Date Received: 2022-10-12
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: XX/XX/2021 the first report was filed with the CFPB with no resolution. Since then my credit. has been effected and I have. been discriminated against due to the inaccurate reports. XXXX XXXX. Actual damages have occurred related to NFCU tarnishing my reputation. They are reporting transactions and experiences to the credit bureaus where permission was not granted. This is my private information. Multiple letters, phone calls and messages have been sent to XXXX, transition XXXX and Navy Federal Credit Union. NAVY FEDERAL CREDIT UNION is giving false and innacurate information that is private between both parties. As. per 15 usc 1681 ( 2 ) ( a ) ( i ) exclusions- report containing information solely as to transactions or experiences between the consumer and the person making the report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In addition, I, XXXX XXXX, consumer, aware that its not one law where its required to report my credit card utilization. This is officially notice to Navy Federal Credit Union to respect my privacy rights as a member, customer, and consumer to honor my request in regards of this notice to Opt out of Reporting timing of payments and Utilization. Thank you, best regards. XXXX XXXX ALL RIGHTS RESERVED XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone opened up an account at Navy Federal Credit union on XX/XX/2022 in my name with all my personal information. I started receiving emails from Navy Federal and I was deleting them until I received one that says member to member transfer. So I called the bank and requested that someone stole my identity cause I do not have an account that this bank. The lady looked up all my information and stated it was identity theft. She told me that it will be reported aand closed and I needed to contact all 3 credit bureaus and Social Security Administration. The last email i received : You added a new Member-to-Member transfer recipient to your account. Now you can instantly send money to : Name : XXXX XXXX, I o not know that person and Please investigate this fraud. The lady stated thatbthe accoount would be closed and Investigated. So then on XX/XX/2022 I received an overdraft statement from Navy Federal due to the account being overdrfted by {$95.00}. Then XXXX XXXX XXXX Ireceived a bank statement. If this account was. Closed ad investigated last month why am I still receving all this information. So apparently its an inside raud job with Navy Federal Credit Union. Itried to contact Navyy Federal once again and gott no response from them. This is eallyy a serious matter and I need it to be investigate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/XXXX Navy Federal confiscated $ XXXX out of my checking account due to a minor checking account I was associated with with my daughter. My daughter and other branch member have contacted the bank and have made them aware of the wrongfully inputted info and have waited the QUOTED 15 days for the dispute/security department to investigate the matter and they have not returned with an answer. This process has called me stress in trying to figure out how to suffice for income loss.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hard Inquiry NAVY FCU XX/XX/22 XXXX XXXX XXXX XXXXXX/XX/22 I did not apply to either company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Navy Federal Credit Union has removed and blocked my access to the closed credit card in my name. They have blocked/removed my access to see statements and transactions, regardless of the balance due, and refuse to provide access to statements in order to use them as proof of unauthorized activity or to dispute charges. All statements prior to XX/XX/2021 are deleted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 666XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX of this year my entire family got XXXX. Because our kids were very sick too. My wife and I were out of work for weeks. My entire family wasn't back to work/school until the middle of XXXX. In XXXX of 2022 we applied for the XXXX program to help us pay for our mortgage payment. We were told back in XXXX of 2022 that we were in the last stage of our application. But when XXXX came and we had not heard anything from the XXXX. We decided to find out what was holding up the application. We found out that XXXX sent a form over to our mortgage lender on XX/XX/2022. Our mortgage lender never received that email. After spending three full days trying to get both side to communicate. My mortgage lender finally wrote an email to XXXX on our behalf asking them to resend the email. On XX/XX/2022 XXXX resent the email and my lender confirmed that they received it. And the lender filled the form out and sent it back to XXXX that same day. My lender states that they were verbally told that we had been approved. And that they even told my lender a dollar amount. My family and I had been paying our mortgage loan biweekly for a few months now expecting the XXXX to start any day. On XX/XX/XXXX our mortgage went 30 day pass due for the first time ever. And I do believe that it is not fair or legal. Not only did my wife and I have a payment arrangement with our mortgage lender to pay ever two week. They were also fully aware of the XXXX miscommunication because of us, If my wife and I had not decided to make any attempt to solve the hold up, we could have been stuck in limbo forever. P.S it is XX/XX/XXXX and we still have not received any help from the XXXX program. We applied in XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This matter arises out of a consumer credit transaction with NAVY FEDERAL CREDIT UNION in which I am demanding that you cease and desist from disclosing my nonpublic personal information to all nonaffiliated third parties which includes XXXX, XXXX, & XXXX. As the law states, 15 USC 6801 ( a ), Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. NAVY FEDERAL CREDIT UNION does not have my consent to share my nonpublic personal information and if there is any disclosure in your agreement giving you that option to share my nonpublic personal information, I request that you show me in the same agreement where you provide me the option to opt out of sharing my nonpublic personal information. Pursuant to 15 USC 6802 ( a ), a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. As 15 USC 6802 ( b ) states, Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. NAVY FEDERAL CREDIT UNION, your financial institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX, XXXX XXXX XXXX ) without giving me the opportunity to direct that such information not be disclosed to those third parties above. You have infringed upon my right to privacy and violated federal laws.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
