Date Received: 2022-12-20
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I opened a use auto loan account with Navy Federal Credit Union in Georgia. I was sent paperwork via US mail from the loan officer. Everything was highlighted where my signature was needed. Approximately 3 months later I received a letter from Navy Federal stating that my savings account was debit {$15.00} for XXXX fees. I called Navy Federal on XX/XX/22 at XXXX XXXX XXXX and spoke with a Representative that was trying to refund my account {$15.00} and was not able to do so. The Rep asked to place me on hold to see how he could refund my account. Before, offering me a refund the Rep did not see any paperwork that I signed giving NFCU the right to debit my account. Once the Rep placed me on hold he came back stating that he spoke with his Supervisor and could not issue a refund. I asked to speak to the supervisor. XXXX ( supervisor ) can on the line and proceed to explain what a title change mean etc. I interrupted XXXX and informed her that I am aware of what a title change means. XXXX was HORRIBLE and did not try to solve my issue. I spoke with XXXX around XXXX XXXX. XXXX was awful. I want to file a complaint against Navy Federal. I did not give Navy Federal permission to debit my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am filing a complaint against Navy Federal Credit Union, concerning a fraud claim for card num ending in # XXXX of {$190.00}. Navy Federals investigation determined an agreement that an error occurred as I asserted and that a provisional credit was applied that was not applied temporarily while they await information from the merchant that supports the validity of the disputed charges. It clearly states in the provided letter that : if the merchant does not provide information within 45 days from the date of the letter, their determination that the error occurred as I asserted will be final and the provisional credit that I did not receive would become permanent. It has been well off past 45 days and Navy Federal has failed to communicate and refund the money back to my account regarding my claim. The merchant has not sent any information within the timeframe stated in the certified letter within this claim ( See Attachments ). Navy Federal states that when their investigation was completed I would be notified of a determination stating whether the provisional credit that I did not receive during their investigation was removed or permanent. RESOLUTION : Therefore, I am filing a complaint with an expectation of authorization action to be taking place for the return of my funds to be expedited back to my new credit card account ending in # XXXX. I am also a victim of disable discrimination with a XXXX XXXX and demand a resolution for those of disabilities to be advocated for under the American of Disability Act to be able to use their reasonable accommodations regarding and claims and consult with a customer service provider as a Private ClienXXXX base on their disability needs. Respectfully Submitted, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I found out in XXXX of XXXX that somebody was using my account from XXXX of XXXX to XXXX of XXXX credit limit for XXXX I believe it was someone from my home I was only XXXX when this account was opened
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Please see the attached documents as it includes my complaint, my identification, and multiple letters from Navy Federal Credit Union attempting to collect an alleged debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I actually messaged them and asked very nicely to close my account. And to use the secured portion of the deposit to pay the bill. After I asked them I forgotten about it. Well it seems that they took it o themselves to keep it open and before I realized that it was still open they had already had 5 or 6 late XXXX XXXX or more days late. I had to message and ask if they would remove the late marks as I felt it was their fault and they refused. They have caused me great distress and a bad XXXX as I have worked really hard to get my score up to XXXX at that point and score prolly dropped XXXX points.. They deliberately done that to cause me to be depressed. They prob are laughing now 15 USC 1681a I states report containing information solely as to transactions or experiences between the consumer and the person making the report ; The consumer can not sue the issuer unless the consumer writes a dispute letter to the credit reporting agency first,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23234
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I had 3 credit cards opened in my name that I did not know of, this is affecting my credit report because it is incorrect information that is being used. XXXX XXXX XXXX - XXXX - XXXXXXXX XXXX XXXXXXXX - XXXX XXXX - XXXX Someone bought a car under my name and there was lots of inquiries under my credit report now I have invalid debt on my report showing XX/XX/20XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Navy Federal Credit Union Credit card issued fraudulently under my name approximately XXXXXXXX XXXX with a opening balance of {$23000.00}, I first noticed this account in XXXX of same year in my XXXX XXXX Acct,. I called the Navy Federal Credit Union XXXX ( spoke with a rep XXXX and gave me a confirmation # XXXX ) at which time they said they would lock down the acct. and start a fraud investigation. Till this time I still have not heard back on any results as of this date XXXX XXXX. I call twice since XXXX and XX/XX/XXXX couldn't get me thru to fraud div or systems were down, In XXXX i gave both my e-mail and phone # but have yet to receive a response. I believe i gave them plenty of time to resolve issue. Further more I'm not a veteran though my father was a XXXX Vet he passed in XXXX and did not belong. I would appreciate your help in resolving this matter. Thank You
