Date Received: 2022-10-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: company is trying to collect on an account that has already been paid. Company has also been sharing my personal information to third parties without my written consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a HELOC on XX/XX/2022 with Navy Federal Credit Union, and as soon as I was assigned a loan officer, I emailed to explain that I did not have income showing on my tax returns over the last two years due to Covid and family trauma ( I chose not to work because I was in the position to do that ), but my income ( direct deposits into my NFCU account ) from my company this year was over six figures because I went back to work. I was assured my year to date income would be considered, but after paying {$510.00} for an appraisal on XX/XX/XXXX, and after waiting 2 months since application, they sent me a denial today, XX/XX/XXXX, saying my income was insufficient because they based it solely on my last 2 years tax returns and did not even collect the information for my year to date income. I asked from the start if this would be an issue, and I have saved the emails I sent from early XXXX regarding this. I also had enough cash in my NFCU accounts to pay the full HELOC amount 3 times over, which I did not put to use on other opportunities because the advised me not to make any other investments with these funds during the HELOC processing ( steep opportunity cost here ). They did not even call or offer a lower HELOC amount, they just sent a denial letter on XXXX. After 25 years with NFCU, I'm taking my business elsewhere because I got such a run around with this, and now rates are higher so it's not worth it for me to apply somewhere else. In addition, my credit has dropped down from XXXX because of the hard credit pulls from NFCU. They are relying on technology to do the work that they need to have actual humans doing because if there were responses and real communication during this process, some kind of alternative could have likely been reached. NFCU is now unresponsive. The bottom line is that despite my full disclosure of my income situation, NFCU did not verify anything with my income before having me pay for an appraisal. I obviously would not have wasted my money if I had any idea that there was in fact an issue with everything I disclosed as soon as I was assigned a loan officer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
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: Navy federal has been reporting late payments on my Auto and personal loan after they said and sent me a letter saying that my account was in deferment and the original term of my loan was extended. But added 30 days late on all 3 credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11967
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have been sending letters to all 3 credit bureaus including you about fraudulent accounts. No one hears me when I say delete these accounts off my credit report immediately. This is XXXX submitting this report. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: In XXXXXXXX XXXX XXXX I was purchasing a car I paid {$4200.00} down to a dealer.I used my Navy Federal Credit Union Account to transfer {$4200.00} usd to another Navy Federal Credit Union Account holder Navy Federal Credit Union failed to help me recover my loses after waiting 3 months after I filled a claim.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I've sent XXXX and XXXX several dispute letters to have these hard inquiries removed from my credit report, I have not authorized these inquiries with my written consent, Section 604 15 U.S.C. 1681B
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I sent them a notice of dispute, debt validation letter and a letter of demand. Then I let them know the law says they cant collect until they resolve the dispute and there still trying to collect the debt, by telling me I still owe them and I still need to pay them by the 3rd.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2022 I completed a mortgage loan application with Navy Federal Credit Union. On XX/XX/2022 I received a credit denial notice in the mail listing excessive obligations in relation to income, delinquent past or present credit obligations and collection action or judgment listed as the reasons for denial. Pursuant to 15 USC 1681a ( k ) ( 1 ) ( B ) ( iv ) ( II ) this adverse action is a violation of my consumer rights. 15 USC 1602 ( f ) states that credit is the right granted by the creditor to a debtor to defer payment of debt or to incur debt and defer its payment.. Credit is my BIRTH RIGHT and IT CAN NOT BE DENIED!. Pursuant to 15 USC 1602 ( l ) 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. I presented my credit card for this transaction, NFCU accepted and charged my credit card, but denied me the benefits received. Though my credit card was taken and charged at the start of this transaction, Navy Federal Credit Union violated my rights as stated above and discriminated against me pursuant to 15 U.S.C. 1691 ( a ) ( 3 ). Navy Federal Credit Union has also criminally used my credit card and charged an unauthorized charge for their own benefit 15 U.S.C. 1602 ( p ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
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-681 SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY. 15-USC-681 SECTION 604-A SECTION 2 ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15-USC-1666-B STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: They say I owe a debt so I sent them a debt validation letter, notice of dispute, & letter of demand. I let them know they law states they cant attempt to collect during a dispute and they are still trying collect saying I have to pay by the XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A