Date Received: 2023-03-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023, I reached back out tXXXX XXXX XXXX XXXX because they are still reporting to both XXXX and XXXX XXXX XXXX that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts at a national bank, but is also affecting me in trying to open accounts at local banks and has caused my existing bank ( Navy Federal ) to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an account is because of what's being reported to XXXX and XXXX XXXX XXXX. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX {$40.00} ( XXXX My social security number has been compromised and is being used as collateral by XXXX XXXX XXXX and XXXX XXXX XXXX please help me by deleting this negative item off my credit in accordance with FCRA 15 U.S.C 1681 Section 602 A states I have the right to privacy and if breached I have the right to have all negative items removed
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30501
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I recently became aware of a billing error on my statement. Pursuant to 15 USC 1666d any credit balance in excess of {$1.00} should be credited or refunded to the consumer. I have identified in a billing statement issued on XX/XX/2023 in the amount of {$14000.00} should be refunded or credited to me the consumer. According to 18 USC 8 all debts public and private is the obligation of the United States.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( XXXX '' ) codified at 15 U.S.C 16186 ( XXXX ) XXXX ( XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have filed two other complaints about Navy Federal Credit union - A few days ago they decided that the credit they already gave me on my XXXX XXXX card for fraudulent activity is now added to my balance of my credit card - I have a credit amount of {$15000.00} and now my credit card balance is over {$24000.00} When I called they told me it was found to be fraudulent and the credit would stand Navy Federal has ruined me - ruined my credit and ruined me getting bank accounts anywhere along with my credit rating going down. These companies that have fraudulently charged my accounts are from XXXX XXXX, XXXX ( a gift card buying web site ) of which I DID NOT PURCHASE ANYTHING FROM THEM OR RECEIVE ANYTHING!!! THE REASON NFCU IS DENYING THE FRAUD CLAIMS IS NO BILLING ERROR HAS OCCURRED. OUR DETERMINATION WAS MADE BASED ON YOUR TRANSACTION HISTORY, ACCOUNT HISTORY AND/OR DISCREPANCIES BETWEEN THE FRUAD CLAIM NAND NYOUR ACCOUNT NFCU OWES ME A LOT OF MONEY AND THYE ARE JUST DENING THE CLAIMS TO HURT VETERANS AND THEY BREALY DO NOT CARE ABOUT THE PEOPLE THEY SERVE. I NEED THE MONEY NAND THEY NEED TO HOPEFULLY RESTORE MY CREDIT RATING THIS IS AGAINST THE FEDERAL BANK REGULATIONS- IF YOU REPORT FRAUD IN A TIMLEY MANNER THEN YOU ARE NOT RESPONSIBLE FOR ANYTHING OVER {$50.00} - THIS IS THOUSANDS OVER NFCU HAS PUT MY CREDIT RATING BELOW 600 AND CLOSED ALL OF MY CHECKING ACCOUNTS AND WILL NOT REISSUE MY XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/ at approximately XXXX XXXX called from Navy Federal to collect on a loan payment. The loan reached its maturity so XXXX suggested that i refinance the loan. I asked XXXX if i should make a payment to avoid a 30 day late credit report. XXXX insisted that i did not need to make a payment because the refinance application would place a hold on the account so it would not report late. Over the weekend the new refinance was completed. The old loan was reported 30 days late contrary to what XXXX stated would happen. I called Navy Federal collections spoke with XXXX who reviews the call & stated i had never asked about preventing the 30 day late report which is a blatant lie. I asked to get a transcript of the call & the contact to navy Federal executive office for consumer complaints, XXXX states she could not provide any information regarding executive officers or the VP of collections. I have never had any late credit reporting. I would have made the payment in order to avoid the late reporting but i was following the process as advised by Navy Federal collections representative.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: On XX/XX/2023, I logged into my Navy Federal online banking and noticed I received my tax return, which was a surprise because I had just filed I seen that It was only XXXX in my account. I called Navy Federal up to someone and asked where my money was in my account. They stated we took it. I said for what they stated for a credit card in collections. I was in the biggest shock. I had no knowledge of this, never received any correspondence in the mail, called anything the rep stated, we sent an email. On XX/XX/2023 in Reference to the credit card about collections I never received it then she stated that it's like if you don't pay your light bill I don't know how that correlate I have been in contact with Reps for them to do this to me is very Surprising I have been explaining to them my circumstances me and children are homeless when I talked to a rep I sated I would pay the pay due balance I owe when I got my