Date Received: 2022-06-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act reporting of this account has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I want to apply these laws and exercise my rights. Please delete these accounts. Please send me a 1099 form and delete this account It is further agreed that NFCU shall take all steps necessary to ensure that no credit report or credit reference that is unfavorable or that may be construed unfavorably to XXXX XXXX XXXX shall be made by it or by any consumer reporting agency with regard to any debts or claims as between NFCU and XXXX XXXX. Without limiting the effect of the foregoing obligation, NFCU shall also within ten days hereof send notice [ in writing or electronically or both ] to each consumer reporting agency to which NFCU has reported any information about XXXX XXXX XXXX, deleting from their files all references to the [ alleged ] debt which is the subject of this settlement agreement. To that end, NFCU shall submit a XXXX XXXX form coded with DA ( delete account ) [ and/or ] a Universal Data Form with the Delete Tradeline option box checked to each consumer reporting agency to which NFCU has reported any information about XXXX XXXX XXXX XXXX Prior to any execution of any release of claims by XXXX XXXX XXXX, shall submit to counsel for XXXX XXXX XXXX clear and complete copies of these forms ( with NFCUs subscriber/password code redacted if NFCU chooses ) and proof that NFCU has submitted these forms. Each required Universal Data Form or the equivalent must contain NFCU certification that it has modified its internal records so that the information to be deleted is not re-reported. In the event Plaintiffs discover, more than fortyfive ( 45 ) days following NFCUs submission of the [ XXXX XXXX form/Universal Data form ] as described, that any consumer reporting agency still reports the alleged debt, XXXX XXXX XXXX may notify NFCU in writing, and NFCU will within ten business days re-submit a request for deletion of all reference to the debt. NFCU shall adjust its relevant internal records in a manner that will permanently reflect the agreed-upon status of the debt. NFCU agrees to take all steps necessary or appropriate to prevent the re-reporting of any information about the [ alleged ] debt. In the event any such information is re-reported to any consumer reporting agency, NFCU agrees to take all steps necessary or appropriate to ensure that the re-reported information is deleted from the files of every consumer reporting agency to which the information was re-reported. Further, should a consumer reporting agency ever notify NFCU that XXXX XXXX XXXX is disputing the tradeline, NFCU will not verify the tradeline or will confirm that the tradeline should be deleted ; in such an event, NFCU will also submit to counsel for XXXX XXXX XXXX, within forty-five ( 45 ) days after receiving the notification of the dispute from the consumer reporting agency, clear and complete copies of the notification of the dispute and any and all forms ( including electronic forms ) by which it responds to such notification ( with NFCU s subscriber/password code redacted if NFCU chooses ). NFCU further agrees that it will not assign, hypothecate, or transfer the [ alleged ] debt to another creditor, a collection agency, or any other third party, and that it will not alter the account number or otherwise relabel the account. The parties agree that time is of the essence of this contract. This release shall not extend to the obligations created by this Agreement or to any claim or cause of action based in whole or in part upon a communication to a consumer reporting agency after the date of this agreement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I was paid a very good amount by my new employer on XX/XX/2022. My new employer is also helping me monetarily so I can get back on my feet after not working for over a year taking care of my XXXX XXXX XXXX XXXX XXXX veteran grandfather. My deposited check was first approved and my bank gives {$220.00} right away so I will have some money available for a couple days before they deposit the entire amount. I have never had an issue with this before. This time, after the notification of my approved deposit, they sent a different notification saying that it will be held for over 5 days to " protect me from fraud '' and the weekend days involved. I contacted them to find out exactly why this is even a situation because I have never deposited a fraudulent check and I have also deposited amounts larger than the current with no issues before. I was told that the check is being held by the Federal Reserve to verify that the funds would be available from the company writing the check. I was also told that one of the reasons this situation has risen is because they had experienced questionable checks from the same source before and it had absolutely nothing to do with my previous actions. After researching these claims I found out that it was a total lie from the representative I spoke with. I called the Federal Reserve and verified that they were not the one holding my check at all. I also spoke with the General Manager at my new employment and verified that there has never been fraudulent checks written from the business and another new employee was able to cash their check at their own bank with no issues at all. I called my bank again and spoke with a supervisor and only told that it will be requested to be re-reviewed and possibly cleared a couple days earlier than the 5 day to 7 day time frame I was originally notified of. The supervisor did not verify anything, the first representative I spoke with, was true. He also did not say that I was the main reason for the hold. I was given no proper explanation at all. I am complaining because this is a situation that is completely unacceptable behavior from a financial institution that has never experienced fraudulent activity from a customer before. Things like this should not be allowed to happen to people that are trying to back on their feet with help from others understanding the person 's current situation. Completely unacceptable.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91932
