Date Received: 2022-11-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: There and underground as tagged criminal & corruption toward me veteran, and federal medical retirees and disable citizen, veteran. The company involved well known as unfair, favorable to me, etc. Claim to sold or stolen my home out of the hands of navy Federal Credit Union and title switched all unconsented for blind side and overthrow both me and the government, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, from my discovered there XXXX issue quick family it goes by the name XXXX XXXX both male and female and some children involved I'm making monthly payments on my home they sent me some documents saying it was sold and wanted to give me a token and not pay me for the property value he has a total value of {$210000.00} and they want to send me a company mug and said the home is paid off and I'm still making payments now that I get my investment out of it it appears as either white or XXXX XXXX crime towards me the XXXXXXXX male XXXXXXXX XXXX XXXX who refused to associate and have company and such a manner without information. The apartment upon your investigation I need to know the findings so I can assign a lawyer for corrective action and criminal prosecution seeking mandated and reimbursement for aggravating and harassment all over Immortals practice only at me to include wrongful Labor practice with the intent to profit off my merits and hard works earnings, their retaliation and reprisal Prejudice discrimination towards me because I handle my own business and make my judgment reduce the lack of information it was hidden the company and their family Network you've said company belittle me of my status as a XXXX citizen and a XXXX of the land of the law it appears they're looking for a movie in ready living free I refuse to roll forward on such illegal activities practice and rehearsal from that company and family the information has been blocked from the screen or the XXXX XXXX I'm here to help and assist for conviction and relief retro my address is as follows, XXXX XXXX XXXX XXXX XXXX Texas XXXX, and I am living remotely out of my vehicle because of their XXXX business help me on the flea ... I can be reachable at XXXX or e.mail both of the two.. Bills of rights involved violations out intents for harm and discomfort.. I look forward for a verbal feedback as soon as possible. XXXX XXXX XXXXXXXX,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: XXXX XXXX XXXXXXXX my card was taken and had an amount off {$600.00} withdrawn from my account without my consent I was unaware of it and the said person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like to press charges and distpute this event money owed before account bring closed is around - {$240.00} or so to Navy Fed Credit Union. I have no access to this card or account and have not since XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the IRS is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a XXXX! XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.I DEMAND YOU REMOVE the following information from my consumer reports immediately ; Navy Federal XXXX XXXX opened XX/XX/XXXX for {$1100.00}, Navy Federal XXXX XXXX opened XX/XX/XXXX for {$27000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 38637
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account has been unlawfully restricted. I tried multiple times to get this matter resolved and I have been unsuccessful in doing so. I've done everything required including provide all the proper documentation and I have not received an explanation or anything stating when my funds will be released. This is unlawful and illegal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70785
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: After, receiving an invitation, and being eligible to apply for a NAVY FEDERAL personal checking account. On XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602. The purpose of this consumer credit transaction was to obtain a personal checking account on NAVY FEDERAL. I filled out the form online, and provided every document required. I was immediately approved for a new personal checking account. Throughout the year I enjoyed my personal checking account and remained in great relations with NAVY FEDERAL, but due to being a victim of identity theft and a part of XXXX, XXXX XXXX, and XXXX XXXX breach. My NAVY FEDERAL ACCOUNTS were hacked, and information was stolen and used for multiple fraudulent charges. NAVY FEDERAL was aware of the fraudulent charges and decided to issue me Provisionals credit for each transaction that was unauthorized. Moving forward I decided I could not bear the pain of Navy Federal mishandling my personal information, and by letting unauthorized charges continue to occur on my account. I was also told a fraudulent charge was authorized by me, due to a wet signature, as if any random person cant sign my John DOE. I was uncomfortable with continuing business with navy federal credit union. I beg and plead with navy federal to close the account, due to the fact my personal information was constantly getting hacked and used. A representative from NAVY FEDERAL pressured me into not closing the account she threatens me with saying I will not get approved for any future accounts by NAVY FEDERAL. As I took the representative advice once again my account was hacked, and NAVY FEDERAL failed to protect me as a consumer. Navy Federal finally agreed to close the checking account with a {$0.00} dollar balance. the company also agreed to issue out the original deposit for each transaction not approved. On XX/XX/2022 I received a threaten letter in which stated, I the consumer was a liar, and responsible for all charges, and ALL charges will be reversed. Navy Federal is running my credit reputation by reporting a balance of {$1100.00} dollars in which, is not owed. Navy Federal did not follow their agreement in protecting me as a consumer, while willing knowing Im not responsible for any fraudulent charges. NO consumer is responsible for fraudulent charges that is unauthorized by the consumer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a Navy Federal Credit Union Account about XXXX XXXX ago. I also used it to start an AUTO BILL PAY for my XXXX XXXX XXXX. So the XXXX auto debit was suppose to taken out on XX/XX/2022. XXXX text me on my cellphone on XX/XX/2022, that the {$210.00} was successfully debited from Navy Federal Credit Union checking account. Now I am being told today by XXXX that XXXX DIDN'T RECEIVE THE {$210.00} AND I STILL OWE THE {$210.