Date Received: 2022-09-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On or about XX/XX/2022 and other varies dates I have reached out to NAVY FEDERAL CREDIT UNION, Requesting copies of the documents that they are using to validate the following accounts navy federal account no : XXXX reporting on XXXX XXXX and XXXX and XXXX reporting on XXXX .... I have explained to them several times that the accounts were used Fraudulently, and that I was incarcerated when all these transactions took place, I have furnished them with documents from the UNITED STATES DEPARTMENT OF JUSTICE that proves I was incarcerated at the time these transactions took place. I also furnished them with a XXXX XXXX police report and an identity thief report. I reached out to the Credit Bureaus XXXX, and XXXX, and they explained to me that Navy federal furnished them with documents validating these accounts, and that they could not provide me with them that I would have to request them from the creditor Navy federal credit union. I HAVE REACHED OUT SEVERAL TIME REQUESTING THESE DOCUMENTS. I have not received any documents validating this account. According to the law Pursuant to federal law 12 CFR 1006.34 a debt collector is required to provide a consumer who owes or allegedly owes a debt five categories of validation information.1 ) Debt collector communication disclosure 12CFR S 100.634 ( C ) ( 1 ) ; 2 ) Debt related information 12 CFS 1006.34 ( 2 ) ( i ) - ( v ) 34 ( c ) ( 2 ) ( ix ) ; 3 ) Itemization related information 12 CFR S1006.34 ( 2 ) 9vi ) ( viii ) ; 4 ) Consumer response information ( 12CFRS 1006.34 ( C ) ( 4 ). 5 ) A copy of the originial contract with my signature for this debt. I am simply requesting that NAVY FEDERAL abide by the law and furnish me with the documents that they used to validate these accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted navy federal in regards to my credit card that has a max limit of {$1600.00}. Navy Federal Reported to all credit bureaus that I had used {$2800.00} that dropped my credit XXXX points while I was trying to purchase a home.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: During the month of XX/XX/2022 Navy Federal Credit Union began to exercise a right of offset on my bank account. However in the state of Mississippi, by law, Navy Federal is required to give me 30 days notice before seizing funds from my bank account. They seized approximately {$2500.00} which was a payday loan check from another creditor. This practice of seizing funds without 30 days notice is illegal in the state of Mississippi. It may also be illegal for Navy Federal to exercise the right of offset for credit card debts if they are a federally chartered bank, which I'm not sure if they are.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have 3 hard inquiries from the month of XXXX from NAVY FCU ( Finance ). I have never given permission for them to pull my credit nor do I know this company. The dates are XX/XX/2022 ( XXXX different times ) and XX/XX/2022. When I tried calling the number listed, it goes to a recording of an invalid number " your call can not be completed at this time ''.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX is reporting multiple accounts that are closed and late payments from multiple accounts i will need this change immediate because it is hurting my funding opportunity
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Navy Federal has taken adverse action against me and has discriminated against me and closed my credit card account and also marked my consumer report as a closed account. I am asking Navy Federal to cease and desist all forms of communication including them reporting negative information onto my consumer report. Navy Federal has violated my federally protected rights and has violated my right to privacy Navy Federal can see my cease and desist letter in the attached form and remove the account completely from my consumer report as it is a form of communication per the Fair Debt Collection Practices Act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The bank had that statement since XXXX I saw it on the XX/XX/2022 and did not know I owe any debt that high and did not apply for any credit card I have made available a copy of this statement in my bank application
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33016
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2022 I applied for credit card through Navy Federal Credit Union after the application was accepted I received an approval for {$500.00} on a credit card. I immediately contacted Navy Federal due to the fact that the credit limit they placed on the accepted credit card was unfavorable to me the consumer. I was informed by agents that I must contact them through their phone app in the message center where I would receive assistance with the matter. I then contacted them through their requested medium only to get told that due to their " policy '' I only qualify for a {$500.00} credit limit. I then informed Navy Federal of the fact that credit is a right not a privilege and they must provide me with a valid explanation as to why the credit limit was such a low number. I was told that I " may apply for a credit limit increase at any time, however I must wait three months to do so or else it won't be approved '', I then sent an extensive message informing Navy Federal that I was in fact being discriminated against in which they turned around denied my claims. I for a fact know that there is no valid or specific reason to why I am being treated less favorably than other applicants due to the fact that I did not find any rule or stipulation that applies to me the consumer in Navy Federals policy. I also come from a community where close friends and associates also bank with Navy Federal and as applicants have received up to {$20000.00} credit card limits with lower credit scores, credit history, payment history and even negative factors on their consumer reports. Navy Federal claims that they are being fair but fail to provide a valid reasonable explanation for the adverse behavior towards me. My consumer reports are spotless and the company they look at to evaluate XXXX is reflecting an XXXX XXXX score. I also can't seem to understand how or why I would be treated this way as I am in fact the Original Creditor 15 U.S.C. 