Date Received: 2022-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98516
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX a business partner stole my Navy Federal credit union credit card and made $ XXXX in unauthorized charges buying a truckload of inventory for her personal store. I contacted Navy Federal as soon as I found out. They said I didn't report the fraud in time. I filed a lawsuit against the person and won. But she can't/had n't made any payments. XX/XX/XXXX I contacted Navy Federal to once again try to be covered by my fraud protection now that I have a court order showing they were not my charges. Once again Navy Federal didnt care, and I'm still stuck paying {$300.00} a month on a card I didn't use. Navy Federal did how ever offer a payment reduction plan which I agreed to on all 3 of my cards. I had to do an application for all 3 cards which was time consuming and I was instructed not to make any payments until the application was approved which could be up to 30 days. Not even a week after applying Navy Federal collections department took payments from my savings account. I wasn't on ach and they hadn't contacted me that they were going to do this. I called the bank they apologized and v refunded the money. The payments caused the applications for my payment reduction to be thrown out the system. I had to reapply again. A week later... Same thing happened but on top of cancelling the apps and taking my money they reported all 3 cards 30 days late! During my 7 unit income property being refinanced. My score dropped over 80 points and I was denied a refinance..I spent hours on the phone the last 3 months with supervisors who promised to fix them. Now 6 months later they still haven't fixed anything. So I emailed 8 corporate officers including Navy Federal credit union legal team .. Not one person has called. except the cc collections people ... .I now have less then 2 months to save my life and refinance my only income over a banking error that the bank promised to fix but has not.. Causing me great stress, lose of sleep, little appetite, XXXX and more.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 Demand Letter Regarding financial institutions and the privacy of a consumers nonpublic information, Congress has enacted laws to protect such information from abuse and misuse. Under the Privacy Obligation Policy and pursuant to 15 USC 6801 ( b ) it states that you are obligated to ensure the security and confidentiality of customer records and information and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. You broke this law because you did not ensure the security and confidentiality of my personal records and as a result of this breach of public trust my right to privacy was grossly injured. 15 USC 6821 states that it is a violation of my right to privacy 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. You broke this law by disclosing my nonpublic customer information to a nonaffiliated third party. 15 USC 6809 4 ( a ) describes nonpublic personal information in pertinent part as personally identifiable financial information. 12 CFR 1016.10 conditions for disclosure states ; Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless you have provided to the consumer an initial notice, a notice to opt out and reasonable opportunity to do so before you disclose nonpublic personal information about that consumer to a nonaffiliated third party. You broke this law because I never received any notice of my right to opt out, nor did you give me reasonable opportunity to opt out before you unlawfully reported my nonpublic personal information to a nonaffiliated third party. An affiliate means a company that controls, is controlled by, or is under common control with another company. Does the relationship between NAVY FEDERAL CR UNION and the various credit reporting agencies including but not limited to ; XXXX, XXXX, XXXX and XXXX fall under the federal definition of an affiliate with authorized access to private consumer banking information? I allege that it does NOT in any capacity! 15 USC 6809 ( 5 ) describes a nonaffiliated third party as any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control. Recently, I looked over my consumer reports furnished by XXXX, XXXX, XXXX and XXXX to which I allege are ALL nonaffiliated third parties as defined by federal statute. These reports contain my private nonpublic information furnished to them by NAVY FEDERAL CR UNION. Personal consumer banking information such as dates of opened financial accounts, types of financial accounts, payment amounts, payment history, balances, account numbers and credit limits are being reported to these nonaffiliated third parties WITHOUT MY CONSENT and you are breaking the law. At the time of establishing a customer relationship, federal law requires you to disclose your policies and practices with respect to the protection and sharing of a consumers private information with nonaffiliated third parties pursuant to 15 USC 6803 ( a ) ( 1 ). Also, pursuant to 12 CFR 1016.10 ( a ) ( 1 ) ( 3 ) you never informed me of my right to opt out of such reporting. You broke these laws because I never received any of the forementioned statutorily mandated notices of disclosure. This serves as my written demand for you to opt me out of reporting any of my nonpublic information concerning the two subject matter accounts stated above to nonaffiliated third parties and for you to cease and desist all reporting of these alleged accounts to which I expressly dispute the validity of. I demand to see the written authorization signed by me expressly giving you the permission to share my confidential information with ANY nonaffiliated third party. I also demand to see the contract you have on record showing verbiage in plain language and bearing my signature granting you the expressed authority to share my nonpublic information. Consumer reporting agencies are notorious for unlawfully selling PRIVATE consumer information to other nonaffiliate third parties without consent and you are an accomplice to these unlawful acts and the encroachment upon my fundamental rights to privacy. I did not consent neither expressed or implied to my private banking information being