Date Received: 2022-10-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Account # XXXX Has violated my rights. 15 USC 1681 section 602 A 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 with out my written instructions. XXXX. XXXX XXXXXXXX XXXX account number XXXX {$960.00XXXX XXXX XXXX XXXX number XXXX {$26000.00} XXXX & XXXX XXXX {$1100.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48234
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am simply asking you who gave you permission to report on my credit profile. Also, who gave you permission to furnish a debt without me knowing to a credit reporting agency? A credit reporting agency is a third party they do not work for you. You can simply remove the account from my credit report for you are violating my rights to privacy according to the Gramm Leech Bliley Act. Also, since you did furnish this account without my consent and reported on it every month without me knowing that is identity theft which is a felony. According to the law, it states in 18 USC 1028A ( Aggravated Identity Theft ) that whoever knowingly possess, transfer, or uses another person 's identification without their knowledge shall be sentenced to a term of imprisonment of 2 years. I am pretty sure you do not want a huge lawsuit on your hand for furnishing this debt without the two most known forms that all companies must have for a consumer to consent to XXXX or XXXX form Authorization to Disclose Information. Those are the only two forms that must be sent to me to even furnish this debt with my permission. You never offered those forms to me. Also, since you are still reporting the information without me knowing you are literally damaging my consumer report without me knowing. My consumer report took a hit because you do not care, and this caused me to miss the job that I initially had high hopes for. You are in violation of 15 USC 1692c ( b ) Which states that without prior consent to a consumer, you can not report to a consumer reporting agency. You have been doing that all along which is a felony, and that also results in identity theft. I did not give you consent, and you are still doing what you want. I demand you to remove this account from my consumer report immediately and if not then pursuant to 15 USC 1681n ( Civil liability for Willful non-compliance ) you will pay me { {$1000.00} } per damages to my consumer profile and { {$1000.00} } per violation. So, tell me who gave you the consent to report on my consumer report because it wasn't me?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
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: These accounts are not mine. Some had used my information without my knowledge to initiate these accounts. I have applied for credit and got denied due to the fraudulent accounts. I have tried to work with bureaus to resolve this issue to no avail, limited correspondence, and not in timely manner. XXXXXXXX XXXX account # XXXX Navy FCU # XXXX XXXX XXXX # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Written notification for verification of who and how this alleged debt was verified to this debt collector has been sent on the following dates : XX/XX/2022 & XX/XX/2022, with no response each time. On both occasions, a 30 day investigation period was given. This company has not been in compliance of the FCRA laws during this investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98002
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/22, I went online to find XXXX support; found the telephone number of XXXX. Called the number, the representative ( rep ) told me to download the app XXXX so that he can verify that I was the person associated with my XXXX account. I didn't know that downloading this app gave the person access to my accounts. From that moment the rep advised me that was he was sending verification codes. At that time I wasn't aware that the verification codes was actually money coming from my account via XXXX. Later I found out that since the person had access to my phone he deactivated my XXXX account. Later to be told that a text should had been sent out to verify that I was the one making the transfer. I can only assume that it was intercepted by the scammer. I never received any alerts. The amount that the scammer transferred via XXXX was {$1400.00} ; XXXX different transactions. I was advised by the rep at NFCU to change my phone number, in which I did. The fraud department has handled my fraud claim very poorly. I didn't hear anything regarding my claim as far as documents needed to support the fraudulent claim. I just so happened to log into my account XX/XX/22 and notice that there was an adjustment to my account. Call customer service and was advised that the fraud claim had been denied. Request that she transfer the call to the fraud department. I was placed on hold, when I was told that the fraud department states that they are unable to speak with me. Suggested that if I wanted to appeal the decision I go do so with online banking through a message. What type of customer service is this? Of course I asked the customer service representative questions to only hear that she is sorry and not sure of the answer. I later called back to report this incident