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: Navy Federal Credit Union Billing Error Dispute CFPB Account Number : XXXX I have reasonable cause to believe that I have been extorted! NAVY FEDERAL CREDIT UNION is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. I have put NAVY FEDERAL CREDIT UNION, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX on notice on XX/XX/2022 and XX/XX/2022 via United States Postal Service Certified tracking service mail, that account # XXXX is a billing error. The erroneously billing statement shows that a computated billing statement has an error. Pursuant to section 1666 of title 15 under the terms of the Fair Credit Billing act, the bank as the creditor was to determined the validity of the debt in question as well as refund the credit balance in good faith to the cardholder. Fair Credit Billing Act states that a creditor may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. NAVY FEDERAL CREDIT UNION has violated this dispute by restricting my credit card account. Reporting negative inaccurate information to non-affiliated third parties without my lawful consent. NAVY FEDERAL CREDIT UNION has willfully done this with the intent to coerce repayment of extensions of credit. They have also withdrawn funds from checking account without my authorization. Upon my billing error dispute with NAVY FEDERAL CREDIT UNION and its agent ( XXXX ) XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) has breached their fiduciary duties. According to the law, NAVY FEDERAL CREDIT UNION did not respond to my dispute. NAVY FEDERAL CREDIT UNION proceeded to keep account in negative status and ignored my demands as the cardholder. Account # XXXX was never updated or accounted for billing error instead fees were charged to account and harassing phone calls, emails, and restricting of all accounts were placed. Once I put NAVY FEDERAL CREDIT UNION & agent ( s ) XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ) to clarify and rectify this matter with the banks obligations to the cardholder on this matter they have ignored my dispute. They acted in bad faith and retaliation to harm my financial reputation. I have put them on notice to exercised my rights as a consumer and disaffirmed any alleged contract with them due to the breach of their fiduciary duty. Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I have reasonable cause to believe this transaction was conducted knowingly and intentionally in bad faith. It is the purpose of TILA to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I have reasonable cause to believe the bank used their undue influence to induce me into a contract of adhesion. The bank acted in bad faith and has been unjustly enriched as a result of undue influence. The banks failure to maintain the integrity of my nonpublic personal information, my consumer credit reputation has been jeopardized due to punishment for the nonpayment of an extension of credit. Congress has also stated that unfair credit reporting undermines public confidence, which congress has made clear, is essential to the continued functioning of the banking system. I have never been explained my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties. I did not authorize, nor consent to nor would I ever knowingly consent to the furnishing of any negative information to any nonaffiliated third parties. This fraudulently furnished negative information causes a restraint of trade and commerce and violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. Any payments made on this account were a result of threat, duress, and coercion. This has been done as a retaliatory statue that NAVY FEDERAL CREDIT UNION has done this to coerce me to make payments of an alleged debt without proof of claim. I am aware that nothing under the Fair Credit Reporting Act REQUIRES a financial institution to furnish negative information to a consumer reporting agency. I DID NOT and I DO NOT consent to any negative information being disclosed to nonaffiliated third parties without my lawful authority. NAVY FEDERAL CREDIT UNION and the consumer reporting agencies ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX L.L.C. ) involved have used my nonpublic personal information without my lawful authority to bring harm to me and my financial reputation. NAVY FEDERAL CREDIT UNION along with the help of the Consumer Reporting Agencies ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ) are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for no repayment thereof. This is a violation of XXXX XXXX Code XXXX and XXXX XXXX Code XXXX and everyone involved shall be held criminally liable for engaging in racketeering activity. Chief XXXX XXXX XXXX XXXX of NAVY FEDERAL CREDIT UNION has breached fiduciary duty and failed to provide me with any documentary material certifying that I gave my lawful consent for my nonpublic personal information to be disclosed to nonaffiliated third parties. If this documentary material can not be provided, this has been fraudulently furnished information with forethought and malice as a means of bringing harm to me and my financial reputation. Pursuant to 15 USC 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. This breach of fiduciary duty would render any alleged contract or agreement with the consumer, whether implied or explicit, illegal. I have reasons to believe that Chief Financial XXXX XXXX XXXX XXXX of NAVY FEDERAL CREDIT UNION has breached his fiduciary duty and failed to provide me with authenticated documentary evidence. On XX/XX/2022 XXXX XXXX XXXX sent via XXXX XXXX XXXX XXXX documents that did not provide my indebtedness unauthenticated documents. NAVY FEDERAL CREDIT UNION has caused stress and duress in ordinance of this matter at hand.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I filed a complaint against XXXX XXXX XXXX for {$290.00} and {$89.00} because they charged me for work not rendered. Of course, due to other issues I am having with NFCU surrounding overdrafts and overdraft fees, Non-sufficient funds and associated fees, Late or other fees and Bounced checks or returned payments - NFCU of course, sided with the merchant ; stating that 'no error occurred ' and reversed the credit applied to my debt card resulting in more fees. XXXX XXXX, Senior Investigator with the DMV 's Compliance Enforcement Division ( CED ) can confirm that Quality Auto Services charged me for services not rendered. XXXX XXXX visited XXXX XXXX XXXX and obtained copies of invoices : XXXX and XXXX and told me to take my vehicle back over to XXXX XXXX XXXX to have them put in Spark Plus and Ignition coils that were not put in there before. NFCU claims there was no error however the decision was implicit bias and retaliatory - NFCU did not carry out any investigation to come to that conclusion. If NFCU would have actually investigated the matter they would have concluded that I was charged for services not rendered. On XX/XX/2022, I was given invoice XXXX which showed XXXX XXXX XXXX fixing the misdemeanor error ; after the DMV investigated and concluded they charged me for services not rendered and needed to actually fix my vehicle.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89166
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A