Date Received: 2023-12-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING INQUIRIES AND ACCOUNTS : XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. I understand that knowingly making any false statements to the government may violate federal, state, or local XXXX statutes, and may result in a fine, imprisonment, or both. Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. I am aware that some businesses might request that you also file a report with your local police. Form SSA-89 was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I purchased an air conditioning unit from XXXX XXXX, which was advertised as brand new. Upon receipt, the unit was found to be defective, with missing components and a significant leak that nearly caused a fire hazard. Given the condition of the product, it failed to meet the advertised specifications and expectations of a new, functioning unit. After discovering the defects, I attempted to return the product and obtain a refund from XXXX XXXX. My requests were consistently ignored, and XXXX XXXX refused to accept the return or issue a refund. In response, I filed a dispute with Navy Federal Credit Union in early XXXX, expecting them to assist in resolving this issue. Despite providing substantial evidence of the product 's defects and the merchant 's refusal to process a refund, Navy Federal sided with the merchant. The dispute was not about the amount charged but about receiving a defective and potentially hazardous product, which was not as advertised. Despite acknowledging the unsatisfactory quality of the product, Navy Federal cited the reason for denial as : " The amount debited by the merchant was agreed upon when services were received. While we understand that the quality of services rendered was unsatisfactory, services were performed and paid for, and there is no record of service cancellation ; therefore, we have no recourse within the dispute process to pursue this matter further. '' This response does not address the core issue of receiving a defective product. Additionally, their suggestion to resolve the matter directly with the merchant is unfeasible, as my attempts to do so were already met with refusal. After requesting an additional review, Navy Federal responded with : " the merchant 's bank has successfully remedied the dispute. While we understand you are not satisfied with the outcome of your claim with XXXX, we are unable to continue to pursue the merchant on your behalf via the dispute process. We can only suggest that you continue to seek resolution directly with the merchant. '' This response disregards the fact that the merchant has already denied a refund, and the bank has withdrawn nearly {$400.00} from my account on XXXX XXXX, leaving me without the funds and with a defective product.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX has been reporting incorrect balance owed and credit utilization for Navy Federal Credit Union. Every time I dispute it they say their investigation says the information is accurate. I've disputed these inaccuracies at least 6 times and nothing changes.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78210
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS ACCOUNT DOESN'T BELONG TO ME!!!! Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Terminated Terminated Account Status : Open Open Monthly Payment : {$0.00} {$230.00} Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$11000.00} {$11000.00} Credit Limit : {$25000.00} {$25000.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XXXX XXXX Comments : - - Date Last Active : XX/XX/XXXXXXXX XXXXXX/XX/XXXX Date of Last Payment : XX/XX/XXXXXXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Im reporting fraud on my debit cars and the information was stolen and used to send {$1000.00} on XXXX. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navy Federal Credit Union has reported my private and non-public financial information to affiliate and non-affiliate third-parties, including but not limited to credit reporting agencies such as XXXX, XXXX and XXXX XXXX . Navy Federal Credit Union has never provided me with an adequate Notice of my right to Opt-Out of the disclosure and sharing of my personal and private information nor the required form in which I could complete and return to them pursuant to 15 USC 6802 and 16 CFR 313.7. I've requested in the past on multiple occasions for the Navy Federal Credit Union and the XXXX, XXXX and XXXX XXXX to cease reporting my private non-public information, as it is defamatory, inaccurate and an infringement on my right to privacy, but no changes have been made. Because of this unlawful and inaccurate information relating to my private affairs being reported, I have been financially harmed by being denied credit, and have suffered emotionally. I've mailed requests and electronic messages to Navy Federal to cease their reporting of my private information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX I attempted approximately XXXX times to deposit my initial paycheck via NFCU mobile app. Although the image was indeed clear, I constantly received the error message that the check could not be deposited. I wrote the mobile deposit disclaimer below my signature as instructed. Knowing that Christmas was approaching, I drove a long distance to the nearest NFCU atm to deposit the check. The ATM would not accept the check. I tried again at the next ATM, the same outcome. This experience is unfair as I am aware of several other members who have been able to utilize the ATM and mobile deposit features for amounts way larger. Additionally, the mobile deposit feature has been heavily advertised by the credit union. My check not being accepted is disparate impact and treatment. The payroll check was {$3100.00}. I also dont have any history of scams or depositing bad checks. The next day I called in late for work to walk my check in the branch around XXXX. The teller advised my funds would not be available until XX/XX/XXXX, Tuesday, the day after Christmas. She explained the Thursday would not count as a business day