Date Received: 2022-08-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The companies that I submitted have made inquiries on my account without my knowledge and have chosen after receiving my first complaint to leave them there due to specifics instead of verifying that it was allowed initially ; which is unlawful. 15 USC 1681 a 2 ( A ) i
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Navy Federal offered a switch to a rewards card earlier this year where I was going to get points rather than cash rewards where the cash rewards card reflected a 5.99 % interest rate based on SCRA benefit ( I signed up for the cash rewards card about XXXX or 3 months after I became an XXXX XXXX military member ). I have received a new card thinking that the same SCRA benefit would be applied to my new card since XXXX XXXX has my information in their system but it was not that case. My first attempt to get the benefit applied began at the end of XXXX of this year to which no one responded. My second attempt happened on the phone in XXXX where a representative apologized and told me to try again with my service information in order to process the request. My second attempt also failed. Third attempt at calling them out on XXXX did not get any response so I filled out a form online to submit my information again to which a response was made. Bottom line is that they rejected my benefit stating that I am ineligible to receive the benefit on the current credit card because of the lending product opened during XXXX XXXX period ( which is now ) and that any debt accrued during a current or previous XXXX XXXX period is not entitled to have benefits applied. I received my first credit card during current XXXX XXXX period ( which started on XXXX XXXX XXXX ) with the benefits, and have other products through other institutions where XXXX has been applied. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I never received a Formal Notice of TERMINATION/SUSPENSION OF MY DEBIT CARD. My access/use of my Debit Cards has been terminated for 1 year. This action was taken for ALLEGEDLY filing too many disputes. All of the disputes that I have filed have been justified due to unauthorized charges to my debit cards. If I had not filed the disputes, then the unauthorized charges would have been allowed and I would have lost money that I never agreed to or authorized WHAT DOES NAVY FEDERAL CREDIT UNION EXPECT ME TO DO WHEN UNAUTHORIZED CHARGES ARE PLACED AGAINST MY DEBIT CARD THAT EITHER I WAS NOT AWARE OF OR I DID NOT AUTHORIZE!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Since opening account with Navy Federal Credit Union in XXXX, I suspected that my funds being deposited were stolen in small quantities throughout account opening and closing of account approximately XXXX. Since then, I have obtained access to mortgage account history that appear to confirm my suspicions. I ask that you please review all payments received by Navy Federal Credit Union that occur prior to and after monthly loan payment made. It appears that multiple payments are made to mortgage accounts. Also, please pay special attention to transactions occurring on due date XXXX date processed : XXXX, XXXX, XXXX for {$1000.00} per transaction.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36109
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I submitted a dispute with XXXX XXXX regarding a deposit I made last year. I made an ATM deposit on XX/XX/21. {$900.00} was not accounted for and I called immediately. I had not received a response to my request after some time so I called back. The rep stated the claim had been denied because the location did not record a positive variance from the ATM that day. She also stated I could not appeal and had no options. The ATM here in XXXX is always down or something is always going on with it. Navy Federal still has not given my funds back and its been a year. Please assist.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: There were cash advances made on my credit card which the bank let exceed the credit limit. I did not get a notification that this was happening but now I al responsible for paying it back. The bank closed my accounts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
