Date Received: 2023-03-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX. I received a payment from XXXX XXXX to complete art work in his XXXX home. I received notification that there was an issue with one of the payments. I contacted XXXX XXXX who contacted his bank and stated that there was no issue with the payment received. I spoke with the security department at Navy Federal and was informed that the accounts would be closed. Its now XX/XX/XXXX and the accounts are still open. Ive contacted XXXX XXXX a number of times to close the account and Ive constantly received the run around. I would like any accounts that are currently open closed immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Late Payments on credit report 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. 15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions. Under 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. Due to these violations I have a right to sue per violation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23831
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Due to having Navy federal account reopen or active I am still having the same problem of taking money in and out of my account telling me they put back in my account that never shows up .for instance just rented 2 rental cars from XXXX XXXX XXXX company I recieved a deposit back from XXXX XXXX VA and the other from XXXX XXXX XXXX neve recieved funds as they were releaseon XX/XX/XXXX XXXX XX/XX/XXXX and for XXXX of XXXX XXXX I had recieved on XXXX XXXX for XXXX XXXX for second rental in my a t XXXX need to put back my deposit in my account that not charge Navy federal how can they say that XXXX was charged by XXXX when they was supposed to put my refund back in my Navy federal I paid for rental out of pocket This promblem has being going on since XX/XX/XXXX I need resolution with Navy Federal action in and out of my accounts Navy federal statement XX/XX/XXXX we need to find out where the money went Never put in my account of this day
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: NFCU Stealing Private Property I was conducting business with NFCU how does an nonaffiliated third party come into this Consumer Credit Transaction without my authorized consent. * Violation of Consumer Law Rights * Violations on Consumer causing Civil & Criminal damages/Liabilities * Consumer-Goods Transactions * Consumer Credit Transactions * Violations of my God Given Rights * Guilty by association ( Nonaffiliated third party invited by NFCU to Steal my Privately Owned Property ) * Invading Peace & Dignity * Shared information improperly * Alleged debt * Coerced debt * Fictitious Debt * Give Thanks to NFCU continuously displaying the Fraudulent by Nature activity that I documented, Proving my Cases & Statements to stand true. * Fraudulent misrepresentation * No Respect for the Consumer * No Respect for Law * No lawful consideration * No signature from NFCU (Wet ink) or at all * No verifiable Risk by NFCU * Displaying willful noncompliance on all Spectrums. * Ultra vires * Conducting outside of lawful mandate * Privacy breach * Giving information to nonaffiliated third party non authorized * Private Property stolen & robbed on another persons property * Robbery of my Privately Owned Property on someone elses property * 18 U.S. Code 1961 - Definitions (1) racketeering activity means (A) any act or threat involving murder, kidnapping, gambling, arson, robbery, bribery, extortion, dealing in obscene matter. Section 1951 (relating to interference with commerce, robbery, or extortion), Section 1341 (relating to mail fraud), Section 1344 (relating to financial institution fraud), section 1503 (relating to obstruction of justice), section 1510 (relating to obstruction of criminal investigations) * 9-625. REMEDIES FOR SECURED PARTYS FAILURE TO COMPLY WITH ARTICLE. (a) [Judicial orders concerning noncompliance.] If it is established that a secured party is not proceeding in accordance with this article, a court may order or restrain collection, enforcement, or disposition of collateral on appropriate terms and conditions. * UCC Filling Secured Party Creditor * UCC Filling on Collateral * NFCU is the Debtor * NFCU is the trustee, I AM The Beneficiary. * Repossession doesnt exist , Hypothecation does. * 15 U.S. Code 1692f (1) - Unfair practices * Full accounting was asked for but of course never received. Lets see where the source of this Consumer-Goods Transactions Stem from since NFCU claims to be the source of credit, they false claim provided I, The Original Creditor with. Well thats a fraudulent lie, Banks cant loan there own stocks pursuant to 12 U.S. Code 83 - Loans by bank on its own stock * Sarbanes-Oxley Act SOX - Protection from corporate accounting fraud by improving financial reporting & auditing standards. Doesnt quite seem to exist in this Consumer Credit Transaction. * TILA- Truth in Lending Act, In addition to providing a uniform system for disclosures, the act: Protects consumers against inaccurate and unfair credit billing and credit card practices & Provides Consumers with Rescission Rights. * Private Property Stolen XXXX. * Private Property Stolen after 14days of CEASE & DESIST NOTICE. * Retaliation