Date Received: 2023-01-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navy Federal Credit Union reported XXXX late payments to the credit bureaus which is not accurate and instead of reporting payments as current, they provided me XXXX letters confirming the dates of our deferred payment plans and assigned me, the consumer, the responsibility of making the dispute to the credit bureaus for their violation of reporting accurate account information. I used these letters end of XX/XX/2022 to dispute the late payments that were inaccurately being reported to the credit bureaus via XXXX XXXX and certified mail. I have evidence that shows that XXXX had brought the account to current and then immediately reposted the same inaccuracies XXXX week later, and adding another inaccurate reporting of an increase of the balance, bringing my XXXX XXXX down XXXX points. Being that a compromised credit report and low XXXX XXXX can also compromise living qualifications such as housing, transportation, and more, this deliberate neglect and malpractice is costing more than {$1000.00} per violation. I am building this record of malpractice to the government agency 's records of the misuse of my credit reports. In accordance with the Fair Credit Reporting Act, Navy Federal Credit Union and XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I have enclosed in the attachments, the previous dispute through Consumer Finance, as well as the screenshots through XXXX XXXX 's current XXXX credit report of the Navy Federal Credit Union account to support my claims, as well as the current balance through Navy Federal Credit Union.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92284
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Navy Federal has violated my rights. They are reporting inaccurate late payment information from XX/XX/2022. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1691 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my 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 late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXX has violated my rights. They are reporting inaccurate late payment information from XX/XX/2022. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1691 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish a account without my 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 late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2022 a credit card was opened with Navy Federal Credit Union without my knowledge using my Name, DOB and SSN. for {$25000.00} credit limit. I feel Navy Fed DID NOT follow red flags rules! The account is closed however it has ruined my credit. I have notified all XXXX credit agencies. I have filed a police report with XXXX XXXX XXXX. In XXXX, Oregon. filed with : XXXX XXXX Badge XXXX Case # CPD XXXX How can a bank issue a credit card by only verify DOB and SSN? How about checking address? especially since I have never banked with Navy Feds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97013
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: 2023-01-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: Ive continuously contacted Navy Federal to pay off a charge off I have through direct deposit in full payment of XXXX $ it seems it didnt go through on the XXXX but I have had money in since the XXXX of XXXX bank statement, Ive already let my bank know the exact amount. This payment still hasnt been made. After contacting a second time it still hasnt been posted, the money is just sitting in my account. This is suspicious and concerning, someone tried to put in a check for XXXX it wasnt me and it also didnt go through. It seems as if someones trying to take it out and is someone from Navy Federal. I also went in person to pay it I sat down with a clerk and she didnt not tell me that I would have had to have cash to pay it so I waited and wasted my time for XXXX hours.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92119
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Navy Federal Credit Union ( NFCU ) Subject : Used Vehicle Loan On XX/XX/XXXX, a letter was submitted to Navy Federal Credit Union requesting that they take my name off from the vehicle loan agreement and make XXXX XXXX XXXX XXXX liable for the amount of {$13000.00} for breach of contract and fraud. On XX/XX/XXXX, NFCU called me to notify me that my request was denied and stated it was a civil matter between XXXX XXXX XXXX XXXX and me. I requested the decision to be in writing and I have not received it as of XXXX The car dealer where I purchased the vehicle, XXXX XXXX XXXX XXXX, was engaged in unlawful practices with their bussiness license by falsifying documents, misrepresenting, concealing, or failing to disclose important facts concerning the sale of vehicles and committed fraud when they sold me the vehicle knowing that