Date Received: 2023-04-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i was never late on the listed accounts and the creditor and credit bureaus keep adding late pays to my credit reports
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: in XXXX of 2022 XXXX XXXX received 6 ERC checks from the IRS. I DEPOSITED them in my navy federal account.they put a 14 day hold on the checks after 14 days the funds were relesed into my account. 8 days later that removed the money from my account and stated the checks were fraudlant and returned back to the IRS. I CONTACTED THE IRS THEY WERE NOT SURE WHY THE BANK WAS STATING THE CHECKS WERE FRAUD BUT THEY DID confirm they never received the checks back.i was told to do a tracier with the dept of treasury because i never received the funds. once the trace was completed it was deemed that navy federal still had the checks and it was nothing they could do because i signed and deposited the checks. i then contacted the bank again they stated that the checks were deemed most likely fraud by the check verfication dept because it was 6 of them. but they were never paid for the checks so they are not relasing any more info to me. i obtained a tax transcript from the IRS showing the checking were sent out to me and no funds were never sent back on my behalf. navy federal also closed my account due to high risk activity and cause all the otherf banks to close my accounts as well.this has effected my business terribly
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XX/XX/2023, Navy Federal Credit Union deducted {$1400.00} from our checking account on the basis of a fraudulent claim made through XXXX by a former tenant. Neither Navy Federal nor XXXX made any attempt to verify the claim, contact us regarding this claim, nor did they allow us to provide evidence to counter the false claim. They did not even notify us of the deduction from our account. XXXX has insisted that we go through Navy Federal to resolve this. The former tenant 's bank XXXX XXXX also indicated that Navy Federal is responsible. We have ample evidence that we have since provided to Navy Federal at a branch office that the claim had no basis, and have requested they reinstate our funds. Navy Federal has refused to provide any evidence upon which the deduction was made from our account. Our evidence includes the lease with the former tenant, the entire history of rent payments made by the tenant through Navy Federal, the history of payments made by the tenant through XXXX, the entire balance history, and the back-rent still owed to us by the former tenant. We have talked with at least four representatives and supervisors from Navy Federal 's " Fraud and Digital Services '' department. To date, they have insisted that they will do nothing to consider our evidence, and that our only recourse is to file civil suit against our former tenant. Note that the file attached to this complaint includes only a small part of the evidence supporting our position. Much more has been provided, and is still available, to Navy Federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: About XX/XX/XXXX I called Navy Federal Credit Union about a home equity loan. I was transferred to Mortgage department and spoke to a man who gave his MLS #. I said there is a first mortgage and another lien. When he asked what was owed on the other one I said about {$10000.00}. When he asked what was the original amount I said about {$40000.00}. I then explained no payments are due on that lien as it was structured where after 5 years it would be paid in full. Each year the amount would be forgiven by 20 % until year 5 where balance would be reduced to XXXX. XXXX is the start of year 5. Its paid in full around XX/XX/XXXX. XXXX XXXX sent me an email requesting two different items. Per XXXX on one occasion the underwriter wanted proof I was a telecommuter employer with a letter from my manager. On another occasion after I sent documentation showing my HOA fee had been paid, XXXX said the underwriter was requesting a formal letter from my Homeowners Association on the HOA letter head. I went online and emailed her the standard document from the HOA website. I then called her and she said Oh Im reading it now. Ok this is fine. She NEVER sent it to underwriting. It appears underwriting did not request any of those documents. She did this to delay the long process. Unethical. On XX/XX/XXXX I received a call from XXXX XXXX who stated she was setting the closing up for week of XX/XX/XXXX. On XX/XX/XXXX XXXX called and said the title was denied due to a silent lien on the property. I explained that lien was disclosed at the time the application was taken. She said Im sorry you was misinformed. Navy Federal made the mistake. I was disclosed the lien at the time the application was taken. XXXX who seemed giddy almost laughing said the title review shows a balance of {$43000.00}. I said the title review is wrong. XXXX then stated the only way to do the loan was for the customer to agree to increase the loan amount by {$43000.00}. I said that makes no sense when the amount owed is {$10000.00}. This has got to be illegal. I asked for a supervisor she said shes busy. I asked to be transferred to her voicemail she refused to transfer the call. How many other customers have they done this to?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: NAVY FEDERAL CREDIT UNION IN VIOLATION OF PEN. CODE 496 ( a ), Title 42 USC 1986, Title 18 USC 241, Title 18 USC 242, Title 18 USC 1091 : Genocide, UCC 9-317, UCC 9-322 , UCC 9-203 ( b ) ( 3 ), R.I.C.O. ( Racketeer Influenced Corrupt Organizations Act ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, & FRAUDULENT MISREPRESENTATION. NFCU REPORTED A COUNTERFEIT LOAN ON XXXX THAT WAS NEVER SIGNED BY THE DEBTOR DAMAGING THE CREDIT REPORT. NFCU COLLUDED WITH THE STATE OF CALIFORNIA DMV TO RECEIVE A CALIFORNIA CERTIFICATE OF TITLE UNDER A FALSE PRETENSE AS LIENHOLDER WHEN THEY DIDN'T HAVE A FINAL SIGNATURE ON THE " LOAN '' WHILE A COMMERCIAL LIEN WAS PUT ON THE AUTOMOBILE BY ME 30 DAYS PREVIOUS. NFCU, THROUGH TORTIOUS INTERFERENCE, INTERCEPTED MY AUTOMOBILE FROM A TOWING AGENCY ON A FALSE PRETENSE OF " LIENHOLDER '' AND ILLEGALLY SOLD MY AUTOMOBILE WHILE MY LIEN ON THE AUTOMOBILE IS CURRENTLY FILED AT THE OFFICE OF THE SECRETARY OF STATE OF CALIFORNIA WHILE I AM TYPING THIS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: Navy Federal Credit Union, my