Date Received: 2022-12-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On the morning of XX/XX/2022 at approximately XXXX after a week, of trying to request a letter from Navy Federal Credit Union about a PAID IN FULL letter, I was instructed that if I went to the nearest facility, which is located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX, that the letter that I requested going on a month would be at that branch. I drove to that branch on the morning of XX/XX/XXXX, at XXXX and walked in the branch and spoke with a gentleman by the name of XXXX, who stated that he was the Branch Manager. I told him why I was there, and he instructed me that he would have to sign me in and that I would have to wait for a Representative, and to take a seat in the lobby. I said well the letter should be here, its just a letter that is impeding my employment, and this was the 5th time that I have visited this branch for the letter, and numerous phone calls. Don't get me wrong I was upset due to the fact that is one particular piece of paper that I needed is impeding my employment, and have asked numerous times for it, and was told that it was at the branch, wasting gas to drive back and forth out of my way to this branch. I sat their not happy, and was having a conversation with a lady that was in the same branch of service at the same time as me, and we were just talking about " XXXX XXXX XXXX XXXX' This gentleman XXXX XXXX had the fortitude, to walk up between the lady ( another customer ) and I and start explaining to me about this particular letter, and what it was concerning, to include what the letter was about, and where is was coming from, including financial monies that was included in this particular letter. I was XXXX XXXX and XXXX I asked him was his name was and at first he told me, that he did not have to tell me what his name was, and he asked me to leave, I looked at him, and said " I want your name, and I will leave '' He stated that his name was XXXX, and that he was the Branch Manager '' I used explicit word because for him to shout my financial information in a public lobby with 40-45 people in this small branch, was uncalled for, and not professional and to me, that was illegal. You don't talk about someone's finances to the whole branch, including employees and customers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
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: In accordance with the fair credit reporting act Convergent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy Federal XXXX has violated my rights. 15 USC 1681 Section 602 Sates I have right to privacy. 15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction. 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: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 cr furnish a account without my written instructions. + 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navy Federal has reported XXXX late payments on my report. I have never been late with my bills until Covid. The CARES Act, which was signed into law on XX/XX/XXXX 2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Saturday, XX/XX/2022 XXXX XXXX XXXX XXXX Department XXXX XXXX po box XXXX, XXXX, VA XXXX XXXX -DID NOT INITIATE THE DISPUTED XXXXXXXX XXXX CHARGE OF {$500.00} after Consumer finished Document Up Load TO N.F.C.U. or START DISPUTE INVESTIGATION SINCE XX/XX/2022. This Consumer Phone N.F.C.U CONCERNING the UNAUTHORIZED XXXX XXXX XXXX CHARGE OF {$500.00} - PENDING IN CONSUMER 'S ACCOUNT WITH N.F.C.U.. This Consumer phoned N.F.C.U. Unauthorized Charges Department asked the Representative Her opinion. Her Response was it looked " QUESTIONABLE ''. CONSUMER REQUESTED THIS PENDING CHARGE BE DECLINED. REPRESENTATIVE STATED COULD NOT DECLINE WAIT TILL POST. SINCE XX/XX/XXXX, XXXX CONSUMER HAD PHONED MANY TIMES FOR N.F.C.U. UPDATES- " ALL PHONE CALL UPDATES STATED- " WAITING FOR ASSIGNMENT. '' BEEN APPROXIMENTLY 21 DAYS, N.F.C.U.CONTINUTED THIS INACTIVE PROCESSI HAS BEEN IDLE. CONSUMER BELIEVES N.F.C.U. SHOULD OF DECLINED THE XXXX CHARGE OF {$500.00} AS " QUESTIONABLE " AND AT THIS CONSUMER 'S REQUEST. .CONSUMER ATTACHED NUMBERIOUS ATTACHMENTS CONCERNING N.F.C.U. and XXXX XXXX XXXX PENDING CHARGE. XXXX XXXX HAS A FRAUDULENT BUSINESS MAILING ADDRESS. THIS CONSUMER CALCULATED COSTS AND PUNITIVE DAMAGES- ( {$500.00} PLUS A CONSUMER UNNESSARY PERSONAL LOAN, TO COVER CREDIT UNION LEFT CHECKING ACCOUNT XXXX CENTS. CONSUMER REQUESTED PUNITIVE DAMAGES OF {$50000.00} BUT SEEING THE RETURNED CERTIFIED MAIL ADDRESSED TO XXXX ADDRESS IS A PHONEY ADDRESS, UPED THE PUNITIVE DAMAGES TO {$100000.00} INSTEAD OF THE XXXX THIS FINANCIAL CRIME COULD HAVE BEEN AVOIDED BY N.F.C.U. 'S DECLINDING THE {$500.00} IN THE FIRST PLACE. C.F.P.B. 'S XXXX XXXX XXXX COMPLAINT ID : XXXX. CONSUMER UP DATED XXXX XXXX XXXX PUNITIVE DAMAGES TO {$100000.00}. DUE TO THEIR CRIMINAL FINACIAL CRIME. PLEASE REFER TO ATTACHMENTS BELOW.. .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 ~ payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my right 15usc 1671 section 602 states I have right to privacy.15 usc 1681 section 604 A section 2 : it also states a consumer right furnish an account without my written instructions. 15 usc 1666b : A creditor my not treat a payment on a credit card open-end consumer credit plan as late for any purposes.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 section 602 states : I have a right to privacy. 15 USC 1681 section 604A 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 a open end consumer credit plan for late purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23455
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter dated XX/XX/2022 from a company I never did business with or ever gave permission to call/write or contact me with any form of communication. In the letter they erroneously stated that I owed an alleged debt, I was shocked, appalled and offended by their false allegations. I don't know how they obtained my private information but i did not give it to them so as far as i am concerned that is identity theft which I will be filing a complaint with the FTC about. As for now If they can not provide me with documentary proof that I gave them written permission to obtain my non-public information then they are to Cease and Desist all their Illegal activities, this goes for all their affiliates and any XXXX XXXX that they do business with.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: 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 an account without my written instructions. 12 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A