Date Received: 2023-01-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have a navy Federal account where I was involved in a scam being taken place against me. I thought I was applying for a loan. The person called me and already had all my information and said I was eligible for a loan. I did provide the person with my access code. They ended up putting {$2200.00} in my account and snatching it back out. When I called Navy Federal they advised me someone had disputes transactions on my account and when they issued a temp credit they transferred the money out. Navy Federal ended up holding me at fault and closed my account saying I owe the money. I provided them the phone numbers they called from, email address, and forms they had me fill out regarding the loan. Im not sure why they couidnt follow the money since it was transferred out. I can provide more info if needed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
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: XX/XX/2023 Navy Federal XXXX XXXX XXXX XXXX, VA XXXX In my very first letter to XXXX, I stated : I recently pulled my credit report and noticed the negative items you listed. I have been a victim of fraud, and I believe these are the accounts that continue to harass me every single day. There was a total of four ( 4 ) letters sent to XXXX, requesting verification of said items. It is now a total of five ( 5 ) times, requesting that they send me ANY verification that these said items are mine. You, as the data furnisher, continue to report these harmful items on my credit report, and I am simply asking that you send me what you are sending XXXX. They continue to violate federal law, repeating the same response each and every time, verifying items, without sending me verification. Is this how a consumer must be treated? XXXX reports information that you provided them. I dispute the information, XXXX contacts you. Navy Federal has the option to send me the same documentation ( verification ) you sent to XXXX, and then XXXX could send me said verification as well. In this case, and in every previous case, Navy Federal Credit Union sent items to XXXX, and then XXXX proceeded to report back to me that the items listed are complete and accurate, without sending me ANY type of verification. Please help me understand this : A thief is able to use my identity, I make a complaint against it, there are laws protecting me, data furnishers are aware of said laws, the company says I still own these items without providing me any documentation these items are indeed mine. Now the thief goes free, and I am to bear the burden of unverified items? I am to blindly trust that you and XXXX are reporting accurate information? WHO is verifying these items? Are you and XXXX business together? It appears as so. I will post the law once again, as it clearly states in the Fair Credit Reporting Act, 15 U.S.C. 1681 : 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Once again, XXXX is stating in every response, this has been VERIFIED, WITHOUT providing ME with verification! In my tedious process of trying to receive the verified information being reported, I had to send the last four ( 4 ) digits of my Social Security Number, a copy of my license, a utility bill, a proof of address form, and a notarized document, which was tracked, insured and shipped via United States Postal Service. If you can understand the context, I had to do this four times, incurring fees each time, to prove I am who I say I am. Yet, I am not able to receive ANY form of document in return, that would show verification that I incurred said items listed on my credit report? It is not my duty to list the type of verification I am requesting from Navy Federal, because frankly, I dont know what to look for! This is why I am asking for at least something, showing this is indeed mine! According to CFPBs Rules and policy, found on their website as of XX/XX/2023 : The CFPB implements and enforces federal consumer financial laws to ensure that all consumers have access to markets for consumer financial products and services that are fair, transparent, and competitive. This is unfair because this company refuses to be transparent without providing me with ANY documentation said items are indeed mine. Their repetitious responses include, but not limited to : The data furnisher responded and verified that the disputed information was accurate as reported. Nowhere, and not once in their responses, have they provided me with any documents to verify! XXXX is reporting back to me the same information that can easily be seen by a consumer ( me ) on data furnishing websites such as ; XXXX XXXX XXXX. I can not stress this enough, that is NOT verification! Navy Federal continues to violate federal law, by furnishing unverifiable data, when they have assumed a vital role in assembling and evaluating consumer credit and other information to a consumer such as me. The law clearly states : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. According to CFPBs Enforce section, found on your website as of XX/XX/2023, you state the following : We take action against predatory companies and practices that violate the law and have already returned billions of dollars to harmed consumers. Navy Federal is in clear violation of multiple laws and I am asking for help, on what else to do, because companies ( XXXX and Navy Federal ) are refusing to provide me with verification. This attempt would be number six ( 6 ), that I have requested fair, transparent, impartial, & respectful service, yet I have not received it in any form. I am asking that you promptly delete these items of information from my file, based on the results of the reinvestigation and promptly notify me ( or CFPB first, and then to me ) of that information, that the information has been deleted from my file. I demand the following accounts be verified or removed immediately : NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hello Navy Federal, my account was closed and online banking shutdown while i have an active balance in my account and im requesting to have my funds mailed to me in the form of a cashiers cheque.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 52804
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: From XX/XX/XXXX- XX/XX/XXXX I applied for a loan with navy fcu they filed a hard inquiry This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting my credit
