Date Received: 2023-02-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am a XXXX yr old XXXX veteran. I was having financial difficulties in XXXX and Navy FCU withdrew about {$6.00} from my savings to pay part of my credit card debt without my authorization. I closed the account and complained about it. I was in XXXXXXXX XXXX XXXX and they just brushed it off. I know this sounds petty but it is the principle of the matter as they take advantage of their customers. I was a customer of NFCU since XXXX and my financial problems were caused by numerous job losses and medical bills.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90601
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In accordance with the Fair Debt Collection Practice Act FDCPA, If a consumer dispute a debt requesting the collection agency to validate the debt, the debt collector MUST STOP all collection and reporting until it provides validation of debt. On XX/XX/XXXX, I sent NAVY FEDERAL CREDIT UNION. a letter agreement # ( XXXX XXXX XXXX XXXX XXXX XXXX via UNITED STATES POSTAL SERVICES requesting validation of an alleged debt. I requested 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; of the alleged debt with accordance to the General Accepted Accounting Principles ( GAAP ). 2. Produce the account and general ledger statement showing the full accounting of the alleged obligation that NAVY FEDERAL CREDIT UNION is attempting to collect. Such as ; XXXX XXXX balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), 1099 XXXX report, XXXX registration statement, XXXX prospectus, XXXX & XXXX call schedules A complete payment history documented from original creditor. This requirement was established by the case Fields v. Wilber Law Firm, XXXX XXXX XXXX and XXXX XXXX, USCA-02-C-0072, 7th Circuit Court XXXX XX/XX/XXXX. 3. Verification of their claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 4. Proof of the actual account receivable 5. Proof of the existence of an alleged account and/or contract in the actual flesh and blood name of XXXX XXXX XXXX duly signed and witnessed by both parties and both seals, not a unilateral agreement and upon which signed page there is reference to the entire agreement. 6 requesting to also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2020 and what actions s/he has taken in relation to this account. NAVY FEDERAL CREDIT UNION did not provide the above mentioned documents to validate the alleged debt, but yet still continue to report to the consumer reporting agency and are attempting to collect a debt from me. On XX/XX/XXXX, I sent another letter agreement # ( XXXX XXXX XXXX XXXX XXXX XXXX via UNITED STATES POSTAL SERVICES requesting them to send me debt validation documents of the alleged debt, still no documents have been provide. But continue to report to the consumer reporting agency and are attempting to collect a debt. On XX/XX/XXXX, I sent another letter agreement # ( XXXX XXXX XXXX XXXX XXXX XXXX via UNITED STATES POSTAL SERVICES requesting another debt validation, still the aforementioned documents above wasn't provided. NAVY FEDERAL CREDIT UNION have been given enough time to provide the debt validation documents, but have remained silent and acquiesce. Furthermore, NAVY FEDERAL CREDIT UNION is also in violation of my federally protected rights of the Fair Credit Reporting Act FCRA, by continuing to report information on my consumer report that is not accurate or has not been validate pursuant to 15 US CODE 1681s-2 ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Duty to correct and update information ; 15 US CODE 1681s-2 ( 2 ) ( B ) If a debt collector has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. Additionally, NAVY FEDERAL CREDIT UNION also violated me pursuant to the FDCPA 15 US CODE 1692b ( 2 ), 15 US CODE 1692b ( 5 ), 15 US CODE 1692d ( 2 ). PLEASE SEE ATTACHED EXHIBIT
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
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. 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 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 a late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On on XXXX XX/XX/XXXX I deposited a check for {$36000.00} to my ROTH IRA account. I was told that it would take 2 business days for the check to clear but after 6 business days the check had not cleared but had been recalled by the issuing bank because of a miscommunication between myself and the check issuer Navy Federal Credit Union subsequently froze my checking, savings, money market, ROTH IRA, debit card, credit card and online account access for supposed suspicious activity. I received an email from them on XXXX XXXX about this I called Navy Federal Credit Union Security people they were rude and told me they suspected i was being scammed and would not let me provide proof otherwise and froze all my accounts. I contacted the attorney that is representing the funds owners the provided a legal deposition/affidavit filed in the State of New York , Supreme Court , Appellate Division , Third Judicial Department on Friday XXXX XX/XX/XXXX, my accounts are still locked. This is the second problem with taking way too long to resolve issues on XXXX XX/XX/XXXX by bank account information was Phished and it took them on XXXX XX/XX/XXXX by bank account information was stole/phished/spoofed and it took them in excess of 42 days to return money stolen from my accounts
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85351
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
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: I was trying to purchase a home for my family and I and I realized that their were items on my credit report that were damaging. According to 15 U.S.C 1681 law there should not be any damages on my credit report as this is defamation to my character.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31906
