Date Received: 2022-10-26
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On the night of XX/XX/2021 Navy Federal sent XXXX XXXX XXXX ( Tow Truck company ) to commit Grand Theft Auto at my private domicile. Unaware of what was taking place on that rainy night my tribe and myself were startled to the sounds of the assailant. Unaware of who the individual was or what was going on I for the protection and safety of my offspring domiciling within I did not intefer with what was raking place. This was after bankruptcy in a Global Pandemic after dehbilitating XXXX all of which Navy Federal was privy to and still decided to orchestrate such a heinous and egregious act against consumer/creditor and his offspring. According to congress financial institutions were warned because of this level of predatory behavior. It is a known fact that Banks can not loan money 12 USC 1431 ( b ) Navy Federal alleged that there was a debt owed; but 18 USC 8 makes it very clear that all " debts '' belong to the United States. Again the " alleged '' debt was discharged in the bankruptcy and Navy Federal was well aware of this. There was never a moment where they offered to assist and issue title at all. Instead they plotted and pirated on consumer/creditors tribe and offspring serious of unfortunate events. In additiion Navy Federal violated 12 USC 83. This repossesion affected work and our domicile duties causing a snowball effect we have yet to recover from. There was no repossesion notice furnished neither in the ordeal. Navy Federal never offerd me the Right of Recession in 15 USC 1635. Navy Federal violated the Fair Debt Collections Act, 15 USC 1692. The repossesion company never showed or issued any debt collection license. There was never any enforcable security interest under 15 USC 1692f ( XXXX ) ( A ). On the Promisary Note the Grantor a legal fiction is listed XXXX XXXX XXXX that is not consumer/creditor and is listed as the Guatuntor. NAVY FEDERAL is a corporation and can not sign and did not sign which is a violation of contract law. Equal value was supposed to presented to the agreemnet in which it was not. Consumer/Creditor Secured Crditor/ Beneficiary was taken advantage of. Upon original financing conveyance was paid upon the signature of Consumer/Creditor.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have sent Navy Federal a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. Navy Federal is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my GOD given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a 1099-c to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 424XX
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My husband and I submitted a fraudulent claim immediately after finding out his wallet had been stolen. We spoke with a NFCU representative in real time as someone was trying to use our debit card. We reported the card stolen, reviewed each fraudulent charge, and were even reassured by the representative we would get our funds back. After several phone calls and trying to follow up on our claim, we were told the claim was denied and given no information as to why they came to this decision. We attempted to escalate the issue, but were met with resistance and told there was not one person who would be able to take our call. Their " Zero Liability '' policy is grossly hypocritical to their business practices. Our money was innocently stolen from us and Navy Federal Credit Union has negligently handled business.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
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: The amount {$550.00} for a navy federal account that was hacked about 2 years ago. Ive been trying numerous to get this off my credit through navy federal and nothing had been resolved They over-drafted my checking account and credit card as well being as thought the dispute didnt get accepted/ resolved i stopped using the account all together.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23513
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Applied for credit card while I did not.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22079
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15 USC 1681 section 602, States I have a right to privaticy.15 USC 1681 section 604a Section 2. Also, states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b. A creditor may not treat a payment on a credit card account under an opened and consumer credit plan as late for any purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In XX/XX/2022 my wallet was stolen with all of my personal information including navy federal debit card. My card was used to purchase over XXXX dollars. I filed a claim with navy federal and was given a provisional credit. On XX/XX/2022 I was told the investigation was complete and was liable. I asked for the information that was used to determine this they never responded or sent anything. They went in savings and took the money back. I didnt make this purchase and need my money back ASAP.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60803
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went into Navy Federal retail bank on XX/XX/XXXX and deposited an earnest money deposit refund check from XXXX XXXX. I explained to the teller I wanted to Cash it but was not able to since it was a XXXX XXXX deposit only check. She said it would deposited and showed a receipt verifying the deposit for XX/XX/XXXX and assured it would be in my account by that date. I woke up XX/XX/XXXX to an email saying my deposit was delayed for my protection & when I called XXXX the supervisor I spoke to was nonchalant and said they would not call to verify the check and would release funds on XX/XX/XXXX although they would be able to verify sooner. This is causing my significant financial harm since I put in a contract for a new home purchase over the weekend and need to wire my earnest money to the builder. Its also going to affect the payments I have on ACH & could cause an issue with my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85281
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On or about XX/XX/2022, I opened a fraud claim with Navy Federal Credit Union XXXX XXXX NFCU XXXX ) The disputed charges range from XX/XX/2022 through XX/XX/2022, which I listed in an Annex, and explained to XXXX which lead to approximately {$15000.00} USD. Throughout my conversation with the fraud claims XXXX, I explained I was attending military field training during the dates these charges were placed on my account, and that the charges were not incurred by me. I provided sufficient proof, and evidence through my military work, and job to prove I was unable and incapable of making those charges. After XXXX returned my fraud report back to myself not in my favor, as soon as I was out of field training, I provided a letter from my military command, again confirming my training participation during the dates when the fraudulent charges were made. I provided a copy of this letter to XXXX. After seeing XXXX would not take my situation seriously, and provide evidence that they felt these charges were mine, on or about XX/XX/2022, I reported this matter as a fraud claim to the XXXX XXXX XXXX XXXX, which I also provided XXXX. As of the date of this complaint, I have not received communication from NFCU regarding this claim, despite sending official correspondence in XX/XX/2022 to their proper mailing address, conducting Emessages, and going to the bank specialists in person. As of the date of this NFCU has failed to validate the disputed charges. As of the date of this complaint, NFCU continues to report the balance of these disputed charges to all three credit reporting agenciesXXXX, XXXX, and XXXX. Any collection actions regarding this debt constitutes an attempt to collect a debt that is not legitimate, which violates federal law. Based on the above I provided XXXX officially the following : XXXX. Any assertion that I am responsible for the disputed charges is a materially false statement. XXXX. The letter from my military command confirming my training participation during the dates when the fraudulent charges were made serves as evidence that these transactions were charged fraudulently. XXXX. XXXX has a duty to investigate and validate all fraudulent charges disputed by consumers. XXXX. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), NFCU must not furnish any information relating to a consumer to any consumer reporting agency if NFCU knows or has reasonable cause to believe that the information is inaccurate. In this case, my fraud claim report, the letter from my command, and the police report serves as reasonable cause to believe that the information is inaccurate. XXXX. Under the FCRA, a person who is negligent in failing to comply with any requirement imposed by the law is liable to the consumer for all damages sustained by the consumer as a result of the failure, the costs of any successful action to enforce liability, and reasonable attorneys fees. XXXX. Therefore, I demand that you promptly remove the disputed charges from the above referenced account. If you fail to do so, I will initiate claims, XXXX XXXX under 15 U.S.C. 1681 XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28311
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I reported to my banking institution Navy Federal Credit Union in the amount of {$3200.00} I have provided all supporting documentation and they have found my claim unfounded. I desperately need your assistance because its not fair for them to just keep my money. Please help me to recover my money or at least provide me with the best course of action to take. Thanking you in advance for your cooperation with this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A