Date Received: 2022-12-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: CFPB, On XX/XX/2022 The matter with Navy Federal has not been resolved, so have yet to seek justice but still being discriminated against as it relates to my handicap disablement to be able to purchase a home as a first time home buyer protection under the EQUAL CREDIT OPPORTUNITY ACT ( ECOA ) without being discriminated against while being able to receive income form any public assistance program.
I am still not being heard and considered being able to use my reasonable accommodations being able to have proper time under the Americans of Disability Act ( ADA ) but have been continually violated not to ne able to use extension of time and provided with the same information and process equitably like other members who have gone through the First time Home Buying of the Home Buyers Choice process with low rates a follow through of policy & procedures step by step and instructional copies of loan documents without running my credit serval times and then charging me several fees providing me with no Closing Worksheet Estimate or Good Faith Letter of actual true cost using the formula and timeframe from the date of the new application Navy Federal stated in response to complaint even closing the complaint due to me not complying to their suggested time to process.
This would be a second email letter submitted to me via email on XX/XX/2022 at XXXX XXXX ( XXXX ), following up with a demand to respond within 24 hours still not providing a commitment to lend and still obsess with running my credit again a third time a now third attempt and tactic to pull my credit down charging me another credit application fee of {$20.00}.
I have also attached a written letter I am requesting to submit to the President/CEO of Navy Federal Credit Union XXXX XXXX XXXX now inform her of the discrepancies and discrimination I have incurred.
This is my final submission to seek for this yo be resolved for the stated resolutions submitted within the
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Approximately 9 months ago I was added to my significant others checking account, the person assisting asked if I wanted to open a savings account as well, I said yes. 2 weeks before XXXX, after the accounts were all used for 9 months a transaction from navy federal out of my savings account totaling {$500.00} wiped the savings account completely out. After attempting to get answers for 3 days via phone, and in person it was concluded that they didnt know and that it was from a charge off account but it was so long ago they could not obtain information. I initiated a dispute to the bank for the prior account ( the only account I had ever had there prior was a joint account which they were very adamant this account was not ). I disputed ever having my own account in 2013, since I was not authorized to have my own account there with this company considering I was no longer affiliated with the XXXX. The only information provided to me, despite numerous requests to provide proof/documentation that they were authorized to blindly wipe out my account, was that there was a balance of {$650.00} from a charged off/closed account in 2013. ( 10 years ago ) I initiated disputing ever owning my own account, and the knowledge of any of this, as well as inquired as to why Id be allowed to join this bank on a joint account, open a savings account, use the accounts for 9 months, before having my account wiped out without any knowledge, and without being provided proof. When I asked for proof, I was told we sent it to you. I have received nothing thus far from this bank regarding money owed, or proof that I owned a private account. I had to quickly release myself from our joint account so no more money would be taken from us ( as it was made clear an additional {$160.00} would be taken immediately once deposited ) causing turmoil 2 weeks before XXXX and funds that were supposed to be deposited. It caused NUMEROUS overdraft fees resulting in {$250.00} in fees on top of the charges that didnt go through. Financially for us XXXX and the XXXX were ruined due to this banks inability to be professional.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22655
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best if my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services or money ; and, obviously was pretty successful in creating some accounts. All is being investigated by the FTC.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2022 I applied for a XXXX XXXX XXXX XXXX account with Navy Federal Credit Union I was very sure I was going to be approved, but a week later I received a denial letter stating that the results of analyses of repayment histories and behaviors of large numbers of members.This system creates a proprietary Navy Federal XXXX XXXX for each credit card applicant with consumer report information on file. They stated why I was denied. The letter stated that I do not qualify for the minimum required credit line for the product. Stated again that in evaluating my application the consumer reporting agency listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agency played no part in their decision and is unable to supply specific reasons why they have denied me credit. XXXX XXXX Relations I have a problem with the fact that this company for XXXX ran an inquiry on my credit report just to come up with drawn-out excuses as to why they denied me credit, and these reasons for my credit denial are not listed in the companies credit card agreement nor on their web site where it states ( How to apply for credit ) or ( How credit work ) I feel as if I was judged based on my race and age because they have a picture of my ID and when they could not deny me off my credit they took a whole new credit rout.