they would not be able to provide NFCU with a title. XXXX XXXX XXXX XXXX breached the contract by not being able to provide NFCU with a title within the time required by law. I am requesting Navy Federal Credit Union to open an investigation and take enforcement action on XXXX XXXX XXXX XXXX and to take my name off the loan agreement and make XXXX XXXX XXXX XXXX or whoever cashed the check responsible for the amount of {$13000.00}. On XX/XX/XXXX, NFCU approved the loan application and provided me with a XXXX XXXX report that did not list any legal issues or title problems with the vehicle. My agreement to the terms and conditions of the loan was only if the dealer conducted bussiness in accordance with the law. The check was written to XXXX XXXX XXXX XXXX not to me. On XX/XX/XXXX, XXXX XXXX XXXX XXXX committed fraud by selling me a vehicle that they knew they would not be able to provide a title for. XXXX XXXX XXXX XXXX fraudulently sold me a vehicle for {$18000.00}, which {$5000.00} were paid cash and {$13000.00} with a check financed by NFCU, written to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX or someone cashed the {$13000.00} check knowingly that they would not be able to provide the title and that the vehicle had legal problems. On approximately XX/XX/XXXX, XXXX XXXX notified me that sales representative XXXX XXXX at XXXX XXXX XXXX XXXX was willing to take the vehicle back and refund the total purchase price amount of {$18000.00}. On XX/XX/XXXX, I took the vehicle back to the dealer, XXXX XXXX inspected and took possession of the vehicle and gave me a {$5000.00} cashiers check from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) written to me and a delivery letter/receipt. I made NFCU aware and submited delivery receipt to them. XXXX XXXX XXXX XXXX said it will take them approximately XXXX XXXX to pay Navy Federal Credit Union the {$13000.00}, but refused to put it in writing. To this day, XXXX XXXX XXXX XXXX has not made a payment to NFCU or attempted to contact NFCU for payment arrangements. XXXX XXXX XXXX XXXX is under XXXX XXXX for fraud and unlawful practices in XXXX XXXXXXXX XXXX ( See Case numbers below ). According to XXXX XXXX XXXX from the XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX was engaged in unlawful practices with their bussiness license by falsifying documents, misrepresenting, concealing, or failing to disclose important facts concerning the sale of vehicles. XXXX XXXX XXXX appeared to be the main man and have control over XXXX XXXX XXXX XXXX making all decisions and transactions of the sale and return of the vehicle. After returning the vehicle, XXXX begin ignoring my phone calls and did not replied to my text messages. On XX/XX/XXXX, XXXX XXXX replied to XXXX of my text messages saying that I needed to contact XXXX ( no last name given ), another sales representative because he no longer worked there. XXXX XXXX XXXX XXXX breached the contract by not being able to provide a title and committed fraud by cashing the check. It is NFCU 's duty to take enforcement action related to fraud on XXXX XXXX XXXX XXXX and their financial institution to find out who cashed the check. I am requesting NFCU to remove me from the loan agreement and make XXXX XXXX XXXX XXXX or XXXX XXXX responsible for the debt or payments. NFCU raised the interest rate on my loan for not receiving the title within a specific time frame which was totaly out of my control. XXXX XXXX XXXX XXXX XXXX did not provide a title to NFCU, NFCU converted my loan XXXX to a prevailing unsecured rate of XXXXXXXX XXXX, and increased my XXXX payment amount of approximately {$200.00} to {$270.00}. I have been cooperating with NFCU to resolve this and keep my account current. I have made hundreds of attempts to reach out to XXXX XXXX XXXX XXXX and XXXX XXXX asking them to submit payment. On XX/XX/XXXX, I contacted XXXX XXXX to see if it was possible for me to recover the vehicle from XXXX XXXX XXXX XXXX and negotiate with NFCU to take possession of the vehicle to pay off the remaining balance outstanding on the loan or to come to an agreement, but learned from XXXX XXXX that XXXX XXXX XXXX XXXX had sold the vehicle on XX/XX/XXXX for {$13000.00}. XXXX XXXX also told me that XXXX XXXX XXXX XXXX bussiness license had expired on XX/XX/XXXX and that they did not renewed it, and that their car lot was empty and possibly permanently closed. How is it possible that XXXX XXXX XXXX XXXX was able to sell this vehicle again? Why is XXXX allowing this type of bussiness continue operating and no legal penalties and why the car was not impounded if it was under investion? Why did the XXXX XXXX report did not alerted me or the other buyer of danger or problems with this same vehicle? On XX/XX/XXXX, I submitted a demand letter of debt to XXXX XXXX XXXX XXXX through XXXX XXXX mail demanding the