tactics , Intimidation tactics being displayed * I have not received my Right to rescission from NFCU nor was told I have that right in initial communications (1st ever communications) with NFCU. * NFCU hasnt informed me of any of my Rights I can execute at any time, once aware or alive to. * In reality my signature manifests the currency & applications submitted to retrieve my credit that majority of people get adverse action against including I or simply discrimination pursuant to 18 U.S. Code 242 - Deprivation of rights under color of law, not allowing people of the land to receive there own line of credit thats available but only shows in the private side of business that 99% doesnt have access to. Held in a Private Trust Account established by the U.S called multiplie names but one is Mutual Credit Exemption Exchange. * Failed every duration to prove or provide validation of debt pursuant to 15 U.S. Code 1692g. * Sending promissory note & billing statements that Ive already marked up & sited with violations aside with written explanations for your information to Grasp the knowledge somewhat, making it easier for reader to innerstand. * NFCU sent back all my violations with a note on it that states FAKE , violations consisted of all Billing statements I received, mail & promissory note. * NFCU has neglected the Civil & Criminal liabilities, damages I have charged them for. * Notice of Criminal & Civil damages/Liabilities delivered XXXX XXXX XXXX. * Identify Theft; assuming many vital roles in assembling and evaluating consumer credit and other information on consumers. * Identity theft false claiming to be the Original Creditor , Beneficiary * I have not given consent to my identity being used against I, to withhold my rights against I, The Consumer & More. * I did not give NFCU consent to Assume my Roles as Original Creditor, Beneficiary etc * 12 CFR 1026.23 - Right of rescission & 15 U.S. Code 1635 Right of rescission ; Security interest was canceled XXXX XXXX, demand for compensation returning all funds spent towards payments/Bills & also Refund of Amount Financed which was XXXX in Consumer-Goods Transactions/ Consumer Credit Transaction. * Cash to applicant was/is XXXX = Amount Financed XXXX * My Car is Private Property of I, The Consumer, that was not default or defaulted * There has no longer been a contract with NFCU & I pertaining to Auto loan since October 31, 2022 as I rescinded with Notice. * My Private Property is not an collateral in any contract. * My Private Property is not in contract with NFCU or other commercial business. * 15 U.S.C 1692e - False or misleading representation * 31 U.S.C 3729 - False claims * 15 U.S.C 1692f - Unfair practices * 18 U.S. Code 241- Conspiracy against Rights * UCC 9-609 - Secured party right to take possession after default. NFCU Not Secured party but executing as if is. * UCC 9-610- Disposition of collateral after default. There is no collateral & the Private Property is owned by Consumer not defaulted. * 9-610. DISPOSITION OF COLLATERAL AFTER DEFAULT (b) [Commercially reasonable disposition.] ; Private Property is not commercially owned, Privately Owned Private Property. * UCC 9-611 Notices of disposition; No reasonable authenticated notifications before or after disposition . * A default is a failure to fulfill an obligation. What obligation was there for me to fulfill in a canceled contract, none. * Payment NFCU is asking for is obligations of the U.S pursuant to 18 U.S. Code 8 - Obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value. * I refuse to pay in FRNs that are optional, I have the right to reserve or not use any of my FRNS as payment * There is no default in this Consumer Credit Transaction or Consumer-Goods Transactions. * No such thing as defaulting in a rescinded contract. * 33 U.S. Code 931 - Penalty for misrepresentation * 15 U.S. Code 1692k , 15 U.S. Code 1640 - Civil liabilities * 15 U.S. Code 1611 - Criminal Liability for willful and knowing violation & 15 U.S. Code 1693n- Criminal liability * Criminal Charges * My Private Property is not an Commercial Vehicle ; Privately Owned Property unencumbered * NFCU has willful noncompliance towards My Exercising of Consumer Rights with Consumer Laws & UCCs. * I Am the Secured Party Creditor; NFCU Is not the secured party creditor, False representation claiming my position. * NFCU did not disclosure to I, the Consumer, who NFCU were giving my personal information to, nonaffiliated third party . * NFCU has not given me any written explanation of no disclosure rights. * NFCU did not give I, the Consumer an opportunity to not have personal information not disclosed. * Nonaffiliated third party came onto someone elses Private property to Steal my Private Property. * NFCU has failed to give me any written notices for anything pertaining to the Stolen Private Property of my Car or nonaffiliated third party. * After alerting NFCU that I am aware of the Stolen Private Property on XXXX XXXX , 3 days later on XXXX I was delivered the promissory note & the Billing statements for This Year of XXXX. Not anything more or less same old papers thats automated with the same old verbiage. * NFCU constantly coercing I for payments although I have proved them unlawful & not properly responding in a lawful manner to demands or to whatever needs lawful consideration & attention in a prompt manner. * NFCU has failed to respect disclosure of Personal information, Giving it to an nonaffiliated third party. * 9-610. DISPOSITION OF COLLATERAL AFTER DEFAULT (b) [Commercially reasonable disposition.] ; Private Property is not commercially owned, Privately Owned Private Property. * NFCU has failed to give me lawful proper documentation, disclosures of the giving of my information to a nonaffiliated third party; I did not consent to. * NFCU has failed to give any lawful disclosures/Notices pertaining to the Stealing of my Private Property. * NFCU has given my personal information to an nonaffiliated 3rd party I didnt consent to or know. * NFCU has given my personal information to an nonaffiliated 3rd party I was never in contract or communications with or never even seen. * I havent seen or meet the nonaffiliated third party (Not that I want to meet them) , towing company or persons who came to address & stole my Private Property on behalf of NFCU orders. * I was not alerted by nonaffiliated 3rd party, repossession company or persons who came to the address to steal the private property off someone elses property thats not mines. * NFCU & nonaffiliated third party working together towards the stealing my Private Property on someone elses private property is conspiracy against Consumer Rights pursuant to 18 U.S. Code 241 - Conspiracy against rights. * Documentations Ive sent to State of Florida declaring Right to Travel Unencumbered, in my Affidavit of Truth & Affidavits that wasnt rebuttal Ive asked specific questions pertaining to how is my Private Property commercially owned. No Rebuttals or any requests & demands I had came back to light. No replies at all. * NFCU has received many Affidavits of Truth & Affidavits , that they failed to rebuttal. * Unrebutted Affidavits Stands As Truth. * NFCU tactfully retaliated because I put NFCU on Cease & Desist date of XXXX XXXX 14days after CEASE & DESIST they stole Private Property they dont have any rights * NFCU conspired to take my Private Property on many occasions , whats experience from Gang Stalking & other forms of intimidation , oppression & Harassment. * I was Homeless & happen to be at a family house. How did NFCU know my precise location to take & move in on the Private Property inside a GATED Community that has been parked there since XXXX XXXX XXXX; parked till NFCU Stole it XXXX * 4 days of somehow knowing my Car is Parked @ an family house means someone was watching or car was being tracked as there are tracking devices on these upgraded car models nowadays or specific cars owned by a specific persons. (GPS Tracking devices etc) * Tomorrow XXXX I will be picking up all my Private items inside of my Private Property * Picking up my own Private items inside my Private Property after it has been stolen from I is costing me XXXX. * Under constructive fraud its considered lawful & not Extortion. * Whole Consumer-Goods Transactions/ Consumer Credit Transaction found & deemed unlawful with no lawful Consideration violation many Consumer Law Rights. * NFCU has been informed of their Criminal, Civil Liabilities & Damages. * All my demands & Requests has not been fulfilled yet CFPB is allowing NFCU & all other complaints pertaining to NFCU issues to be closed without truly or actually being Resolved with Remedies Given to the Damaged party, I the Consumer of this Consumer Credit Transaction/ Consumer Credit Transaction that has been unlawful. * CFPB Not making sure companies actually resolve issues without closing the case as if it is resolved. * Since XXXX complaints have been sent on NFCU * Cases being closed with No resolution & Remedies being satisfied or the issue addressed not being solved In Consumer Favor in a lawful manner to compensate for damages or Civil & Criminal liabilities. * "Actual damages include damages for personal humiliation, embarrassment, mental anguish and emotional distress...It includes all highly unpleasant mental reactions such as fright or grief, shame, humiliation, embarrassment, anger, chagrin, disappointment, Worry and nausea." XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Other categories include loss of credit opportunity. XXXX XXXX XXXX XXXX XXXX, 617 F.3d 688, 719-20 (3d Cir. 2010). Plaintiffs can recover damages for credit defamation. XXXX XXXX XXXX XXXX, 257 F.3d 409, 418-19 (4th Cir. 2001). Economic or financial loss is also recoverable. XXXX XXXX XXXX XXXX, 45 F. 3d 1329, 1333 (9th Cir. 1995). * Recently published cases show that courts are willing to assess damages to fully compensate victims of false credit reporting. In XXXX XXXX XXXX XXXX XXXX XXXX, 486 F. 3d 150 (6th Cir. 2007), the court upheld a jury award of $400,000 for compensatory damages in a case that involved attempts to resolve reporting inaccuracies and repeated denials of credit. In XXXX XXXX XXXX XXXX XXXX, 795 F. Supp.2d 1255 (N.D. Ala. 2011) the court upheld awards of $100,000 in compensatory damages and XXXX in punitive damages for a case involving wrongful credit reporting by a collection agency. Similarly, in the case of XXXX XXXX XXXX XXXX XXXX, 510 F.3d 495 (4th Cir. 2007) the Fourth Circuit approved an award of emotional distress damages of XXXX for credit reporting. Bottom half is some description based on a conversation via phone with XXXX From Repossession Department XXXX XXXX from Repossession Department XXXX did not want to give employee # * I told XXXX I didnt receive any notice of disposition he insisted I did and was so sure to claim I did. * I further insisted how is he going to tell me that without knowing its a fact, he shall not make False claims. * As well as claiming it was lawful for what NFCU did to my Private Vehicle just because it claims I am late for payment. Calling it an repossession but in reality my Private Property was stolen on someone elses property. * Employee further goes afterwards Well you do have NFCU on cease & Desist after I firmly told him again I did not receive anything pertaining to my stolen vehicle. * How was XXXX so sure I received Notices then quickly changes to the fact that my CEASE & DESIST was the reason I wasnt notified. * Further shows all documentation being sent out since XXXX XXXX XXXX like Right to rescind etc has always been neglected , not investigated throughly completely & didnt get proper acknowledgment for exactly what it stands for. If it did NFCU wouldnt continuously be coercing me for payment of any thing or better yet not Steal my Private property & deem it as lawful. Not being the secured party creditor or owner of the Private Vehicle, I removing there security interest NFCU has no claims on my Private Property at all since XXXX XXXX. * What gave NFCU the right to neglect my CEASE & DESIST, ignoring the redemption/Remedies on the bottom of document but abiding by my requests only to not communicate with I the Consumer unless your updating me about the remedies I demand & all I requested is completed. * NFCU has made an excuse to not communicate with me for my remedies but insist take things in there own Criminal unlawful manner & Steal my Private property as retaliation of ALL Disputes, Last Dispute is Cease & Desist with Remedies I am seeking if I am to be contact. * I did not state to NFCU to completely not contact me without leaving an exclusion for reasons to call or update I. * The cease & Desist said to not contact me anymore unless they have my remedies. Not to make excuses of why I didnt get Lawful Notifications. * The fact that the employee is aware of my CEASE & DESIST, trying to use that as an excuse to why I didnt receive notification after false claiming I did is fraudulent. * Im aware of how NFCU is making I the consumer call an non-affiliated third party they worked with to steal my private property to asking for the location of it, instead of NFCU who ordered the Stealing of my private property telling me exactly where my car is. * NFCU protecting repossession department that they are affiliated with before the Rights & Laws of the Consumers, I. * Gave NFCU a chance to resolve matters & NFCU took it upon there own faith to Oppress, harass Continuously commit Criminal & Civil damages + Liabilities. * Told NFCU specifically unless it is to resolve the matters how l insisted or updating the status of the updated Accounts as for the specific Remedy's I am seeking and demanded tor Civil violations & unlawful Consumer Credit Transactions. * There was no excuses for NFCU to STEAL my Private Property & it is unlawful by all means. * Instead of Giving my Remedies demanded & Respecting my space, NFCU stole my Private Property after they can no longer oppress & Harass me on the phone for false misrepresentation of amounts pursuant to 15 U.S. Code 1692e(2)(A) CEASE & DESIST DELIVERED XXXX CEASE & DESIST STATED AT THE END ; Thereby grant your company the opportunity to amicably resolve the matter by way of doing the following: 1. Deletion from all consumer reports (Derogatory Accounts, Unauthorized, All pulls soft or hard pulls, Negative Accounts) 2. Clear away any alleged balance owed 3. Refund all the payments that was made on this account 4. Zero out the balance on this account CEASE & DESIST STATED AT THE END; I HEREBY DEMAND THAT YOU CEASE AND DESIST, ALL mediums of communication, unless it is to Resolve the matter how l insisted or updating the status of the updated Accounts as for the specific Remedy's I am seeking and demanded tor Civil violations & unlawful Consumer Credit Transactions. In Good Faith. ALL Rights Reserved
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I am trying to access a portion of my unlimited credit and Navy Federal Credit Union will not let me do so. I applied for a credit card and two personal loan in XXXX and was denied both times. Due to this denial I had loss almost everything financially. They are also threatening to close my checking account for being in the negative. Not being able to access credit has cost me dearly. I try paying with a securities per 31 CFR 328.5 I also tried to pay with a negotiable Instrument per 745.11 and UCC section 8-102 ( a ) ( 9 ) 3-104 ( a ) 1,2,3. I also Public Law Remedy CHAP 48,48 STAT.112 I need to know all the factors underwriting used to deny my consumer applications based on the law? Navy federal credit union used a credit report to send me a denial. How can that be lawful when Navy federal credit union participate in fractional banking? I also, need to remind them that their policies are not in alignment with the law according to 15 U.S. Code Subsection 1611 for willful and knowing you are in violation as well as the securities and exchange act of 1934, and CFR 321, 328.6 and adverse action.