Date Received: 2023-06-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, NAVY FEDERAL CREDIT UNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. NAVY FEDERAL CREDIT UNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77016
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My debit card was stolen. And i dont check my account everyday or use my card because i have more than one bank account. So I reported it XX/XX/2023 when i realized it was missing. I called the bank they said they were gnna investigate it for suspicious activity. Then they called me the next day XX/XX/2023 saying they closed my account without any explanation or investigation. There was well over {$3000.00} dollars in my account that Ive lost
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have found that this bank has been misusing my funds. And, it appears that they have failed to practice proper handling when it came to my account at XXXX. They refused to stop payment on this payment when I froze the card on file and then when I asked to stop the payment. And, I also told them to stop payment on a charge from XXXX XXXX for the amount of {$190.00}. I have several NSF on my account. Also, it appears that I am missing funds in my account each month. I have called and requested help but white personnel hung up on me or refused to assist me with my problem. I was given numbers outside of the Navy Federal CU to stop payment on a check that resulted in excessive NSF on my account. I sent in several requests through Bill Pay to have them stop payment on the {$190.00} payment to XXXX XXXX. They never contacted me nor did they contact me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a credit card account with Navy Federal Credit Union that is currently closed. I sent instructions along with a tender of payment of a negotiable instrument for the entire balance to be paid. Navy Federal sent the payment back and stated that I was still responsible for the debt. I sent in the payment again for performance our contract and stated that the credit the account at the sight of the instrument and Navy Federal Credit Union has yet to accept my payment. At this point this is a breach of fiduciary duties and a deprivation of my rights to make payment. I want my account reopened and I will be making my payments on this account from here on out.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a mortgage loan of XXXX which is not a normal amount compare to XXXX mortgage loans. My income debt to ratio is excellent and my score/credit is in good status. I do not have any mortgages or auto loans. I only have two credit cards which i use. Suppose to be an easy mortgage transaction but I was wrong. there is no other way to call this, subject of mortgage loan discrimination. My loan was denied with the explanation of poor credit with the bank. I always had good standing with them in regards to my old mortgage loan. My credit card with the bank suffered a stolen amount that NFCU was unable to resolve. As a result my excellent credit with excellent credit score went from excellent to good status. From the time I submitted a loan application, it was going to take several weeks before application was review according to Loan officer it is taking long than expected for the loan. 3 and half weeks passed nothing, no call or anything. At this time home is already with the contract option pending. Yet i decided to wait to see the outcome because it was submitted to underwriting without any contract. according to loan officer i have to wait more weeks in underwriting if I am going to change the loan amount. which i supposed to since the home i was interested was not available anymore. I was waiting for their initial approval. After waiting a month It seem they were looking for an excuse for a denial that they could not find because I met all the loan requirements as it should be. Keep note I had good record of my old mortgage with NFCU that I paid off in full and didn't miss a payment. This is a case of a bluntly loan discrimination that NFCU is allow to get away with it apparently. I meet all requirements for a mortgage loan, I made sure before I submitted my application.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77327
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have called numerous of times and sent in proper documentation and still have the same issue and its has hindered me as I try to get these things removed from my credit report from XXXX XXXX and XXXX with navy federal bank under the fair credit act 15USC 1681A
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Credit Dispute Letter - Account Numbers : XXXX and XXXX I am writing to dispute the accuracy of information reported by your agency regarding the accounts held with XXXX XXXX and Navy Federal Credit Union. The account numbers in question are as follows : XXXX XXXX - Account Number : XXXX Navy Federal Credit Union - Account Number : XXXX I have recently reviewed my credit report and found several inaccuracies and inconsistencies that directly violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly in accordance with 15 USC 1681N. Furthermore, I am formally requesting proof of ownership for these accounts. In particular, I have identified the following erroneous information and incorrect addresses associated with these accounts : Remove address from my report Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX GA XXXX Erroneous Address : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Erroneous Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I would like to point out that I have never resided at any of the addresses mentioned above. These inaccuracies are not only damaging to my creditworthiness but also violate the FCRA, which mandates accurate and up-to-date reporting. According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is your responsibility as a credit reporting agency to conduct a reasonable investigation into disputed items within 30 days of receiving a dispute. I demand that you promptly initiate a thorough investigation into these inaccuracies and provide me with the results. Furthermore, I request that you provide proof of ownership for both the XXXX XXXXXXXX and Navy Federal Credit Union accounts mentioned above. This includes any original account agreements, signed contracts, or other documentation that establishes my legal responsibility for these accounts. Failure to conduct a proper investigation, correct the inaccuracies, and provide proof of ownership within the time frame required by