Date Received: 2023-02-12
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: Please see the attached dispute letter that was sent to Navy Federal last month. Not only have they failed to respond, but I have also yet to receive the 1099c form for the written off account they are reporting. Lastly, they are furnishing different payment history to the credit bureaus. How is that possible when all data furnished should be completely the same? Please remove this account from my credit report or I will be seeking compensation per violation. Please see the attached credit report and dispute letter which is dated, and time stamped.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am a long time member of the Navy Federal Credit Union ( NFCU ). It's main office is located in XXXX, Virginia and many branch offices around the world mostly in XXXX XXXX. Its Fraud Dept is located in XXXX, Florida. On XXXX XXXX, 2023, I conducted several transactions with an agent as I do on the phone early every year. All were done correctly. I turned on my home computer next day to check on the balance of my Money Market Savings Account ( XXXX ) and saw an unauthorized transfer of {$5000.00} from our account ( joint with my wife ) to our joint Checking Account and to XXXX XXXX Bank as " ACH Pending Transaction. '' I immediately called the NFCU and discussed with an agent. He said the fund will be restored within 1 to 10 business days. {$5000.00} was later transferred out of our Checking account to XXXX XXXX Bank to an individual named, " XXXX XXXX. '' {$5000.00} is not restored as of this date and several oral and written communications with the NFCU were to no avail. I am greatly puzzled and disappointed why the NFCU did not take an immediate action when I reported it on XXXX XXXX, 2023. Please see the attachments to explain the sequence of events. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93940
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: According to 15 USC 1681 E ( B ). I am entitled to an accurate consumer report. I have disputed these accounts numerous of time and they return as verified. Now, In the State of Georgia the Statute of limitations on a written contract in the State of Georgia is 6 years. Both of these account must be removed off my consumer report immediately. Navy Federal Credit Union Allegedly {$2500.00} high balance. Allegedly Balance owed {$1300.00}. This account must be Deleted immediately. I will file for remedy for reporting inaccurate information on my consumer report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navy Federal is reporting the following amounts to XXXX, XXXX, XXXX, XXXX XXXX. {$19000.00}, {$5300.00}, {$8900.00}, {$10000.00} and {$36000.00}. 15 USC 6802 states financial institutions may not disclose nonpublic information to a non affiliated third party Navy Federal has not given me the consumer in writing or electronically any disclosures stating that my personal information would be disclosed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21801
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i been trying to get intouch to have theses hard inquires removed i didnt apply for anything they have yet to remove them
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07206
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I filed a claim with Navy federal for unauthorized transaction that I noticed in my account. On XX/XX/XXXX then I spotted additional charges on XX/XX/XXXX so I called to add those charges to the claim I was told that I would have to create a new claim but they will notate the account that the new claim goes with the existing claim. Same fraudulent transaction from the same entity done on different days. Well they just approved the first claim and found that it was valid but denied the second claim. The same fraudulent activity that went on with the first claim went on with the second claim they denied as well. I would like for my second claim to be validated and the money returned to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
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: Around XX/XX/XXXX we filed a dispute with Mattress Firm via Navy Federa Credit Union Mastercard. The dispute was regarding a defective Tempurpedic queen size mattress which the specifications were 58x78 inches instead of 60x80 inches. Also, included in that dispute was a restocking fee for {$540.00} in which were were disputing because we were not informed of this restocking fee or any information about their return policy. We were given the run around with Navy Federal regarding this dispute. The Navy Federal employees were communicating different information to us as we had several phone calls that last over 2 hours basically on each phone call.. When Navy Federal first submmited the dispute that left out the information regarding the mattress was defective because it was not in compliance with standard queen size bed. It's noted that on XXXX and XXXX XXXX the speciafications of the queen size bed. They ruled in XXXX XXXX favor because when they submitted the dispute the first time they left out was the critical information of the defective mattress. Navy Federal only considered the restocking fee and not the defective mattress. Its my undertanding the a company can not charged a illegal restocking fee if merchantise is defective or not as decrijbed. We also had to sign under duress for the mattress to be picked up with a notation of the restocking fee. We feel Navy Federal is not compiling with the regulations of Mastercard code 4853 dispute code and failed to providing protection for us as a consumer. Navy Federal phone # is XXXX XXXX. Also, we were not informed about the outcome or no communication until we inquired on XX/XX/XXXX. We paid off the credit card and closed the account on XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73034
