Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT In accordance with The Fair Credit Reporting Act this creditor has violated my Federally Protected Consumer rights. Per 15 USC 1681b Permissble Purposes 604a section 2 - states any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) CLEARLY STATES : in accordance with the written instructions of the consumer in which whom it relates. ( violation # 1 ) Under 15 USC 1681 602 ( a ) STATES : Accuracy and fairness of credit reporting.The Congress makes the following findings : ( 4 ) STATES : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. UNDER : Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ) Conditions of disclosure : STATES No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be -- ( VIOLATION # 2 ) 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ;
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: When I checked my Navy Federal Credit Union account on XX/XX/2023, {$7500.00} was gone from my account. I noticed XXXX transfers of {$3300.00} and {$4100.00} that were recorded on XX/XX/2023. I was not an active participant in either of these transfers. All transactions that occurred on XX/XX/2023 were done without my knowledge nor consent. I also noticed a XXXX account which was the recipient of the scam money. The exact name of the scam account is XXXX XXXX XXXX. The checking number of the scam account is XXXX. This account should be frozen and investigated for online scams and possible hacking. At least {$7500.00} should be reversed from the Navy Federal Credit Union account XXXX. The most likely physical address of the scammer is XXXX XXXX XXXX XXXXXXXX XXXX SC XXXXXXXX. XXXXXXXX XXXX XXXXXXXX of the same street are other likely addresses.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: To whom this may concern, I would like to express my feelings regarding a recent experience I had while disputing a fraudulent transaction on my account. I value the services provided by Navy Federal Credit Union. I have had a horrible interactions with your team so far. I'm a new member to Navy Federal Credit Union. However, my recent encounter left me feeling unsettled. My XXXX Account was compromised, due to being scammed. My Son is in XXXX School he ordered books because he's taking XXXX XXXX courses, he's learning how to speak XXXX language. A school friend of his is of the XXXX culture the young man referred my son to a seller who sold the XXXX XXXX books, ''So we thought ''. To make it easier for him to learn their language. XXXX language is very hard to learn. He thought ordering the books from the actual country would be a great experience not to mention his school friend is from XXXX mainland. The Seller scammed us and sent a XXXX non- working XXXX Tracking Number that never worked. The Scammer compromised my XXXX account and was able to remote into my personal computer. I'm so XXXX that I had to go through all this XXXX. I work hard for my money!! When I reported the fraudulent transaction, I anticipated a straightforward resolution process. Unfortunately, the level of interrogation and XXXX Discrimination I experienced was horrendous XXXX of the male supervisor referred to me as '' '' you people '' ''? What does you people mean? I experienced horrible XXXX during the investigation was both unexpected and very uncomfortable this horrible experience has left me riddle with XXXX and triggered my XXXX. I understand the need for thorough investigations to protect both the institution and its members, but the tone and approach used in my case felt invasive. As a new and loyal member of Navy Federal Credit Union I believe in the values of transparency and cooperation. While I recognize the importance of security measures, I would appreciate a more empathetic and supportive approach during such sensitive situations and Stop the XXXX profiling.I believe it is crucial for the member to feel heard and understood regardless of the XXXX of their skin especially when navigating the distressing experience of dealing with fraud. I kindly request that Navy Federal Credit Union revisits its dispute resolution process and considers incorporating a more member-friendly approach. This could include clearer communication, a more streamlined process, and additional support for members of all cultures regardless of the XXXX of your skin during investigations. I value my relationship with the Navy Federal Credit Union and trust that my concerns will be taken into consideration. I believe that by enhancing my dispute resolution experience, Navy Federal Credit Union can continue to provide the excellent service that has made me a dedicated member. Thank you for your attention to this matter. I look forward to a positive and constructive resolution. Regards. Please refund me my monies {$230.00} that was stolen from me. Navy Federal Credit Union needs a Diversity Team streamline. Being racially discriminated against left me riddle with XXXX and trigger my XXXX. Because I felt like Navy Federal was working with the scammers against the member. I provided every documentation that Navy Federal credit union asked me to provide for this fraud case, invoices, my messages to the seller via XXXX, A letter from the computer Guy expressing to Navy Federal credit union how my XXXX account had become Compromised. I also provided the fake XXXX tracking number. I've done all I can. But to be racially discriminated against in any situation is horrible to say the least. Unethical and very unprofessional.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the Fair Credit reporting act the following creditors violated my rights under the 15 USC 1681 section 6 o 2 states " I have a right to privacy ( 15 USC 1681 section 604 states a consumer can not furnish an account without my written instructions under 15 USC 166b, my XXXX account, XXXX XXXX XXXX, XXXX XXXX, and Navy Federal. Looking to have it reflect correctly on my XXXX, XXXX and XXXX account. Under the FDCPA, a debt collector may not call any person repeatedly or continuously with the intent to annoy, abuse, or harass them. I received multiple calls from XXXX demanding payment from a debt that is now in a charge off state, I need the following accounts removed from my credit asap, because I have every right to fair treatment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Report Number : XXXX Date Ready : XX/XX/XXXX Source : XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX NAVY FEDERAL CR UNION ACCOUNT # XXXX NAVY FEDERAL CR UNION ACCOUNT # XXXX These accounts are Chargeoffs, they have no scheduled due dates. Why are they being reported late every month? I demand that these accounts be deleted from my account Also These Organizations have CHARGED OFF these accounts. WHERE ARE MY 1099s RELATED TO THESE CHARGE OFFS?