Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened an account with all my information & charged up an amount & the company is reporting on my credit & has refused to cooperate with removing it from my credit as I have told them I was a victim of identity theft. I have called & was placed on hold for 2 hours each time with people being very rude to me & I am a victim. i have also wrote letters to this company as well. This company is Navy Federal Credit Union I also asked this company what supporting documents did they have proving this was my account & they told me I would have to subpoena that information in court to know anything about this account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello - This is following up with another complaint about complaint XXXX filed on XX/XX/XXXX. Navy Federal Credit Union did not respond to let me, or the CFPB, know when they allegedly told me I owed them {$12.00}. I never received an email. I never got a text. I did not receive a phone call. I was never sent a piece of physical mail. It is the law that Navy Federal must contact someone if they claim they owe money. I was never contacted. All of my documentation - 20+ pages - of records of phone calls, mail scanning, etc is all attached to the first complaint. Navy Federal never told me I allegedly owed them XXXX and so they reported it to the credit bureaus and ruined my credit. Now I can not buy a house. See the complaint response from Navy Federal below. I called them yet again today ( XX/XX/XXXX ) at XXXX ( XXXX ) and was eventually transferred to a supervisor. After telling him of my problem and how I've never been told when Navy Federal let me know of this XXXX I owed, nor did they address it in the CFPB complaint, he hung up on me. So it seems you definitely can not contact that XXXX number at anytime as no one was able to assist me and when I got someone on the phone, he hung up. THE ORIGINAL COMPLAINT RESPONSE FROM NAVY FEDERAL BELOW. NOTE THEY NEVER SAY WHEN THEY LET THE CUSTOMER KNOW OF AN ALLEGED XXXX DUE. THAT'S BECAUSE THEY NEVER LET THE CUSTOMER KNOW BEFORE REPORTING THE XXXX TO THE CREDIT BUREAUS AND RUINING HER CREDIT SCORE The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau on behalf of Navy FederaXXXX member XXXX XXXX XXXX. The complaint was assigned a case number of XXXX. Navy Federal has reviewed XXXX XXXX concerns. Our records show that on XXXX XX/XX/XXXX, our member made a payment in the amount of {$3900.00} to her credit card account ending in XXXX. Our members credit card statement issued on XXXX XX/XX/XXXX indicated a balance of {$12.00} due by XXXX XX/XX/XXXX, and the payment was not satisfied until XXXX XX/XX/XXXX. The account is closed and has been paid in full. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding XXXX XXXX Navy Federal credit card account. We will not request the removal of valid data from her credit file. Should XXXX XXXX have any questions, she may contact us toll-free anytime at XXXX ( XXXX ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I received a XXXX XXXX membership charge on my card for {$100.00}. I didnt authorize nor request this charge. I contacted XXXX to have the payment canceled and XXXX had no records of a payment. I was told to contact my bank and dispute the charge by XXXX. I contacted navy federal and disputed the charge. My fraud claim was denied.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70802
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I called and talked to Navy Federal customer service to close my account. The representative said if I closed the card, I can't re-open the same card. I told her that's OK with me, I want to close the card. However, XX/XX/XXXX the credit union charged me a card renewal fee. On XXXX, an auto payment transaction from XXXX XXXXXXXX XXXX for {$780.00} and {$4300.00} hit the account for annual insurance premium payment. Since, I was not using the card and had asked Navy Federal to close the card, I didn't look into my account. Navy Federal kept on charging me interest and late fees. Meanwhile, we went to XXXX and didn't get our mails. On our return, my husband saw a letter from Navy Federal. We sent secured messages. The CU asked us to pay the total due first before they could adjust the fees and interest. We made payment for the full amount. However, the CU didn't make the adjustment of the late fees, interest charged from XXXX. It made only {$82.00} adjustment ( As a courtesy we have waived {$62.00} in interest and {$20.00} in late payment fees. ). I sent secure messages but the answer was same. I called Navy Federal on XX/XX/XXXX and discussed about the fees and my call XX/XX/XXXX to close the account. The CU representative said they would investigate and get back to me within XXXX hours. No one from Navy Federal called me. I called the CU again on XX/XX/XXXX. I was told someone from the credit union will get in touch with me on Monday XX/XX/XXXX. I haven't yet heard from credit union. I am convinced that this is a unethical business practice on the part of the credit union not to close my account when I asked for it and then charge me annual fee for the card and charge interest and late fees.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98056