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX, XXXX XXXX THE XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and their affiliates have stolen my identity when I worked a summer job when I was younger for their company and they kept my information and used it against me and used my name, social, birthday for their benefit and deformed my character and misrepresented myself and my family and the community. They opened a credit cards, bank accounts, and mortgages and purged my family and my assets up against the property of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Il XXXX They forged my signature and my aunt 's signature after they entered us into a civil marriage They falsified documents and they put powers of attorney against us to act as our agents They attempted to take over our family business XXXX XXXX XXXX XXXX they acted as if we were doing business as XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60115
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 Navy Federal Credit Union took {$640.00} from my checking account. They claimed it was to pay off a debt owed to them. I asked a customer service supervisor named XXXX where in the contract it explicitly states they can transfer funds from my checking to savings account. He could not provide that information. He read a disclosure agreement for a secured credit card application. I had an unsecured credit card with Navy federal Credit Union which is an open-end credit plan under 15 USC 1602 ( j ) and 15 USC 1637 . I communicated with a woman named XXXX from the collections department of Navy Federal Credit Union on XX/XX/2023 and she was unable to state the exact contract agreement that states they are able to transfer funds from my checking account either. She stated I can make a payment arrangement and credited my account {$200.00} but still couldn't tell me the the agreement. She couldn't say why only {$200.00} and not the entire amount when I am specifically asking where does it state per contract you can take the funds from my contract. She constantly says she doesn't have a disclosure agreement in front of her and can not send one to me. XXXX transferred me to a credit card representative so they can provide a disclosure agreement. That representative was unable also to read the exact part that states they can transfer funds from my checking account to pay off a debt. He attempted to send via email but that sent me to an invalid link. So I communicated with a customer service representatives, credit card representatives and collations representative but no one has been able to validate this within the contract to transfer funds from checking account to pay off supposed debt. I have read to them every time the credit card Agreement and Disclosure I have which they acknowledge but nothing under section 11 ( default ) or section 12 ( closing or suspending account ) states they can transfer funds from my checking account. I spoke with a supervisor named XXXX today XX/XX/2023 within Navy Federal Credit Union from the credit card department and asked her how was the credit card funded. I asked if it was funded by the credit unions reserves or was it an extension of my credit as a consumer? She stated she doesn't know, then asked what do I mean... I asked again was my credit card was funded from the credit union reserves? She mentioned that she doesn't know. I asked her was there a finance charge I was paying on and how much did I pay? She stated she doesn't know. XXXX did tell me how to see how many payments I've made towards the credit card by looking at previous statements. She was still unable to tell me how the credit card was funded. I communicated with her how it was funded determines how I can lawfully pay off my debt. The finance charge does not include charges of a type payable in a comparable cash transaction under 15 USC 1605. So the payments that were made from cash were unlawful methods of payment they collected at Navy Federal Credit Union for the supposed debt. They also haven't validated how they funded my credit card. I am a consumer under 15 USC 1602 ( i ) who did a consumer credit transaction 15 USC 1679 ( a ) ( 2 ) which created an open-end credit plan 15 USC 1602 ( j ) that didn't have an end term. My account was closed because of non-use but I couldn't use it since they claim I was over my limit. Navy Federal did not state clearly a lawful way to pay since cash can not be used to pay off a supposed debt from a finance charge. After communicating with the several representatives of Navy Federal Union Credit they still haven't provided three things for my clarity. They have not clearly provided proof they can transfer funds from a checking account to pay any supposed debt. They have not clearly stated how credit cards are funded so the consumer can be aware of how to lawfully pay an obligation to the Credit Union if it comes from their reserves or an extension of credit from the consumers original credit card account. If it's an extension from the consumers credit card account, Navy Federal Credit Union can not close that open-end credit plan and it will be funded from the consumer original credit card account they extended credit form and reset debts every moth from that account. Finally they never stated when they will return all my total {$640.00} back into my checking and when I will get unlawful payments returned back also.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A