Date Received: 2023-04-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a few accounts on my credit that i dont ever remember apply for. These are inaccurate and Dont have a right to be on my credit report. NAVY FC ( Finance ) XXXX XXXX ( Bank ) NAVY FCU ( Finance ) NAVY FCU ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) NAVY FCU ( Finance ) XXXX XXXX ( Finance ) XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX BANK ( Bank ) XXXX XXXX ( Bank ) XXXX BANK XXXX ( Bank )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
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: This is a fraudulent account opened by an employee of my business, XXXX XXXX XXXX This has been reported to local law enforcement, SC District Attorney ( XXXX SC ), and in turn has been handed over to sled and local FBI field office investigated by Agent XXXX XXXX. Navy sent me a card that I DID not apply for and charged continued on this card until I discovered just how bad the problem was. The same person XXXX XXXX we have found has also gotten multiple fraudulent loans through the same lending institution without the knowledge of the customers. We know this is because the customers lawyers have contacted me for information in my situation and they are looking for file suit against NAVY federal and XXXX XXXX because his client has two loans for one car that he does not have. This company is doing VERY SHADY business. They can't provide me with a contract, agreement signature or anything. Furthermore, across each bureau the information is not even consistent. There is conflicting account numbers, totals, and payment frequencies. I have paid this company more money ONLY because I was not able to refinance my home and pay off legitimate dates this hardship has created. I have sent the report to NAVY sent it to the bureaus and still cant get any help. I almost lost my job and security clearance because of this issue. I'm saying NAVY FEDERAL because its there institution but for the most part I know its not the company as a whole but there is a LOT of bad apples in that bunch. I also have documentation from several lawyers proving what I am saying in addition my police report I submitted when it happened.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29212
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have no accounts that are delinquent. For both medical and personal credit cards or accounts. I have tried to communicate with all three bureaus and I am still receiving an abundant amount of calls.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XXXX XX/XX/2023 I made two payments in the amount of {$110.00} and {$200.00} to my XXXX XXXX cards. The funds were to be withdrawn from my Navy Fed checking account. On XX/XX/2023 when the funds were presented I didnt have enough to cover both transactions so I was charged {$29.00} for Insufficient Funds twice. Once I discovered I didnt have enough to cover on XX/XX/2023 I immediately deposited {$300.00} into my account. which brought my acct to {$290.00}. XX/XX/2023 The {$110.00} was represented. on XX/XX/2023 When I looked at my account again I realize I didnt have enough to cover the {$200.00} so I deposited {$45.00} which brought my account to {$220.00} on that same day Navy Fed charged me with another {$29.00} Insufficient Funds fee however my account had enough money to cover the charge. On XX/XX/2023 I deposited another {$100.00} in my account which brought my account to {$290.00}. On XX/XX/2023 Navy Fed yet again charged my another {$29.00} Insufficient Funds. I accept that at first I didnt have enough to cover my transaction, however I attempted to correct the issue by making deposits. As a consumer who have limited funds and attempting to pay my bills on time, it was disheartening to see {$110.00} being deducted from my account. How am I able to have enough if the bank continues to charge multiple Insufficient Funds for the same transaction? I believe this unfair to the consumer and its really causing me mental distress and other emotional issues.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor NAVY FEDERAL CR UNION has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92021
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act this creditor, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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 purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: My name is XXXX XXXX, Account # : XXXX I have been a member of NFCU for 3 years now, and I have accumulated {$1000.00} 's of dollars in various fees including ( {$29.00} ) " returned check fees '' " insufficent fund fees '' over the years. Last month was the last straw. I accumulated 3 in the same month from companies being allowed to charge my account somehow when I'm in a negative balance. I am being taken advantage of by NFCU and there's nothing I can do about it. I have called the company on multiple occasions to not let any charges through if I don't have the money in my account to cover it. I have asked multiple times for refunds on these charges, never happens. They are crooks and stealing my money, as I am going through financial hardships, causing me to go deeper and deeper into a hole I can not recover from. This is causing me emotional damage and extreme stress leading to health issues, I demand ALL of these illegal fees ( not just the insufficient funds and returned check fees, ALL of them ) be credited back to me immediately!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I've had a Navy Federal checking & Savings Account and have been a member since XXXX over the years, I've obtained several items of credit, a vehicle ( paid off at maturity ), personal loan ( paid off in full at maturity ). In XXXX I was approved for two credit cards and a personal line of credit. About a year later I was unable to work due to a medical emergency ; therefore, the majority of my bills became past due including my credit accounts with navy federal ; I originally started payment plans until I was no longer able to pay. During this time, my checking account and savings accounts were still in active status and to my understanding in " good standing '' and remained open with the required savings minimum of {$5.00} and sporadic deposits into the checking account. In XXXX, I began receiving settlement offers for the outstanding credit card debt that had accrued. I was advised that Navy federal had either charged off or written off the debt per my credit reporting status ; therefore, I was unsure of paying the debt through the third party XXXX XXXX. I contacted Navy federal directly in their loan/credit recovery department to confirm the validity of the settlement that was being offered and the representative verified the amounts of the settlement. In XXXX I paid the settlement balances that were agreed upon. My savings and checking accounts remained open and active with no issues. In XXXX XXXX I had a checking balance of about {$15.00} and deposited a retirement check of about {$500.00}. several months later, I voluntarily closed my checking account. At the time of closing, my account was in a satisfactory state and I received a full refund of all monies that were in my account at the time of closing which indicated " good standing ''. In XXXX XXXX I received a 1099-c from Navy federal showing the portion of my balance that was not paid in the settlement was to be counted as income, further indicating that the balance has been forgiven. In XXXX XXXX I attempted to reopen my account using my current membership and was advised that I was not eligible to become a member or open an account due to an outstanding balance. When I explained the above information to a representative, I was told that this is policy.. When reading Navy federal disclosures regarding a checking account/membership, it implies that as long as the account was not closed by Navy federal XXXX it could be reopened. My debts were credit related and were paid in settlement. I don't understand why I am being " punished '' twice and why there's still attempts to collect the remaining balance when I'm now required to claim it as income as a forgiven debt. XXXX was beyond my control and I genuinely did my due diligence and paid the settlement as agreed and had only hoped I would be allowed another opportunity with Navy federal to show my credit worthiness and rebuild my banking relationship. I just want understanding in why i am being denied an opportunity to re-open my voluntarily closed checking account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This company is in clear violation of the fair credit act 15 U.S CODE $ 1681c for reporting fraudulent accounts of my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: {$5000.00} was stolen from my bank account XX/XX/XXXX around XXXXXXXX XXXX. I instantly notified Navy Federal and begged if they could stop the pending transaction and asked if Navy federal can retrieve my money back by going into the persons account and I was told no I would have to wait until the transaction was posted and put a fraud claim in. So I did as instructed, XX/XX/XXXX I put in a fraud claim and I set up a new bank account and ordered a new debit card and when I put in that fraud claim I attached my police report to my fraud claim. XX/XX/XXXX I received a letter in the mail stating verbatim After a thorough investigation, we have concluded that no error occurred based on account activity. You are responsible for the full amount of the claim, {$5000.00} XX/XX/XXXX I called Navy federal representatives during their normal business hours and sat on the phone for more than 2 hours to request information regarding why Im responsible for the amount of {$5000.00} and I was informed my fraud claim is considered a domestic dispute and I would need to take it up with the police department.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23669
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A