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07675
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Navy Federal is in violation of 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), which protects me from discrimination in any aspect of a credit transaction such as an increase in credit limit. They refuse to grant credit in a substantial amount or on substantially the terms requested in my application or not even making a counteroffer to grant credit in a different amount. The application for credit and their refusal to extend the limit is an adverse action. By 15 U.S. Code 1602, The term creditor refers only to a person who regularly extends consumer credit ( my social security number ). The term creditor refers only to a person, The term person means a natural person or an organization
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX is on my credit report twice as a hard inquiry and they stated they only ran my credit once on XX/XX/2022 but XX/XX/2022 is appearing on there as well. Please remove XX/XX/2022 immediately. Also, Navy FCU ( Finance ) is also showing as a hard inquiry on XX/XX/2022 and I reached out to them and it's still appearing on my credit. I don't have an account with them and canceled my application before they were suppose to run my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX! This is for your under writer! Ive also attached my Certificate to my name and fee schedule. XXXX. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( XXXX ) uses any chart or table authorized by the XXXX under section XXXX of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( XXXX ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than XXXX year, or both. XXXX be sending this in the form of an Affidavit. XXXX XXXX XXXX. XXXX, XXXX Congress " The ownership of all property is in the State. Individual, so-called ownership is only by the virtue of the government, i.e. law, amounting to mere user, and use must be in accordance with law, and sub- ordinate to the necessities of the state. Congressional Record, XX/XX/XXXX on XXXX, XXXX " Under the new law, the money is issued to the banks in return for government obligations, bills-of- exchange, drafts, notes, trade acceptances, and bankers ' acceptances. The money will be worth XXXX cents on the dollar, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of the people of the nation. Title XXXX XXXX. - Obligation or other security of the United States defined The term " obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps. XXXX 's are obligations of UNITED STATES : HR XXXX : " The term " obligation '' means Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. Title 31 3123 makes a statutory pledge of the United States government to payment of obligations and interest on the public debt Title 31 {$3100.00}. Payment of obligations and interest on the public debt ( A ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( B ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. Therefore, the government pledges to pay government obligations which Federal Reserve Notes are, and pay them with FRNs, which is legal tender. Taxes and all bills associated with corporations are all government obligations which they must pay when we accept them for value and return them to the government that has an obligation to settle the debt, dollar for dollar. The Constitution does not give we, the people " rights. '' It forbids the government to ignore the " God given Rights of the people, '' as seen in the 9th Amendment : " The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people ''. In addition, the 10th Amendment : " The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people '' It is a fact : Title 31 3130 further delineates in its definitions a portion of the total public debt, which is held by the public as the " Net public debt, '' 3130. Annual Public Debt Report ( a ) General Rule. On or before June 1 of each calendar year after 1993, the Secretary of the Treasury shall submit a report to the Committee on Ways and Means of the House of Representatives and the Committee on Finance of the Senate on- ( 1 ) the Treasury 's public debt activities, and ( 2 ) the operations of the Federal Financing Bank . For whatever reason we can associate with their actions and reasons they did so we may benefit. We are beneficiaries, the government are trustees ; Trustees pay debts, beneficiaries do not. Thus, government obligations are not taxable. In fact, by the 14th Amendment, 4, we need people to create credit instruments. We must also Accept For Value, the debt instruments/legal tender of the United States . As long as the debt exists, the Democracy exists. The Republican Form of Government, The United States of America, can only come back when the debt is gone. Since Federal Reserve Notes ( FRN 's ) as legal tender are debt notes, an insufficient number exists, for their repayment in kind, will not cover the interest " owed. '' Using FRNs to " pay '' debts only increases the government obligations on debt by their creation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A