Date Received: 2022-08-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by ( XXXX XXXX and navy federal ). On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that ( XXXX XXXX and navy federal ) is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is ( XXXX XXXX and navy federal ) attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has ( XXXX XXXX and navy federal ) has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On or around XX/XX/2022 I applied for membership to Navy Federal Credit Union. On the very next day I received an email requesting verification with a link to submit the verifications. The link to submit did not work even days later and other computer systems later, so I called them and was informed of a new link. I submitted the verification documents as requested on the XXXX and I received an email of denial on XX/XX/XXXX and their explanation was that the denial was based on the information submitted. So I decided to be extremely thorough with my next application. Made sure everything was sufficient and triple checked for accuracy. I submitted my second application with them that same night. Figuring that a passport and insurance documents did not meet their standards I decided to submit my drivers license and registration. On XX/XX/2022 I received an email from their credit union stating that they had received my documents and once approved, I will be receiving my membership documents within 10 business days. I applied the first time and got a decision within the first week of applying so on XX/XX/2022 I contacted them to inquire about my application status and to verify if something else was needed to be submitted. I was informed by their representative that they had all the information they needed to complete my application process and that they will be emailing me within a couple days with next steps. By XX/XX/2022 I still had not received any communication from Navy Federal so I contacted them again to re-check my status and to make sure there was nothing more needed to make the process a success. I was informed again that they apologized, there was nothing more to send and I should be receiving an email with membership details within a day or two. On XX/XX/2022 today, I still have not received any information regarding my application so I contact Navy Federal again to find out my status. After being on hold for 20 minutes and leading me on for weeks they come back and tell me I was denied again. I asked to speak with someone to explain to me what could have possibly went wrong when I just was told in my prior conversation with them that everything regarding my application and applying was everything they needed to finalize my application process. Not only did they deny me but they refused to give me a reason or send me an email related to my application status. I am left under the impression that they have met their secret membership quota of my XXXX XXXXXXXX and that is the reason I was denied since their is no other explanation given. I reserve the right to know why I was denied especially since I made sure several times that the application was as accurate as possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48312
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My XXXX XXXX XXXX daughter and I are currently displaced from our home due to mold and damage inside my home from weather conditions that occurred on XX/XX/XXXX. On XX/XX/XXXX, a check in the amount of {$7800.00} from my insurance company was deposited into my checking account. The deposit was approved the same day and a 2 day business hold was placed on the check. Before the 2 days were up I received another email stating there was an additional hold placed on the check for 5 days. I called in to NFCU to get clarification and was pretty much told my check was looked at as Fraud. I called my insurance company and the Treasurer verified the funds had cleared the account. I then contacted NFCU and requested a supervisor, I was passed off to 2-3 supervisors until the final supervisor stepped in and took responsibility of the issue, the supervisor contacted my insurance company and a email with the cleared check was sent over verifying the funds, afterwards the supervisor made sure the hold was lifted, and my funds then became available for to take care of the repairs for my home. NFCU also gave me {$100.00} credit apologizing for the inconvenience stating they were sorry that my check was looked at as Fraud. Moving forward to XX/XX/XXXX, the final check for my home renovation in the amount of {$7900.00} was deposited into my account and I received the email that the deposit was approved with a two day business hold. I called in to NFCU on XX/XX/XXXX and was told funds would be available XX/XX/XXXX between XXXX XXXX & XXXX XXXX. The funds were deposited after XXXX XXXX so I made a payment to my gas company and was set to pick up materials at XXXX XXXX. NFCU, took the money back out of my account at XXXX XXXX then sent an email stating there will be an additional hold of 5 days. I immediately called NFCU and was told security was the reason for their actions. I called and spoke with at least 4 supervisors and was told the last supervisor that helped you Wont be able to assist you again so pretty much to stop calling. On XX/XX/XXXX, I contacted my insurance company to verify the funds cleared and