Date Received: 2022-09-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: Navy Federal Credit Union Foundation doing business as Navy Federal Credit Union ( NFCU ) is committing fraud and white collar crimes ( extortion ) against consumers on a daily basis for a number of reasons. Regulatory provisions are being violated in criminal ways that constitute extortion and theft of identity and property. NFCU is not required to mortgage or otherwise lien property in order for Consumers to purchase or build a dwelling pursuant to 12 CFR 701.31 and 12 CFR 701.20. NFCU is also not required to use cash assets or real property to secure the purchase of a dwelling pursuant to 12 CFR 1002.2. They have been sufficiently notified and they refuse to make any accommodations as required by the Fair Housing Association as an Equal Housing Lender. NFCU has informed me on several occasions that they are not required to adhere to these regulations and that they do not provide the required service in compliance with their applicable regulations and laws. Doing business with them is also dangerous because they are a 501 ( c ) ( 3 ) organization which means they are TAKING property from people by outright fraud and extortion. If you look at the " about us '' page on their website and their Articles of Incorporation registered with the Secretary of State in VA, you will see that they are TAKING property as the language reads, and that the Foundation has no members. They are required by law to process an extension of credit without a lien, which is a money transfer for the purpose of purchasing a dwelling. NFCU is only to receive interest in the amount of a finance charge and nothing more. They are tricking people into paying them, for loans that are not at all funded by NFCU. Please see attached documents for details.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To Whom it may concern, After becoming XXXX and causing a large reduction in my work works hours I experienced some difficulty paying bills. I was less than 16 days past paying my credit VISA account XXXX. I get every other day deposits from my business ( which is also with Navy Federal ), I was a little short of paying the full bill and I had already spoken to Navy Federal about being short, so I was going to wait for a few more additional days before paying the minimum payment. Before I could pay it myself, the system automatically paid my bill for the account ending in XXXX with the available balance ; which was {$110.00} at the time. It was involuntary. When I selected that credit card, the system shows a balance of {$0.00} due. I was not able to make any further payments toward the minimum amount due after the system made a payment on my behalf. My account no longer had that message preventing me from checking my account right away and I was no longer seeing the past due notice on any of my accounts. Within the 30 days allotted before negative payments are reported to the credit bureaus, I ended up transferring money from my business account to my personal account to pay for all of my bills with Navy Federal in XXXX and then following and doing the same and paying in XXXX. When the system made a payment for me, it didnt notify me that a payment was made on my behalf, so I had no reasonable reason to call at the time to see if something had been settled correctly because the system showed that it had. I sat on the phone for hours with Representatives trying to figure out what had happened. My account no longer had that message preventing me from checking my account right away and I was no longer seeing the past due notice on any of my accounts. Unbeknownst to me, there was an {$11.00} balance that was transferred from XXXX 's minimum payment due to XXXX minimum payment. It was a consequence of the systems involuntary payment on my behalf. The communication I did receive about my account being past due was not specific about which account. I had to file a claim about a purchase on my business account which left my account in the negative. I had been receiving phone calls about it for the previous past week. My code word for both personal and business is the same. When I verified myself, and when the agent wasnt clear about which account he was calling about, I thought he was referring to the issues with my business account. In I replied that I get it every other day deposits and the account would be back in good standing in a day or so. Which my checking account was, but not my credit card ending in XXXX ( which I still had no knowledge of being 30 days late at this time ). Just recently the {$11.00} was reflected on my credit report as a derogatory late payment. My credit score has dropped XXXX points. I have not had any late payments past 30 days with you all before. I believe that this is a small misunderstanding and a mix-up and a system error on NAVY FEDERALS behalf . If Navy Federal has a system set up to make involuntary payments on consumers ' behalf, Navy Federal should also have a protocol and system set up to also ensure that consumers are clear and aware when it happens if there is a balance left over, when exactly the payment will be made so consumers can be aware of it and also provide a clear way for consumer 's to pay the remaining balance that the system leaves behind. This is a clear credit reporting ERROR that resulted from the involuntary system and I am asking if you all will submit information to the credit bureaus in an effort to remove the delinquency that resulted from an error caused by your system. I have not been more than 30 days later previously and this is incorrect information that Navy Federal is reporting this information to the credit bureaus with no regard of their consumers rights.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48080
