Date Received: 2023-04-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX {$2500.00} Fraud Account does not belong to me XXXX XXXX XXXX {$4400.00} Fraud Account does not belong to me Navy Federal Credit union {$21000.00} Fraud Account does not belong to me Navy Federal Credit union {$13000.00} Fraud Account does not belong to me XXXX XXXX {$1600.00} Fraud Account does not belong to me XXXX XXXX XXXX {$12000.00} Fraud Account does not belong to me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: STATUS Navy Federal made this response about the improper use of my information on XX/XX/XXXX. Company 's Response The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau on behalf of Navy FederXXXX member XXXX XXXX. The complaint was assigned a case number of XXXX. Navy Federal has reviewed XXXX XXXX concerns. Our records show that our member established the following Navy Federal accounts : a credit card account ending in XXXX on XXXX XX/XX/XXXX, a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX, a credit card account ending in XXXX on XXXX XX/XX/XXXX and a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX. These are valid debts and XXXX XXXX remains responsible for their repayment. As noted in the Navy Federal Important Disclosures, which may be viewed at navyfederal.org, we may report information about accounts to the credit reporting agencies. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding XXXX XXXX Navy Federal loan and credit card accounts. We will not request the removal of valid data from his s credit file. Should XXXX XXXX have any questions, he may contact us toll-free anytime at XXXX ( XXXX ). I was not aware that I could opt of my information being shared to third parties such as the credit reporting agencies. XXXX XXXX gives me my right to opt out and I was never aware of this. Gramm-Leach Bliley Act states that " Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. '' I want use to use my right to opt out of sharing my information to any third-party companies especially credit reporting agencies. Please stop reporting my auto loans, inquiries, credit cards, or anything else.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31906
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi, I deposited XXXX and another one for XXXX to Navy federal bank on XX/XX/XXXX and XXXX on XX/XX/XXXX all legal refund checks from the IRS because it was refund from my business. All these checks were approved by Navy Federal and was put into my savings account. My account was fine until I attempted to use it on XX/XX/XXXX then I was told that visa has a hold on my account. When I asked bye they told me it was just protocol because of the holidays. My funds immediately was on hold and I didnt have access to it. I called numerous of times to try to understand whats going on. I spoke to XXXX on XXXX and she told me itll take 10 days for them to verify with the IRS that my checks are valid and if they do not hear from IRS after 10 days the funds will be released to me immediately. That was a lie 10 days passed and no funds was released to me. I called back and spoke to another guy in the security department and he told me that thats not how they do things so the person I spoke with miss informed me. He gave me the run around and told me I had to wait 30 days before the funds get to release to me because its such a large amount I waited the 30 days only to find out my account was locked I couldnt get into it and they marked me as fraud for checks that belonged to me from the IRS. I then received a email on XX/XX/XXXX stating that and I Quote Cashier 's Check Confirmation We're mailing the {$76000.00} cashier 's check you requested. Use digital banking* to view updates on your account/transaction history. If you didn't initiate this request or need additional details I did not request the funds to be sent to me via cashiers check or at all. I called and they told me that they sent the cashiers check to me. No problem. I waited a week and it never arrived. When I called back they told me it was sent back to the IRS because they believe its fraud. How could it be fraud and you send it back to the IRS? It started to me no sense. I called the IRS to explain to them what was going on they told me they havent received anything from Navy and that theyll look out for it. I called back and now its been 60 days to check on it and the lady at IRS said it dont take that long its been over 60 days I need to call navy federal bank back to see whats going on. So I did and they told me they are no longer speaking to me about this. So I went to the Long Island branch on Wednesday XX/XX/XXXX and the manager was nice enough to look into and call Navy federal for me. She was told that they cant give her any information on my account but upon looking at the account she was also very confused on what happened to my account and funds and told me that someone really messed up and dropped the ball on my account. I then called again that day to Navy and was told I can not get the phone records I need to get a subpoena and they are no longer talking to me about it. I called IRS again and still they havent received the cashiers check for XXXX that Navy federal said they sent back from my account. Navy federal has stolen all my funds out of my account and I need answers. I will not let this go. I need answers and my funds released to me immediately. I thought it being a federal bank itll be the safest to protect my funds and I was so wrong. Every day I regret depositing my money in this bank.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I contacted Navy Federal after I realized my account has been used without authorization and my debit card was missing. I was told by navy Federal to submit a fraud claim in which I did. Within 2 days my claim was denied. I provided the suspects name and even his identification documents. I know for a fact that no human investigated my claim as required by federal law. My account was wiped out for over {$18000.00} in two or three different countries. I cant be in two or 3 places at one time and this has never happened to me before with navy federal. My account was to be credited, yet, nothing happened. No information has been given to me nor documentation showing how a two day investigation was done including if they even investigated into the suspect. I dont feel secure with navy federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33572
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I, the consumer and natural person, was denied credit by Navy Federal Credit Union when I applied for a auto loan in the amount of { {$50000.00} } on XX/XX/2023. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. Navy Federal Credit Union is in violation of 15 U.S. Code 1642, U.S. Code 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21740
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
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: Dear Sir or Madam, XXXX. NAVY FCU Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX. I immediately disputed this information with NAVY FCU and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received an email XXXX notifying me of a deposit to an account I have no knowledge of from Navy Federal Credit Union XXXX. Someone is unlawfully using my name, social security number and other personal information to open accounts in my name. I called Navy Federal Credit Union on the XXXX and informed them of the fraudulent account. They were unable to assist me without details.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90715
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX XXXX has denied me credit for a new home when I have proof that no company can deny me or extend me my own credit
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48035
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have been a customer of Navy Federal Bank for several months now. I have been attempting to build my relationship with them by opening different products they offer. I now have a checkings, savings, and cashRewards credit card with them. I've made several large deposits since account openings and planned to set up direct deposit, open a pledge loan, and consider them for a mortgage and vehicle loan to further the relationship. However, this desire has come to an end now that I have witnessed twice Navy Federal not abiding by the account contract regarding " zero fraud liability ''. Problem : There were two instances reported thoroughly to Navy Federal by me notating a total of 3 transactions I did not authorize. The first instance involved 2 transactions back to back for a total of {$690.00} during a time I was in the hospital over 50 miles away from the location the purchases happened. I reported these transactions to the bank and IN LESS THAN 24 HOURS, a decision was made that " no billing error occurred ''. THERE IS ABSOLUTELY NO WAY A THOROUGH INVESTIGATION OCCURRED IN LESS THAN 24 HOURS. The merchant couldn't have even been contacted in this amount of time. This frustrated and inconvenienced me considering I had to go through an appeal process to dispute the charges again so to keep the relationship alive, I decided to continue building a relationship with the company despite not following their contract. This then happened once again for a purchase made of {$960.00}. Again, in less than 24 hours of reporting the charges to Navy Federal, they responded with a final decision that no billing error occurred. I have now been held responsible for all of these transactions, my account has gone negative because of it, and I feel completely discriminated against based on my zip code and no adequate time allotted for a thorough investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2003 Navy federal bank in XXXX Va violated my ADA rights by refusing to let me into the bank to deposit a check and refused to let me withdraw money from my savings account. I dont have a bank card and Im in a wheelchair
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A