Date Received: 2023-02-25
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 filed a dispute with my credit card company regarding an issue/unauthorized charge on my card. I sent in all of the supporting documents that was requested in a timely manner. The company that was disputed, XXXX XXXX XXXX XXXX Fl for {$630.00} on XX/XX/2022, is a scamming company who claims to fix/repair vehicle parts, but ultimately is causing the vehicle/ CPU more issues than before, which causes XXXX XXXX to request more money from the customer and will still give the customer/myself a broken part which causes my truck to not run/drive at all. I will attach all of the documents including the note sent to Navy Federal credit union to remove the unauthorized fee that we NEVER agreed upon. Navy Federal then gave us a temporary credit and after submiting all of the requested paperwork, they still showed favor to the merchant who could not have provided any proof that the charge was authorized. The fee that WAS authorized was paid by another card that is not Navy Federal and the amount was significantly lower than the {$630.00}. My husband and I ended up with a unfixed truck and double paid repair expenses for a vehicle that we still can not drive. Dispute read : Once I got the part back on my truck after the repair, the truck was still acting up and undriveable. Hence why I took it to XXXX to get a diagnostic check on it. The 2nd upload reads the issues that are mainly wrong with the truck and the CPU still being the biggest issue, which was supposed to have been fixed by XXXX XXXX. I reached out to XXXX XXXX to advise them of the situation with the part. They stated that I then needed another part for the truck and will need a card on file for holdings. As well as to bring the part back IF I want to proceed with then fixing the truck. I declined for future services, which is why I decided to have XXXX fix this issue now instead of XXXX XXXX. XXXX XXXX then charged my card on file without authorization, no receipt, or reason as to why the card was charged. My wife and I just so happened to check our credit card charges and noticed a unauthorized charge from that company. We tried calling them to get answers and our money back but to no avail. Then we researched the company on XXXX and the results were so alarming and disturbing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened a Navy Federal Account in XXXX TX off XXXX XXXX related to personal identifying information XXXX XXXX XXXX XXXX and XXXX XXXX XXXX related to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX presented a Fraud Marriage Document related to XXXX XXXX XXXX XXXX TX. and Filed illegal Powers Of Attorneys where acting power XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX had my passport book committed Veterans Affairs fraud by stealing my Veterans compensation check over XXXX a month as well as a spouse XXXX and child of XXXX for each. I played no part in this and this is Bank Fraud this was on the bank i asked for the disclosures from the bank to be mailed to XXXX XXXX XXXX XXXX XXXX Tx XXXX all will be disclosed in the Taxes to my undisclosed sources the round bout figures where my net worth is XXXX XXXX dollars and they stole {$650000.00} by transfering to bank cards relating to my social and unprotected name now at the comptrollers office in TX. but i first recognized the payments in XXXX or XXXX in XXXX XXXX. but i opened it in XXXX XX/XX/2021 when i ask the bank close my account in TX it was never closed because of the powers of attorney she had over me acting fraudulently as a spouse worlds dumbest criminal they tripped the FBI by amount they stole but failed to make the most wanted list all this was Bank Fraud in TX and California as well XXXX has a property at XXXX XXXX XXXX XXXX and another down XXXX XXXX which XXXX moved out of please investigate please XXXX mail any findings for my mobile is down or a investigators number to contact for i have cyber stalking to properly keeping me from reporting the full events please take this as a formal report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76201
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The below items do not belong to me. Please assist me in getting these items removed. I have sent in a police report to the XXXX and XXXX with regards to this account not being mine. Navy Federal Credit Union - XXXX : {$22000.00} ( XXXX XXXX XXXX ) The following items are reporting incorrect late payments on my credit reports. Please investigate this matter and remove the following accounts : I have noticed the day of activity does not match. I have tried resolving this issue with UPGRADE ( XXXX XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX XXXX, XXXX ), XXXX NAVY FEDERAL ( XXXX & XXXX ). I havent had any luck fixing this issue. I have asked them to please provide on many occasions, documents verifying that I own these accounts at question and they have not. Please investigate this matter and remove the following accounts. Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I received funds from IRS to account that has been closed for over 6 months. Navy Federal Credit Union stated that account was closed over and over and that I could not deposit or no longer use account. Today XX/XX/2023 NFCU has allowed funds to deposit into a closed account without returning them to sender or giving me a heads up regarding funds sitting in the savings account which is closed also. They have stated to me via phone recording that they will not release funds and has not given me an alternative to get funds after requesting them to send funds to me. I am now playing the phone game with NFCU to try and contact someone to assist with this issue with no luck l.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Today, XX/XX/XXXX, I received a letter from Navy Federal Credit Union requesting that I pay a debt of {$5400.00}. However, I have no knowledge of where this debt has came from. Upon checking my Credit with XXXX, I can see that the Navy federal account, along with XXXX other accounts were all maxed out and unpaid. The Navy Federal account was opened in XX/XX/XXXX ; I'm guessing it was by my mother because I didn't open my first debit card account until XXXX of XXXX. When I did open my debit card account with XXXX, my mother told me that I would be " on her credit '' and that she would hold onto my cards. When she told me this, I had just turned XXXX and knew relatively nothing about credit. Moreover, I just assumed it was similar to having a student banking account. I suspect that she has been using my credit for her own sake. When I moved away from home to start college at XXXX in XXXX, I still didn't have access to these credit cards. While she had them, I can see that she was paying them off on time up until XXXX. We had a falling out and my parents left me to provide for myself. Because they were paying my phone bill and stopped so suddenly, I had to save up for a new phone ; I ended up losing her contact information. My mother also blocked me on all social media, leaving me with no way of contacting her on the matter. After this falling out the cards associated with my name have all were maxed out and haven't been paid off since. I have tried to file for identity theft this past summer and have spoken to my XXXX about the situation ; however, I don't think it filed it correctly. Just for informational purposes, the other XXXX accounts were : a XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX ), a XXXX XXXXXXXX XXXX XXXX ( opened XX/XX/XXXX ), and a XXXX XXXX XXXX ( opened XX/XX/XXXX ). There is also an XXXX card under my name that has been terminated and that I didn't open.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46222
