Date Received: 2022-12-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Upon reading an article from CFPB I was affected by Navy federal XXXX. Illegally froze members access to their accounts : Misrepresented credit consequences of falling behind on a loan : Falsely threatened legal action and wage garnishment : They are guilty for committing all three to me. Every year navy federal adds dollar amounts to my loan and recent debit account that was closed unwantingly. Its been XXXX and they are committing fraud by keeping loan active by paying a dollar to keep active every year. This is a defamation of my character and violates my rights. I have also filed a FTC report off fraud due to this XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Due to the many violations and illegal practices I wont let happen to me, I have entered more complaints than one may like. You guys keep allowing companies to duplicate complaints as if they fixed the problem the first time. A person will not keep complaining if the problem got fixed. In this case the problem has never gotten fixed. Therefore, Navy federal continues to commit more fraudulent activities on my closed account, How is that possible? How is it possible for navy federal to transfer money to a charged off account? Navy Federal has done many things concerning my account without my knowledge or consent. I was not told my account was not accessible. I was not aware of the illegal credit transfers that have continued to happen. Even after sending a letter to rescind, also a letter explaining my unaware decision I made concerning this contract which under law trumps the entire agreement. It is illegal for Navy federal to have their members thinking there are no funds in there account, their account has been terminated. Behind the scenes Navy Federal has been transferring frozen for over a year now. How is that I work for my money and Navy federal agents can lock me out of my account and steal my money? I have gotten behind on bills, I have had to sell many items just so that I can survive. While Navy federal uses my money in my account to satisfy their cooperate needs! It is illegal for a closed charged off account to still have activity. Better yet, they enclosed the money is going to credit, where and how is the balance getting decreased? This is the main reason why this account has been flagged as fraudulent. Navy federal has yet to acknowledge that they misinformed me about where the loan actually came from. The loan was taken out of my name as if they were going to pay me back. I have not received a check from Navy federal from taking a loan out in my name. Furthermore, Navy federal led me to believe I no longer had an account with them all while still using my money and liying to the credit bureaus. They report to the bureaus that the account is still active and still being payed on. It seems like to me this proof that navy federal owns this debt. That is illegal i dont care. You cant take someones money not tell them and use it to your full advantage and i as the consumer does not receive any benefits from this situation. If anything this is tarnished my reputation! Its your job CFPB to stop these companies from running all over the consumer who in which has the rights. The bureaus are being gave false reports each month and no one is doing anything about it! I give the CFPB to collect evidence to support my claim.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Navy Federal put in my account {$500.00} that was a dispute in XX/XX/2022 and then on XX/XX/2022 then decided to denial the fraud credit and put it on my account without any notice
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89169
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Navy Federal Credit Union refuses to close my account or freeze it even though I have told them multiple companies keep trying to debit the account even though I have cancelled any and all automatic payments and revoked authorization. The bank makes {$29.00} each time one of these companies tries to take money and now I have at least 10 of these fees. The account is negative {$600.00}. They want me to pay before they will close it but each time I add money they add more fees, because someone tries to take money out without my authorization again. I revoked authorization each time Im given the name of the company that is trying to debit the account. I need assistance closing the account and getting a final account statement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60450
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have items on my consumer credit report I dont recognize. I XXXX XXXX did not open these accounts, therefore they are fraudulent accounts. I dont a contract with any of these companies. I would like an investigation conducted, and these accounts deleted from my consumer credit report as soon as possible. 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 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts below are fraudulent, and would like them deleted immediately from my credit report. XXXX : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} XXXX : Account Number XXXX open date inconsistent Amount : {$8000.00} XXXX : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent Navy Federal CR Union : Account number : XXXX open date inconsistent and or duplicate account. Navy Federal CU : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX XXXX XXXX XXXX Account number : XXXX inconsistent. Not mine, do not have a contract with them. I also have XXXX different social security numbers being reported on my XXXX report which is impossible. My social security number ends XXXX XXXX, but you have it has XXXX XXXX XXXX XXXX which suggests these accounts may belong to whoever social security number ends in XXXX. The dates these accounts are reporting to have been open are inconsistent. The amounts are inconsistent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX My Navy federal debit card was stolen and fraudulent transaction occurred. I notified them the following day. After a 10 day investigation my claim was denied. I submitted my second claim over 2 weeks ago, and I still not gotten a response or received my funds that were stolen frome me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Dollars amount placed on hold to long, amount not adding up, bankers harass merchants, bankers copy merchants, banks baby sit account, banks question money funds to account, bankers stinks, bankers are to young,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28562
