Date Received: 2022-11-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: XXXX Navy Federal Credit Union Inaccurate Information XX/XX/2022 Theres two Navy Federal Credit Union accounts on my report. There should only be one account opened. I have never been able to fully open my account due to a restriction placed by XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Navy Federal is reporting to the credit bureaus that I have an outstanding debt of {$5600.00}. I received a letter from Navy Federal stating that they would settle my account for {$1900.00}. I reached out to Navy Federal Credit Union today XX/XX/2022 and I tried to make a payment of {$1900.00}. They refused to accept payment from me, they told me my account was sold. However ; there is no collection agency reporting this debt to the credit bureau. I called the collection agency XXXX to make the payment of {$1900.00} and they told me I needed to pay more although Navy Federal sent me a letter showing I only had to pay {$1900.00}. Navy Federal is reporting a debt to my credit but not accepting my payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Navy federal credit union is letting my money disappear, I filed a fraud claims and they say denied when i have had a breach .Someone is cloned my card .its letting transactions go thru at the same places, i deposit money and its gone and declines my transactios, duplicate atm transactions
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022 I was contacted by XXXX offering a job for XXXX XXXX with data collection. On XX/XX/2022 I received an atm check for purchasing supplies and sending money to suppliers, then on XXXX XXXX I deposited the check and the funds were available in my Navy Federal accounting XXXX XXXX. I was then asked to send 3 XXXX transactions of {$200.00}, {$450.00}, and {$550.00}. I am now aware that i might have been used in a fraud scam and the check deposited into my account might not even be real and the funds not actually in my account. Navy federal is a good bank but approved my check and now froze all of my assets due to a potential scam. I do see how I might have been gullible for accepting this job and not looking more into it but I firgued it is 2022 and remote work is so common and a check was sent to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46526
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I received a settlement letter via fax that acct # XXXX was to be settled for the amount of {$2400.00}. I set that payment up and it was taken from my bank account see documentation. I then never received a letter saying it was settled so I had my wife call to get XXXX, they told her they couldn't speak with her ( after I had already authorized her twice before ) I then received a notice from XXXX on XX/XX/XXXX that said my debt was sold to them and that I still owed the remaining amount on my account. I paid the settlement on XX/XX/XXXX per the agreement. ( see bank statement ) I also received a settlement letter for account XXXX with the agreement of paying {$3200.00} by XX/XX/XXXX, they didn't let me make the payment in accordance with their agreement as my account was sold on XX/XX/XXXX to XXXX. I was supposed to have until XX/XX/XXXX to make payment and they did not allow that to happen. ( see letter )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
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: Since XX/XX/2022, ( 4 ) official, registered mail notice letters have been sent out to XXXX - Federal Loan Service Provider, XXXX XXXX XXXX, XXXX, XXXX and Navy Federal Credit Union. regarding clear and factual violations of FRCA ( Fair Credit Reporting Act, 15 USC 1681a ), specifically, section 603 ( 2 ) ( A ) ( i ) ; EXCLUSIONS. All four entities mentioned have either refused to respond in writing and/or have blatantly refused to comply with the above federal statute and provision, by continuing to submit data to all three credit bureaus- XXXX, XXXX & XXXX XXXX which includes " ... transactions or experiences between the consumer/myself ) and the person making the report ( credit & loan providers/servicer ) . '' To be more specific, " ... transactions or experiences, '' include data/information, which openly discloses to the public, without implicit authorized permission granted by the consumer, 1 ) exact dollar amounts and 2 ) detailed payment history, by which my US Senator XXXX XXXX Office confirmed to me in a phone call, to wit, " ... a clear, concise and non-ambiguous categorized, textual interpretation of the FRCA, under Exclusions, as read under section 603 of the FRCA. Subsequent conference calls with each respective legal compliance of all three national consumer credit reporting bureaus confirmed that I should submit a request to all entities whom are reporting and sending this data to the credit bureaus, " THEY SHOULD CEASE AND DESIST FROM SUBMITTING SAID DATA- i.e. dollar amounts and payment history ; as part of their reporting requirements of existing, active and non-active accounts. The preceding phone call was, in fact, an admission by all three credit bureau legal compliance departments, as to their complicit, knowing and willingly cooperation, as co-conspirators towards on-going violations of section 603 of the FRCA, imposed upon every single consumer within the United States of America XXXX All three credit bureaus confirmed to me on the same call that if the data is not submitted and placed onto my consumer report, the algorithms used to generate an accurate and fair XXXX score would reveal a XXXX score between XXXX points higher than my current XXXX score. Willful, intentional and knowingly reporting dollar amounts and payment history negatively affects XXXX scoring results to reveal actual creditworthiness, which is racially prejudicial, biased and discriminatory, along with a potential violation of Data Privacy Laws and Consumer Privacy Laws, in conjunction with willful and intentional FRCA violations. Continued reporting and submission of this data by my creditors, to-date and retroactively have and continue to expose me to financial losses every single week. NFCU legal department also sent an email to me, stating, they would continue to send this data to the credit report bureaus, even as their own internal policy, under Credit Reporting, clearly stipulates, that reporting to the credit bureaus is discretionary and not mandatory requirement. NFCU effectively admitted in writing in an internal email to me through the secure e-messaging platform, they were choosing to continuing discriminating against me, even though their internal bank policy allows for discretionary, at-will treatment of issues and concerns brought to their attention. XXXX XXXX XXXX and XXXX have not responded, to-date.