Date Received: 2023-05-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: During a period I was XXXX my phone was stolen which all my financial information was stored in and used for a number of unauthorized transactions. I tried to resolve the matter by calling the merchants in which they advised me to contact. My financial institution. I found a formal dispute will navy federal then then after the investigation I filed several appeals but still wasn't granted a refund. Due to the matter it placed me in a real bad financial hardship situation. The dates and times that is took place are as follows : XX/XX/22 The Amount of {$13.00} XX/XX/22 the amount of a {$100.00}, XX/XX/22 the amount of {$440.00}, XX/XX/22 the amount of {$2.00}, XX/XX/22 the amount of {$14.00}, XX/XX/22 the amount of {$18.00}! XX/XX/22 the amount of {$230.00}, XX/XX/22 the amount of {$390.00}! XX/XX/22 the amount of {$260.00}, XX/XX/22 the amount of {$17.00}, XX/XX/22 the amount of {$18.00}, XX/XX/22 the Amount of {$35.00}, XX/XX/22 the amount of {$53.00}, XX/XX/22 the amount of a {$100.00}, XX/XX/22 the amount of {$16.00}, XX/XX/22 the amount of {$20.00}, XX/XX/22 the amount of {$40.00}, XX/XX/22 the amount of {$53.00}, XX/XX/22 the amount of {$69.00}, XX/XX/22 the amount of a {$130.00}, XX/XX/22 the amount of {$180.00}, XX/XX/22 the amount of {$350.00}, XX/XX/22 the amount of {$18.00}, On XX/XX/22 the amount of {$71.00}, XX/XX/22 the amount of {$11.00}, XX/XX/22 the amount of {$110.00} on XX/XX/22, the amount of {$400.00}, On XX/XX/22 the amount of {$1.00}, XX/XX/22 the amount of {$200.00}, on XX/XX/22 the amount of {$10.00}, On XX/XX/22 the amount Of {$1.00}, On XX/XX/22 the amount of {$980.00}, on XX/XX/22 the amount of {$24.00} on XX/XX/22 {$23.00}, XX/XX/22 the amount of {$1.00} on XX/XX/22 the amount of {$1.00}, XX/XX/22 the amount of {$4.00}, XX/XX/22 the amount of {$16.00} XX/XX/22 the amount of {$27.00}, XX/XX/22 the amount of {$80.00} these dates and amounts reflects 2 different checking accounts both within Navy Federal. Acct # XXXX and acct # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of utmost concern regarding the denial of my constitutional rights as a trustee and secured creditor by Navy Federal Credit Union. Despite my best efforts to engage with the bank in a professional and lawful manner, I have been denied services without any factual or lawful explanation. As a trustee for the trust, I demand a lawful explanation as to why I am being denied services from a public entity. It is my fiduciary duty to ensure that the trust is properly managed, and by denying me access to banking services, Navy Federal Credit Union is hindering my ability to fulfill my responsibilities. Furthermore, I am deeply troubled by the fact that a public entity that deals, negotiates, discounts, and offers securities is denying my fiduciary duty to the trust I am vested in as trustee. This raises serious questions about the authority under which the bank operates- is it governed by self-governance or the governance of the public? I urge you to investigate this matter promptly and take appropriate action to ensure that my constitutional rights are not being violated. As a trustee, I have a responsibility to the trust and its beneficiaries.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: under Fcra company has 4 days to remove inaccurate items. Items are inaccurate and fraudulent and are against privacy law violations. Illegal reporting of charge off by XXXX XXXX. And illegal reporting of charge off credit by rent debt collections XXXX. Privacy law violations
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whomsoever it May Concern ; This is about the Consumer credit Transaction initiated on ( date ) with your financial institution executed by way of signing an Agreement ( " Document '' ). As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumers of their information sharing practices and provide for a right to opt out of certain sharing. In the above-mentioned Consumer Credit transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( ie XXXX, XXXX & XXXX ) XXXX According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information 01 Provided by a consumer to a financial institution 2-Resulting from any transaction with the consumer or any service performed for the consumer ; or 3 Otherwise obtained by the financial institution. Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. Therefore, as per the literal interpretation, the organization named XXXX, XXXX, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. In case your Company admits that the organization named XXXX, XXXX, and XXXX is affiliated, it has still violated the provisions of FCRA. PuUnder5 USC 1681a ( D ) ( 2 ) ( A ) ( iii ), the Consumer Report will not include any formation communicated among persons related by common ownership or affiliated by corporate control. Further, 15, USC 1681a ( d ) ( 2 ) ( A ) ( iii ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. I hereby request you to remove the below-mentioned information from my Consumer Report ; ALL XXXXXXXX XXXX XXXX XXXX ALL NAVY FEDERAL CR UN If you accept my request, I will not escalate this matter to a federal complaint. Thank you for your attention to this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This is my formally written dispute of Navy Federal Credit Unions ( NFCU ) response in regard to Case number XXXX. I am respectfully requesting a formal investigation into the matter. The reference for this request is retrieved from XXXX XXXX XXXX I called the CFPB Hotline on XXXX XX/XX/2023 and was advised by a CFPB Representative to submit my written dispute as a new complaint. Thank you for your time in this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92040
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was gifted $ XXXX in my Navy Federal bank. The money cleared and within a 3 hour period the bank took it back and is a XXXX. Their only response is either the bank requested it back or we stopped the payment. No I need to know where they took my money!! This happened XXXX on XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77087
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: i am a 100 % XXXX veteran that lost employment due to my service injuries. My family recently underwent financial hardship due to inflation and rising energy cost which put our energy bills close to XXXX dollars monthly and caused me to default on a few credit cards. I havent been able to make payments on my XXXX XXXX credit card amount of XXXX dollars and Navy Federal Credit card account amount of around XXXX i believe and the accounts have been defaulted. and i am asking for help in relief. I received a request to cut the bill down by 40 % in XXXX if i was able to pay XXXX dollars a month however I was unable to meet the deadline for the relief
Company Response: Company believes it acted appropriately as authorized by contract or law
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: opened an account and they closed it for some odd reason
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, Navy Federal Credit Union is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. This is a notice sent as per the Fair Credit Reporting Act ( F.C.R.A ) 15 U.S.C. 1681A ( D ) ( 2 ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
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: Upon further investigation of my personal information, I have submitted to the following companies identity theft, police reports, and notarized documents stating the address, name, accounts, and inquires did not have my authorization to obtain these accounts. I have explained that someone stole my identity claiming to help enhance my credit score. My information was stolen to be added to authorize users accounts, to open accounts for loans, cars, installment loans, and other lines of credit accounts I have no knowledge of. Have been sending in notices to the companies to ask for verification of any information, no one responded. I understand that it takes 30 days for an investigation to complete. These companies have not responded, and have not contacted me with any proof or information regarding these accounts. Further more, these companies have many violations against my consumer rights. My information was sold to a third party collection company by the name of : National credit adjusters. I did not authorize this company nor any affiliated companies to obtain my information. I ask that all account be removed. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly '' I request for the third time that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at your who verified the dispute with the original creditor The documentation used to verify the dispute You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. Navy federal credit union # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: FL
Zip: 33810
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A