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I applied for a Business Account 2 times. My first application went dead because no one worked it after submitting the documents. The next application was denied due to no FEIN Letter from the IRS. Which is something you can't get immediately. The IRS services are closed until XX/XX/2024. I provided tax returns for the previous year with the Company EIN and State registration current status letter after speaking to an agent and being told that was all they needed. The Company is over 7 years old. They made it impossible to get a business account and I am a member in good standing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: On or about the end of XX/XX/2023, I reached out to Navy Federal Credit Union to discuss any potential payment plans that were offered. The first Representative I spoke to declined any availability of aid other than an extension on my payment. I reached back out to the same department ( collections ) and the next representative told me that there was in fact a program where they can offer a lowered interest and restrict the Credit card to aid in making on-time payments. i believe this represents another common issue within NFCU : it depends who you get, when you get them, and how they feel ; there is not set standard on what an XXXX will offer or suggest, just however they feel. We filled out the information pertaining to my income and my expenses, I specifically asked the representative to exclude my XXXX XXXXXXXX XXXX, he agreed to do so and submitted the application after telling me that I do qualify for the program on their end ; he also informed me that he could not even submit the application through the collections department if the system didn't pre-qualify me. on XX/XX/2023 leadership at NFCU reached a decision to decline my application. I was not informed of this decision, in any way, and left to wait it out. On XX/XX/2023 I reached back out to NFCU to check the status of my application and was told I was declined, basically due to ( paraphrased ) too much money coming in through my deposits. I asked if that was including my XXXX XXXX compensation, and I was told Yes. after questioning further on why my XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, was being used for the purpose of repayment, I was told that " it is our policy. '' I then asked to speak to a supervisor, this supervisor confirmed what the member stated and suggested I send an electronic letter to the collections department for reconsideration, to better explain my circumstance. I wrote a letter to NFCU addressing the situation, and also asked for the process of submitting a formal complaint for using my XXXX XXXXXXXX or a way to contact the supervisory board, since that is what XXXX recommends first. I was directed to call back a supervisor if I had any concerns over the decision, something I had already done. I was subsequently told that I do not have to include my XXXX XXXXXXXX in the application; however, even with me specifically asking to not include it, NFCU is using all my deposits to make a decision, which include my XXXX XXXX. I have been told to reach out to the Finacial counseling service, but after XXXX attempts resulting in me being dropped from the queue, calling back and being told " no, they are definitely still in, '' then waiting on hold again to be dropped, there is no real resolution. My XXXX XXXXXXXX compensation is reserved to rehabilitate myself after injuries incurred during my service, it should not be used as a basis for repayment of a debt other than alimony or child support. I am now almost XXXX months behind on my CC payment with a minimum of {$500.00} and change due to satisfy the previous balances, I am asking, begging for help, and being thrown away as if it could not matter less to Navy Federal. My hope was to be proactive and address my debt and worst-case scenario, file bankruptcy. in that case, no one benefits and I'm trying my hardest to avoid it. any help would be greatly appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a complaint against Navy Federal Credit Union on the basis i believe I was wrongfully denied credit this establishment. Further, I believe Navy Federal Credit Union did not follow standard protocol in reaching a decision in determining my creditworthiness. According to the letter received from Navy Federal Credit Union, Quote : " We used a credit scoring system that assigns numerical value to various items of consumer report information we consider in evaluating a member 's creditworthiness. These numerical values are based upon the results of analyses of repayment histories and behaviors of large numbers of members. This system creates a proprietary Navy Federal credit score for each credit card applicant with consumer report information on file. We did not use your credit score from a consumer reporting agency, but rather used a proprietary Navy Federal credit score in making our credit decision ... End of Quote. It essence, Navy Federal Credit Union disregarded the National Credit Rating system which is standardly used to determine U.S. citizens credit worthiness. But rather used their own discriminatory practices to deny me credit. At the time I applied for credit with Navy Federal Credit Union ; and was denied, my credit score was approximately 678. However the system Navy Federal Credit Union used rated my score at 304. Furthermore, Navy Federal Credit Union admitted that the credit score from the Nationally used credit reporting agency was not used. however, they also admitted my Navy Federal Credit Score reflects information in my consumer report. Therefore, If they did not use my National Credit Reporting consumer information, how were they able to determine their Navy Federal Credit Union score reflects information in my consumer report? These practices are discriminatory and must not be allowed to continue!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: GAVE NOTICE ON XXXX XXXX XXXX AFTER NO RESPONSE A FOLLOW UP LETTER WAS SENT XXXX XXXX XXXX DEMAND COMPANY TO CEASE AND DESIST FROM COMMUNICATING AND REPORTING OF INACCURATE, FALSE AND MISLEADING INFORMATION ABOUT ME AS IT RELATES TO AMOUNT OWED OF ALLEGED DEBT AND INACCURATE REPORTING OF LATE PAYMENT ( S ) TO CREDIT REPORTING AGENCIES PURSUANT TO 15 U.S. CODE 1681b2. ALSO REQUESTED THAT SAID COMPANY VALIDATE ALLEGED DEBT. AS OF DATE COMPANY HAS REFUSED TO COMPLY WITH REQUEST / DEMAND
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90249
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I received A refund check from Navy Federal Credit union in the amount of {$98.00}, for my escrow. During the months of XXXX and XX/XX/XXXX, I paid extra escrow in the amount of {$450.00} to cover the shortage just in case there was one. Navy stated to me that my Home owners insurance went up more. My question to Navy Federal was that if you sent me a refund check of {$98.00} Why is my monthly payment going up from {$860.00} to XXXX. The representative stated that was for my insurance. To me it does not make since. The increase is suppose to take effect on XX/XX/XXXX. If I paid the extra XXXX, and received a refund, my payments should not have gone up.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33707
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A