bankers, has blocked my XXXX account permanently for no justification. They content that I received that someone sent me XXXX of {$150.00} which the same person went to the bank that the money was drawn from that there has been a fraudulent transaction from someone to me. The person who transferred the XXXX to me is called XXXX XXXX. I contacted him about this situation and he explained to me that the account he used to send me the XXXX from XXXX XXXX has multiple people on the account. One of them was his niece. This niece of his, according to XXXX, reported to XXXX Bank that someone has fraudulently transferred {$150.00} from her account to XXXX XXXX XXXX ( me ) through XXXX. XXXX XXXX, without investigating, sent a message to XXXX and Navy Federal about this transaction activity. After I contacted XXXX about this issue, he called XXXX XXXX the it recanted the fraud and labelled it as error/miscommunication and sent a note to XXXX XXXX about it. XXXX gave me this note and I sent it to Navy Federal. As I write this piece, Navy Federal has not reactivate my account for not justification. The bank mislead me by saying it XXXX that place the ban on my Account but XXXX vehemently denied that. The later agreed that it did that. This is brazen corporate outreach against person of color like me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XXXX XXXX XXXX XXXX XXXX XXXX issued a debt instrument in the amount of XXXX ( negotiable instruments ) to Navy Federal credit union as the consumer. Nfcu declined my request for credit due to a credit report which is totally against my consumer privacy rights. Nfcu also used that information to determine creditworthiness which is a violation against my consumer rights and fraud.This is very disturbing because Nfcu has a charter here to serve the people and the constitution which are THE PEOPLE. THEREFORE I AM THE ORIGINAL CREDITOR U.S.C TITLE 1681a. Nfcu is in violation of there Fiduciary Duty to the consumer.I have fully lost faith in the banking system for misrepresention of Debt instruments ( U.S.C title 15 1692c ) when all debts are due to the United States. This is decit and fraud Nfcu is In fact in so many violations to me as the CONSUMER. To relief my pain and suffering due to Nfcu neglected to uphold the LAW AND THE CONSTITUTION I request that Nfcu release my credits owed to me as the consumer the credits I issued as the consumer in the amount of XXXX. I claim all rights, titles interest, and equity on promissory note issued to nfcu on XXXX XXXX XXXX for the amount of XXXXNfcu has caused a great deal of stress making it hard for me to provide the necessary items for my household and family needs through there decit. I WILL TAKE FURTHER ACTION IF NFCU DOES NOT HOLD UP THERE FIDUCIARY DUTY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting Act # XXXX, My rights were violated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Summary : There have been three times that my credit report has been ordered over the past two months which has resulted in a significant amount of my personal information becoming available to various, unsolicited, callers representing mortgage companies whom have disregarded any request to be removed from their call listings. I initially reached out to my bank on XXXX XX/XX/2023 to begin a mortgage application which included running a credit report. Following this, for approximately 2 weeks, I was bombarded by spam callers from various mortgage companies. Each time I answered the phone to a number I was not familiar with, they would ask for me by name, have many of my personal details and begin talking to me about financing options. I asked them to place me on their do not call list, and asked that they never contact me again. I still continued to receive spam calls from these companies. My credit score was pulled again around XXXX XXXX, and the whole above process resumed. This occurred again on XXXX XXXX when I was again working with my loan company which again required their pulling my credit report. I describe the callers from " various mortgage companies '' because there were very subtle differences between the name of the company stated that they represented. For example, today, I was called by a person who stated he represented " XXXX XXXX XXXX ''. Many previous persons identified the company they represented as something similar ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ). As a XXXX, I am often called by various medical care personnel relating to the care or need of a patient. Thus, I have a commitment to answer my phone even when it's a phone number that is unrecognized. The above mass calling I have received over the past two months has potentially jeopardized the care of my patients. AND, I am very concerned about the amount of my personal information that is being shared by the credit reporting services. My understanding of the Home Mortgage Disclosure Act ( HMDA ) is that when a person 's credit is pulled for a mortgage, that information is required to be published and publicly available. What I have a problem with, is that this act is also supposed to protect the individual 's personal information by modifying what is reported. What's being modified? Who's enforcing this? There has been a very clear correlation to my application pulling a credit report and my personal information becoming available to spam marketing. I feel that my privacy has been violated by this practice and my wishes to be removed from marketing calls has been dismissed. The value of reporting a mortgage application is, undoubtedly important, and realistically able to be shared with the public. But who applied, where they live, how much they make, how much they owe, and all of their contact information DOES NOT belong in any publicly reported information. Further, financial institutions who continue to practice unsolicited, unwelcome, solicitation for business, regardless of an individual 's wishes appears to be violation of several commercial operating laws.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23703
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
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. -Under 15 USC 1681 section 602 states I have the right to privacy. -Under 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions. -Under 15 USCS 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: MS
Zip: 38637
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A