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : Navy Federal Credit Union - Account Number : XXXX Date Opened : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : 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. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90012
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Last Year during Covid-19 i was sick with XXXX. Navy federal received my payment XXXX days late for loan i obtain from them to further my education. I explained to navy federal numerous times about what happened to me those 2 months. Navy federal was so cold and heartless. Navy federal ruined my stellar payment history during the pandemic because of XXXX late payment. Now that XXXX, XXXX and XXXX have added XXXX pandemic hardship option to the dispute area I disputed this XXXX day late again to navy federal XXXX Within 1 week navy federal credit union responded that this account is accurate. I didnt dispute this account to be told that its accurate! I disputed this account with navy federal to acknowledge the new option that all XXXX credit bureaus have provided on their websites for me to choose. If my education loan was affected during the Covid-19 pandemic it says i can ask for relief. XX/XX/2021 we were on lockdown. I was sick with XXXX and did not go back to work until XX/XX/2021. Navy federal still received payment and chooses to ruin my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit line increase with Navy Federal for my XXXX card. I was denied an increase based on a credit report PRIOR to my application. I notified Navy Federal that the report they are using is inaccurate. I requested they pull a current report to be able to properly evaluate my credit. They have refused stating they can decide what report they want to use. The current report will show at least a 40 point increase as well as credit utilization of 9 %.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98208
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I reached out to Navy Federal Credit union back on XX/XX/2022 explaining how someone got access to my ssn and date of birth due to losing my wallet with all my personal information such as my drivers license and social security card. I have sent in a police report along with a FTC report to show proof of myself being a victim of identity theft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, XXXX notified me that a deposit I made was being held and my account has went to the security team. Upon contacting them the same day I was advised I was given a check that may not clear and my account was on hold. After contacting the check issuer my Employer I was advised they issued a check to a closed account and needed to correct the issue and also sent a letter explaining the mix-up. I have been an NFC customer since XXXX and did not understand why I ended up in fraud. My entire online platform was placed on hold and blocked access to both of my secured credit cards in which I make payments directly from my checking account. On XX/XX/XXXX I spoke with customer service again and was advised that my account was still blocked and I needed to make my payment until the investigation is complete. She attempted to transfer to the fraud team to unblock and explain the mix-up. I was able to schedule a payment with her, however on XX/XX/XXXX I receive an alert that I was late for payment on my credit, I was never late in history. I called again and was told it was an error and its no way to make a payment on my account while I was on hold until the investigation is over. I advised this would make my account report incorrectly and asked to close both secured accounts, however, this was never done. On XX/XX/XXXX, I receive another credit alert for both cards and late status, I called NFC right away and spoke with customer service. She advised my accounts had never been closed and were on hold with fraud, she transferred me and I waited an hour before someone picked me up at XXXX XXXX. The specialist put me on hold after I explained the issue and was really not trying to help, he sounded very disoriented and not interested in hearing my concern. By the end of the conversation he was unable to help and I asked again to close the accounts because they are secured and funds were available in my savings account to pay off. He paid off both cards and closed them, however, now my credit is ruined and the account has been reported incorrectly because of blocking access to pay the accounts online and was told payment would be scheduled. My account should have never been closed, it was a Human Error that caused this, please fix it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60005
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Cant access past and present bank statements on Navys mobile application.Tried talking with their tech support and cant resolve the issue.Inability to access account creates a lot of anxiety because I dont know true balance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Navy Federal is attempting to collect money which I have spoken to someone already about my account I caught XXXX and was in the hospital for a period of time on top of that my XXXX kids caught XXXX had to care for them as well, I did ask them for the covid forgiveness program which they told me that I did qualify for but no actions was taken to take care of this matter. please delete/remove negative remark on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77038
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted the companies and I have contacted XXXX, XXXX and XXXX and it was taking off and put back on.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A