Date Received: 2022-10-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The Creditor is reporting a charg-off which inaccurate information to my consumer report. The creditor has cancelled the debt and a tax write off. The IRS defines a charge off as Gross or ordinary income. Income is not reported on your consumer report. The attachments were sent via mail certified return receipt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/22 my account was hacked received a text called the bank filed a claim the bank then stated XX/XX/22 I cancelled the fraud claim and there was an investigation being done called the bank back employee stated they found my funds and should have my account back to normal in 48 hrs called the bank back now they are saying it can take 6-8 weeks my work checks are still being deposited my bills are getting behind and are being cut off I need help I have an account with navy federal credit union
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 39194
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: unlawfully garnished the accounts Financial institution for processing illegal, out-of-state garnishment orders against its my bank account. Financial institution unlawfully froze my account, garnished funds, and sent payments to fake creditors based on out-of-state garnishment fake court order. Its a fake order because it was not a judge or real court meaning being recognized by the state constitution. There is not proof that a real court order exist, a real judgement and writ of execution to collect a debt does not exist. All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. Also the program that claimed to be creditors are not listed as debt collectors and not registered with the Secretary of State of Florida to do business or to be able to collect a debt. They did not credit me anything, they have not validated any debt or given any consideration to I. XXXX will not allow a statue to be used as a cloak for fraud. Unlawful garnishment that has injured me and caused involuntary servitude. Financial institutions cooperation with corsairs ( con-artists ) at the expense of me. Also if debt can only be paid with gold and silver according to the article 1 section 10 of the u.s. constitution why did that take currency from my account. garnishments that are usually designed to make sure people have money left to live on following garnishment. Financial institution left my account balance was left to zero balance. I do not ingress in florida where the fake order was established.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76513
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is XXXX XXXX submitting this CFPB Complaint requesting to immediately remove this account from my Credit File. The Account NAVY FCU is reporting on my personal credit file with XXXX and XXXX credit reporting agencies. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened:XX/XX/2018
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I am a 100 % XXXX Veteran, who receives XXXX every month. A few years ago my current bank, Navy Federal Credit Union attempted to take I believe {$600.00} out of my checking account, when my only source of income was XXXX, for a past due credit card balance, which is now closed and sent to collections department. They took it out without any phone call, notice, or email, and I immediately called them and told them they can not touch those funds, and they returned said funds within the hour. I started working in XXXX of this year, XXXX, and they must have been monitoring my account at all times because once they saw that I was working and my deposits were coming in and they weren't labeled as from the " VA '' or dissability, I guess they took that as they can now start taking money, no matter the date, no matter what is happening in my life, whether or not I'm a single dad with a XXXX year old daughter, but they started taking my money. First they took XXXX straight out of savings, and they said it was for said past credit card balance. I assumed they only took it because they saw that it was in my savings. This was in XXXX, XXXX I believe. Next was on XX/XX/XXXX and XX/XX/XXXX, first taking XXXX followed by XXXX, and the latter was taken out literally the same minute that my deposit hit. Again, no phone call, notice, email, or anything. A couple weeks later I had to leave said job, and am now unable to pay my bills, that was money I saved in my checking account and knew I would be leaving that job, and looking for a new one, closer to home. Not only do I believe they should not take someones entire check from them, nor half of a check, but I don't understand how one can legally and without a doubt know that the money they are taking is not XXXX funds, when those work deposits shared an exact checking account with where my dissablity got sent to. How do they know that every dollar they transfered was not at all dissability funds when they are " mixed '' together once it's in the account. Once a deposit hit or dissablity was transfered into that account, bills had to be paid, groceries bought, etc. so how can they possibly know where I allocate my money and what they are taking. I don't believe that's possible. Again, Not only that, how can they take so much, not care or know that the person is going to be jobless soon, and needs every dollar that they were saving. Now I can not pay bills, buy gas, etc. for the rest of this month. I have reached out to numerous lawyers all saying the same thing, this is not something they deal with. I have even contacted the veterans emergency line and they were of no help also. I really need that " cushion '' right now especially since I don't have a new job yet. I don't know how they can differentiate since it's shared with an account where XXXX was deposited into, and also, how is the amount they chose to take not against any law or act, having to do with not only veterans, but consumer protection. I need someone to tell me that they have to return some if not all, please if you can help. I am out of options. Again, this account is closed, sent to collections, I paid for this with a credit score downfall, This is what Navy Federal will not tell their clients, this is what they won't show on their commercials and adds. I am planning on taking them to small claims and explaining all of this to a judge, I have to try. I don't see how that is fair.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Problem with customer service
Subissue:
