Date Received: 2022-08-01
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I called Navy Federal in XX/XX/2022 and explained to them that I was dealing with a financial hardship. The hardship is due to me paying a mortgage and rent at my apartment. My renter moved out of my condo in XX/XX/2022. In XXXX, it was very difficult for me to maintain both mortgage and apartment rent. Navy Federal had me on a payment plan for two years where I was paying {$180.00} a month. I brought my balance down to {$16000.00} in XXXX. However, the new monthly payment increased to {$330.00} a month in XXXX. I called the bank to apply to a payment plan. They sent me an email confirmation on XX/XX/XXXX approving the payment plan. However, when I called the bank at XXXX. The representative said that I wasn't approved for the payment plan. Now the bank is requiring me to pay {$330.00} a month, which I can not afford and I've expressed this to them on many occasions. The bank does not care and they continue to report my delinquency to the credit bureau bringing my credit score down.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Navy Federal Credit Union violated my rights Per the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( a ), it is mandatory by federal law to verify through physical verification of the original documents, contracts, arrangement, obligation, pledge or promises written or, sign by the consumer all accounts you post on a credit report. Otherwise, any and everyone paying for your reporting services, business or work that could fax, mail or e-Per the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( a ), it is mandatory by federal law to verify through physical verification of the original documents, contracts, arrangement, obligation, pledge or promises written or, sign by the consumer all accounts you post on a credit report. Otherwise, any and everyone paying for your reporting services, business or work that could fax, mail or e-mail in a fraudulent or deceitful account or report. I demand to see verifiable and valid proof of documents an original, authentic, genuine Consumer contract, evidence, obligation, pledge, promise, record with my Signature on it you have on file, record of the accounts listed below. Your failure or, nonperformance to verify or, authenticate these accounts has damaged my ability to obtain or, secure credit. Under the FCRA, unverified, or unproven accounts must be removed, expunged and if you are unable to provide me a copy of verifiable, valid proof, you must remove, the accounts listed below. I demand the accounts be verified, documented, and substantiated or removed, expunged immediately. RE : Navy Federal Credit Union XXXX XXXX Credit Card XXXX - Acct : # XXXX. Amount {$8900.00} In Pursuant to Title 15, Section 1666 of United States Code. This debt must be validated. Per FTC, CFPB, FCRA, and the Attorney General mail in a fraudulent or deceitful account or report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
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: XX/XX/2015, I had contacted Navy federal credit union about fraudulent activity on my credit card and large purchases not made not by me. I also told them that my personal account at a local bank was compromised and funds was taken from it as well. This led to a period of hardship for me, do to losing my money and being payed off because employer lost their contract. I asked them to lower my monthly payment on my credit card and auto loan accounts and when I get new employment, I can repay them. They ignored everything I was telling them and wanted to keep the payment as is, I told them that I could not pay the full amount and the account went delinquent and eventually it was charged off. The account is in charge off status and the debt was written off on their taxes, yet they continue to send monthly charge off status to the 3 credit bureaus as if the account was charged off last month. This a form of consumer harassment, because they are trying to make it look like this account has been recently charged off when it was charged of years ago. Its affecting my credit in a negative way and I want the account removed from all 3 credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022, my money was taken from my account without my knowledge through online banking. The company does not work hard to make sure others can not access your account. I went to the bank because once the person hacked into my account they reset my password and took my money and I didnt find out I no Im I went to the bank. They then told me the fraud department would investigate and help me get my money back because they can see I was phished by someone and they did not offer me anything to stay afloat until the investigation is complete even though the perpetrator stole XXXX from my account leaving me to figure out how to pay bills. Navy Federal only closed the account and gave me another one which I still didnt have access to for a day. I had to call and see how I can gain access to my new account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80923
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Navy Federal was sent a Cease and Desist which included a notice of violations as it relates to the credit application that I filled out AND direction from me telling them to ONLY communicate by mail. I have attached relative documents here for reference. They then respond and say that they are going to CEASE ALL communication as it relates to all of the accounts I have with them. If you read my letter, I never told them to cease all communications. I made it plain and clear what they were to do. They instead, are willfully noncompliant to their responsibilities under Federal Law. Their response is also attached. By them not responding to the demands included in the letter, they are continuing to violate my rights as a federally protected consumer. They have also included an alert on my account that reads " Your account information is being provided for information purposes only. Providing you this information is not an attempt to collect a debt ''. They are attempting to collect on a debt because within their " loans and credit '' section it says " total debt '' and then it says that these amount are due. This is a clear indication that they are not only violating my federal rights, they are also contradicting themselves.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 24502
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