although I made the deposit before Thursday nights processing time. Friday morning I woke up to an email from NFCU stating my funds would be delayed an additional XXXX business days, as they had confidential information indicating the check may not be paid giving the them reasonable cause to believe the check would be uncollectible. In response, I provided my employers payroll email and phone number and corporate address for verification. I work for XXXXXXXX XXXX an in house lender for one of the largest developers on the XXXX XXXX. My new employers payroll account is with XXXX XXXX XXXXXXXX. I also explained that I am aware of several members who have never been subject to extended delayed times when making deposits. This too, is a UDAAP violation and example of disparate treatment. In typical corporate greedy fashion, the banks only response was to send me a list of their deposit policies. Screenshots corroborating my response are attached.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I was given information that NFCU has XXXX accounts on my credit report that have the same balance, same opening date, and same amount due, but different account numbers. What I have with NFCU currently is a XXXX XXXX loanXXXX XXXX XXXX XXXX checks, and XXXX savings. The XXXX loan I have with NFCU was transferred and Ive had problems with NFCU since. In additionally, I was told this is an error on NFCUs part. I request that this be corrected immediately. Ive had this problem with NFCU on another account as well and because of this and another error, I believe this is being done intentionally. Why? My first guess would be malice. NFCU deliberately placed a negative comment on my report. After extensive investigation this was not being reported to the three major credit bureaus, but to a third party which made it difficult to find out Where this was coming from, and each request for a loan from NFCU was ALWAYS rejected. Until I searched to find out why, I found this negative report given on an account that I had no late or missing payments. XXXX, I never even consider using skip a pay. This has since been corrected but it took two days of my time!. Whoever is in charge of making these deliberate errors with intent and malice reflects on how NFCU will be analyzed by potential future and existing customers, I am forwarding this request as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) regarding the denial of my dispute for fraudulent charges on my XXXX XXXX Card. On XX/XX/2023, I noticed unauthorized charges XXXX XXXX XXXX XXXX on my account. After attempting to contact NFCU XXXX XXXX XXXX XXXX to no avail, I successfully reported these fraudulent transactions to NFCU on the following business day, XX/XX/2023. Despite adhering to the timelines and providing all necessary documentation as outlined in NFCU 's Zero Liability Policy Agreement, my dispute was unjustly denied. The Zero Liability policy, as per NFCU 's formal agreement, states, " The Zero Liability policy is our commitment to get your money back, often the same day, when you're a victim of fraud. We'll investigate your fraud claim on your behalf and issue you a provisional credit. '' Similarly, XXXX XXXX XXXX XXXX policy provides protection for unauthorized transactions and emphasizes the importance of reporting suspected fraud as soon as possible. I firmly believe that NFCU 's decision to deny my dispute is in direct violation of the Zero Liability Agreements and applicable consumer protection laws. I kindly request the CFPB 's assistance in reviewing my case and ensuring that NFCU adheres to its obligations under the Zero Liability Agreements and the relevant consumer protection regulations. I appreciate your attention to this matter. Sincerely
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/2023 was XXXX XXXX bank card was loss or stolen, I reported to XXXX XXXX about the mishap, they responded that they would canceled the card and resend a new one, my mom who is also a joint account owner receivethe cards, activated both cards and keptthemin hrt possession ... .which she set up online banking and password, she managed the account, i never knew the login information, I'm a student and this was my first bank account online. On XX/XX/2023, my mother transferred {$100.00} via XXXX, to our XXXX XXXX account from her XXXX XXXX account, also on XX/XX/2023 she transferred {$650.00} via XXXX, my mother informed me that she hasn't been able to login lately, she kept getting a wrong password response ... after reaching out to XXXX XXXX several times to reset the password, they always denied access, to my mother who is a co owner of the joint account, finally we received a letter in the mail that the account was overdrawn, the only activity on the account was only 1 check for {$100.00} on XX/XX/2023 to our church, to find out later it bounced. After my mother spent hours on the phone, constantly being put on hold several times, she found out that someone had took over our complete account, changed our online sign in information, both our phone numbers, created a member to member account and reoccurring transfers, the banker asked if we knew the person, we responded absolutely no. We requested more information about the person who hacked the account to file a police report, they wouldn't give us any information on that person. Couple weeks later we received a letter stating that they didn't find any fraudulent activity, the letter also stated to call them for the reason the claim was denied, after calling and visiting the branch several times, 2 months later, we haven't received a reason for the denial yet! I didn't want to take this route, I actually found out yesterday, 3 people I spoke with had the exact same thing happened to there XXXX XXXX account, please help, I'm a teenager and this is my first bank account and this happens, I'm so disappointed, not to mention we found out they never flag the account, nor did we received verification notice or phone call when the hacker changed all of our personal information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A