Date Received: 2023-06-24
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: Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent. Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar. The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more. The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported. 15 U.S.Code 1681a ( 2 ) ( A ) ( i ) Navy Federl Credit Union agreed to not share my nonpublic information with non-affiliate. XXXX is not an affiliate of Navy Federal Credit Union. 15 U.S.Code 1681a ( 2 ) ( A ) ( iii ) 15 U.S.Code 1681a ( 2 ) ( B ) 15 U.S.Code 1681b ( a ) ( 2 ) 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 ) 15 U.S. Code 1681q 15 U.S.Code 1681s-2 ( a ) ( 1 ) ( A ) 15 U.S.Code 1602 ( l ) 15 U.S.Code 1602 ( j ) 15 U.S.Code 1644 ( a ) 15 U.S. Code 6801
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
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: Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My transaction his is not public record therefore it should not be reported without my consent. Per the Emergency Banking Act of 1933 there is no lawful money in circulation and Congress enacted Joint House Resolution 192 and pledged to be responsible for the public debt and it shall be discharged dollar for dollar. The certificate of indebtedness should result in a refund due to the if there is a balance of {$1.00} or more. The certificate of indebtedness is income because it is discharged by the IRS form 1099-C which is income and can not be reported. 15 U.S. Code 1666d 15 U.S. Code 6801 15 U.S.Code 6801 ( b ) ( 3 ) 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ) 15 U.S.Code 77q 18 U.S. Code 8 - 18 U.S. Code 1344 12 U.S.Code 5562 ( c ) ( 10 ) 16 C.F.R. 433.1 ( h )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint against Navy Federal Credit Union Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navy Federal Credit Union regarding a recent incident involving my account. I believe that Navy Federal Credit Union has engaged in unfair practices by withholding funds without proper justification, causing significant financial hardship for me and my family. Here are the details of the complaint : Account Information : Account Holder 's Name : XXXX XXXX Account Number : Date of Incident : XX/XX/2023 Description of the Incident : On XX/XX/2023, a loan I received for {$300.00} was deposited into my account with Navy Federal Credit Union. However, upon the deposit of funds from a third-party loan, Navy Federal immediately seized the entire amount from my account to pay off a previously charged off account, without any prior notification or explanation. Attempts to Resolve the Issue : I have contacted Navy Federal 's customer service multiple times to address this issue. During one of these conversations, a representative acknowledged that the funds could be returned to me. However, despite their acknowledgment, Navy Federal has refused to take any action to rectify the situation or provide an adequate explanation for their actions. Financial Hardship : By taking the loan funds that I had deposited into my account, Navy Federal has caused great financial hardship for me and my family. I needed those funds to repair my car, which is essential for me to continue working and provide for my family. Texas Statute of Limitations : According to the Texas statute of limitations for debt collection, which is generally four years, the charged off account in question exceeds the statutory time limit for collection. Therefore, Navy Federal 's actions in seizing funds to pay off the debt may be in violation of the statute of limitations. I kindly request the Consumer Financial Protection Bureau to investigate this matter, taking into consideration the significant impact this has had on my family 's financial well-being. I request your intervention in ensuring a fair resolution to this dispute. Thank you for your attention to this matter. Please feel free to contact me if you require any further information. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Hello. On XX/XX/XXXX I reached out to Navy Federal Credit Union to inquire about adding overdraft protection to my account. I was told that I couldn't add overdraft protection because I had an OPEN bankruptcy on my account. I notified the representative that this was no accurate. The rep asked me to call back tomorrow to speak with the Bankruptcy department because they'd already closed for the day. I filed bankruptcy back in XXXX of XXXX. My bankruptcy was discharged around XXXX of XXXX ( the same year ). Around XXXX of XXXX the bankruptcy was reopen briefly to amend some documents and closed right back on XX/XX/XXXX at XXXXXXXX XXXX Navy Federal somehow didn't close the bankruptcy out on my account but left it open. The problem with this is I have applied for credit and was declined. I also opened a credit card ( which is backed by a certificate I hold with Navy Federal ) which they gave me the highest rate the card goes of 18 %, Was my credit judged by the bankruptcy that Navy Federal falsely had ( or currently has ) on my account which in turn caused me to be declined and given a higher interest rate? I can't see an underwriter ignoring a bankruptcy when making a credit decision- so we know something happened. I tried to respect the chain of command and speak with someone at the bank to discuss this- but I was only threatened, emailed a brochure, and told by the supervisor that he HIGHLY suggest I read it before I pursue any legal avenues. Per the Fair Credit Act this is wrong.