return they took everything from me and when I called they were unprofessional unpleasant and uncompassionate I asked to speak to a manager someone higher up was hung up on called back and placed back in a queue put on long holds I have been banking with this company for 17 years I have never experienced a situation like this with Navy Federal credit union before. People fall on hard times ; the FDCPA protects consumers from how and when they can contact a consumer concerning a debt, also the statue of limitations of the debt. I want this issue resolved and my money back I told them I would pay the past due balance they went the wrong way about this I was never made aware by mail or phone of the collection against me in order to make arrangements payment plan they just took all that I have and I'm back at square one
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On or around XX/XX/XXXX I received a message from the email portal regarding my everyday checking account at XXXX XXXX ending in XXXX that stated there was an item in the amount of {$160000.00} that was returned due to insufficient funds. I had never had an insufficient funds notice for my account because I have alway managed it correctly. I called the bank to try to get an understanding of why I was receiving this notice. I spoke with a bank representative who indicated that the amount in question was from a life insurance company called XXXX XXXX XXXX ( XXXX. XXXX XXXX XXXX of the XXXX XXXX ). Immediately I told her I do not have a policy with that company. She asked me if I was sure I didn't have a policy with that company because upon her review of my account, she saw that there were charges in the amount of {$1600.00} for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the present month XX/XX/XXXX. These charges collectively totaled {$8000.00}. I told her I had no knowledge of any authorized charges by me for any insurance policy of any kind. I asked her to transfer me to the fraud department to file a complaint. She transferred me to the department I requested. I spoke with a gentleman who listened to my complaint and helped me navigate a way to fix the issue. He closed the above-noted account and opened a NEW everyday checking account ending account. He moved the remaining money into the new account and left the old account open because there were some pending deposits that were scheduled to come through the account. He advised I update any automatic deposits as soon as possible in order to avoid any future issues with receiving deposits to the old account. He then initiated a dispute for all of the charges that totaled {$8000.00} for the life insurance unauthorized charges. He then issued me a provisionary credit and advised that there would be an investigation into the amounts in question and that if the charges were authorized the credit that was provisioned would be reversed. On or about XX/XX/XXXX, I received another notice from the bank that informed me that an investigation had started regarding my complaint and it was found that fraud was committed. They returned {$160000.00} to me for the month of XXXX 's payment. There were still 4 payments that were still being disputed. On XX/XX/XXXX, I received a notice from the bank that indicated my dispute was denied because they received a confirmation from XXXX Bank that indicated I did authorize the charges. I immediately asked for the proof they received from XXXX. They sent me a copy of a digital signature from XXXX XXXX ( my husband ) for the policy. I asked to have the matter escalated for a second review. I cited that I did not authorize those charges at all. I told them I had written proof that I had spoken to an insurance agent named XXXX XXXX XXXX ( the owner of the agency ) who discussed with me a policy for Whole Life insurance back in the end of XX/XX/XXXX. I was unable to get insurance for myself because I had a pre-existing condition that prevented me from doing so. He advised that I could get someone else to do the policy, then list me as the beneficiary and assign it over to me. I then gave him my husband and he was approved for the policy. XXXX sent me a notice a few days later once the insurance underwriters approved XXXX XXXX for the policy. XXXX initially signed the paperwork electronically and sent it back to XXXX. Upon reviewing the application a little closer, I noticed the policy in question was not for a whole life insurance policy like we discussed, instead it was actually for a Universal Life insurance policy which we had not talked about in our earlier conversation. I was not comfortable moving forward. I asked XXXX to explain why he switched the policy type without our knowledge. He sent me an email response that indicated the Universal Life policy would be better for me and offered to do another presentation for my husband and I to compare both policies. On or around XX/XX/XXXX we had the meeting. During the meeting, I told XXXX that my husband and I had to privately review the information and would get back to him with a decision. On or around XX/XX/XXXX, I sent a group text to XXXX, XXXX