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 any open end consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXX XXXX was supposed to assist us with closing a HELOC but then created a word document about us working XXXX XXXX. Which one party on the loan also works for a XXXX and for requests like that YOU the loan processor are supposed to request that. XXXX literally said she didn't know how to do it and that we had 3 days to get it figured out or she'd close it. This process was less than 3 weeks open. And that harassment was the first time she contacted us. All over a work XXXX XXXX letter? All these requests were given, even the job letter that states its work XXXX XXXX was deniedit seems she trying to not allow our loan to process. And when another loan processor was requested, XXXX XXXX XXXX XXXX we had to deal with it and that we had to harrass our HR for more documents to get a loan. Any institute that I've proceeded with aloan through even Navy Fed has actually done their job but not these 2 ppl. They've went out of their way to lie and herras us to kill the loan. They literally were trying to make sure our jobs knew we were taking out loans and trying to sabotage us from getting them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80550
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Navy Federal Credit Union has closed the XXXX XXXX account that was fraudulently opened in my name, but I still receive statements say I owe a payment on the account. In addition, the company has failed to notify credit reporting agencies that this account was opened fraudulently. It should do that so the account is stricken from my records.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I am a XXXX XXXX vereran and current member of the XXXX XXXX XXXX. I have been banking with Navy Federal Credit Union for XXXXour years without issue. This past week Navy Federal Charged me 12 NSF fees of {$29.00}. {$340.00} of fees in less than a week. I emailed them constantly about why I kept being charged with money in the account, I have overdraft protection. They took DAYS to respond to me. They refunded only three of these charges. This has destroyed me financially. The NSF notices never say who the charges are coming from only the amount. They are very very slow to respond to any messages. They are predatory and were already forced to settle a class action lawsuit for predatory overdraft fees.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77532
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am Federally Protected Consumer and I have strong reason to believe I have been discriminated against by NAVY FEDERAL CREDIT UNION Account # XXXX And NAVY FEDERAL CREDIT UNION Account # XXXX. NAVY FEDERAL CREDIT UNION closed my accounts on XX/XX/2017, XX/XX/2017 they NEVER SENT ME in all those years a Pre Adverse Notices, or NEVER SENT ME a Adverse Action Notices. I have strong reason to believe they have discriminated against me under the Equal Credit Opportunity Act ( ECOA ). NAVY FEDERAL CREDIT UNION never informed me of my rights. NAVY FEDERAL CREDIT UNION has the obligation to correct action. ECOA protections extend through life of loan. This comes about after a consumer sued XXXX XXXX XXXX for closing his credit card account without providing an explanation ( as required under the ECOA ). The CFPB had filed a friend of the court brief in that case, stating that the ECOAs crucial protections against credit discrimination do not disappear the moment that credit is extended. Rather, ECOA shields existing borrowers from discrimination in all aspects of a credit arrangement. And on XX/XX/XXXX, the CFPB released Circular XXXX to reiterate creditors adverse action notice requirements under ECOA. I have made multiple attempts over 5 years in writing including certified mail starting in XXXX to let NAVY FEDERAL CREDIT UNION know about the many violations and discrimination and under TILA & BILLING ERRORS 15 USC 1666 falsely furnishing negative damaging information " late payments and charge off " on these accounts. I have tried to explain multiple times over the years to NAVY FEDERAL CREDIT UNION what the FEDERAL LAWS says in FCRA 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions ORIGINATE FROM ME THE CONSUMER my signature, my social security number MY INSTRUMENT " I EXTEND CREDIT '' and it is my right to operate in commerce. Does NAVY FEDERAL CREDIT UNION know OR care what happens when penalties for not complying with the ECOA happen? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to {$10000.00} for an individual claim or the lesser of {$500000.00} or 1 % of the lender 's net worth in a class action. Not only is NAVY FEDERAL CREDIT UNION appear to be discriminating against me and denying me extending credit they have been damaging my credit worthiness for 5 years now, there tarnishing my name by furnishing negative information " late payments and chargeoffs '' on my consumer reports as a way of coercion to pay these alleged debts which is " false misleading representation 15 USC 1692E A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. It is UNJUST ENRICHMENT and Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which NAVY FEDERAL CREDIT UNION NEVER PERFORMED this 21 days in advance so why are they furnishing negative damaging information " late payments & charge offs '' on my consumer reports? I don't know maybe coercion, extortion, and wanting me to be quiet while I'm being violated and discriminated against these past 5 years but I'm not going to be silent anymore or be in fear by them. Also there violating my privacy rights under the GRAMM-LEACH -BLILEY ACT by furnishing, spreading, around for profit my NON PUBLIC PERSONAL INFORMATION to non affiliated third parties. I never gave then my lawful or legal consent to share my information. And how can NAVY FEDERAL CREDIT UNION say '' I owe '' this alleged debt and by them assuming this role to falsely believe they have the Power & Authority to close my accounts when FEDERAL LAW clearly states 18 USC 8 The term obligation '' or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THE DEBT HAS ALREADY BEEN PAYED BY THE UNITED STATES that's what that Federal Law is clearly stating so NAVY FEDERAL CREDIT UNION can not use the excuse " because the consumers lack of untimely payments '' as reason to of closed my accounts. I'm just trying to make it crystal clear that I have strong reason that under ECOA there is some Violations and Discrimination occurring. And there is no Law that states a " a drop in a consumers credit score '' is valid reason to deny or cancel a consumers extension of credit. So NAVY FEDERAL CREDIT UNION legally, or lawfully CAN NOT state that either. I'm asking the CFPB to draw on its authority to police unfair, deceptive and abusive practices to rein in lending discrimination against NAVY FEDERRAL CREDIT UNION against me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A