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: Navy Federal Credit Union approved an auto loan and overnight the check onXX/XX/XXXX. I found a vehicle onXX/XX/XXXX and the dealership called Navy Federal Credit Union to get authorization code to clear the check. Everything got cleared and we finalized the paperwork. I put insurance on it bought stuff for it and I'm ready to start business. On XXXX the dealership calls and states that the check did not clear. The bank called me as well after I received call from him to tell me they could not clear check because it's a commercial vehicle. No one had called me up until this point. I had spoke to several of the Navy Federal employees and all pulled up the account seen all the info on the vehicle including the XXXX report. They all stated everything was good to go. Navy Federal stated that I would have to get a business loan approval. So I called and tried to apply but they will not do vehicles under XX/XX/XXXX. So now I have a truck in my possession with a signed contract agreements that's not paid for. The dealership has spend money out and got everything transfer over and now have a truck that has accumulated more miles. Navy Federal Credit Union doesn't want to take accountability for their mistake even though some of their employee 's think they should. I need HELP!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28303
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
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: You are in violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 errors A 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. I have notified XXXX, XXXX, and XXXX that the following account is reporting inaccurate. The terms on the following account is invalid. The account number is missing and the payment summary is incorrect. Please remove this account immediately and CEASE all reporting to all 3 credit reporting agencies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: After being a loyal member for over five years, it is disappointing to be treated in such a manner by Navy Federal CU. Today, I discovered that Navy Federal CU had arbitrarily closed my bill pay without any prior notification. This has not only inconvenienced and hurt me, but it has also made it difficult for me to maintain my household effectively. When you take away my ability to access my accounts, which contain essential information such as my reoccurring payments and company contacts, you have caused me harm. Therefore, I will be closing my account with Navy Federal CU after having made over {$500000.00} in deposits. I also feel obliged to inform my family members and friends of this negative experience, and I will be taking my concerns beyond this setting to express my dissatisfaction with Navy Federal CU. I will send a message to my congressman and others in positions of authority. Therefore, I expect a prompt response from you and immediate action to rectify this situation. Your organization has lost the trust of a valued member, and I will not recommend Navy Federal CU to anyone in the future. As a member of the institution, I believe that it is unacceptable to treat your members thus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84084
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was contacting companies to refinance some Merchant Cash Advances and relied two offers. This guy contacted me and was going to fund me with repayment terms however her told {$5700.00} from my account claiming that it was his FEE and then refused to respond. He went by the Name XXXX XXXX in email with a phone number of XXXX. He also had me call these numbers for verification XXXX and XXXX. I recorded phone calls and to the best of my knowledge it is the same person. I called him back and argued about him not following up on the deal nad he pretty much laughed at me and assured me that it would be handled and that I jsut needed to put more funds in my account. I ended the call by asking his company name again, to which he Said XXXX XXXX and then I said and you are XXXX XXXX correct, to which he responded the one and only.. However I am aware he was going by XXXX XXXX in emails. He took my money and is not returning it
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77006
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28546
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Problem with customer service
Subissue:
Consumer Complaint: I brought a check from the irs of {$200000.00} on XX/XX/23 the banker told me that my money will be available on XX/XX/23 .But when I went home I had to add my sisters account so that I can transfer her some money. I dont see anything wrong with me transferring money to my sister .So when I got to the bank in the money cause I had to withdraw and make a cashiers check .While the block my account. I waited 2 hours .The bank unlawfully started questioning me .They said because of your age and the money of money and Im a XXXX XXXX. I know it was quick that I wanted to get the money but its mine money .They cleared the check with the IRS.Once the IRS cleared it thats why they made it available.The check is 100 % legit I called the IRS they said its already cleared .And today after a trip to the bank my account was overdrawn cause they reversed my check after I even withdrew from the cashier that afternoon.Navy Federal staff are practicing discrimination and unlawfully using their judgement instead of using the law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76052
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A