released and shared in any capacity to any nonaffiliate third party. The unlawful, non-permissible reporting of these alleged, unvalidated accounts which are fundamentally private in nature have grossly injured me and I demand they be removed immediately from all consumer reporting agency records. The reporting of the two subject matter accounts and the damages they have caused has given creditors an unjust advantage against me. I have been denied access to credit, loans, fair interest rates, usage of credit-based goods and services. I have also been denied housing for myself and family due to this violation of my right to privacy, and it will be reported to the Consumer Financial Protection Board. It is also my intent to file suit in Federal Court for monetary damages against your company for the infringement and total disregard of my consumer rights. Respectfully, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 1.I have never had an account with this company NAVY FEDERAL XXXX UNION XXXX XXXX REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are NAVY FEDERAL XXXX UNION the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I am submitting this claim for a SCRA violation against Navy Federal Credit Union. I am a XXXX XXXX and took out a personal loan back in the fall of XXXX when I was on XXXX XXXX over 31 days. Those orders ended on XXXX XX/XX/XXXX. I then obtained new orders on XXXX XX/XX/XXXX and have mostly remained on XXXX XXXX since the beginning of the calendar year. When I applied for SCRA benefits to my account, I was instructed by XXXX XXXX, via a XXXX XXXX letter, that SCRA benefits could not be applied because " [ l ] oans opened during XXXX military service are not eligible for SCRA coverage and/or a reduction in interest rate. '' When I called about the request, I spoke with a Navy Federal SCRA representative. She directed me to a provision in the DOJ 's SCRA Guide, which states as follows : " The SCRA limits the amount of interest that may be charged on certain financial obligations that were incurred prior to military service to no more than six percent per year, including most fees. 50 U.S.C. 3937 ( a ) ( 1 ) & ( d ) ( 1 ). '' Her position was that because I took on the loan while on XXXX XXXX, my loan will forever be barred from SCRA protections. I disagree because Navy Federal 's interpretation is too limiting. My orders for the period in which I took out the underlying loan ended on XXXX XX/XX/XXXX. My new orders, dated XXXX XX/XX/XXXX, is a new period of " military service '' and thus all previously incurred debt is subject to the 6 % limitation. Under 3937 ( a ) ( 1 ), " [ a ] n obligation... bearing interest as a rate in excess of 6 percent per year that is incurred by a servicemember... before the service member enters military service shall not bear interest at a rate in excess of 6 percent.... '' Under 3911 ( 2 ) ( A ) ( i ), " Military Service '' is defined as " in the case of a servicemember who is a member of the... Air Force... active duty, as defined in section 101 ( d ) ( 1 ) of Title 10 [, ] '' which states, in turn, that " 'active duty ' means full-time duty in the active military service of the United States. Such term includes full-time training duty, annual training duty, and attendance, while in the active military service, at a school designated as a service school by law or by the Secretary of the military department concerned. Such term does not include full-time National Guard duty . '' Thus, because my military service ended with my orders on XXXX XX/XX/XXXX, and I entered a new period of military service on XXXX XX/XX/XXXX, then SCRA should apply because I took out the present loan before I entered the present military service. I would note that nothing in the plain language of the statute bars application of SCRA benefits to my case. Moreover, under the DOJ 's SCRA Guide, [ t ] he Act [ SCRA ] must be read with an eye friendly to those who dropped their affairs to answer their countrys call. Le Maistre v. Leffers, 333 U.S. 1, 6 ( 1948 ) ( citing Boone v. Lightner, 319 U.S. 561, 575 ( 1943 ) ). Restated, the SCRA should generally be read in favor of the servicemembers it is intended to protect. See id. If you have questions or would like to discuss, please feel free to contact me. Best, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37363
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Attempts to get credit union to send opening documents for new account opened.Account was opened via the web and never received the opening documents.Request paper statements of my account since I opened account in 2017.Supposedly they were using e-statements but I never received statements via the web till I requested them this summer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I never gave the Credit Bureaus consent in assembling and evaluating credit and information on my account. The Credit Bureaus were not responsible, unfair, partial and did not respect my right to privacy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Navy Federal Credit Union hired a lawyer XXXX XXXX best of XXXX XXXX XXXX XXXXXXXX XXXX PA to sue me for credit card I have with them that is part of an on going investigation with the U.S. Government for XXXX XXXX & Identity Theft. My account/card was purposely frozen or as they have it inactive status due to such actions mentioned above. Credit card and loans were submitted on credit report as a loss XX/XX/2021. As I am am unable to show any activity on creditors or VA Compensation or any government entities until further notice of clearance of said investigation completion.