Date Received: 2023-06-22
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: Some how a purchase on my credit card, and when I reported or stated a dispute they keep asking me things I don't have, I called them I said the only thing I have from that charge is a email receipt, which I sent it to over to navy today I received a email say? y dispute is Closed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
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: Subject : XXXX XXXX and XXXX XXXX Dispute XX/XX/2023 Navy Federal Response XX/XX/2023 : Thank you for using Navy Federal 's eMessaging service. Your documentation has been received and reviewed. To move forward with your claim, we will need a credit acknowledgment or cancellation request. If you have any questions, please contact us at XXXX. Your Message XX/XX/2023 : I dispute ALL charges in XX/XX/2023 by XXXX XXXX XXXX XXXX XXXX ) XXXX ( ~ {$1200.00} + ~ {$290.00} ) for the reasons previously given and supply proof of attempted contact and billing from the XXXX XXXX XXXX which is next door to the XXXX for XXXX XXXX XX/XX/2023. In addition, I dispute the ~ {$1400.00} made by XXXX XXXX XXXX as the space they attempted to rent to me was not suitable for my XXXX XXXX XXXX or any vehicle larger than a compact car File Attachments File Type XXXX XXXX ( XXXX XXXX ) File Type XXXX XXXX ( XXXX XXXX ) File Type XXXX XXXX ( XXXX XXXX ) NFCU RESPONSE : This incident can not be reopened or updated. If you need further assistance, please submit a new question by clicking the Ask A Question tab.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I filed bankruptcy in 2005 and Navy Federal CU was one one of the creditors at that time. Since then nearly 20 years later after a discharge of my debts and my credit has been repaired, Navy Federal CU has used unfair credit and loan practices against me operating as a scorn spouse. I have repaired my credit and have request credit from the credit union which I still have an open accounts there, and they have marked my account for terminal rejection citing " THERE IS LOSS ASSOCIATED WITH YOUR NAVY FEDERAL ACCOUNT ( S ). I find that the credit union is practicing discriminatory and unethical lending practices.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I submitted a complaint, # XXXX to the CFPB about this account on my consumer report. The certified mail number is # XXXX. My personal information has not been properly protected according to 15 U.S.Code 6801 and the United States Congress. This account was previously sold to XXXX XXXX XXXX XXXX which is in my previous complaint. The alleged debt was written off and I received no XXXX which is a requirement of the Internal Revenue Service XXXX IRS ). NAVY FEDERAL CREDIT UNION should have sent me a XXXX to prevent me, the consumer, from financial harm due to NAVY FEDERAL CREDIT UNION XXXX XXXX. Not only has the account not been removed nor did I receive my required IRS XXXX, the charge-off itself has a past due amount. How? This account should be reported as income. How can this charged-off/written-off account be income and debt? And with that being said how is it still reporting? I have not received any documentary evidence according to 15 U.S.Code 44. Not a pile of papers and statements. I requested the books of account and financial and corporate records. The amount this alleged debt on my consumer report was sold for. Explain to me how you safeguarded all my personal information and provide evidence. The letter I received stating I must pay an alleged debt contains violations of 15 U.S. Code 1692. This alleged debt and this mail I received are defaming my character. You are criminally liable for willfully and knowingly reporting false and inaccurate information. 15 U.S.Code 11 These are my rights granted by Congress as a consumer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello I recently got approved for an automobile via XXXX XXXX XXXX XXXX. There are other credit inquiries on my report and I do not approve of. To my understanding no company can report any thing to harm your credit and Ive been accepted for the loan which means it should not impact me in a negative way considering the fact I got approved. Also there are other times my credit was ran for a vehicle around the same time I need all inquiries to come off expeditiously, thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48187
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been with Navy Federal for 14 years, I have always paid my bills. I had added an ex-boyfriend to 2 of my accounts but later sent in the forms to take him off. Recently, I transferred {$2500.00} into my savings account I thought was my sole savings. It wasn't. It was still a joint savings account that Navy federal had FROZE and so my name was never removed. Then, NFCU stole over {$2000.00} of that money and allocated it to a debt that was not mine. I called them on XX/XX/XXXX and explained what happened. Their supervisor refunded ALL of the money and then transferred it out of the frozen savings account and back into my SOLE Checking. Then, on XX/XX/2023 Navy Federal again went in and pulled all of that money BACK out, resent it back to the {$2000.00} debt and pulled more money than what was left available as some of the money had been used for my daughters daycare. This has now overdrafted me {$800.00} and Navy Federal is stating that their hands are tied because that savings account is FROZEN and their is nothing that they can do to get it back. So, they sent me my money back, told me it was safe, then stole it and created more of a debt and financial hardship for me and my XXXX children AND applied MY money to a debt that I am in no way associated with ASIDE from the fact we had a joint savings account that could not be CLOSED BECAUSE NFCU froze the account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The accounts reported by Navy Federal Credit Union ( a credit card in the amount of {$7500.00} and a personal loan over {$10000.00} ) were formally requested under FCRA guidelines on XX/XX/2023 to be validated. The debtor refused. The personal loan was a motorcycle loan- the debtor requested the payoff letter from them showing verbatim paid in full be provided, it was. Still they refuse to remove these fraudulently reported accounts. As I have followed federal laws and regulations outlined the the FCRA and the debtor has far surpassed their legally allotted 30 days to provide validation these accounts can not legally stay on my credit report. Please remove them promptly. All attempts to get the debtor to cooperate have had no result.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX, XXXX, XXXX called and Disputed XX/XX/2023 My name is copyrighted and Name held in trust i informed them that the are infridging on my rights. I have a FOIA request and Im not a XXXX XXXX XXXX XXXX im not in that jusdiction so that is defarmation and discrimination and identity theft of my property held in trust. I have POWER OF ATTORNEY IN FACT A FEE SCHEDULE AND FOIA REQUEST THAT SHOWS NO ONE IS TO BE USING MY INFORMATION WITHOUT MY CONSENT AND I NEVER CONTRACTED WITH XXXX XXXX OR XXXX SO ANY THING LISTED IS A VOILATION OF MY NATURNAL RIGHTS AND FRAUD. XXXX HAS MY PROPERTY IN A DATA BREACH AND MY INFO IS BEING USING IN FRAUD. PLEASE CONTACT AND I WILL PROVIDE ALL NECESSARY DOCUMENTATION LISTED AND MY INTERNATIONAL PROTECT PERSON ID. ALL MY RIGHTS ARE RESERVED USC 1-308 31 USC 3123
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21218
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am a victim of Identity theft and fraud now 7 times.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: after I got an credit card my credit score was dropped by XXXX XXXX and there is no explanation as to why my credit score was dropped by these many points and also when ai am logging on to my account I feel as though I am being cyber stalked because A Calculator pops up and i don't have or have I installed a calculator app on my laptop I know that I lost my wallet but I have been experiencing this type of cyber stalking since I lost my wallet I believe that some in my neighborhood or some one with in the Navy Federal Credit union that is cyber stalking my laptop given i lost my wallet while I was at home I have been reporting this incident as much as I can even now have this cyber stalking calculator in my tool bar nowI just want to know how I can stop this cyber stalking its not safe
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A