Date Received: 2022-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I contacted Navy Federal on XX/XX/2022 to pay a previously negotiated settlement amount of {$100.00} to settle a {$530.00} charged off credit card debt. Navy Federal took my payment and provided a confirmation number then told me they would update the status of the account. Today XX/XX/2022 I was alerted that a collection was added to my credit report by a third party collection agency XXXX XXXX XXXX. When I contacted the collection agency I was informed that they owned the debt and provided a fax number to submit proof if the debt was settled with Navy Federal. When I spoke with Navy Federal I was told that although my settlement payment was taken the debt was sold to a third party and there is nothing they can do.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with fair credit reporting act XXXX Account number : XXXX has violated my rights. 15 USC 1681Section 602 states I have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166BB : CREDITOR MAY NOT TREAT AN PAYMENT ON. A CREDIT CARD ACOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 15 US CODE 168 1A : STATES INFORMATION SOLEY AS TRANSACTIONS BETWEEN CONSUMER AND PERSON ONLY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
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: See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 24540
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had my identity stolen and submitted the police report to XXXX to have the following accounts removed because they do not belong to me : All Navy FCU accounts that have balances of {$9100.00}, {$9000.00} and {$6300.00} on my credit report ( there are XXXX ) Also I ask that all Navy FCU hard inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and another on XX/XX/XXXX I did not authorize these inquires nor did I apply for any of these accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 724XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: please investigate inquiries from NFCU XX/XX/2022 and NFCU XX/XX/2022 & XXXX XX/XX/2022. if these are inproper accounts please remove them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77014
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: CHARGED OFF ACCOUNT ( not bankruptcy account ) XX/XX/XXXX Navy FCU withdrew {$1400.00} from my savings account for a " disputed '' debt ( late fees and interest on late fees ) NFCU charged off. Navy FCU did not contact me prior to withdrawing the money. I became aware of the withdrawal when I received a letter a letter thanking me for paying off the account. When I contacted Navy FCU 's collection department I was told that the money was in the account and I owed it. Below is a screenshot from my account showing the withdrawal : XX/XX/XXXX SAV ADJUSTMENT XXXX XXXX XXXX - {$1400.00} Below is a screenshot from Navy FCU credit score dashboard showing the charge off : Account Charged Off XX/XX/XXXX An account has been identified as Charged Off. This account was either charged off as a loss by the company with whom you had credit, or that the account was sent to a collection agency for payment. Subscriber Name NAVY FCU New Charge Off Date XX/XX/XXXX https : //www.creditviewdashboard.com/cvd/ # /alerts I disputed the account and refused to pay because Navy FCU WOULD NOT acknowled that charging interest on late fees is illegal ( not disclosed on loan disclosure ) and WOULD NOT give me a breakdown of the late charges total and the interest total so I could pay the late charges. I filed a complaint with CFPB but CFPB did not investigage this fees violation and just sent me Navy FCU 's response to the complaint. CFPB did not request Navy FCU to respond to my request for the breakdown. I do know that in mortgage lending it is illegal to STACK FEES. I'm am hopeful this NEW complaint will be investigated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
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: Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Updated and new information : Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FIAR CREDIT REPORTINGACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the late payments from my consumer report this agency is in violation of 15 USC 1681 see attachments
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 Navy federal Credit Union XX/XX/22 In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 section602 states I have the right to privacy.15USC1681 section604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
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 XXXX XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It 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 purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed an inquiry that I did not recognize nor authorize. NAVY FCU Credit Unions XX/XX/2021 XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19133
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A