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Application, Inquiry Date XX/XX/2022. Company using my SSN to obtained the funds from completed and incompleted applications, while I receive no credit in return for what I applied for. 15 U.S. Code 1691 - Scope of prohibition ( a ) Activities constituting discrimination. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, Credit Consumer is denied based on information obtained from third parties other than consumer reporting agencies bearing upon the consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Adverse action was taken based on information furnished by a corporate affiliate of the person taking the action. Adverse action was taken based in whole or in part on information in a consumer report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Account # : XXXX Charge Off/ Collections, and Late payments Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; Once there is a Charge Off a 1099C needs to be given to the consumer, which I have not received. 15 U.S. Code 1605 A ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. A charge off turns into income and should not be reported on a consumer report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Dear Consumer Financial Protection Bureau Team, On XXXX XXXX, I submitted an email to the NCUA, and they responded on XXXX XXXX 2023 I received an email that the information was forwarded to The CFPB, see attachment titled " XXXX & XXXX XXXX XXXX XXXXNCUA Case Number XXXX XXXX XXXX XXXXXXXX ] ''. I called and spoke with a representative at the CFPB today ( XXXX XXXX 2023 ), but no record of my file could be located. I am uploading all information that was submitted to the NCUA as well as the letter they sent to me regarding the dispute. There are five separate complaints which are described in detail in the attachment titled " XXXXXXXX XXXX XXXX XXXX XXXX XXXX NCUA Consumer Assistance Forms dated XXXX XXXX 2023 ''. All additional attachments are referenced in this attachment as they correspond to each of the complaints submitted. Kind Regards, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92040
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022 I made an additional payment of {$93.00} over the phone with a representative from Navy Federal Credit Union ( NFCU ) on my closed VISA credit card account ending in XXXX. This additional payment was required because the interest rate they were charging me went up a couple month earlier unbeknownst to me and as a result the automatic monthly minimum payment that was being withdrawn from my bank account no longer covered the new minimum monthly payment. So the amount due went up. They should have raised the amount that was being withdrawn so that this was not an issue. But regardless, I made this extra payment on XX/XX/2022 to meet the amount that was to be due on XX/XX/2022. That was four days before it was considered late by them but they didn't process it until after close of business on XX/XX/2022 and then reported my payment as LATE to the credit bureaus. I complained to NFCU and had several back & forth messages with them ( which have been deleted from their website message portal ). They refused to fix this incorrect reporting. The representative who originally took my payment over the phone did NOT mention it would take them over 4 days to apply the payment and that it would be considered, and reported as late. The whole reason he was taking the payment was to make sure it was received and applied prior to it being late. After we spoke he said I was all set. This ended up not being the case. So I filed a complaint with the credit bureaus but their investigation results indicated that NFCU claimed my payment was late, so it remained on my credit report as late. This has caused serious damage to my credit score and has harmfully impacted my life in several ways, such as being to obtain employment, get car insurance, be approved for a loan, rent an apartment, apply for credit, or even joining organizations that take credit score into account. Every other credit card I have and have ever had apply payment that same day or the next business day. I have attached the credit card statements for XX/XX/2022 and XX/XX/2022 showing when the payment was applied. I have also attached the email I received from them on XX/XX/2022 showing when I made the payment via telephone. What's even worse is that I had frozen this card and actually closed the account due to financial hardship during COVID. But I still continued to make on-time monthly payments every single month dating back before the pandemic and right up to this day. I've never missed a payment or have been late. Over 50 straight on-time payments and counting. The credit bureaus and any entity pulling my credit history is interested in seeing if I actually PAID a bill on time, not how long it takes ( 4+ days ) this antiquated financial institution to process that payment. This is misrepresenting my actions and misinforming any inquiring creditors of the facts. I did not PAY late! They processed my payment slowly caused it to miss their own deadline. That is what should be reported on my credit report. The truth. Furthermore they are also misrepresenting the nature of this account. This is a CLOSED account but they are reporting it as a revolving account that has XXXX credit but a high balance. So they are adding the account balance to my overall total revolving credit usage. Its effectively making it seem that I am sometimes over 100 % usage across all of my revolving credit accounts. This is also very damaging and not accurate. It is not a revolving balance It should be reported as an installment account. I just continue to pay it down in installments faithfully every month but they just keep continuing to damage my financial health and all the other basic life needs that rely on my credit score. Please have NFCU remove this inaccurate late payment from my credit history and correctly report it as a closed installment account, not revolving. Thank you XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit card was opened in my name without my consent Navy Fcu XX/XX/2023
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A