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Amounts on my card were charged that werent charged by me. I am trying to resolve this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am a federally protected consumer as defined under the FCRA. Navy Federal, XXXX, XXXX, and XXXX are financial institutions as defined under 15 USC 6827. None of these companies ever provided me with the adequate disclosures required by law of my rights to privacy and to opt out of sharing my non public information ( Non public information is .Any information an individual gives you to get a financial product or service ( for example, name, address, income, Social Security number, or other information on an application ) ; C any information you get about an individual from a transaction involving your financial product ( s ) or service ( s ) ( for example, the fact that an individual is your consumer or customer, account numbers, payment history, loan or deposit balances, and credit or debit card purchases ) ; or C any information you get about an individual in connection with providing a -5- financial product or service ( for example, information from court records or from a consumer report ). It is their duty to give me these disclosures clearly and conspicuously in accordance with federal law. In the case FTC XXXX XXXX XXXX further proves the above entities are financial institutions and are to comply with the disclosure requirements under GLBA. The case further stated ; The GLBA restricts the ability of a " financial institution '' to disclose NPI to a nonaffiliated third party by requiring ( subject to certain exceptions not pertinent here ) that the financial institution provide the consumer with notice of the institution 's disclosure policies and the opportunity for the consumer to " opt out '' of disclosure. Id. 6802 ( a ) - ( b ), ( e ). The GLBA further mandates that an unaffiliated third party recipient of NPI " shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. '' Id. 6802 ( c ). AS STATED BEFORE I HAVE NEVER RECEIVED THESE DISCLOSURES OF MY RIGHTS TO PRIVACY AND TO OPT OUT. THESE COMPANIES ARE EXTORTING AND COERCING COMSUMERS TO PAY ALLEGED DEBTS AND HARMING THEIR REPUTATION. Lastly, I spoke to several reps at XXXX today who claim they do not have to comply with that law, and for me to contact navy to get the information removed. When I called NFCU they told me to call the CRA to get it removed because they can not. They are all in cahoots to deceive consumers as they have been doing for decades. See the attached cease and desist to remove my information. Immediately upon receipt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX XX/XX/XXXX of XXXX I went to navy federal to see how much I owed them they told me I owed {$340.00} or $ XXXX.never did the teller say. Owed almost {$3000.00} or anything about money owed back for tax child credit. So when my son social security check was deposited into my account for {$2900.00} they took it and closed the checking account down.My son father died in XXXX so it was his back pay for XXXX and XXXX Im just beneficiarie.They never let me set up a payment plan or anything basically told me that there was nothing I could do about it.Social Security requested the money back and they closed my account.Im in distress and my son our living situation is behind because of the negligence of my bank whom I choose to trust with my finances.I really need you guys help. Social Security told me you would be my best option.sincerely XXXX and XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a secured credit card for {$1500.00} in XXXX at Navy Federal Credit Union by choice. I qualified for a unsecured card but chose to get a secured credit card. On or about XX/XX/XXXX I got XXXXXXXX XXXX XXXX XXXX XXXX and has been XXXX since. I was in good standing with my card then which was secured by my checking and savings accounts. Someone began using my card without my permission and Navy Federal switched my card from secured to unsecured and increased the amount to {$2000.00} without my consent. The card was maxed out and left unpaid. Navy Federal then put it on my credit report and that's how I found out. I contacted Navy Federal and told them I dispute it bc I never consented to switching to unsecured nor a limit increase. Navy Federal said it was in my terms and conditions when I got the card. I disagreed and asked for a copy of the term and agreements. Navy Federal has failed to produce such. Instead it has continued to make a false reporting. I also asked for a audit of my account to see if Navy Federal did a tax write-off on my account but Navy has failed to respond. I also asked for proof, date, when Navy released my security {$1500.00} back to my account and was not given such. Therefore, I can not be held responsible for anything done after {$1500.00} or after I was XXXX on XXXX XXXX. There should have never been a balance increase to {$2000.00} Navy Federal has violated several FCRA laws. The forcing of me from a secured credit card to a unsecured credit card is against the law. Those are two different contracts with different rates, restrictions, and etc. Just like the stuff XXXX XXXX did. This must stop.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A