Date Received: 2022-08-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: As for the first thing that went wrong, I was at the wrong location per the stylist website. Though a confirmation was sent via text. Due to the fact, I was traveling a distance to reach the stylist and most communication was either email or text. On a positive note, the stylist did offer to pick up XXXX as she would not be there until the appointment time as I was early. To be one hundred percent transparent, my appointment itself cost {$1000.00}, the hair cost {$750.00} approximately and the travel costs and tollways. Yes, I realize XXXX XXXX XXXX is a celebrity stylist and the fact. With all that is mentioned, my expectations are going to be higher ( as I am paying {$1000.00} for a service ) i.e., the equipment used, location of facility and lastly the presentation of the facility. In this day and time, I am sure you agree that cleanliness is above godliness. As for equipment used, the steamer used did not make any difference, but I believe that contribution to this was the noise as if the machine was choking from not having enough water. ( As if it was gasping for air ) Again this is business and if you are charging {$1000.00} for locs of course I would expect amenities to accommodate this type of expense. In comparison, the same would be if you go to a XXXX XXXX and pay {$200.00} as opposed to XXXX and pay {$75.00}. To be perfectly honest, I have no idea what I did wrong in this scenario to end up with this outcome. ( Being my hair looking like trash and it is only four days old. ) So, XXXX was diligent with her work and genuinely nice. That was not the problem. The way my hair looked was the issue. I ( again ) what more explanation do I need if I want the XXXX XXXX and go the person who did the look for a referral. I show a picture once I am there and explained that I want the poetic justice size locs. I did not know exact size but once I made this clear. I was so happy to finally get my hair like XXXX XXXX XXXX XXXX. I had been looking forward to getting my hair like this for FOUR YEARS since 2018. I asked XXXX " Why is it flat? '' It does not look full. Then, the finished look was hard looking and was more like XXXX XXXX look. It did not look feminine at all. Again, it did not look like the picture. I wanted a soft loc like a ring curl smooth look. I noticed XXXX was making the loc look rugged I just assumed this was the layer before and she finished it at the end as a top layer. Keeping in mind, I had no idea what the process looks like for locs. I TRUSTED THAT XXXX WAS aware of my desired outcome. Unfortunately, I was sadly mistaken. Quite honestly, this puzzles me as I wanted the same thing in which I consulted with her and bought a picture. Once I brought it to her attention that this was not the look, and I will have to have this taken out as I can not be on XXXX calls as a professional looking like this. As an afterthought, she added the hair which was curly. But it was not enough to be seen it looked more like an afterthought and it was not COHESIVE. It looked like it was added, and it was not part of the style. However, it did not mesh as one style. The hair looks different the locs than the picture and my desired outcome. ( Looked rough, gritty and although the hair was by His and Her Wet and Wavy. It did not curl instead ; it was frizzy and stringy. ) As you can see below ( pictures ) it looks BAD. It is messy looking such as stray hairs, frizzy. Looks like it is four months old and needs to be washed. I asked what I need to do for maintenance. I was told to brush and or comb the hair because it is human hair. Nonetheless, it does not look like human hair at ALL. Though I tied it up and bought a steamer for it to be loose and the hair ( as my hair is stiff and not flexible ) which should wave up when wet ) It is now, even more stringy and sticking together. Though I was told that this would be expected, and it would take a week or so for it to loosen up. The fact of the matter it is SIMPLY NOT WHAT I ASKED FOR. Before writing this letter, Monday day after appointment. I left a voicemail message and a text message requesting any suggestions as to the fact, it looked dry, stringy and just BAD. Also, I suggested a XXXX call so she could see but I received no response to either voicemail or text. In other words, both attempts of communication are unanswered as of today XXXX. I would like to know if there is a review XXXX XXXX XXXXXXXX XXXX XXXX XXXX. If so I definitely want to leave a review of the service delivered by XXXX. At this moment, I assume my monies for the hair ( {$750.00} ) is a lost. At the least, I am going to travel to a different state and get my hair done while, I have wasted my time. In order, for me to move forward, I will need to buy the hair again and get the outcome of which I wish/desire. Moreover, I need to ensure my hair is done for work. As of now, I am really trying to get someone to do my hair before my start date of XXXX. I may be reaching for the stars but as you can view the pictures, I am a professional and my hair does not look proper for the workplace. In closing, please tell me what went wrong in THIS INSTANCE and how I can correct it with another locs stylist. I am looking to take of care of this right away, I look forward to a referral whom will rectify and correct my hair which seems to be a disaster. Also, my hair needs to be done by the end of this month at the latest. Inline image
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: NFCU needs to credit my account as I called XXXX to get this done but now I am tryin to ensure it gets done I need a credit {$50.00} for the past months since XXXX wich equals {$300.00}. I CLOSED the account with XXXX XXXX XXXX in XXXX.I come to find out though I STOP and deleted my account info from their site. XXXX filed a complaint with merchant on XXXX. For whatever reason it was done So now I want to ensure the merchant REVOKED from accessing my account and I have request a letter of closure and never received and need this. This act is fraudulent as the merchant refused to dispute an item in which was valid. As I close the account they refuse to investigate and I chose to not d business with them which is valid based on these mentioned issues