law will constitute willful noncompliance with the FCRA. As outlined in 15 USC 1681n ( a ) ( 1 ) ( A ), I reserve my right to seek damages of up to {$1000.00} per violation for any willful noncompliance. I kindly ask that you keep me informed of the progress made regarding this dispute. Additionally, I request that you provide me with a written response detailing the steps taken to investigate these inaccuracies, any corrections made, and the proof of ownership requested. Please note that I am prepared to take further legal action, if necessary, to protect my rights under the FCRA. However, I trust that it will not come to that, and that you will rectify the inaccuracies promptly. Thank you for your immediate attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, I was approved for a Residential Mortgage Loan with Navy Federal Credit Union. However, on XX/XX/XXXX, I received a denial letter in the mail. The letter stated the reasons for denial were no credit experience and can not verify assets. I was completely caught off guard by this because the last communication was XX/XX/XXXX, XXXX advising she would be out of the office due to a death in her family. Unfortunately, my loan officer was not responsive to my calls, text messages, nor emails, so XX/XX/XXXX I had to email a supervisor by XXXX XXXX advising XXXX was not responsive to me. XXXX Pre-approved XXXX XXXX Left VM @ XXXX XXXX XXXX l responded via text advising XXXX she can contact me anytime - no response XXXX I left a voicemail XXXX she called back/ during this call I advised XXXX I had property that I was interested in and I had a draft copy of it because it was not signed by me nor the builder. And the purchase agreement listed another lender which was an FHA loan. I advised my agent I would sign once I hear back from Navy Federal because I would prefer them ( NFCU ) due to No PMI. During the call on XXXX XXXX advised me to upload the purchase agreement as-is so that my numbers would be most accurate. XXXX Sent Preapproval letter via email XXXX I uploaded the draft copy of my purchase agreement XXXX I called, texted, and emailed XXXX asking for estimates for the different options of mortgages XXXX she texted back said she was in a meeting- no call back XXXX Called and email sent to XXXX XXXX no response XXXX Text sent to XXXX asking for the status of her getting the estimates back to me - no response XXXX Email sent to XXXX XXXX because XXXX XXXX XXXX XXXX supervisor was out of the office on extended leave. XXXX responded apologizing for XXXX not responding and said that she had submitted my loan to the team that provides loan estimates and she asked if I needed anything else, and she advised that I needed to update my loan information on the purchase agreement to reflect conventional because my loan with them would be conventional. XXXX XXXX responded via email with projection of closing cost with just XXXX of the options I asked about based on draft purchase agreement XXXX I advised XXXX still waiting on details of other mortgage options - No further response from XXXX. XXXX XXXX finally responded with all of the mortgage options I had asked about XXXX I sent an email to XXXX advising I had to pass up the lot listed on the draft purchase agreement because I could no longer hold up that property without signing because I was waiting to get my mortgage options from Navy Federal. XXXX XXXX responded via email that she requested to have my application re-keyed. She said I will get a new application number but all of my documents would be transferred to a new application. I didn't understand this because I was just simply looking for another property. XXXX XXXX sent an email advising she would be out due to death in her family XXXX I received a denial letter in the mail from Navy Federal Credit Union. The reason for denial was no credit experience and can not verify assets. XXXX I emailed and called XXXX to discuss why I was denied. No response XXXX I called the customer service line for mortgages and the rep tried reaching XXXX but she did not answer her either. XXXX She tried XXXX 's backup XXXX XXXX XXXX who stated she was about to go into training in XXXX minutes and she would call me back but she never did. I asked for a supervisor call back but no one ever called back. I received subpar customer service from Navy Federal and then a denial letter out of the blue. Unfortunately this is discriminatory based on my race. I had at the time of this situation a XXXX credit score with 29 years of credit experience and XXXX in my XXXX XXXX XXXX. I do not understand why I was denied nor did anyone care to explain to me why I was denied. I would like this to be investigated for discrimination based on race. I would like the Navy Federal Credit Union held accountable for their biased behavior. According to my research, the Navy Federal Credit Union is XXXX percent more likely to deny XXXX applicants than comparable XXXX applicants. My research data was found on the HMDA ( Home Mortgage Disclosure Act ) report for XXXX and XXXX. I just want to be treated with respect and decency.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have a credit card with navy Federal credit Union and it my card payment is late they just take the money from my checking account without my consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: BILLING ERROR! I am concerned that the payments I have made to the company are not applied properly. I made a payment from my navy federal card. The ACH PAYMENT for {$10000.00} was RECEIVED on XX/XX/2023 and posted to my credit card. After five days I checked my account and saw the balance was extremely high. I saw the payment that was made and cleared on my credit card back on the account " PAYMENT REVERSAL WITH BACKDATE '' After five days. I contacted navy federal and they told me they could not find an account that I made the payment with. Navy Federal never credit your credit card account until they receive payment from your bank account and then they will post the credit to your account. Attached is the Navy Federal Statement showing they received the ACH payment from my bank account. This response is not a refusal to pay, this is our conditional acceptance proof of REVERSAL PAYMENT. Navy Federal refused to resolve the problem. I would like Navy Federal to correct the billing error and credit back my credit card for the {$10000.00} I paid on XX/XX/2023. Furthermore, report payment to the three credit bureau with the corrected amount!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A