Consumer Complaint: In XX/XX/XXXX i submitted an inquiry to the irs as I had failed to receive my round 2 stimulus in the amount of {$600.00}. On XX/XX/XXXX of XXXX I received a reply which lead me to discover the funds were sent via direct deposit in XX/XX/XXXX to a checking account with NFCU I used on my XXXX tax return. An account which as of XX/XX/XXXX was no longer open. Instead of sending the funds back to the treasury as per my findings, so a paper check could be issued. Navy Federal diverted the funds to my savings account which while still technically active. Had not been used by me in over a year. In addition, as my contact info was not updated I did n it receive statements and my online access was non active. Navy Federal then allowed the funds to sit in my inactive savings for upwards of six months so I was informed by a representative, only to then be allocated to help satisfy a charged off credit card I have with the credit Union. When I spoke with them I did so with a good degree of understanding as far as their collection process goes. This XXXX due to my having been employed with them previously as a senior collections representative. That being said I know it is not standard procedure to divert direct deposit funds automatically to alternate accounts without speaking with the member. Especially when it comes to federal funds. I also know their collection system " XXXX XXXX '' monitors any pending deposits for members with outstanding lending products. So it was known my {$600.00} payment was coming prior to it even arriving and the diversion request made preemptively. I also know the {$600.00}! would have shown on the daily reports assigned to collections reps. So the moneys were left there intentionally but without a doubt monitored. I can only assume in anticipation of either new activity on my part. Or for enough time to pass for them to assume I'd never realize it was there. Mind you I was no longer using this account which statements show. Regardless, it never should have went to the savings in the first place. This rings of deception per my understanding of XXXX. While writing this I did attempt to pull statements to provide. Only to discover that while my savings is open, it is in a credits only status and my online access has been restricted. Per the representatives I spoke with however up to my round 2 payment being taken by NFCU the account was open and available for use. I had to request statements be mailed to my address. I do give permission for CFPB to request them for review purposes
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32514
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I have a current bank account with Navy Federal Credit Union. I had a charged-off loan from XXXX. On Tuesday, XX/XX/XXXX, {$350.00} were deducted from my primary checking account. When I called to inquire, I was told it was taken for the charged-off loan and because they saw a large deposit made in my account they decided to deduct funds. I wasn't given prior notification. I do not have a payment arrangement for a charged-off loan. The debt collection statute of limitations has passed. I want my {$350.00} back. When I asked for it to be returned, I was told they didn't have to return it and could take monies at any time even though it's charged off and I don't have to be notified.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: All alleged " loans '' are closed at signing stop violating consumer rights violating UCC and USC laws and the Treaty of Peace and Friendship 1787/ 1836 of which im a party to. NAVY FEDERAL CREDIT UNION and Agents have received due process of my dispute and have defaulted already and still have not sent me a Certificate of Satisfaction of which I DEMAND. Unconstitutional practices of these alleged banks that are financial institution are violating natural peoples rights with false and misleading documents and felonious activities of Securitization using misleading documents. We Know we are the original creditors and all alledged debt is generated of the credit of the living consumer signature in thus there is no loan and any installments are to be deposited to the original creditors of which all Corporations are Bankrupt and operating off fraud activity in no way can an alledged Financial institution under USC UCC laws charge a fee for an alleged paper draft called a promissory note. Of which this institution is in willful violation of my rights as a consumer rights and are continuing to violate my rights after i have put them on Notice and they Defaulted and failed to conduct business in a proper way. HJR 192/USC/ USC/U.S . Constitution/ State Decisis case laws/ ( violations ) and Fraud - I demand ( Remedy ) Refund And There Certificate of Participation also Certificate of Satisfaction for any alledged obligation to sent certified mail to a location on file. I am Competent they are acting in Fraud i demand Remedy and they have been Noticed. All Affidavits have been received and all evidence is recorded and ready to proceed. I demand Settlement Setoff Discharge Offset Closure and Remedy Immediately. Stop Coercion and deceit NAVY FEDERAL CREDIT UNION AND AGENTS and attempt at injuring me for enforcing my birth rights in business activity or personally will be recorded and reported for any attempts to hinder coerce deceived or hinder me or any negative activity against me or my estate in reversion will be an willful violation of my rights and is recorded in this complaint against you Agents of NAVY FEDERAL CREDIT UNION and the foreign corporate construct itself. Refund all credits to the account on file Immediately mail all documentation to the location you have on record immediately and send the Certificate of Satisfaction immediately. Remedy is Demanded immediately public and private. I demand NAVY FEDERAL CREDIT UNION and agents to DISCLOSE all credit entries created from the social security number used on this alleged loan account and all information on the private side of the books at this institution involving the social security number in use FULL DISCLOSURE IS DEMANDED. Return all proceeds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I opened the account and I wasn't told about their overdraft fee nor was I told that they will go into my account and transfer money out of one of my accounts without my prior authorization and place it into another account to recover any other fees. This is fraud and this is theft. Navy federal made my account negative because the transaction was posted to my account Last week and then Navy federal posted the money back to my account for availability so I did not know the transaction wasn't completely making me in the negative balance. But this just occurred on XXXX XXXX, and the next day on XX/XX/2022 they Fraudulently transferred my money out of my account. Send me an email with a response as well as an ACH deposit to my account for the Consumer violations within 5 days of receipt of this letter. The mailing address is XXXX XXXX XXXX XXXX Mississippi XXXX. My Location of Information is the above mailing. I have XXXX XXXX XXXX XXXX MaXXXX because that is my area of location where I work.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: on or around XX/XX/2021 a credit card was opened in my name as a result of identity theft. I have tried on several occasions to contact navy federal credit union about this fraudulent account but they ignored me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29926
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A