Date Received: 2022-10-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: Navy Credit Union has {$10000.00} that should be returned ASAP to the sender. It was original send on XX/XX/2022. Navy Credit Union said it will take up to 240 days from XX/XX/2022. Mean while we have been send to collection. Please call me for a full discloser.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98248
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I, XXXX XXXX, consumer, demanding Navy Federal Credit Union to comply with Federal law 15 U.S. Code 1692g ( b ) - Validation of debts. In addition, demanding Navy Federal Credit Union to produce such agreement ( s ) the allege debt is arising from, If Navy Federal Credit Union can not provide such agreement ( XXXX ) Navy Federal Credit Union shall be liable under 15 U.S. Code 1692k - Civil liability. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I ( XXXX XXXX, consumer, creditor and natural person ) is enforcing The Truth And Lending Act ( TILA ) because Navy Federal Credit Union ( NFCU, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ) unlawful acts. 15 USC 1602 The term person means a naturalpersonor anorganization. I am a natural person. The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. The term creditor refers only to a person who both ( XXXX ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement. The term person means a natural person or an organization. By law I am a creditor and also a natural person, without me your organization wouldnt be able conduct a transaction to extend more credit, like a credit card for example. If I dont come to you ( organization ) and initiate a transaction you wouldnt be able to extend credit. You need my credit to extend credit. And my credit is my right. You do not have the right to discriminate against a creditor by law and pick and choose after a transaction is initiated like the one done on XX/XX/2022. I applied to receive {$99000.00} for a vehicle. You denied me a right I have by law. In the midst of the transaction that took place you committed fraud. I entered the numbers of my credit card into your application and we ( I and NFCU ) initiated a transaction that I didnt receive benefits from. That is unauthorized use The term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Im sure you know what credit card Im referring to. Also this transaction was a private transaction that had nothing to do with consumer reporting agency. Consumer reporting in voluntary and I did not consent to participate. Therefore you checking a consumer report was a violation. Nothing under adverse action give you the right to deny me my rights. I give your organization a chance to make things right by being a lawful abiding organization under ECOA, FDIC, NCUA, and CFPB and grant me my right for an extension of credit that I asked for.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48091
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: A fraudulent loan was charged to my account at Navy Federal Credit Union.They have been badgering me to pay the loan and have taken funds from my savings and checking accounts. I received an email from NCCU saying the loan check was on the way. I called the number on the email and said I never authorized it. The representative said she canceled the check and it would not be delivered. The loan is still charged to my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70433
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Identity theft victim please see attached 1. FTC report 2. Fraud Report 3. Police Report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30504
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2022 at XXXX pm. I went to try to deposit {$620.00} at Navy Federal Credit Union in XXXX XXXX Georgia. I was trying to deposit it on a XXXX XXXX. Navy Federal Credit Union ATM went along with the procedure and took my money at the end of the transaction it said couldn't be deposit returning your funds but the funds was never refunded the machine malfunction and it kept my funds. I contact XXXX XXXX about 3 to 4 times they said that was nothing they could do got to contact XXXX. XXXX telling me to contact me with XXXX so basically I'm stuck without my funds. XXXX XXXX is aware of the problem but won't contact me back and I'm not a member of XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XXXX My truck was broken into items were stolen that morning I had a police report I notified the bank XXXX was stolen out of my business account and {$1800.00} was stolen out of my personal account I told my bank at navy federal fraud has been on my accounts. It happen to be navy federal to navy federal transfer I told them I did not nor have I ever sent money to this person or have I EVER sent that much money to anyone EVER!!! They told me it wasnt there fault with no explanation or anything
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80017
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity was stolen, my cousin XXXX XXXX XXXX XXXX XX/XX/1973, brought a XXXX XXXX using my name, D.O.B and Social Security XXXX, and a Navy Federal Credit was open in my name. ( 1 ) .XXXX XXXX Account XXXX. ( 2 ). NAVY FEDERAL CR UNION Account XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31525
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your office provides me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion requests shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. I NEED THIS ACCOUNT OFF MY CREDIT REPORT ASAP. I WOULD LIKE TO HAVE THE CERTIFIED PUBLIC ACCOUNTANT SEND ME IN THE MAIL NOTARIZED WITH THE VALIDATION OF THIS DEBT
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30504
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A