1602 ( g ) using my credit card 15 U.S.C. 1602 ( l ) to extend credit to Navy Federal in order to create an accepted credit card 15 U.S.C. 1602 ( m ). How can you place a limit on something that doesn't belong to you and you didn't create? This is a clear case of discrimination according to 15 U.S.C. 1691 ( a ) as I am not being considered as an applicant for exercising my rights under the consumer credit protection Act. This misconduct has caused me to be restricted in my everyday activities and being able to properly provide and take care of my family in this Hyper-inflationary period. This situation has also caused me to lose faith in Navy Federals ability as a financial institution and made me realize that no matter how dependent these financial institutions are on the American consumer they ultimately just use you for a transaction and throw you in the trash like waste. I write this in hope that my concerns are taken seriously, respected and addressed. I hope to amend our relationship and correct the previous mistakes and errors committed against me the consumer. The message confirmation number # XXXX can be used to locate and reference the conversation between myself and Navy Federal in their message folder. Attached is the screenshots of the messages and a letter that was sent demanding a reconsideration to the terms as they are unfavorable to me the consumer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This happened XX/XX/2022 a little before XXXX. Me and my husband have several accounts with Navy federal credit union a joint account together as well. We needed to make an important purchase yesterday so my husband called to increase the limit on the atm card. A representative name XXXX answered he verified all of the security questions ( keep in mind when you first call navy federal the automated system verifies if you are calling from a number on file for your account ) which was verified by the automated system and by XXXX. So XXXX said he sent a code to my husbands phone, which did not come through, he asked him to resend it, it still did not come through, he then asked for a supervisor because XXXX said he can not assist him with increasing the card limit without him receiving the code to the phone.A supervisor by the name of XXXX or XXXX not sure if its spelled right, took the call, she came in like she wasnt going to assist instead of trying to help, she say unfortunately you have to send it in writing, we tell her we have an important purchase we need to make today, all of our funds are in the account that you guys are not giving us access to, a bank we chose and trust with our funds but we get treated this way. She comes off stereotyping us saying people call in doing fraud all the time! First of all that made us feel even worse, because not only are we married, have this joint account, have a business account with yall, and personal accounts, we trust yall with our money but then get told we could be doing fraud because they get calls all the time with people saying they husband and wife doing fraud! WOW, you can only imagine how we feel. My husband asked her since the code wont come through his phone can they send it to my phone, she then said as long as she is there with you, I tell her Im right here we are together, she verified my name and date of birth, then asked me for a code word on the account. Which we do not have a code word on the account we are calling in regards of which is our joint account keep that in mind. So I said I dont recall there being a code word on the account. So my husband said a code word that could possibly be on my account ( not our joint account ) then she says well I cant move forward because he gave you the code word! Knowing that we are both on this joint account married, why wouldnt he know it if I cant remember, thats what couples do. She made every excuse why she couldnt help us and said send it in writing. We were furious, very hurt and upset to be treated that way, she came off as she didnt care or want to help us. My thing is even if people do fraud, dont come at us like we do fraud, we are very legit, in the military and have no reason to commit fraud. It was just not a good feeling and to top it off she did not increase the card limit she said she wasnt going to continue the call, she was very rude, not customer friendly and should not be s supervisor, there are ways to communicate things to members and that was not the correct way to accuse them Of doing fraud, I want an apology and some kind of corrective action for XXXX. That was insane and you can imagine how we feel in need of our own hard earned money that we could not do anything about getting it because of her, we are not happy at all, I will continue to tell my story until I get to someone who cares, I hope no one else have to experience what we went through
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76036
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I've been a member of the Navy Federal Credit Union since XXXX. On XX/XX/XXXX, I called Navy FCU to see if they could lower my interest rate of 12.94 % on my credit card since I've been consistent each month on my credit card payments. The representative who assisted me was named XXXX. She informed me she did a soft pull of my credit and the system denied my request. She was unable to inform me why stating it could be for several reasons. I was told in writing by the credit union that my credit score is XXXX and was thank for my consistent payment history. I informed them over the past few years, I've requested to have my rate lowered several times especially since I've taken all of the proper steps to increase my credit score, change my debt to ratio, and by making payments on-time. Why am I keep getting denied? The rep told me the system doesn't give them a reason. I emailed the bank several times requesting an appeal and to forward my appeal to the corporate or regional office. Each time a member responds with a vague answer such as you're not eligible at this time. I'm beginning to wonder how many others are treated like this? Is it because of my XXXX they're refusing to lower my rate?! Do they deny other races that have a credit score of XXXX or higher. What other reasons would it be for consistently denying my case?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A