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account showing incorrect balance. No update since XX/XX/2022. Contact institution as a courtesy to update my credit reports. Was told this is only down every 3 months or so for installment loan. I have significantly paid this loan down from {$10000.00} to just over {$5700.00}. Institution told me to file a dispute.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: navyfed has not returned money owed to me due to a dispute further they have limited my access to my acc on numerous occasions and even changed my gender to my biological gender XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX with account # XXXX opened on XX/XX/2021 and a balance of {$3500.00}. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above-referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S.C. 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] The subsections you violated are as follows. 15 USC 1681 ( a ) 1, ( a ) 2, ( a ) 3, ( a ) 4, ( b ) 2. Your company said that you did an investigation on this account, and it was verified. As a consumer, I exercise my rights under 15 U.S.C. 1681i ( a ). I'm requesting your method of investigation and verification. I'm granting you 15 days to respond to my request. I also exercise my rights under 15 USC 1681 ( a ) e. I want to know who you spoke with regarding this matter and what communication method you used. And, what company did you talk with, and what are the employee 's name and the number who furnished this information? Also, What's the neighbor 's name, friend 's name, associate 's name, and acquaintances did you speak with? Was all the information factual? Please be advised that this is my FINAL WARNING that I fully intend to pursue litigation under the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous two written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my dispute letters that you verified that the items listed below are accurate, but you failed to send me copies of the documents you used to verify these accounts as per my request. You have ignored my request to send me copies of the documents you used to verify the disputed accounts is evidence that you can't and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can't verify after written requests is also evidence of your willful disregard for Federal Law. When we go to litigation, and through the discovery process, you will be required to produce these documents along with an affidavit swearing under oath that these are the proper and correct documents you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files proves that you did not correctly verify the accounts within 30 days as required by law, and the Court will order you to delete them. You say that you have reinvestigated these accounts. Still, you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts, which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts. Still, you also ignored this request, another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ''promptly DELETE all information which can not be verified. '' I request that you do this immediately. I am a litigious consumer and intend to pursue litigation to enforce my rights under the FCRA. The law is evident as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I demand that you delete all of the accounts listed below immediately & provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am a Combat Veteran with a XXXX under the 1st prong of the American with Disabilities Act ( ADA ), U.S. Code Title 42, Section 12102 ( 1 ) ( A ). see : https : //www.ada.gov/law-and-regs/ada/ # top : ~ : text=The % 20term % 20 % E2 % 80 % 9Cdisability, of % 20such % 20individual % 3B and I have made this known to Navy Federal numerous times XXXX My ability to speak, concentrate, think, and communicate are impaired ( Title 42, Section 12102 ( 2 ) ( A ), see : https : //www.ada.gov/law-and-regs/ada/ # top : ~ : text= ( 2 ) % 20Major % 20Life, communicating % 2C % 20and % 20working. )
Navy Federal Credit Union ( hereafter, NFCU ) is a public accommodation as defined under ADA Section 12181 ( 7 ) ( f ), continues to refuse to communicate in any manner accept voice telephone calls. See : https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( 7 ) % 20Public % 20accommodation, entities % 20affect % 20commerce
NFCU 's " failure to make reasonable modifications in policies, practices, or procedures, when such modifications are necessary to afford such goods, services, facilities, privileges, advantages, or accommodations to individuals with disabilities, unless the entity can demonstrate that making such modifications would fundamentally alter the nature of such goods, services, facilities, privileges, advantages, or accommodations '' is a form of discrimination, violating the ADA. See :
1. ADA Section 12182 ( b ) ( 2 ) ( A ) ( ii ) https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( ii ) % 20a % 20failure, advantages % 2C % 20or % 20accommodations % 3B
2. ADA Section 12182 ( b ) ( 2 ) ( A ) ( iii ) https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( iii ) % 20a % 20failure, an % 20undue % 20burden % 3B
Navy Federal Credit Union has blocked my ability to make electronic mortgage payments, will not accept payment at an ATM, or a physical branch, and has not repaired their online messaging system, nor do they provide a means to reach them via email or chat.
ADA Section 12201 ( f ) precludes NFCU from requiring me to communicate with them via phone. See : https : //www.ada.gov/law-and-regs/ada/ # subchapter-iii -- -public-accommodations-and-services-by-private-entities-title-iii : ~ : text= ( d ) % 20Accommodations % 20and, not % 20to % 20accept.
I just want to make my delinquent mortgage payments.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22406
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. NAVY FCU XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60656
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A