Date Received: 2022-08-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I lost my job recently and I am unable to pay my credit card or consumer loan. I let it default because I was keeping that money to pay my mortgage however my bank stole the money from my checking account to pay up the credit card and consumer loan. I need this money back so I can keep my house. I contacted several people with the bank and they refused to reverse the transaction. I bank with Navy Federal and have done so for several years.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 476XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The company is Navy Federal Credit Union car loan XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: It is my understanding as of XXXX My issue regarding an ongoing complaint from XXXX WILL NOT be re-investigated. Per XXXX XXXX it was given to her and she is nt in the credit card department It seems this matter is not regarded as priority and it is very important to me. I have EXPLAINED THE FIRST INVESTIGATION WAS DONE BASED ON THE WRONG PREMISE It should be investigated a a fraud with prejudice. The company told me and gave me false informaiton and I confirmed by getting doctors whom is an expert recommendaion. I do not understand what the problem is and WHY I am being refused an investigation XXXX XXXX stated she will handle the account closure but the investigation was not done and do not plan to do as she does not handle things of this magnitude in her department
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I was approved for a checking account through Navy Federal Credit Union without any issues. On XX/XX/XXXX, I switched my direct deposit information to this checking account so that I could receive my paycheck on XX/XX/XXXX. I called Navy Federal on XX/XX/XXXX to ask if my paycheck would arrive two days early like with my previous bank and this is when I found out about the restriction on my account that will allow me to deposit, but not withdraw. Prior to this, I received no information, whatsoever about the freeze on my account. They told me to call XXXX XXXX XXXX to get the issue resolved. I called XXXX XXXX XXXX and they told me that it would take XXXX days for them to send me a letter either by mail or email explaining why there is a freeze on my account. After trying to escalate with Navy Federal, they told me that I would have to speak to their security department who has a TWO HOUR hold time. After holding for a whole hour, my call dropped due to bad service in my home. This is causing a huge financial strain on me and I have a XXXX year old son. The constant phone calls that I'm having to make is also interfering with my production time at my job. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72034
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In reference to the Fair Credit Reporting Act : These following accounts are violating my consumer rights by reporting wrong information, putting deleted accounts that were removed recently without notifying in XXXX buissness days in the past. Lastly my rights to privacy are violated. ALL OF THESE ACCOUNTS ARE REPORTING DIFFERENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) ON XXXX, XXXX, XXXX. WHICH PROVES MY STATEMENT TO BE TRUE. IF ACCURATE THEY SHOULD ALL REFLECT WHICH THEY DONT. PLEASE DELETE LISTED ACCOUNTS FROM ALL BUREAUS IMMEDIATELY. XXXX XXXX Acct # XXXX Navy FCU Acct # XXXX NAVY FEDERAL CR UNION Acct # XXXX NAVY FCU Acct # XXXX XXXX XXXX XXXX Acct # XXXX ALL OF THESE ACCOUNTS ARE REPORTING DIFFRENT DATA FROM ( OPEN DATES, BALANCE, CURRENT BALANCE ETC ) PLEASE REMOVE 15 USC 1681b Consumer agencies are not allowed to report without my written instruction on my consumer report ) 15 USC 1681 section 602 A. States I the consumer have a right to privacy 15 U.S. Code 1681 ( a ) - Congressional findings and statement of purpose- The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 USC 6821 Privacy protection for customer information of financial institutions ( a ) Prohibition on obtaining customer information by false pretenses It shall be a violation of this subchapter for any person to obtain or attempt to obtain, or cause to be disclosed or attempt to cause to be disclosed to any person, customer information of a financial institution relating to another person. 15 U.S. Code 1681I-Certification of accuracy of information- States that once deleted from my consumer file it has to be reinserted unless i am informed no later than XXXX business days. I HAVE NOT RECIEVED THAT FROM IT BEING REMOVED TWICE OVER THE YEARS. I DO NOT WANT A DISPUTE I WANT REMOVAL IMMEDIATELY BECAUSE MY RIGHTS ARE BEING PUSHED TO THE SIDE
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX I went to the XXXX Bank Atm to deposit money {$1100.00} cash ( XXXX XXXX XXXX ) I have deposit plenty of times my credit union is Navy Federal. The Atm was process my money and then froze told me unexpected error occur please contact your bank a gave me a slip with date of transaction didn't show the amount or anything. I contact bank right then an there. They stated they would help figure out what happen. I went to the XXXX XXXX XXXX spoke to the manager ( XXXX ) the next day at XXXX XXXX in the morning she contacted the back office and took my information stated that it's possibly that it went to reject bucket because of the amount it happens all the time she says. SO I waited a couples days to see what they would do. I got this email stating I would get a temporary credit while they investigate. So no credit ever came after 2 days, called My bank they told me. Sorry the Atm balanced. I ask them could yall please pull the cameras they say no there was no reason too. I went to XXXX XXXX again spoke to the manager same day this was Thursday of the same week. She called the dispute manager ( infront me in her office ) and she said Navy federal never submitted a claim they have been waiting ( becausethere was other people same issue ). So I am so confused because they asked me what bills did I have like denomination I told them and heard the lady say yes this is her money on the phone ( this XXXX XXXX XXXX ). I called Navy federal again they told me to submit another claim. I just been try get my money back someone to pull the cameras. Just back and forth.