card and I received a note that my debit card was frozen for XXXX year. I called the bank and complained about the debit card being frozen for XXXX year and the representative I talked to couldn't correct the problem and she said she has never heared of any Debit card being frozen for a year. I couldn't enter my account.nor could I use my debit card and I had to purchase a few items from XXXX. I made my selections on XXXX and paid for them by using my Naval Credit Union checking account and routing symbol and I didn't use the debit card. After I made these purchases in the amount of $ XXXX was notified by XXXX that there was a problem with the payment and I had to use a different payment method. I cancelled the entire order.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I had an account with XXXX everything was fine was getting direct deposit and they were helping me fix my credit. My account was restricted after I notified them that there was a check that was deposited into my account and I didnt put it there and was wondering what was going on. They told me it will be an investigation that could take up to 30 days but never got back to me and now I cant even open a bank account anywhere. I was a loyal customer I feel they should unrestrict my account because Ive done nothing wrong
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2023 I submitted for a Loan with Navy Federal Credit union my Loan Processer was XXXX XXXX received my approval letter. I received my pre-approval letter XX/XX/2023. On XX/XX/2023 I ask for an extension because the first approval letter was getting ready to expire and I had found home that my wife and I like and wanted to purchase. It was approve also XX/XX/2023 the problem I am having with the denied loan is that I we set to get a closing day but instead was told it was denied because of a LLC that we have and last year had a lost of {$3000.00}, this information was disclose to them in the beginning before I order my home inspection and appraisal the appraisal and home inspection was accepted by the bank. I have a email from XXXX XXXX another processor ask me to submit a letter proving that LLC is close. Because that what the issue was. We gave authorization for them to pull taxes XX/XX/2023 and also sent by XXXX XXXX there down load app we sent them again XX/XX/2023 again assuring us that everything was good to go. I feel that they plenty of time to work with me about the LLC. I feel that I was
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Good Evening, XXXX XXXX here again, yes Navy Federal Credit Union eventually with so much outside interference approved the wire or we had to resubmit the wire from ( ACCT # ending XXXX ). on XXXX XX/XX/XXXX, I missed an entire closing for a real estate clearly listed within the wire that I will not be compensated for because of individual 's in the branches of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; as well as : XXXX XXXX XXXX XXXX, GA XXXX. I was still liable for those expenses incurred during this " XXXX inquisition '' I endured. And I would like some type of direction going forward as well as my expenses incurred to actually have faith and belief in this financial institution ( Navy Federal Credit Union ) which clearly had XXXX implications with me being a XXXX XXXX American. Kind Regards, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Your agency/agencies did not account for I being a man the XXXX XXXX as the XXXX XXXX is only visible on the limb of my person. They discriminated In refusing to apply equal credit opportunity act to accounts and I request assistance in doing so.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navy Federal Credit Union is inaccurately reporting a credit card over XXXX XXXX XXXX on my credit report. The credit card was settled and paid off and I was previously advised that once I settled and paid if off that it would be removed from my credit reports. Navy Federal still have not removed the credit card reporting from my credit reports as they promised to do once paid the settlement amount. The credit card was first delinquent in early 2016, and it has been over 7 years since delinquent and by law should be deleted and removed from my credit reports as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A