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: I sent a dispute to Navy Federal Credit Union regarding an account with late payments. Navy Federal Credit Union has violated my rights by reporting data that is in violation of the FCRA. According to the FCRA In accordance with the fair credit Reporting act Navy Federal Credit Union accou nt ending in 2593, has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Account name NAVY FEDERAL CR UNION Account number XXXX .... Recent balance {$4300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number Not available Type Credit card Terms NA Credit limit or original amount {$4500.00} High balance {$4800.00} Monthly payment {$87.00} Recent payment amount {$160.00} Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX. Account history XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment history guide 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Balance history The following data will appear in the following format : Date : account balance / date payment received / scheduled payment amount / actual amount paid XX/XX/XXXX : {$4100.00} / XX/XX/XXXX / {$85.00} / {$0.00} XX/XX/XXXX : {$4200.00} / XX/XX/XXXX / {$84.00} / No data XXXX XXXX : {$4100.00} / XX/XX/XXXX / {$95.00} / {$600.00} XX/XX/XXXX : {$4700.00} / XX/XX/XXXX / {$83.00} / {$100.00} XX/XX/XXXX : {$4100.00} / XX/XX/XXXX / {$91.00} / {$180.00} XX/XX/XXXX : {$4500.00} / XX/XX/XXXX / {$89.00} / {$87.00} XX/XX/XXXX : {$4300.00} / XX/XX/XXXX / {$90.00} / {$200.00} XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$88.00} / {$250.00} XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$88.00} / {$150.00} XX/XX/XXXX : {$4700.00} / XX/XX/XXXX / {$90.00} / {$100.00} XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$90.00} / {$450.00} XX/XX/XXXX : {$4400.00} / XXXX XXXX, XXXX / {$92.00} / {$150.00} XXXX XXXX : {$4500.00} / XXXX XXXX, XXXX / {$88.00} / {$1000.00} XX/XX/XXXX : {$4300.00} / XX/XX/XXXX / {$90.00} / {$180.00} XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$90.00} / No data XX/XX/XXXX : {$4400.00} / XX/XX/XXXX / {$62.00} / {$100.00} XX/XX/XXXX : {$3000.00} / XX/XX/XXXX / {$73.00} / {$270.00} XX/XX/XXXX : {$4500.00} / XX/XX/XXXX / {$84.00} / No data XX/XX/XXXX : {$4500.00} / XX/XX/XXXX / {$73.00} / {$73.00} XX/XX/XXXX : {$4000.00} / XX/XX/XXXX / {$0.00} / No data XX/XX/XXXX : {$0.00} / XX/XX/XXXX / {$0.00} / {$1500.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4500.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$1500.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75230
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30655
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have attached NFCU last response to this important matter. Unfortunately I have still not received any validation that I am responsible for paying the alleged debt. My cooperation in making payments or setting up a payment plan is not an admission that I am in fact responsible for paying it. I am glad to hear you admit that you gave my information to Conserve in order to collect the alleged debt, but I'm sure you know this constitutes as identity theft as I did not authorize Conserve to have access to my information nor did I authorize XXXX XXXX to give it to them in order to contact me. I never gave written consent for Conserve to call me or collect a debt from me pursuant to 15USC 1692C this is illegal. Whenever conserved called me they asked me to confirm personally identifiable information, so how could they have known my information unless NFCU gave it to them? Under the Gramm-Leech-Bliley Act you can not give any of my information to any 3rd Party without my express consent. Under this act, you also never gave me an option to optout of you reporting information about me or this alleged debt to the CRAs. You are supposed to give an option to optin as well as optout of the sharing of this information. Neither option was provided it was simply assumed by you. Please Cease and Desist all collection activity on this alleged Debt until I receive validation Pursuant to 15USC 1692G. This Cease and Desist of the debt includes all collection activity on the alleged debt to include but not limited to furnishment to the Consumer Reporting Agencies, reselling of the alleged debt to 3rd Parties, or garnishment of my wages or bank accounts. This shall not be mistaken for a dispute or an attempt to not pay on any alleged debt. And it does not cover communications unrelated to the debt. I simply want validation from the debt collector that the debt actually belongs to me. Pursuant to 15USC 1692G of the Fair Debt Collection Practices Act, satisfaction of debt validation includes : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. In addition to this, I also need the following : 1 ) Accounting ledger, transactional history, and full file of any other information you have about the alleged debt 2 ) Notarized statement of someone who has first-hand knowledge of the transaction and can testify this transaction was completed legally 3 ) A copy of the original contract signed by both parties verifying that I owe you, the Debt Collector 4 ) Please also provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold 5 ) Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorist Act 2009 and what actions s/he has taken in relation to this account. 6 ) Please confirm if you are governed under the Gramm-Leach-Bliley Act or not
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A