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 someone claiming to me claimed fraud charges of normal monthly bills I pay. And my account got credit for these claims. There where three internal bank transfers from my account which the account number is XXXX to a XXXX XXXX XXXX in three different amounts one for XXXX, XXXX and XXXX. I saw these transfers and immediately messaged my bank they were fraudulent. The bank Navy Federal Credit Union didnt investigate the charges they claimed just credited my account XXXX dollars. When as I stated I make but one of the claimed charges monthly. The XXXXXXXX XXXX charge was mine for {$450.00} as I needed two new tires. My car XXXX to XXXX XXXX, my loan payment of XXXX to XXXX XXXX, XXXX XXXX XXXX for XXXX and XXXXXXXX XXXX for {$450.00} all charges that were claimed as fraud and my account credited for XXXX on XX/XX/XXXX. I immediately notified my bank who then didnt fix anything and told me that I am responsible I changed my direct deposit information as I get va benefits but they are not refunding my fraud charges as I have explained exhaustedly to the bank the va and the department of the treasury ( whom hung up on me ) that this account needed to be closed and no money on or out til the investigation is done. Because of Navy federals lack of initial fraud charges claimed I am negative XXXX as of today. So more money has been taken out. Since then. And havent notified the proper channels of said fraud by law or closed my account and will not credit my account the missing funds. Va benefits are also protected benefits and they refuse to send them to the new ach I have set up because of this incident. I am looking at not having a job anymore. Losing my car, house and other things because of this. And said that I wont receive anything. Until this investigation is over which could be up to 45 days when they should have initiated a investigation immediately upon me telling them to stop the unauthorized transfers from account to account. I dont know a XXXX XXXX XXXX Or how my information was gotten. And frankly I am being badged for bills to be paid when I cant even put gas in my vehicle to get to work. They have not been professional or have they even tried to fix this issue on any level. I have also attached several documents indicating my issues.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 71446
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a 30-Day late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with Navy Federal Credit Union XXXX Account Number : XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( Navy Federal Credit Union Home Loan ) making the report is not included on my consumer report. Navy Federal Credit Union, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency, In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX PXXXX XXXX XXXXXXXX ) Account # XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account # XXXX Account Name : ( Original Creditor : ) Account # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29715
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I ; ve had an account at Navy Federal Credit Union for over 20 years. In XXXX I received a loan for a new car. I was discharged from the XXXX XXXX XXXX in XXXX because it was discovered that I had a XXXX XXXX XXXX and was given 2 years to live. Due to my condition being pre existing I was not awarded service connection benefits. I became homeless due to no income and lost the automobile. In XXXX NFCU wrote off the loan. My name was changed from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX in XXXX. I fought the CA for my benefits and won in XXXX. I also had XXXX XXXX XXXX in XXXX at XXXX XXXX. The VA refused to perform XXXX stating that I would not survive or it would not help, In an effort to re establish my credit I started another savings account at NFCU under my new name. 3 years ago. I had an automatic deposit of {$100.00} going into my account monthly.. I had an emergency and visited NFCU to make a withdraw from my savings account. I was told I had a XXXX balance because my money was taken out of my account to pay off the car loan that was written off in XXXX. I was never informed of this. I never received any monthly statements regarding the credit unions actions. I never signed any agreement regarding this matter. That was an old account and old debt under my former name. I told the credit union they had no right to take that action. I asked for all past statements on the account and was not given any.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92102
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Card is maxed out by someone an ex let in our house but its really affecting my credit report as it has been closed down now and I cant afford those payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2023-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A