Date Received: 2022-12-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/22 I purchased a car from XXXX after 3 hours of driving the car the check the engine light came on so I contacted the dealership and was told that i purchased the car as is and would have to pay out of pocket to fix the car issue. I paid the dealership {$1000.00} to have the car fixed. The dealership then gave me the name of their mechanic XXXX XXXX. After leaving my car two days with the mechanic I was told my car has been fixed and to come pick it up. After two days of driving my car the check the engine light came back on. With several attempts to contact the dealership and mechanic I got the run around for an entire month with absolutely no help. So I had to take my car to XXXX to have the problem fixed which my bank can clearly see that transaction on my account. I contacted my bank XXXX XXXX to dispute the {$1000.00} I paid the dealership to have my car fixed I was told by XXXX XXXXl to submit my evidence and after review they would make a decision on refunding my {$1000.00}. So after review XXXX XXXX refunded the {$1000.00} to my account then a month later XXXXXXXX XXXX took the {$1000.00} back and when I ask the reason why I was told they now want me to come up with even more evidence of what was already submitted to them which makes no sense they have more than enough evidence and the injustice of taking the {$1000.00} back a month later with no valid reason. Attachments below is evidence of ( 1 ) correspondence between me and the dealership and my ( 2 ) bank statement showing I had to go to XXXX to have the car issue fixed and pay out pocket again in almost the same amount
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In response to my previous complaint, company has instituted overdraft protection without my consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navy Federal Credit Union is reporting negative information in a form of late payments to the consumer reporting agencies ( XXXX, XXXX, XXXX ) in reference to me as the consumer. Pursuant to 15 USC 1681s-2 ( a ) ( 7 ) ( E ), no federal law under the Fair Credit Reporting Act requires a financial institution to furnish negative information about a consumer to a consumer reporting agency. Furthermore, under the Federal Truth In Lending Act 15 USC 1666b ( a ) state that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. As a financial institution, as defined under the Gramm Leach Bliley Act, Navy Federal Credit Union failed to perform their obligation to respect and protect my privacy. Navy Federal Credit Union failed to provide me an adequate opt out notice and Ive NEVER granted Navy Federal Credit Union any lawful consent to disclose my nonpublic personal information to any nonaffiliated third party pursuant to 12 CFR 1016.7. By willfully reporting negative information to the consumer reporting agencies WITHOUT MY CONSENT constitutes as a form of punishment to defame my character. Navy Federal Credit Union actions are identified under 18 USC 894 for knowingly participating in any way, or conspiring to do so, by using extortionate means to punish me as the consumer. Having expressed these federal violations Navy Federal Credit Union breaking under the Fair Credit Reporting Act, Truth in Lending Act and Gramm Leach Bliley Act, I am demanding Navy Federal Credit Union to CEASE AND DESIST these illegal actions. Pursuant to 12 CFR 1016.7 ( g ) Navy Federal Credit Union is required to comply with this opt out notice upon receipt and comply with the follow
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently reviewed my credit report and noticed that there is an inaccurate information thats negatively affecting my credit and causing me stress and damages because Im not able to use my VA benefits to purchase a home because of the inaccuracies on my credit report. There is a charge of reporting to my credit report and the IRS considers charge offs to be considered income and income isnt suppose to be reported on a credit report. Therefore my credit report is not showing 100 % accuracy and is damaging my reputation as consumer and XXXX is not doing their job and is violating my reporting rights.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
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: 29072
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
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: 29072
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Although I do have accounts with the following companies, I do not recall the credit inquiries performed on the following dates Navy Fed XX/XX/2022, XX/XX/2022, XX/XX/XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was charged XXXX for XXXX twice and they didnt even pay for the item for XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29550
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: WITH REGARD TO ANY DISCLOSURES OF ANY ALLEGED DEBT OBLIGATION BETWEEN ANY FINANCIAL INSTITUTION, CLEAR AND CONSPICUOUS DISCLOSURE AT THE TIME OF ESTABLISHING CUSTOMER RELATIONSHIP MUST BE PROVIDED. I HAVE NOT ESTABLISHED/CONSENTED TO OR WAS PROVIDED CONSENT OF SUCH DISCLOSURE NOR WAS PROVIDED ANY NOTICE THAT COMPLIES WITH SECTION 6803 OF TITLE 15 WHICH OPTS OUT ANY DISCLOSURE OF ANY NONPUBLIC PERSONAL INFORMATION AS DEFINED BY 15 USC 6809 ( 4 ) TO ANY NONAFFILIATED THIRD PARTY. XXXX HAVE AN OBLIGATION WITH RESPECT TO THE DISCLOSURE OF PERSONAL INFORMATION. PER The Gramm-Leach-Bliley Act I HAVE THE RIGHT TO THE NONDISCLOSURE OF NONPUBLIC PERSONAL INFORMATION. THIS AGENCY IS ACTING AS A NONAFFILIATED THIRD PARTY ON BEHALF OF FINANCIAL INSTITUTIONS AND HAS ACQUIRED NONPUBLIC PERSONAL INFORMATION WHICH I HAVE IDENTIFIED AS FRAUD AND THE FCRA VERIFIED THE INFORMATION AS ACCURATE. SUCH ACTIONS ARE UNLAWFUL. I HAVE NOT AND DO NOT CONSENT VERBALLY OR WRITTEN TO SUCH FURNISHING OF INFORMATION TO MY CONSUMER CREDIT REPORT. I WISH TO OPT OUT OF ANY NEGATIVE, FRAUDULENT AND DEROGATORY INFORMATION FURNISHED ON MY CONSUMER CREDIT REPORT AND DEMAND THE CRA DO AS REQUESTED TO ENSURE MY REPORT IS FAIR, ACCURATE IN MY EQUITABLE INTEREST AND WITH REGARD TO MY CONFIDENTIALITY. I DEMAND TO OPERATE/EXERCISE THE NONDISCLOSURE OPTION OF THIS ACCOUNT WITH RESPECT TO MY RIGHTS. ANY TRANSACTION/AGREEMENT DONE IN PRIVATE BETWEEN ANY FINANCIAL INSTITUTION PERTAINING TO ANY DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION WHICH IS SOLD TO ANY NONAFFILIATED THIRD PARTY AND USING SAID INFORMATION WITHOUT CONSENT IS FRAUD. NO CONSENT FOR SUCH ACTIONS WERE EVER GIVEN EXPLICITLY WRITTEN OR VERBAL. I HAVE DISPUTED AND DEMAND SAID INFORMATION BE REMOVED/OPT OUT OF FURNISHING SAID DATA. ANY CONTINUED REPORTING OR FURNISHING OF THIS ACCOUNT IS WITHOUT MY PERMISSION/CONSENT/AUTHORITY AND CONSTITUTES IDENTITY THEFT. I DEMAND THIS INFORMATION BE BLOCKED AND DELETED FROM MY CONSUMER CREDIT REPORT IMMEDIATELY IN ACCORDANCE WITH 15 USC 1681 C-2 TO AVOID FURTHER DAMAGES TO ME.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
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: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A