the fraud department manager. During the call she had the phone on mute the entire time. After I go into this long spill of what happen and how frustrated this has been, there literally was a an awkward moment of silence. Then she unmutes the phone and says I am so sorry XXXX XXXX. She claimed that she will put on message on my fraud account. I just want my money back. I NEVER authorize this charges via XXXX. I questioned the manager in the fraud department what does FDIC secured mean. She states that the fraud department role is to get my money back if possible. If not, then they have the option to refuse to cover the fraudulent charges. Overall, this doesn't make sense, so what is the point of securing money in a financial institute if people can steal your money and the customer is left with dealing with this chaos. Dealing with the credit union not asking for documents when I initially filed my fraud claim has caused emotional, mental and a financial burden. Having to process someone taking money from your account and I never authorize it has been an ordeal within itself. More so the way the scammer took my money has been mind boggling to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NAVY FEDERAL IS REPORTING AN ACCOUNT BALANCE IN ACCURATE DUE TO FRAUD CHARGES BEING MADE ON THIS ACCOUNT. I HAVE NEVER BEEN 30 DAYS LATE. I REPORTED THE FRAUDULENT CHARGES TO NAVY IMMEDIATELY. BILLING ERRORS DUE TO FRAUD. I HAVE NEVER RECEIVE ANY LATE NOTICE OR BILL FOR XXXX PAYMENT. I COULD NOT HAVE BEEN LATE, I HAVE MY CREDIT CARD AUTO PAY ON. I MADE A PAYMENT. I DONT HAVE ANY LATE CHARGES OR FEES. I WAS TOLD XX/XX/2022 WILL NOT REPORT LATE, INVES, I AM NOT RESPONSIBLE FOR FRAUD CHARGES OR FRAUDULENT BALANCE. PLEASE DELETE AND REMOVE XXXX DAY LATE PAYMENT AS I HAVE NEVER BEEN LATE ON THIS ACCOUNT. THIS IS A BILLING ERROR DUE TO IDENTITY THEFT. I ASK YOU TO UPDATE MY CREDIT REPORT TO THE CREDIT BUREAUS XXXX, XXXX AND XXXX IMMEDIATELY 15 US CODE 1666 - CORRECTION OF BILLING ERRORS 15 USC 1681B- PERMISSIBLE PURPOSE OF CONSUMER REPORTS In accordance with the Fair Credit Reporting act NAVY FCU has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I am a natural person, I am a living human being, I have the rights under 15 USC 1681 NAVY FCU is govern by 15 USC 1681. They violated my rights numerous of times. I demand the accounts listed below be remove because According to 15USC 1681 : I have the rights to privacy and did not give NAVY FCU written permission to furnish these accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Under the FCRA 15 USC 1681 section 602, my rights to privacy have been violated by Navy Federal, XXXXXXXX XXXX, by putting late payments on my credit report due to improper use of my credit report.under 15 USC 166B section 2. I have written to all credit bureaus to show I did not consent to several companies pulling credit checks which is fraud such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX which were all done on XXXX XXXX. I had a deal with XXXXXXXX XXXX with no money down already approved
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: On or about XXXX of XXXX, the following unfair or deceptive act occurred ; Your company sent notice of your adverse actions that are not supported by law or written agreement, and after accepting payments for almost XXXX years at the interest rate of XXXX percent, that NFCU intended to raise the interest rate to XXXX percent if NFCU did not receive copies of the security documents already sent to you. Your agents proceeded to provide false assurances that this would not happen, and that they recognized this would be in violation of various laws and statutes because of the following : 1 ) you were sent the documents and misplaced them, 2 ) you failed to enforce the security agreement as it was written, and gave a forbearance without proper notice to not only myself, but all others like myself, in my class, 3 ) by failing to provide notice of your not perusing the effectiveness of the security agreement, and by accepting payments for almost XXXX years at the interest rate of XXXX percent, you therein waived any conscionable right to change the interest rate through your business practices, in which you established your affirmation of the XXXX interest rate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01089
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I'm being given the run around as to why my transactions are not being processed and reflecting on my account at the point of sale. I have called Navy federal credit union and is told many different stories. Please help because its causing problems with my account and all of a sudden my account is in the negative. Everyone has different stories from Customer Service, to the managers to the Branch Managers. No one is consistent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Navy federal credit union has taken overdraft fee for 2022 XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} XXXX XXXX {$20.00} My account is low because every time I think I have money they are charging me fees. Your help is greatly appreciated Sincerely XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80239
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A