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Navy Falderal improperly reported missed payments. Which is false reporting and is against of FCRA. Also no payment was due until XX/XX/2022. So no payment was to be made in XXXX, XXXX or XXXX. Hardship letter was sent 3 different times through the online messaging app for Navy Federal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I feel that was I was not helped and that no informed properly about my Credit Cards payments. When I talked with someone they told me that they would talk with IT and IT was do an investigate and see if I could work out a payment plan. if not they would call me back I never received a call back about the payment. They are not taking money out of my account without talking with me. I have more bills beside Navy Federal and Its not fair because I was not properly informed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98444
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I was sent a bogus email telling me to log into my bank so they could show me negative changes on my report. But my bank said they'd never contact me for that or in that way. They're SCAMMERS!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92277
Submitted Via: Web
Date Sent: 2022-09-07
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: Information belongs to someone else
Consumer Complaint: I've recently checked my credit report and noticed that its accounts on my report that aren't mines and I'm overall new to credit and want a fresh start since these accounts aren't mines.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60426
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Today I was scammed by a man impersonating a police officer and government employees for social security. He said he would arrest me if I didnt abide on drug charges and money laundering because these crimes were under my name so he said I may be the perpetrator and the only way to clear my name would be to empty my accounts on to gift cards. Hope the could catch the perpetrator by freezing my account but by the end of the day he got about XXXX out of me and I called my bank but they were unable to help me with this fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I realized this year there was a credit card in my name that I never opened, I filed a ftc report and submitted it to the bureaus, I spoke to the bureaus in regards to the account as fraud, after I submitted the report, it is still there on my report. I spoke to navy, and in order to open a credit card with navy, you have to have a checking account as well, which I do not have, I spoke to the banking side, which couldn't find a banking account which was strange. If you look at my credit profile I dont even have much credit. I'm just starting out. Anyway, they transfered me to cards, I explained to them that I never had an account, they haven't sent any docs to verify any accounts, and Ive disputed it soo many times. Pursuant to 15usc1681b no permissible purpose, FALSELY placing a account on my consumer report is grounds for imprisonment or {$1000.00} for the violation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29150
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: navy federal account last XXXX XXXX It has come to my knowledge that Navy federal has violated federal law 15 USC 1666 ( D ) billing error. " ( Restricting or closing by creditor of account regarded by obligor to contain billing error ). Navy federal has closed my open end credit card account due to failure to pay amount due in error this against federal law and against the state by laws with the navy federal credit bank in the state of XXXX 15 USC 1666 ( d ) says a creditor operating an open end consumer credit plan May Not restrict or close an account with respect to which the obligor has indicated pursuant subsection ( a ) that he believed such account to contain a billing error solely because of the obligor 's failure to pay the amount indicated to be in error. I also notice while investigating my account Navy federal was stealing funds from my active checking account and applying it to my closed go rewards credit card for indebtness on my open end consumer credit card. This is totally against federal law 15 USC 1666h ( a ) a card issuer ( navy federal ) may not take any action to offset a cardholders indebtness arising in connection with a consumer transaction under the relevant credit card plan against funds of the card holder held on deposit with the card issuer unless such action was previously authorized in writing by the card holder ( consumer ) in accordance with the credit plan whereby the card holder agrees periodically to pay debts occurred in his open end credit card account. I did not give permission or written consent and this is considered theft and is a violation of federal law 15 USC 1666 ( a ) ( 1 ) Navy federal must reactivate credit card and also must apply funds it stole from banking checking account to rectify the situation! it is against federal law to take from checking account and apply to credit card without the consumers written consent please rectify this situation asap so we can stay at the arbitration table and not have to enter into litigation!!!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/XXXX Navy Federal Credit Union took {$3000.00} from my checking account to pay off a collection that had a payment plan in place. No notification by mail or phone was received to help remind or resolve this debt. Nor was i notified that they were going to draft that money. The last payment was made in XX/XX/XXXX. I had made payments to other credit cards and now they stuck me with over draft fees because they drafted money without my consent. I had changed jobs and was struggling for awhile. I made phone calls to try and resolve this issue and requested that the collections supervisor return my call on XX/XX/XXXX and have not returned my call. I am angered by this because of the financial burden NFCU has placed me with this draft. And when i asked why i had not received a call the representative gave me attitude and said well you didn't call us either.. I am personally disgusted by the attitude and stance NFCU has placed over their veterans.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92231
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A