amount of {$13000.00}. On XX/XX/XXXX, I filed a fraud report on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) took a courtesy report ( case # XXXX ) at the XXXX station. Once the report is approved, they will forwarded it to the XXXX XXXX XXXXXXXX XXXX XXXX I am a XXXX XXXX NFCU member with exellent credit and have had several used vehicle loans throughout the years with NFCU. All loans have been paid in full and payments were made on time every XXXX XXXX XXXX XXXX Currently XXXX XXXX has XXXX used vehicle loan accounts open with NFCU, and the reason is because NFCU would not approve me a second loan without providing a title for the first XXXX. The sellers of these XXXX vehicles acted in accordance with the law and titles were released to NFCU for being the lien holder with no problems. I am the head of household and responsible of making payments for all XXXX loan accounts which are all current. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since the begining NFCU was informed of the issues with XXXX XXXX XXXX XXXX. NFCU has been a witness of the nightmare it has been for me to attempt to get them their title. Below is XXXX XXXX XXXX XXXX business information and XXXX case numbers. I am requesting that Navy Federal Credit Union take my name off the loan, or at minimum to suspend or freeze the loan account without any penalties and accumulating interest charges until this case gets resolved, and to open an investigation and take enforcement action against XXXX XXXX XXXX XXXX owner XXXX XXXX and sales person XXXX XXXX XXXX for XXXX and make them accountable for the amount of {$13000.00}. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : PURCHASE PRICE {$18000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85365
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/23 someone named XXXX XXXX with an account ending in XXXX tried to became a member-to-member on my navy federal credit Union account XXXX There was a very legit looking text with a link to a legit looking website. I filled out my name, address, DOB, social security number, and mothers maiden name. I realized my mistake and have changed all my information and become a member of life lock. They tried to withdraw {$4500.00} and {$2500.00} from my accounts from my understanding but got blocked by security questions. So I do appreciate that NFCU.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I have asked Navy Federal Credit Union to verify the debt ( per FDCPA ) and to respond to my request within 30 days. The document was sent via certified mail with a return receipt. There was a return mail receipt signed and forwarded back to me. Therefore, the document was received. In the notarized document, I asked for debt verification. Prior to this, I spoke with an agent on the phone asking for a full document explaining the details of the car loan. I only received a XXXX page document that spelled out interest rates, the amount of the loan, and the number of payments. If this was/is an executable contract, there should be XXXX signatures, XXXX from myself and the other from a duly authorized Navy Federal Credit Union employee XXXX ( see document attached -requesting this information ). The notarized document was sent to them early XX/XX/2022. However, after submitting the document via certified mail, I have not gotten a response in writing. My request has been ignored. Please address this issue as soon as possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This alleged account shows charged off on my consumer reports. I am requesting information from the alledged creditor. I need any documentation proving that the debt has been sold and charged off. I also want to know the amount it has been sold for and whom it has been sold too.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1. Navy federal has put in the system that i owe them {$100000.00} I never EVER applied for no loan I've never had no unsecured credit card with them and every time i get in contact an employee tells me their working on it and always ends up hanging up. - i found notice of this when i tried to apply for a bank account and they told me that i owe never federal {$100000.00} this is FALSE this is stopping me from growing and getting jobs something i know nothing about. 2. Navy federal is falsely reporting a debt that i do not owe. I got a secured credit that i put {$5000.00} down of my own money. they end up closing my account in which that money that i put down would be used in collateral to pay off the credit. MONEY that i never got from navy federal in the first place i put with my own money. - They reported the SECURED credit card as a UNSECURED Credit card on my credit reporting file i have proof, they are reporting untrue things that is extremely bringing down my credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A