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was giving provisional credits for XXXX on XX/XX/2022 by the bank for a dispute I filed on XX/XX/2022. Once giving the temporary funds my old card was disabled XX/XX/2022, only way to move funds were for me to enter a branch which 1 hour away from my home or use a member to member feature inside my mobile app. I went with the member to member feature to send funds out of my account in the amount of XXXX then XXXX another for XXXX and finally another transfer for XXXX to two other accounts, the next day my account was restricted and also the other members account was suspended as well. I see nothing I did wrong to deserve my account to be closed I been a loyal customer since day 1.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: NAVY FEDERAL CREDIT UNION XXXX XXXX XXXX XXXX are depriving me of my rights and are conspiring against my rights which .they are being negligent and willingly noncompliant. I offered a conditional acceptance of any alleged debts upon a lawful proof of claim which they failed to respond to. I gave them a chance to correct their error by sending them a notice of fault : opportunity to cure which they failed to provide a lawful proof of claim as well. I then sent them a notice of default and consent to stipulation agreement to the facts in which they failed to rebut .they have violated my rights under the FDCPA, FCRA , TILA, GRAMM LEACH BLILEY ACT, the UCC , and the US CONSTITUTION.they have breached and exposed my private information and financial data .they are using XXXX XXXX to commit fraud & are attempting to swindle and oppress me .they refuse to provide me with the information they used deem the alleged debts in question as valid .they have not given me the full file disclosure I requested as described 15 U.S.Code 1681g and all other documentary evidence, including books of account, both journal and ledger in accordance with 15 U.S. Code 44 and IRS publication 583 including any and all accounts made using my intellectual property, my signature, associated with this account both public and private. they have not provided me with any chattel papers I requested as described in UCC 9-102 ( 11 ) to deem any alleged debt valid. I was never given a full disclosure of the determination of the finance charge nor was I given a full disclosure of the determination of the annual percentage rate. They allegedly charged off the alleged debts in question, writing it off as a loss but are still attempting to collect an alleged debt. I have receipts of NAVY FEDERAL and XXXX XXXX management harassing me, my family, and even my friends with multiple phone calls sometimes more then XXXX time a day .The codes and regulations they have violated include 12 CFR 1006.6 15 USC 1692c ( b ), 12 CFR 1006.18 15 USC 1692e ( 10 ) & e ( 8 ), 12 CFR 1006.14 15 USC 1692d ( 5 ), 12 CFR 1006.22 15 USC 1692f ( 6 ) ( a ) & ( 6 ) ( b ), 12 CFR 1006.34 15 USC 1692g ( b ), 12 CFR 1006.30 ( d ) ( 1 ) 15 USC 1692i ( 1 ), 12 CFR 1006.30 ( e ) 15 USC 1692j ( a ), 4th amendment, 5th amendment, 18 USC 241, 18 USC 242, 12 CFR 1026.4 15 USC 1605, 12 CFR 226.22 15 USC 1606, and much more.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: It appears Navy Federal Credit Union breached their fiduciary duty in the handling of consumer credit transactions that they processed on my behalf. They failed to act in my best interest and with utmost good faith. Navy Federal Credit Union failed to provide full and fair disclosure of all material facts of hte consumer credit transaction and notify me of the processes of the transactions, the whereabouts of my financial assets and their proceeds, and failed to provide me with a monthly statement for any and all accounts, including but not limited to segregated, custodial, and securities accounts, they opened on my behalf in my name, at Navy Federal Credit Union or other financial institutions while serving as the Securities Intermediary and attorney-in-fact for each transaction and asset for which there is a book entry documented. I am also demanding the disclosure of the CUSIP numbers of my financial assets. On XXXX XXXX XXXX an employee or agent of Navy Federal Credit Union signed for my documents sent via USPS XXXX XXXX, signature required, addressed to their headquarters to the attention of Transfer Message Department and/or CFO. Enclosed with my cover letter were entitlement orders/transfer message, notarized revocation of power of attorney, and the corresponding authorities for entitlement orders, financial assets, securities intermediaries, and securities accounts. I requested Navy Federal to disclose all accounts associated with my financial assets, sell all positions, settle any outstanding obligations that I may have, close those accounts, and transfer the proceeds to a securities account of my choice. To-date, I have not received any of the requested documentations, and Navy Federal Credit Union has failed to process my entittlement orders according to my demand as the Secured Party/Entitlement Holder/Issuer of the financial assets XXXX I have not received correspondence from Navy Federal Credit Union stating that they are processing or need more information. Therefore, there should not be any delays in the processing of my entitlement orders. The failure to fully disclose the information is a violation of Truth in Lending, and as such, requires treble damages in the amount of three times the finance charge. The financial assets for which power of attorney were revoked, and proceeds and documentation was requested for were initiated on : 1. XX/XX/XXXX, {$74000.00} 2. XXXX {$63000.00} 3. XXXX, {$52000.00} 4. XXXX {$5200.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
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: Spoke with XXXX in collections who sent a request to remove 30 day late for XX/XX/2022 but a new late for XX/XX/2022 was added. XX/XX/XXXX payment is NOT 30 days late until XX/XX/XXXX and today is XX/XX/XXXX there incorrect credit reporting is causing me damages and health problems
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 903XX
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
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 fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre 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
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34972
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A