Date Received: 2022-12-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Remove all late payment status to current
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36869
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 state 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. 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: AL
Zip: 352XX
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 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.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31088
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: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: Current customer with XXXX XXXX Navy Federal Credit Union. The issue began to occur on Monday XXXX at the Navy Federal XXXX XXXX XXXX Va XXXX I initiated a question about the XXXX XXXX XXXX at the Branch. It was stated that I can not use the card at Navy Federal ( per a supervisor ), but only for store purchases. The provided information given by the Supervisor was false/misleading to my knowledge that states more available usage than store purchases. I reviewed all of the guidelines for the pre-paid card, but was given a different version. As of XXXX I have been having several issues with my account log-in with resetting my password ( for both ( personal/business ) encountering multiple failed attempts to gain access, and I feel as thou my online/mobile app sign-in attempts have been compromised by the Institution ( NFCU ). No previous issues with my userid/password information other than temporarily unavailable services. I have been banking with NFCU for years this occurrence is very unusual. Customer rights, I called NFCU customer service requesting the name of the last associate to access my account. XXXX XXXX accessed my account on XXXX ( dont recall ) speaking to this person. I feel this is a privacy violation to access my account without a probable cause, or do not recall speaking this associate. I did attempt to make an always ( never missed ) on-time payment on my credit card that was due on today XXXX. I feel as thou my account has been tampered with, and my personal privacy act rights have been violated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20110
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: Incorrect information on your report
Subissue: Account information incorrect
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 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: 34972
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a lot of closed accounts showing active. They are still reporting each month.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77082
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 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.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 778XX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I believe that this inquiry was done fraudulently because I have no knowledge of how this inquiry was made because I've never applied for anything using this Navy Federal Credit Union. I have requested for a fraud alert to be put on my credit report and hopes that this never happens again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Back in XXXX or XXXX I submitted letters to navy federal and to the three credit bureaus asking them to validate the account that was showing on my credit I asked them to send a written letter showing a signature page or any type of proof that the account was mine, it has now been five months they have not sent any type of validation or written proof to me nor to the credit bureaus and I have asked for these accounts to be removed immediately and they still remain on my credit. I have submitted several disputes and at this point I also have disputed this information with the XXXX XXXX XXXX and now along with you guys.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In the month of XX/XX/2022 Navy federal credit union credit me {$34000.00} for an auto loan which is the wrong amount and not required amount to pay, including the amount of {$12000.00} of credit card credit Therefore demanding loan amount to be dismissed and consumer violation feees to be owed to consumer ( XXXX XXXX ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A