was notified by the Treasurer of my insurance company the funds cleared on XX/XX/XXXX. I then called NFCU and spoke with another rep that attempted to help after I explained I have to check out my hotel on XX/XX/XXXX, and my home still has mold and the materials that were on hold for me would be lost. The rep suggested I call my insurance company and get the treasurer on the line while he attempted to get a supervisor back on the line. Once I got my insurance company on the line and the NFCU supervisor and my insurance company verified the funds were debited from the account on XX/XX/XXXX, the supervisor stated okay were still going to hold the money At this point I feel Im being discriminated against. NFCU has treated me like a criminal with their Unethical and Unprofessional practices. I will escalate this matter to the fullest extent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70769
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: My identity was stolen and used to open a checking, saving, and credit card accounts at Navy Federal Credit Union ( NFCU ) at the end of XX/XX/2022. Since getting notice of this, as a result of an alert from one of the credit agencies ( early XX/XX/2022 ), I have been unable to get Navy Federal Credit Union to close the account and absolve me of charges made to the credit card. They recently informed me that my dispute has been denied, and that I am responsible for charges made to the account. The account -- and outstanding charges -- have shown up on all my credit agency reports. It has been extremely difficult and frustrating to contact NFCU and have them acknowledge and correctly investigate these accounts. I have spent hours on the phone with them ( mostly on hold ), sometimes getting switched multiple times between the security and fraud departments. When I do get to speak with someone, they tell me the accounts are valid, and requests by me as to how to provide the necessary information/procedure to prove this is a case of identity theft have gone unanswered. They also do not provide an reason as to why my claim has been denied, or what was the basis of their investigation. This past Friday, they actually hung up on me after being on the phone for over 4.5 hours ( again, mostly on hold ). Their business practices are simply unethical. And customer service is awful. They should have never allowed these accounts to be opened, and thus far I have not been able to get them to close them despite hours of my time on the phone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 16803
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give NAVY FEDERAL CU written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. Company : NAVY FEDERAL CU DATE OF INQUIRY : XX/XX/XXXX, XXXXXXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give NAVY FEDERAL CU written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. I am requesting {$1000.00} for violation of my federal consumer rights. Company : NAVY FEDERAL CU DATE OF INQUIRY : XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I took out an auto loan from Navy Federal in XXXX of XXXX for the purchase of a new vehicle. Due to the global pandemic I was unable to register the vehicle. I had an appointment in XX/XX/XXXX, but was unable to register the vehicle at that time because I do not have the title paperwork once again GLOBAL PANDEMIC. I notified Navy Federal about this, and did not hear from them on this matter any further. Today I logged into my Navy Federal account to schedule my next payment, and low and behold the interest rate went from 4.25 % t0 16 % with no notice. The extremely rude agent on the phone says the only notification I received about this was in the disclosure documents, and essentially acknowledged I didn't receive any further notification from Navy Federal. I also did not hear from Navy Federal further after notifying them in XXXX of XXXX. I have made all of my payments on time since taking out the loan, and now my payment is 50 % higher than it was last month literally overnight.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Navy Federal has violated the Fair Credit Billing Act and the Truth in Lending Act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX, homeowner, a received a " Denial Notice '' on XX/XX/XXXX, which ( 1 ) violated the Cares Act - Mortgage Letter for extensions. ( 2 ) Neglected/ Fail to Mention Covid-19 Forbearance Plan-Breached ( Agreement ) in the letter ( 3 ) Threaten foreclosure " As part of the review, we may order a Property Evaluation to determine the property value this is violation ( Consumer Financial Protection Bureau & Covid-19 Mortgage Loss Mitigation ( 4 ) Willful Neglect " Incomplete Information Notice by the specified date. '' Plaintiff, adds Reasonable Suspension as to defendant letter reference to " specified date as follows : ( Willful Intentional Neglect ) XXXX Letter " extending the COVID-19 Forbearance start date and HECM extension period to XX/XX/XXXX '' Navy Federal Credit Union is in violation of ( CFPB ) FINALIZES New Rule restricting Mortgage Foreclosures until XXXX. Under a ( New Rule ) Federal Rule Mortgage Services have to do more to help you avoid foreclosure if youve been affected by Covid-19.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize these inquiries for credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A