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am a longtime member of Navy Federal Credit Union, as well as holding the professional finance designations of XXXX, XXXX, a Big XXXX University XXXX, and XXXX years in XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX level at such institutions as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX as well as at XXXX XXXX XXXX XXXX XXXX When I decided to do my new mortgage with Navy Federal ( over other vendors ) last XXXX of XXXX, it was because of ( a ) my great experience to date with them, and ( b ) the fact that it was a members-owned Credit Union ( with all that that implies about putting member-owners ahead of quarterly profits ) and ( c ) the fact that it's closely affiliated with XXXX XXXX personnel or XXXX XXXX at the highest levels of NFCU ; this conveys a certain expectation for the XXXX creed of acting honorably. ( d ) The fact that the mortgage rate could be locked for a year was also in NFCU 's favor, given that the mortgage was for a house-build which would take almost that long. On my part, at the time, I brought a XXXX credit score of over 800, and XXXX debt, not even a car loan. The issue is : With my background, and abhorrence for having my mortgage sold to some other party, in which decision I would have no say, I therefore asked the NFCU Mortgage Department XXXX XXXX officers, more than once, if my mortgage would be sold. In fact, I turned down better terms with XXXX XXXX because they said up front that they'd sell my mortgage to XXXX XXXX. I was verbally told, by the XXXX NFCU officers, that it would NOT do this, and I asked more than once, because I'm careful that way and double-check on important matters. I have since been told that NFCU 's unilateral right to do so, was in the disclosure documents -- it was, as a possibility, but the verbal assurances to me were that that would not happen. As we all learned in our business law courses, verbal representations are legally binding, to say nothing of morally so, esp. for a firm that holds itself out to the public as hewing to the XXXX 's standards of honor and duty. And the verbal promises are on recorded lines at all financial institutions such as Navy Federal, as required by FINRA and other regulatory authorities. I expect that NFCU keeps those recordings in its archives for several years, as XXXX did. My loan closed in early XXXX, XXXX. Yesterday, on XX/XX/XXXX, I was flabbergasted to receive a letter in the mail from XXXX XXXX, informing me that Navy Federal had, indeed, sold my mortgage to XXXX XXXX, and probably the day after it closed -- why wait, when one can sell out the member-owner ASAP and collect a fat fee for doing so, into the maw of the XXXX XXXX machine ? XXXX XXXX referred me back to my mortgage originator, and would give me no information, so I called several " supervisor '' people at NFCU, including three mortgage department supervisors who refused to give even their last name 's first initial, to distinguish them from other " XXXX '' XXXX in the same department, and was told, effectively, too bad, so sad, NFCU is not walking it back, have a nice day. The three totally unhelpful mortgage supervisors with whom I talked and who threw up, each of them, the roadblock of refusing to advance my request to the CEO 's office, or to do ANYTHING other than " no, and have a nice day '' are : XXXX, XXXX ending in XXXX, XXXX, XXXX ending on XXXX, and XXXX, XXXX ending in XXXX. So here 's what I'm wanting, if anyone at NFCU can be contacted to even respond : ( 1 ) A review, post-haste, of all verbal recordings of all conversations between myself and the NFCU XXXX since the mortgage application process was started last XXXX, XXXX. Presumably, NFCU 's legal department at least requires the keeping of these recordings. ( 2 ) A changing of training and onboarding policies in the XXXX department, immediately, whereby each XXXX officer is REQUIRED to VERBALLY disclose to member borrowers, AT EACH INTERACTION, that ( a ) NFCU CAN and in the majority of cases, WILL sell the ownership of the mortgage loan to another party, including, but not limited to, XXXX XXXX, XXXX XXXX, or the VA, and ( b ) that NFCU CAN and in the majority of cases, WILL sell the servicing of the mortgage loan to another party. ( which they've not yet done -- waiting for the other shoe to drop, on that one ). Instead, the opposite -- that of verbally dangling the expectation to the member that these events will NOT occur -- is the current practice. ( XXXX ) A timely reply from the CEO 's office, which will doubtless not be forthcoming, since I wasn't even given any access to that office, after trying to reach it at least 3x today ( 4 ) Given # 3 above, I'm filing this complaint against NFCU ( with the CFPB ) for roadblocking any and all abilities to complain directly to their organization 's senior management, or even middle management, on this matter. I will be breaking my current long-tenored CD with NFCU, waiting for the short-term ones to mature, and withdrawing all of my funds from the organization. Bad behavior does not get rewarded and I am not about to continue to do so. At less than a XXXX dollars, it's not much, I admit, but I have better places to put it than with an organization that acts dishonorably and then refuses to make things right or offer any redress whatsoever, and throws up roadblocks when I try to reach senior management. I will also doubtless be paying off my mortgage materially early, since the only way to thwart those who've thwarted me, and who now hold my loan or the service contract, is to part company and deprive them of the earnings therefrom, and impose the disadvantage of a mortgage prepayment onto them and their mortgage-purchasing partners.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46074
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have a few unauthorized adverse Navy Federal credit union accounts on my consumer report. pursuant to 15 USC 1681b ( 2 ) -permissible purpose no consent was given. XXXX sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact. In certain cases the errors were significant enough the differential was at least 25 points for around 300,000 consumers that some would-be borrowers may have been wrongfully denied credit, the company said in a statement. it appears that I maybe one of the victims as these accounts was not authorized or no consent. I want the suspect accounts removed from my consumer report and XXXX provide me with a confirmation numbers for every account mentioned here. Please send me my consumer report showing the deletions as proof or evidence. The accounts to be removed are two Navy Federal charge off adverse accounts on my credit report. Please remove them and provide confirmation number for removal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A