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: So I dont have many dates my account was in the red due to return checks from my cellphone provider I stayed in contact letting them know the commute to the bank is far for me with no car. XXXX working on getting funds to my account to fix issue. On XX/XX/XXXX I deposited enough to take out of red pay my credit card off and have money to keep in good standing the next day. My account was closed. I was told due to me trying to open another account I explained that I never did they accused me and said account will remain restricted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Has requested a debt Validation request along with A FULL AUDIT TRAIL, LIMITED TO GENRAL LEDGERS, PURCHASE LEDGERS, ANY BOOKKEEPING, ANY PRINCIPAL INTEREST OR INTEREST INCOME APPLIED ON PRIVATE LEDGERS. NFCU HAS NEVER GIVEN ME THE OPTION OT OPT OUT OF HAVING MY PERSONAL NON PUBLIC INFORMATION SHARED, NEVER HAS SUPPLIED PROOF OF SUCH. PURSUANT TO 12 CFR S EC1016. ANY ACCOUNT MUST BE DELETED. AGGRAVATED IDENTITY THEFT. NAVY FEDERAL CONTINUES TO VERIFY THE ACCOUNT AND ACCURATELY. WILLINGLY REPORTING THIS INFORMATION UNDER FALSE PRETENSES.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Navy federal declined my fraud claim of XXXX dollars from XXXX. I told them I did not authorize these transactions and that no error was made in an attempt of a fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23453
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate. By definition, the IRS states that one must must report canceled debt as gross income on your tax return even if you don't receive a 1099C Debt is reported on consumer reports NOT income .All canceled debt must be reported as gross income on your tax return even if you don't receive a 1099C ( see IRS guidelines ) The information is in fact inaccurate, I am exercising the right to rectification. The listed account ( s ) NFCU ( AUTO ), XXXX XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXXXXXX BANK, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX BANK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX BANK XXXX are reporting inaccurate information. They are depicting a negative image on my report and character and are damaging my lively hood and my ability to obtain credit for both personal and wholesale use. Debt is reported on consumer reports NOT income according to the IRS. The information is in fact inaccurate, the continued reporting of this inaccurate information is a clear act of violation. No interest nor additional fees can be included on consumer reporting BY LAW. This information is inaccurate and is harmful to my livelihood and ability to further obtain future credit lines. I've taken out two auto loans previously with Navy Federal Credit Union back in XXXX of XXXX. The original debt for the first loan was {$29000.00} For the duration of a 60 month term for the XXXX XXXX XXXX. The second vehicle Amount Financed at {$32000.00}. What was originally on my contractual agreement with NFCU was not the same payment start date as agreed upon and the payments for the second vehicle begin to report late payments in XXXX in which was inaccurate because I started the payments for both auto loans on XX/XX/XXXX as an early payment. This damaged my credit history and reputation moving forward to obtain other desired lines of credit both personal and Business lines of Credit as well. In XXXX of XXXX after I contacted the lender NFCU and put them on notice about the matter, my consumer reports were updated with more inaccurate information on these two auto loan accounts with XXXX XXXX. The term months are listed as 61 instead of 60 which was agreed by both parties via epromissory note, Also the interest rates and monthly payments went increase since I hadn't received the titles from the owners to present to NFCU in the time requested by NFCU. Earlier in XXXX and XXXX of XXXX I was contacted by a member/agent from the lender NFCU stating the change that had been made to the two auto loan accounts and that the loan status was being changed from Auto loan status and that the collateral was being removed from the loan, however this was not updated on my consumer reports in XXXX, only the current balance, monthly payments and APR was updated but not the status of the loan. This reporting is inaccurate. NFCU claims they resolved the issues by updated the late payment history in XXXX XXXX and XXXX which originally took points on my consumer reports that was not refurbished back to me. Also the reporting of the XXXX payment history is inaccurate and so is the acceptance of the payment for the second Auto loan since the promissory note clearly states that one can not make the first initial payment 30 days before or prior 30 days prior to the agreed payment start dates which are XX/XX/XXXX for vehicle one and XX/XX/XXXX for vehicle 2 both purchased in the same week of XXXX. The information is in fact inaccurate, I am exercising the right to rectification and I demand the cease and desist of the reporting of this inaccurate information being furnished to cure and remove this Erroneous and inaccurate account from my consumer reports. Thank You
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76011
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A