Date Received: 2023-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
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 XXXXXXXX
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 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: NFCU DENIED FRAUD CLAIMS MADE BY INTERNARIONAL COMPANIES - I SENT THEM INFORMTION AND PROOF THAT THESE ARE FRAUDULENT - THEIR CREDIT CARD COMPANY APPROVED MY FRAUD CLAIMS I SENT IN FOR THE CREDIT CARD CHARGES MADE FROM THE SAME INTERNATIONAL COMPANIES. THEY SAY THAT MY FRAUD CLAIMS DONT MATCH THE CLAIMS- AND BECAUSE OF " HISTORY '' THEY HAVE CLOSED ACCOUNTS - CUT OFF MY DEBIT CARDS AND NOW HAVE ME IN COMPLETE FINANCIAL RUINS- THEY OWE ME MY MONEY - LETTING A COMPNAY TAKE OUT {$100.00} 49 TIMES IN ONCE DAY - I CANT MAKE MY BILL PAYMENTS AND NOW MY CREDIT IS DROPPING EVERYDAY - PLEASE MAKE THEM TAKE RESPOSIBILITY - FEDERAL LAW STATES THAT I AM ONLY RESPONSIBLE FOR {$50.00} IF I REPORTED IT - I DID REPORT IT AS SOON AS I NOTICED THE MONEY WAS GONE - INFACT XXXX I DID NOT EVEN REPORT THE FRAUD THAT TOOK PLACE IN XXXX BECAUSE I THOUGHT IT WAS TO LATE NFCU NEVER CALLED ME ABOUT THIS- THEY JUST DENIED THE CLAIMS - I CALLED EVERY SINGLE DAY TO TRY AND GET THEM TO LET ME TALK TO THE INVESTIGATOR AND THEY DENIED ME THE ABILITY TO DO SO
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
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: 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: It looks like NFCU is up to its old tricks and didn't learn their lesson back in XXXX when they were fined {$28.00} XXXX for deceptive debt collecting practices because as of XX/XX/XXXX, NFCU randomly closed my account ( XXXX ) and illegally froze all funds and my access without any warning. My debit card, ATM usage and online account functions were blocked and inaccessible without adequate notice. On XX/XX/XXXX, NFCU mailed a letter to me that states they have no alternative but to recommend [ Account # XXXX ] for legal action. based on a delinquent account. The letter also implied that I will find it difficult, if not impossible, to obtain additional credit because of my present unsatisfactory credit rating. NFCU did not analyze my credit situation before sending me the letter. This is in Violation of Section 1036 ( a ) ( 1 ) ( B ) of the CFPA, that prohibits unfair, deceptive, or abusive acts or practices. The injuries I have sustained were not reasonably avoidable because NFCU 's policies and practices regarding electronic access and service restrictions were never adequately disclosed to me when I opened my deposit accounts, credit accounts, or before I became delinquent on a credit account. NFCU 's electronic account access restriction activities, constitute unfair acts or practices in violation of sections 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ). On January 1, 2023, NFCU failed to cease and desist all forms of communication, reporting these inaccuracies on my credit report. This is in Violation of 15 usc 1692 ( c ). Lastly, both the CRA 's and Creditors did not have permissible pursuant to 15 US Code 1681b : a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have contacted the Attorney General 's Office, XXXX and the CFPB TWICE and nothing has changed. The {$28.00} XXXX was just a slap on the wrist for NFCU. I highly recommend that they learn a lesson by way of stiffer penalties and fines. I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as NFCU willfully violated its obligations under the FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33614
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: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX XXXX-debt buyer XXXX-DEBT BUYER {$2200.00} XXXX XXXX XXXX XXXX $ XXXX-collection NAVY FEDERAL CREDIT UNIONXXXX XXXX, XXXX XXXX sold alleged debt US DEPARTMENT OF EDUCATION-no contract {$70000.00} , {$36000.00} Identity Theft : FRAUD- NO CONTRACT NO LAW 15 USC1681 ( b ) XXXX What Species of Money did either of these companies provide? What Species of money you are demanding?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022 I reviewed my credit report and noticed that I had a charge-off with Navy Federal Credit Union . I sent them a letter on XX/XX/2022 asking them to validate this debt bearing my signature or a contract. I was then sent back bank statements with the creditor. On XX/XX/2022 I noticed that they did not mark my account as disputed within the 30 day time frame according to the law ( FCRA623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer reporting agency described in section 603 ( p ). ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ) ). This company has broken the law by not only providing me with a copy of contract but also not by providing notice to the credit bureaus that the account was disputed. By law the company now has to remove the negative information from my credit report. This is negatively impacting me from getting loans or a home because of this false reporting. I am asking that this company to remove this negative information from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
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: Navy federal, XXXX and XXXX all stated that account number ending is XXXX was accurate as well as complaint. After looking further into my credit report I noticed that All 3 Failed to provide me with the utmost accuracy and compliance that I needed in my credit file as it affects my every day life. Account Number XXXX XXXX Navy Federal Credit Union Date of First Delinquency IS MISSING Creditor Classification IS MISSING Navy Federal also states that they closed my account which isn't true. I asked them to close my account. It makes me look unworthy of credit when it states untruth as they state. LATE PAYMENTS ARE INCORRECT because I don't have a DOFD to even start where the late payments begin. Please Remove late payments and Mark paid as agreed or Delete from my Report Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.In addition to provisions authorizing Federal and State enforcement, [ the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees.Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees.A violation is willful when it is inconsistent with authoritative guidance from a relevant agency.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23234
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ACCOUNT NAME ; NAVY FCU ACCOUNT # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC1681 section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States ; No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, the interest rate on the loan was never signed for nor did I the Original Consumer ever sign for a or do I consent to do business with the. I request that this account for this loan is removed immediately and will be seeking remedy for under 15 USC 1692c for injuries!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Tried to call navy federal credit Union about the account and they said to file a dispute and there was nothing they could do to help me since the account has already been charged off. Someone had my information and opened a credit card for XXXX in my name and maxed it out, leaving me with the debt. I can not afford that and it doesnt belong to me. I was a victim of defraud or identity theft. The date the account was open was back in XX/XX/2021. I was unstable at the time and didnt have a working phone so I couldnt report it at the time. I dont have the contact information or any information on the person at the moment who did this. This individual might have posed as me as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2023-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: During my marriage from XXXX, my ex-wife added me to her credit card with Navy Federal and maxed out the card without my knowledge. She also go another credit card in my name with the company and a personal loan as well. I am not able to I owe almost XXXX dollars due to her misuse of my personal information and funds. I would like this solved with navy federal so that I may do business with them in the future and open an account. I am now divorced and this was not my fault. I am not able to contact my ex. She was violent at times and I have no contact with her. I am a XXXX veteran and unable to pay the amount that was charged. Due to this, I am not able to do business with this credit union. I was a longstanding customer with this bank and I can't even get a bank account with them due to this situation. Please help me resolve this with Navy federal credit union. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75074
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: company refuses to permanently reverse reported fraud charges even after providing identity theft report and informing of fraudulent accounts being opened under name
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A