Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have 2 hard inquiries on my credit that I did not make. This is clearly fraud. The dates of both inquiries are as follows : XXXX, XXXX. XXXX, XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair Credit Reporting Act XXXX Account # XXXX, 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: XXXXX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To whom this may concern, I am writing this complaint to express my tremendous financial distress that I have been facing due to the XXXX accident I had on XX/XX/2022. As a result of the accident, I have had to deal with various issues that have affected my health, finances, and credit score. Unfortunately, I have also been forced to deal with the consequences of the delinquencies on my auto loan and credit cards from XXXX XXXX XXXX, XXXX XXXX, Navy Federal, and XXXX. I am highly disappointed that XXXX XXXX XXXX failed to inform me of my outstanding auto loan balance, which resulted in delinquencies on my account. My XXXX XXXX Liability Adjuster/Claims Resolution Representative, XXXX XXXX XXXX informed me that I would have the option to add the remaining balance to my new auto loan once the claim was settled. However, I did not receive any notification to make a payment on the account to prevent any delinquencies from occurring. As a result, my credit score has been negatively affected, which has brought me further financial distress. Furthermore, Despite my efforts to stay current on my payments, my credit score has dropped from a XXXX to a XXXX, and I have had 5 missed payments on my credit cards. My income has taken a massive hit since the accident, as my business has only generated {$8000.00} between now and XX/XX/2022, compared to the {$10000.00} a month gross income I was making before the accident. The XXXX XXXX XXXX XXXX that I am experiencing has further added to my physical and financial burden. To make matters worse, I was not informed by my insurance company that I was supposed to show up to the arbitration hearing, which they later settled for 70 % leaning our way which I believed if I was there it would've been 100 %. I urge you to take my complaint seriously and to take the necessary steps to rectify this situation. I look forward to hearing back from you with a positive resolution. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This dispute is in response to a debt that was being collected on a secured credit card. The secured credit card was funded by my personal FRN 's. Please take notice that on XX/XX/2023 NFCU stole the money from my tax refund in order to " settle '' the debt that was already settled from the moment of account creation. Aside from NFCU stealing the money, in which i did not give authorization. They broke the law ( 15 USC 1666h ). This law states that " A card issuer may not take ANY action to offset a cardholders indebtedness arising in connection with a consumer credit transaction. '' Also in accordance with the TILA, cash and credit can not be used in a consumer credit plan, which makes the original contract null and void from the beginning due to it being fraudulent and misleading. It is a FACT that I utilized FRNS from my account to fund this account thus making it a prepaid card and not a credit card. You have no authorization to furnish to my consumer report with income, which by IRS definition a charged off account is INCOME and i still have yet to receive a 1099C in order to claim this as income on my report SO, in total I have 3 violations. Which may lead to litigation if I am not refunded the {$260.00}. XXXX that was stolen from my tax refund. Please also take notice all correspondence will be sent to the US attorney General, All 3 credit bureaus, state attorney General, FTC, and IRS criminal investigations dept.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Navy Federal is reporting a credit card debt that was a result of identity theft. I have filed numerous complaints with the CFPB and after investigations the account still remains on my credit file. The statue of limitations in Texas to collect a debt is 4 years, this account was opened fraudulently on XX/XX/XXXX, this fraudulent debt should have been removed XX/XX/XXXX. Navy federal has now reported to XXXX on XX/XX/XXXX that a payment was made XX/XX/XXXX. This is a violation of the Fair Credit Reporting Act, because Navy Federal has refused to show prove of the payment and the statue of limitations on debt in Texas is fours years and it states that if payment is made or any other activity it does not restart the clock. This fraudulent debt should be removed immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I the consumer applied for a Navy Federal Refinance loan and was denied. According to the Equal Credit Opportunity Act, Adverse action against a consumer is against the law. This is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1691k. I have proof of discrimination by Navy Federal due to their response by the company. See attached. Navy Federal is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because I the consumer made an application in good faith but credit was not issued. My SSN was used and I again received no benefit. This is proof of Fraudulent activity on Navy Federal behalf. I also, have additional information of certified mail sent to them by me to resolve this matter given credit can not be denied. I will await response back to fix this issue and will follow up with violation fees and damages caused by being denied. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 Purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Due to Navy Federal sluggish response and reluctant to provide in writing outstanding documents needed to process my mortgage loan in a timely manner I incurred additional cost. The appraisal was received on XXXX, while a request for renovated garage documentation was received on XXXX. A total of 5 Business Days after the appraisal was received and uploaded to my file. I then requested that underwriting decision be provided in writing as a disclosure so I can forward the request to a third party ( seller ). It took Navy Federal an additional 5 Business Days to provide a denial in writing showing the loan was not approval based on collateral. Once the loan was denied on XXXX, the seller amended the purchase contract and proceeded with obtaining a permit for the renovated garage. I called and left a message with mortgage banker on XXXX for appeal process. Also called the contact center an additional two times on XXXX for any information on the appeal process. Mortgage banker returned my call on XXXX, at that time forward the amended purchase contract and confirmation of the permit application in process on XXXX. Mortgage banker called with update on XXXX that a written XXXX for a appeal is needed to move forwarded. Email XXXX provided on XXXX.Appeal was accepted on XXXX and loan sent for Final Review on XXXX XXXX received on XXXX, final cd and closing instructions sent to title on XXXX. Final CD disclosed at XXXX on XXXX for closing on XXXX. As evident in the timeline, all request were received from me in a timely manner. While on multiple occasions Navy Federal took several business days that wasted valuable time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I made a purchase with XXXX and I never received the login information for the real estate sales course. The purchase was made on XX/XX/2022 in the amount of {$140.00}. XXXX never gave me the real state sales course on how to close real estate property by talking to real estate property owners. They never replied to my emails when I requested the information that I paid for. They just took my hard earned money and never gave me login information to access the real estate sales course that I paid for online at the website XXXX. Please refund the {$140.00} I paid for on XX/XX/2022 because I never received the real estate sales course. Attached to this e message is all the information I received when I made the purchase. Please have integrity and make this right by refunding me the money {$140.00} on XX/XX/2022. Thank you! In the above paragraph is what I wrote to the bank Navy Federal Credit Union. NFCU let XXXX keep the {$140.00} even though I provided documentation in the dispute showing proof and XXXX never answered to NFCU during the dispute investigation. The bank just never refunded my money and they just let the merchant keep my money that I paid even though I never received services for what I paid for.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My name is XXXX XXXX, I am writing this complaint because of my Navy Federal credit card termination. I have been banking with Navy federal since XXXX and Ive had credit cards with them since XXXX. However, I recently found out my {$25000.00} XXXX credit card with Navy federal was closed with a {$69.00} balance on it. Ive had that XXXX credit card since XXXX of XXXX, so 4 years now. In those 4 years I have never missed a payment on that card or any other Navy federal cards. I was not aware they would be closing the card as I was completely caught off guard. I have worked 6 years to get to that $ XXXX limit and for it to be taken away when it has a balance of {$69.00} was even more shocking to me. All of my accounts with them are in good standings. I worked very hard to achieve that high of a limit & it gets taken away like that is devastating to my credit report & my current and future finances. Having a {$25000.00} limit and only a {$69.00} balance shows I can handle a high limit like that. I pride myself on always being able to make my payments on time & keeping a great relationship with any institution I bank with. Ultimately, I hope I can get this resolved and I can get my card reinstated because I know it will be mutually beneficial for me & Navy Federal. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A