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was contacted by someone at this phone number : XXXX ( XXXX ) XXXX. They claimed to be an attorney and legal processing service called XXXX XXXX XXXX. They also gave me a call back number of XXXX with a case number of XXXX. They threatened to take me to court unless I settled for an original principle balance. The original balance claimed was {$1400.00}. They stated with attorney and legal fees that amount would be {$3400.00}. The collector stated that the debt was originally sent to collections in XXXX until XXXX. They offered to settle for the original balance. I did not agree and they hung up on me. I called back and they said XXXX XXXX, wait for your summons and appear in court. I called back again and was met with the same response. I know the statute of limitations on this debt has passed. I havent had an account with navy federal since XXXX or XXXX. But I did call Navy Federal. Navy Federal said I had XXXX accounts charged off. One for a credit card with a {$500.00} limit and another for an auto loan with a balance of {$4300.00}. They further told me that my account is now with XXXX XXXX XXXX. The phone number given was XXXX. I didnt agree to pay anything, despite their threats because I knew my rights at the time of the call. I simply asked as many questions as possible to help this agency. Even if I owe Navy Fed anything, this debt has passed the legal statute of limitations, which I believe places the creditor in violation of cfpb statutes. Id ask that you please investigate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23188
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navy Federal Credit Union is violating my consumer rights, and federal law, by reporting a late payment onto my credit report. Pursuant to 15 USC 1666b, payments can't be reported for ANY reason. This is against my privacy, which is also a defamation of character. I've informed them more than 5 times to remove this, as it violates my privacy and is defamation! It has hurt my character, which has hurt the banking system. Navy Federal 's reporting of my payment history goes against the intent of the congressional purpose, pursuant to 15 USC 1681. I've also informed the Credit Reporting Agencies of this illegal activity, in which they continue to violate my consumer rights and federal law by reporting this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89031
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Dates : XX/XX/2022 evening and XX/XX/2022 early morning Bank : Navy Federal Credit Union Amounts : {$2300.00} {$500.00} {$640.00} {$100.00} {$450.00} {$610.00} The transactions were unauthorized from my checking and saving account sent through the XXXX XXXX. I have no knowledge nor recognize the recipient ( s ) of the money stolen from my account, nor did I approve of the money being sent. I do not know or have any individuals contact information for the funds that were sent. Phone account was comprised and had to reset phone. Contacted Navy Federal Credit Union to dispute the transactions/fraudulent activity. The bank closed the account and mailed out a new atm card associated to a new open account. The bank did not provide a provisional credit and denied the claim. I immediate called to open a new claim and I have not received a response. I received a text from XXXXXXXX insisting that I update my account before the incident. I received calls from XXXX insisting that I update my account before the incident.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30088
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
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: Whom It May Concern : I am sending this letter to you in response to a notice I received from you on ( XX/XX/2022 ). Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that vou are licensed to collect in my state : and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following. Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character 50 Free Debt Validation Letter
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This complaint is due to the Consumer Credit Transaction with this companys financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) the term document means any information in any form. I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX, and XXXX. Please Cease and Desist the reporting of my private consumer information immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: The company allowed me to file an application for a XXXX XXXX XXXX, on about XX/XX/2022. I completed the application process and uploaded all requested documents. Neither in the application package, the company 's web page nor other promotional matters, pertaining to Home Equity Loans, was I informed or advised that this organization prohibited the use of XXXX Equity-based loans, for any business purposes. I waited 5 days for the notice of loan approval, but instead, I got a call, not a notice from XXXX XXXX, where, she among other things, said she think that my approval was denied, due to loan, purposes. Upon further questioning, I learned that she didn't even know what the loan restriction policies were. The loan officer was very uninformed, and more concerned about directing me toward a business loan, than answering my questions, regarding the following : 1. Why was my application accepted and processed, if the policy was to deny equity loans for business, purposes? 2. Why was I required to file all of the documents, and allow access to my accounts, and give permissions, if the subject company, denied all equity loans for business purposes? 3. Why was my application sent to underwriting for processing, if the financial organization, denied all loans for such purposes? 4. Why is this organization discriminating against XXXX XXXX and the general public, by denying access to home equity? 5. The company 's two notices of adverse action are contradictory, confusing, and capricious. I believe that I was discriminated against due to my XXXX XXXX status, in addition to having income based on government benefits and XXXX. I also believe that the company 's reasons for denial, are " facially discriminatory '' as well as arbitrary and capricious! Denying me access to the home equity in my home, based on the fact that I might use some portions for business purposes while approving loans for other purposes, is also " Facially Discriminatory, '' and a violation of The Fair Housing Act!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A