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I LIVE IN THE XXXX XXXX, XXXX. WHICH IS FULL OF XXXX XXXX THEY ARE MESSING WITH ME AND MANY SENIOR CITIZENS HERE. EVERY XXXX WHEN GOVERNMENT BENEFITS COME OUT, THE SENIOR CITIZENS HERE IN THE XXXX, AND XXXX HAVE A Stung OF WAR WITH THE XXXX XXXX, WHETHER IT'S YOUR FAMILY, ASSOCIATES, OR STRANGERS. COULD YOU PLEASE ASK NAVY FEDERAL CREDIT UNION TO STOP ALLOWING SENIORS TO BE ROBBED? I AM NOT STAYING WITH NAVY FEDERAL CREDIT UNION.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I've filed a dispute with XXXX XXXX credit card company where I have been XXXX in the XXXX XXXX XXXX XXXXXXXX since XX/XX/XXXX serving a XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX. Where I am housed at the XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, OK XXXX and my XXXX number is XXXX. I looked on my credit report, I seen a account from XXXX XXXX that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in prison, with a copy of my XXXX XXXX Identification with my Social security card. which could've all been verified by the XXXX XXXX XXXX had this company did a proper investigation into this matter. Where they never responded to my dispute letter mailed back in XX/XX/XXXX. First of all for these reasons if I have been XXXX for the past XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 745XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C1681 section 602 A. States i have a right to privacy.15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. Federal Law overrides any company policy. NAVY FCU account number XXXX NAVY FCU account number XXXX NAVY FCU account number XXXX XXXX account number XXXX XXXX XXXXXXXX account number XXXX XXXX account number XXXX XXXXN account number XXXX XXXX account number XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX BANK XXXX XXXX A ) account number XXXX XXXX account number XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Several attempts have been made to resolve this matter. This account was apparently established in XXXX XXXX when I was XXXX in XXXX and XXXX XXXX It has continued too be reported on my credit report for the last 9-10 years. I have sent registered mail asking to validate the debt through a final demand which stated, Final demand to immediately remove all illegalTradelines before legal actions proceed under XXXX XXXX. XXXX. Registered mail was finally sent XXXX and XXXX on XXXX XX/XX/XXXX asking to Please remove from all three reporting agencies immediately. In addition, a formal request was made in the form of a formal letter -formally requesting that they validate all tradeline listings submitted to the three major credit reporting agencies by XXXX XXXX XXXX XXXX for me under account numbers XXXX and that Due to possible inaccuracies in these credit reports, I demand that they hereby validate the request in the form of a verified statement by a person with original knowledge of the debt, who can testify under oath that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have beenpayable or reported. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. This is the third and final request to correct, any attempt to subrogate this letter or processes consults malice intent and will be reported as fraudulent and misleading. Within 30 days of this notice, ( no replies were given by competent person ) nor was there any answers to these demands or the associated negative tradelines notations removed from the credit reports. These actions are contraindicate evidence of their intent to abridge one or more civil rights. They have Continued unsubstantiated reporting of possible inaccuracies to third parties which now provide a basis for formal complaints being filed pursuant to federal statute. The time frame as elapsed and i have been adversely and financially impacted with false reporting of tradelines and believe this was also reported as a profit and loss tax deduction. Thank you in advance for your anticipated cooperation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98032
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I currently am paying a loan on a XXXX XXXX XXXX XXXX initially financed through XXXX XXXX, started in like XXXX. I refinanced the vehicle with Navy Federal Credit Union in XXXX. On my consumer credit report I am being rejected for financing for my business and personal self due to inaccurate information reported. While I have disputed it multiple times it has been to no avail. The timeframe being reported by XXXX XXXX as late payments are inaccurate as they received a check in hand in person at a XXXXXXXX XXXX location as instructed paying the vehicle in full and were to release the title and or lien to Navy Federal Credit Union. While I initially got a low rate for my vehicle with NFCU for monthly payments that rate quickly skyrocketed because NFCU did not have the tile ot lien to vehicle which XXXX XXXX keeps alleging they sent directly to XXXX XXXX. Ive tried numerous times with failed attempts to resolve this and have continued to faithfully pay off my loan however why am I paying on a vehicle in which both companies are saying they do not hold title nor lien for? My finance charges increased because of it. I'd like this matter fixed and some type of resolution for this issue. My consumer credit report has taken hard hits due to the negative reporting and it even caused me to lose out on thousands because initially NFCU approved me with a pre approval check for a work vehicle that they quickly rescinded while I was in the dealership signing contracts for it. My consumer rights I am sure are being violated in more ways than one by one or both of these banking institutions and I have decided to take this matter up a level in hopes to resolve it. I hope to hear back soon. My vehicle was over XXXX when loan started with XXXX it was at about XXXX plus when refinanced with NFCU it is now paid down to about XXXX and yet no title or lien it also caused me to have to pay way more money when going to dealership to get vehicle sticker as both companies deny having title to vehicle. While NFCU is receiving payments as lien holder I have no documentation in support and am being charged more over a missing title which was to be exchanged between the two banks. I have neither missed any payments nor been late on any payments and to have such negative activity reported has caused my family and I great loss as a consumer. Of course the check proof would be perfect evidence of the time chase recieved it from me as payment from NFCU and an actual title on hand would be all the evidence all parties need for resolve but none can be provided. I also reached out to chase several more times on recorded line where they had other issues on my credit with errors that they had since corrected and then this one pops up years later and they refuse to properly investigate it or provide supporting proof.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A