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XX/XX/2022 I was charged {$110.00} and the description states transfer to other. I was never notified that this charge would automatically be taken by any certain date. I do not have auto pay setup.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Dear CFPB, I am replying to Navy Federal with another complaint and accusation of unlawful discrimination of my rights and is slated at breaking the law toward myself as a individual with mental & physical XXXX and THE EQUAL CREDIT OPPORTUNITY ACT. This act enforces that it is illegal for a creditor, such as a lender or mortgage broker to discriminate against a human being when youre applying for a mortgage because of ( Handicap Disability ). During this home buying process it has taken on toll on my health causing major trauma. At this point in my interest of the Home Buying process and trying to obtain a mortgage loan through Navy Federal who seems to not acknowledge surprisingly to those of disabilities, nor do they respect of honor the American Disability Act seemingly knowing that there whole Corporation was built by those who have served this country. As they parade to advertise there slogan with their Mission Statement : Members are the Mission is an understatement and slap in the face. Navy Federal has simply not honored my rights & position as being XXXX and struggle with a cognitive impairment that enables my unlimited abilities to retain l, process, and comprehend within receiving information, and staying on task with time management. They have not tried to help assist me in anyway and have not guided me with the medical request of using my reasonable accommodations that were professionally written and set in place by law under the Americans Disability Act ( ADA ). Therefore, I am submitting in response to Navys Federal statement that they had me fill out a new application that is suppose to be good according to the Home Buying Disclosures and from the representative for Navy Federal loan officer who I have been communicating with by a way of email as I requested, that I have XXXX days from the pre- approved letter before having to submit another credit pull ; XXXX days to Find a home to purchase ; and XXXX days to close in which Navy Federal has pulled my credit already XXXX times and they just charged me as well within their Closing Cost worksheet for Purchase which was the last step according to the XXXX XXXX XXXX in which I have mentioned that was confusing for me because of all the applications showing in the portal that they had me to apply for, I have also not been provided with the new loan application number for the most recent pre-approval Closing Cost Purchase Worksheet. ( This is another tactic to confuse me. ) I received an email stating that all I needed was to submit a Purchase Agreement and address of XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, Tx XXXX and I responded with more than XXXX of the addresses I was interested in as well as a ( XXXX XXXX Tax Rate Sheet of where the homes are located and a Map Description and Photos of the homes property and Lot ) requested from the Loan officer XXXX for Closing Cost Loan Write up with the true cost of the loan. They have failed to do so but instead sent me Closing Cost Worksheet for Purchase with estimations that include a Credit Report Fee of {$20.00} dollars. These Credit pulls has affected my credit score tremendously but was suppose to according to the FTC consumer.ftc.gov & Attorney General of the State of Texas Consumer Protection Division. When shopping for a home from lenders a hard inquiry should only report and remove points only once as a negative impact while shopping for a home with home buying guidelines. I have disputed the negative events to the Credit Bureaus and yet they have not removed anything. They have also sent a letter to me requesting that I pay for an appraisal when it was disclosed that Navy Federal would cover appraisal cost but I could hire my own Apprasier XXXX party at my own cost. Navy Federal has also used a Credit Report source of information going back XXXX years of credit history in their decision vs the requirements of only going back only XXXX months. Navy Federal has also harassed me about doing another Credit another and requesting me to pay another Credit Application Fee of {$20.00}. ( SEE ATTACHMENTS ) I also went into a Navy Federal Credit Union Branch by the name of XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Tx XXXX who has written down step by step of the percentages % of fees within the steps for my own mental notes and Loan Officer XXXX has also emailed me steps based upon my request, they are very different. ( SEE Attachments ) No where in this process did they request a Permission to Omit until after I filed a complaint with CFPB. The XXXX XXXX FOR ONLINE APPLICATION SUBMITTING is a conflict of interest with what I receive within my email as well as conflicting do you all the application and documents being repeatedly requested resulted in much confusion cognitively and requested several times to communicate by a way of emailing to upload and submit documents and for my reasonable accommodations to be taking into consideration. But instead I have been taking advantage off. I have diligently being doing what they ask and also asking for assistance regarding my XXXX and I keep being told that they dont have those services or either receding no response and has cause me a great deal of anxiety and being hospitalized as a result. Therefore, I am asking for further assistance from Consumer Financial Protection Bureau a U.S. government again y that make sure banks, lenders, and other financial companies treat you fairly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: XX/XX/22 I was pre-approved for XXXX used automobile By Navy Federal credit union and was denied credit 3days later, as well is unable to supply specific reasons why they denied credit. Disputed cfpb complaint. I would quote the equal credit opportunity act and 15 USC 1691 ( a ) ( 3 ), u came in good faith and exercised your right by doing the application which is really a CCT and they discriminated again you by sending a adverse action ( denial ). I would also state they violated you because you did not give them consent to contact a third party to make any decisions. Per the privacy Act. I would definitely reiterate that it is unauthorized use of your social security number since you received no benefit and that puts them as non- compliant pursuant to 15 U.S. C. 1681n, or negligent non-compliance, 15 U.S.C . 1681o. Claims of willful non-compliance carry possible statutory damages of {$100.00} to {$1000.00} per violation, attorneys ' fees, and unlimited punitive damages.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A