Date Received: 2022-11-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: Checks valued at a total of around {$15000.00} have been stolen from my mail and deposited at the Navy Federal Credit Union ATMs at XXXX XXXX XXXX in XXXX Maryland on XX/XX/2022. The endorsements are obviously false ( the thief even used his own name and made up a fake name for the company owner ). Navy Federal has refused to reimburse me, even though they gave my money to the thief, and have told me it was clearly a fraudulent deposit, and I gave them a valid police report. I have gone to the branch and spoken with a manager, and called the fraud hotline, and all have refused to take responsibility for reimbursement, even after acknowledging the fraud. They told me I would need to have the companies which originally issued the checks file a claim. One of the companies ( XXXX XXXX XXXX XXXX has done so, but the company which issued the XXXX check ( XXXX ) is unresponsive. The worst part of the situation? The thief has done this to multiple businesses, and always deposits checks at this particular Navy Federal ATM ( I was referred to other victims by the detective working the case ). The total amount stolen from the other business is over $ XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20901
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair reporting act this creditor has violated my rights. Under 15USC1681 sec 602 states I have a right to privacy. 15USC1681 sec 604A sec 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 173XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX, I received a letter from XXXX stating Navy Federal Credit Union SOLD my personal and private information to them on XX/XX/XXXX and to XXXX XXXX XXXX on XX/XX/XXXX. Which is a direct violation of my privacy. 15 U.S.C 1681 Sec 602A, states that I have the right to privacy. 15 U.S.C 1681 sec 604A Sec 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions. As a consumer and natural person, am aware of all the rights that I have which are protected by Congress under the Fair Credit Report Act ( FCRA ). Navy Federal Credit claims I owed them {$7300.00}, I have challenged and disputed the accuracy, compliance, and reportability of this listing multiple times, however, they failed to investigate and validate this debt and continued to report the erroneous account to the credit bureaus which is a violation under 15 U.S.C 1692 ( g ) Section 809 ( b ) My personal and private information was obtained and SOLD to other organizations as well such as XXXX, XXXX, and XXXX, which I did not grant. I was not notified that this information was being provided to the highest bidders.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77084
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: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: XXXX XXXX XXXXXXXX XXXX started withdrawing almost XXXX dollars from each of my paychecks starting XX/XX/2022 which made it really hard my family and I to survive and pay bills. I traveled from Hawaii to XXXX XXXX and was authorized to use the XXXX XXXX XXXX XXXX XXXX ). What happened is that they forgot to process my XXXX paper work from my last command in Hawaii. So for months ( while on deployment ) I was waiting for the money to be reimburse to me so I can pay off my XXXX. Unfortunately, that never happened and they started taking that amount from me each paycheck. So with this going on I'm behind in credit card bills, car notes, phone bills etc etc.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92124
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I, XXXX XXXX XXXX XXXX, a natural person, am competent and of age with facts regarding the transaction herein stated, and I am currently under XXXX XXXX XXXX XXXX from NAVY FEDERAL CREDIT UNION, I affirm and state that the following are true complete and accurate to the best of my abilities and do declare the following : 1. On XX/XX/XXXX I sent a Billing error notice and refusal to pay, certified mail return receipt requested ( see EXHIBIT XXXX AND XXXX ) and requested explanation for the erroneous misrepresentation on the statement ; 2. On XX/XX/XXXX XXXX issued Report # XXXX for XX/XX/XXXX ( SEE EXHIBIT XXXX ) claiming that The item remained unchanged from processing my dispute. This is a violation because the item failed to show that they were dispute at that time ; 3. On XXXX XXXX XXXX issued Report # XXXX for XX/XX/XXXX ( SEE EXHIBIT XXXX ) which appeared to show adverse information regarding the amounts previously refused due to irregular billing practices. The account still was not updated to show that I disputed the information until after the adverse information had been added. 4. As of XX/XX/XXXX NAVY FEDERAL CREDIT UNION has violated my privacy and used XXXX like tactics to violate the integrity o my information, ignoring request to only communicate about my account via the U.S. mail to avoid any misunderstandings the company has ignored requests from my Attorney General Office and when I asked them to clarify what type of balance, they never tell me, it is my opinion and belief this balance is a credit balance and I have asked for refund but did not receive any valid response. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on XX/XX/XXXX /s/ XXXX XXXX XXXX XXXX XXXX XXXX natural person.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Under 15 USC 1691e3, a consumer which is me is not allowed to be denied of their own extension of credit. I feel discriminated and violated of my rights from being denied based on my background.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22406
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Account are closed due to fraud and unable to open new account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
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: Ive paid my credit card off in full also my business account over XXXX total Navy federal took my money and did not mail my the credits checks promised to me .Ive failed police reports and CFPB and ftc and affavidits Ive sent to them over several months ago.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06451
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
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: Navy Federal credit card from 2015 has been charged off and company refuses to remove from credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I informed the company to stop and decease the constant calling they start from XXXX till XXXX. My history in my phone only goes back to XX/XX/XXXX all the way through till XX/XX/XXXX. I do have them blocked but they somehow get through to my voicemail.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A