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act Navy FCU, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit plan as late for any purpose. Dates : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy Federal is taking money from my Savings account without notifying me. XX/XX/XXXX Navy took {$280.00} from my saving account without informing me. I know do not have money for bills or food nor travel expenses. Navy claims they have the right to take money at there will because I have a charged of Checking account on XX/XX/2023 for {$500.00}. This checking account is currently Disputed with Navy Federal who claims my checking account will be REPONED if the dispute is found in my favor. In the mean while Navy Federal Is stealing money from my savings account. I have asked Navy Federal to Please leave my with at least XXXX dollars for food because I did not accept nor informed, they would take ALL the money from my open SAVINGS account to pay my Disputed and Closed Checking account. XXXX Navy Federal Response was NO.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
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: I am writing to bring to your attention a matter of significant concern regarding the reporting practices of Navy Federal Credit Union ( hereinafter referred to as " Navy Federal '' ) and the consumer reporting agencies involved in handling my credit information. Despite my repeated attempts to address the inaccuracies in my credit report, Navy Federal and the bureaus have failed to comply with the provisions outlined under the Fair Credit Reporting Act ( FCRA ). Therefore, I am seeking your assistance in rectifying this matter and ensuring proper adherence to the law. Under the 15 U.S. Code 1681i of the FCRA, it is clearly stated that the responsibilities of furnishers of information to consumer reporting agencies include conducting a reasonable reinvestigation in response to a consumer 's dispute. I have disputed the accuracy and completeness of the information related to my Navy Federal accounts on numerous occasions, specifically account numbers XXXX XXXX XXXX XXXX Despite my repeated attempts to resolve these discrepancies, Navy Federal and the consumer reporting agencies have failed to rectify the inaccuracies in a timely manner, as mandated by the FCRA. This erroneous reporting has had a detrimental impact on my ability to access credit and provide for my family 's needs. Enclosed with this letter, you will find a XXXX XXXX compliance letter detailing the specific discrepancies and errors present in my credit report related to the aforementioned Navy Federal accounts. These discrepancies not only compromise the accuracy of my credit profile but also violate my rights as a consumer under the FCRA. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to ensure compliance with the FCRA by Navy Federal and the consumer reporting agencies involved. Specifically, I urge you to enforce the provisions of the FCRA that require the prompt and accurate investigation and correction of disputed information. In light of the aforementioned issues, I request that the following actions be taken : Conduct a thorough investigation into the inaccurate reporting of my Navy Federal accounts and the subsequent failure to comply with my disputes. Ensure that Navy Federal and the consumer reporting agencies fulfill their obligations under the FCRA by promptly and accurately updating my credit report to reflect the correct information. Provide me with a written response detailing the results of the investigation and the actions taken to rectify the inaccuracies in my credit report. I believe that by addressing these concerns and holding Navy Federal and the consumer reporting agencies accountable for their non-compliance, we can help ensure fair and accurate credit reporting practices. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to protect my rights as a consumer and enforce the provisions of the FCRA. Please feel free to contact me if any further information or documentation is required to support my complaint. I look forward to a prompt resolution of this matter. Best Regards, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I was informed today, XX/XX/XXXX that a credit card account was closed XX/XX/XXXX. I was never notified of this closure or reason for closure prior to todays date. I disagree with the closure of this account and want the account reopened. I also had approximately XXXX rewards points lost during this process that I want to be compensated for ; either by reinstatement, transfer to an open account within same banking institution, or by reimbursement of cash value. I have reached out to the bank several times for assistance options due to being injured and medically unable to work while healing ; and also being furloughed during Covid. I was never given any accommodation or consideration despite my repeated requests for assistance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98375
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: They have been reporting this close account as charge off since 2019
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29203
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
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: I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A