and myself with a response that said that though we liked the insurance option he presented we would not be able to move forward at that time because there were some financial obligations we needed to address. XXXX responded with did I know when I would be ready. I did not respond because I did not have a future date in mind. Please note, on XX/XX/XXXX, I connected via phone with XXXX and asked him if he pushed the policy through without my permission. I reminded him of our texed correspondence to not put the policy through on XX/XX/XXXX. He assured me that he did not put it through and that he would connect with the XXXX XXXX XXXX to make sure they did not put the policy through. He asked me to give him at least 5 days to get back to me with an absolute response. On XX/XX/XXXX when I received the denial letter from the bank, I called XXXX again. He did not pick up the phone. I left a detailed voicemail alerting him to what happened and that he needed to sort this out with the insurance company because it is now considered fraud because I did not authorize those charges. Meanwhile, I spoke back with the bank and told them I had collected all of the written correspondence between XXXX and I that showed I did not make the authorization for him to put the policy in force and collect funds as an " in-force '' policy. I was under the impression he followed my instructions. The bank told me that although there is written proof that I did not authorize the charges, their policy is such that with ACH withdrawals, they will only allow 90 days for a customer to make a dispute. Anything after 90 days I will have to " eat '' the loss. I totally disagree with this as there is written proof and they are ignoring it. They also had already initially given me a provisional credit for the full amount. I do most of my banking with them with amounts in their bank totalling {$100000.00} or more and had never had a reason to file a report of this kind. It is clear that their policy causes a disparate impact to me and my accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I was denied an account with another business because of a XXXX XXXX Report that was made by this bank. This is a direct violation of my rights under the FCRA. I have not received any notice from the bank that they were putting a hold on my ability to be able to conduct any financial transactions. I am demanding that this report be removed from my account, as I have no duty or obligation to perform for this bank.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
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 was scheduled for XXXX XXXX on Wednesday, XX/XX/XXXX. I did research on finding XXXX XXXX and came across XXXX XXXX XXXX. This facility marketed itself as having 24/7 around the clock nurse care. I booked my stay for 7 days and had to pay in full at the time of booking. I checked in on XX/XX/XXXX and began to notice problems right away. During this time, I received little to no help or care, post XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The staff tried measures such as giving me a liquid IV to keep me from going to the hospital. On XX/XX/XXXX, I finally convinced the unlicensed staff that I needed to go to the XXXX. I presented at the hospital with XXXX XXXX XXXX and XXXX XXXX. I was immediately admitted and treated with multiple XXXX XXXX During my time in the house, we had little care, they were low on food and cleaning supplies such as detergent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were told to duck and hide from neighbors as they were noisy and called the police on them before, due to suspicious activity.The house manager XXXX XXXX claimed to be a nurse, however, I can't find a nursing license under his name. This facility was not safe and I felt like I would die due to the lack of knowledge and care that they were providing. I was due to check out on XX/XX/XXXX. I was admitting into the hospital on XXXX. Upon release from the hospital, I changed my flight and immediately flew back to Texas. I paid for 7 days of care and I only received 3 days of care. I reached out the the owner via text and she advised that she would refund the money, but it never came. I filed complaints with my banking institution Navy Federal for 1. the XXXX XXXX and 2. XXXX XXXX XXXX. The bank refunded my money for the 3 XXXX I did not receive, however, they refuse to issue a refund for my stay which I was not present to receive services. Their reason is that I received some services. I have provided documents that I only stayed 3 days and they still will not refund my 4 days of stay they I was not at the property and did not receive service. Since filing this claim, the local news has investigated XXXX XXXX XXXX XXXX and she has shut down and erase anything related to XXXX XXXX XXXX XXXX. It was proven that it was illegal and did not have proper care and unsafe. The website and all social medias related to the recovery house are gone. Based on her personal XXXX @ XXXX she is now on to her next scam " XXXX XXXX '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A