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). If you, Navy Federal Credit Union adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. I am aware that you Navy Federal Credit Union are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I, XXXX XXXX am a natural person, consumer in commerce and I am writing this complaint to address several issues that I've encountered with NAVY FEDERAL CREDIT UNION. I have been misled by NAVY FEDERAL CREDIT UNION AND Agents thereof to think that I have received benefit for the XXXX XXXX XXXX XXXX ending in XXXX and the Business XXXX ending in XXXX. NAVY FEDERAL CREDIT UNION has failed to disclose the following : I have the right to opt out of disclosure of my nonpublic personal information being disclosed to non affiliated third parties, I extended value to the instrument with no consideration, NAVY FEDERAL CREDIT UNION received consideration and unjust enrichment from my open end consumer credit plan as defined in 15 US Code 1602 ( j ). NAVY FEDERAL CREDIT UNION has shared adverse information on my consumer report that has harmed my financial reputation, disclosed false and misleading information concerning the private consumer credit transactions, NAVY FEDERAL CREDIT UNION has continued to take adverse action against me even after I've sent notices to remove all adverse items from my consumer reports. Had I received full disclosure, I would have not entered into any agreement with NAVY FEDERAL CREDIT UNION. I did NOT knowingly and willingly agree to an unconscionable agreement. NAVY FEDERAL CREDIT UNION has conspired and restrained trade and commerce which is ILLEGAL. NAVY FEDERAL CREDIT UNION has closed and charged off both of my credit cards which is discrimination and an adverse action. NAVY FEDERAL CREDIT UNION has sent deceptive billing statements requesting payments knowing that one can not pay on a credit balance. NAVY FEDERAL CREDIT UNION has used unfair and deceptive trade practices and I am demanding removal of all adverse items on my credit file immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hard Inquiries : 1- XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX. Trying to open small business bank account. I did not authorize a credit check and did not open a small business account. 2- DEPARTMENT OF EDUCATIONXXXX was told I had to pay for class or I could not attended the school. Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX was told I had to pay for class or I could not attended the school. Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX - I did not get a vehicle. Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX -I did not get a vehicle. Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX- I am not familiar. please remove. Inquiry : XXXX XXXX, XXXX + XXXX XXXX- I did not provide my information. please remove. Reported : XXXX XXXX, XXXX NAVY FEDERAL CR UN- I did not provide my information. please remove. Reported : XXXX XXXX, XXXX I would like all inquire stated above, removed off of my credit. - Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Navy Federal Credit Union and all three credit bureaus must provide copies of any documents and any tests used to report the auto loan charge-offs. They must provide me a copy of any and all documents used as legal instruments to charge-off my account. Specifically, each of you must show, in yousr response, a copy of any and all promissory notes, including terms and conditions, used to justify placing auto loan charge-offs on my account. Note : If there are two different promissory notes, you must show them. NFCU and all three credit bureaus must address the charge-offs. The charge-offs and credit scoring must be reversed and removed from my account history and from my NFCU account, today. No frivolous responses will suffice. Justify what each of you have done, in accordance with credit reporting laws, XXXX XXXX laws on charge-offs, and all pertinent laws. Confirm whether I have been removed as a member of the NFCU.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Back in XXXX of XXXX there were over XXXX fraudulent transactions done on XXXX of the debits cards for my account. When I called the representative I gave here the name Ive the company so she could process my dispute, I was then issued a credit for {$3100.00}. In XXXX of XXXX XXXXXXXX XXXX reversed my credit leaving my account negative {$3100.00}. When I called XXXX advised me that there was one authorization transaction included which is why my claim was denied. I advised that they should listen to the call, I never asked for that transaction to be included, that was an error on behalf of the employee. XXXX then informed me I had to put in an appeal. I put the appeal in right away. I gave it 7 business days and called for an update and every time I call they say the dont have a turn around time and theres nothing they can do. This has been an extreme inconvenience for my family in I. That was my husbands whole pay check, we trusted XXXX federal with our financial needs because they claim to be for service member and there families. My husband was recently XXXX and deemed 100 % XXXX from the United States XXXX, we need the fund to serve. We look forward to your help with this matter, please contact me at your earliest convenience. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/2022 unsure of the amounts just received emails about opening a checking account. The account was created online with my information. I have no criminal knowledge
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 71457
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was never late on this paid off account please show me documentation showing proof of transactions showing where I was ever late to support youe inaccurate reporting on my account.if you can not supply this please delete alleged late payments from my credit report per 15 usc1666B a creator may not treat a payment on a credit card as a open ended consumer report plan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36869
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: This account, Ending in XXXX was on my account. I asked the credit bureaus to change the status from open to closed. They choose to delete it. When I told them what they did, they informed me Navy Federal must re-report the information. I called Navy Federal. Requested they re-report the information. They said they would not do so because I am an authorized user, not the primary holder. I do not need to see any statements regarding this account. The primary owner is XXXX XXXX, and I am an authorized, user. This account is old and under my former name XXXX XXXX. I called Navy a second time, in XX/XX/XXXX. They sent me the attached letter proving that I was on the account. They still refuse to re-report the information. This needs to be put back on my credit report. Navy Federal will not work with me, or give any information, making this impossible. This account was opened around XX/XX/XXXX, and I was removed in XX/XX/XXXX. There were no late payments in that entire time frame. Please feel free to ask Navy Federal about this account. They will tell you they can't find it but if you continue to argue they will " magically '' find it. There are plenty of notes about me calling in and requesting that they re-report it. The department I spoke to was credit card services. They sent emails to their credit specialist and were waiting for a return email. Feel free to ask to read the notes in both departments and read the emails. They are there even if Navy says they are not.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MT
Zip: 596XX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A