Date Received: 2022-06-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The following credit Bureaus XXXX and XXXX stated that my accounts were properly investigated but how can that be possible when the information shows that the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. These are grounds for these accounts to be removed as they are violating my rights under, the following LAWS. 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 : States a consumer reporting agency can not furnish an account without my written instructions. Also the credit bureaus and the creditor have taken more than 30 days to complete there investigation to which no documentation was provided as I requested, the credit bureaus and the creditor have both verified these accounts without providing any proof or documentation. Both credit bureaus have instructed me to contact the creditor for proof of verification documents as to why and how these accounts have been verified. The creditor has refused to furnish me any documents proving verification of accounts as well as the credit bureaus. there is no proof being provided these accounts must be deleted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Lost or stolen check
Subissue:
Consumer Complaint: XXXX I contacted Navy Federal Credit Union XXXX and requested that a CD be closed and the funds ( {$54000.00} ) be mailed to me as a cashier 's check. XXXX Having not yet received the check 3 weeks later, I called the XXXX XXXXXXXX XXXX speaking to XXXX XXXX who informed me that it can take up to 21 business days (! ) to generate the check, and that it should arrive by the end of the week. In case it did not arrive, he gave me Form 170A to fill out to have the check replaced. I submitted the form. XX/XX/22 The XXXX XXXX rejected my form -- they did not like my signature. They also provided the check number to include on the new form. No other issue was noted. I submitted a new form via messaging. XX/XX/22 The XXXX XXXX messaged me that I must wait 90 days for them to begin the process of reissuing the check! Meanwhile, I am losing $ XXXX in interest on the new CD I intended to open with these funds. XX/XX/22 I messaged the credit union that this was not acceptable, that they should stop payment on the cashier 's check, and that their retention of my money will cost me about {$450.00} by the time the 90 days is up before they will even start the " up to 21 business day '' time period to issue my replacement check.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89521
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
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: Why are large companies allowed to lie about derogatory reporting data to credit bureaus without proving their case? I proved my case with the bureaus and STILL they allowed NAVY FEDERAL CR UNION to dinged my record for a 30 days late. My payment history also tells the truth, never late for 10 years in business with NFCU, but thats not worth anything to these companies?!? Its wrong that large companies like NFCU can affect credit scores without PROOF of late payments and credit bureaus refuse to hear both sides automatically siding with big business and NOT induvial working class?!? Look at my payment history and do your job in finding the actual fault! Also, why can credit bureaus offer a better score if you pay them money? My credit score should stand on it own and NOT be manipulated by credit bureaus for PROFIT! These companies have the power over my financial records and are allowed to operate for profit margins, how is that legal? What government agencies are getting kickbacks for allowing this unconstitutional behavior? This is criminal
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The loan was established in XXXX a Charge card and the charge off is dated for the year of XXXX, which is not true and has been reported to all credit bureaus to remain on my credit report. In addition, payments towards this amount to have been made by me in XXXX, which I did not make. All these dates and information regarding this charge off is inaccurate, thus to not acknowledge the statue of limitation and to have it removed from my credit report according to FDCPA, which should have been years ago. I believe these dates are fabricated in order to prolong for my credit to remain in a low standing and to avoid the statue of limitation not to take effect. I have endured many years of unemployment due to sickness/injuries and other unforeseen circumstances to include the Pandemic as we all faced, which caused a financial hardship over the years and had hope to pay this debt but could not. Thereby, I did not receiving any information regarding a Charge-off ( XXXX ) or letters or knowledge of payments made by me when I was unemployed, all to continue to have this negative charge on my credit report. I ask for help to please rectify this deliberate error, for this is causing my name to be tarnished unfairly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Application ( XXXX ) to refinance home was submitted to Navy Federal Credit Union ( NFCU ) on XX/XX/2022. Estimated time of completion was 60 days. The person managing my application insisted they wanted to identify me by race in my application, when I preferred that they did not. After completion of all initial documentation and change in approved amount, follow up was submitted on XX/XX/XXXX to confirm if resigning of documents was necessary. It was advised that they were behind schedule and processing could take 90 days total. At some point during the month of XXXX, the loan processor decided to take a 30 day vacation and did not transfer workload to any other person or office. On day XXXX, I reached back out to the bank and requested to see the initial application files submitted to determine if my race was indicated in the profile. NFCU refused to provide me the files. In XXXX I received a short apology and assignment to a new loan processor to assist the previous office in backlogs. Not initially communicated to me, the home loan type changed. Working with the new loan processor and the servicer of my mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been a tumultuous experience of misguided financial advisements resulting in further damage to my credit standing and extraction of me paying out {$10000.00} rather than receiving the small loan I was applying for. XXXX. ) I have been misled on how proceedings would be handled to manage lender paid expenses from financial relief negotiations concerning pandemic relief. XXXX. ) I was advised if I covered the expenses of front, paid in full, that proceeding with processing could take place. Once paid, NFCU capitulated. XXXX. ) The loan servicer ( XXXX XXXX ) inaccurately recorded the payment toward removal of a partial security deed lien, then advised they would correct it in two days. The correction took two weeks. XXXX. ) The loan servicer is required to meet the Veterans Affairs system interface reporting requirements for being a VA preferred lender by reporting the satisfactory release of the lien by the XXXX of the following month. They did NOT comply and are essentially refusing to release the lien although payment has been made. XXXX. ) There has been communication daily on this matter. As soon as the document was completed to remove the lien, NFCU move swiftly to deny me the loan without explanation. 180 days of delays and lying. This doesnt even touch on the matters of the initial veterans affairs loan technician not reading the emails of the actions taking place, randomly stating actions that had nothing to do with what was occurring, and then confirming in conjunction with NFCU that the requirement was for me to pay in full out of my pocket the expenses from my pandemic relief forbearance back. Thats NOT pandemic relief. Thats financial oppression. ****To make matters worse, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX recorded the lien XXXX without properly reporting it to the VA for payoff. *** At every critical juncture of NFCU setting terms of being able to raise interest rates on the loan, they moved to delay. This is especially apparent at the XX/XX/XXXX mark. NFCU XXXX : XXXX ; XXXX ; XXXX Veterans Affairs POC : XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My Funds were NOT handled or DISBURSED as INSTRUCTED and PROMISED : On XX/XX/2022 @ XXXX XXXX, My husband and I, deposited a check. According to my NF receipt, my check was credited ( immediately ) added and included with my account balance. On XX/XX/2022 @ approximately XXXX, I phoned NF Credit Union to ensure that my/our check was credited as is indicated on my/our receipt. According to the automated system, my husband wasn't a member ( although, it was his debit card used for the deposit ). At approximately, XXXX on XX/XX/2022, I/we phoned NFCU " again XXXX and used my debit card, and my other applicable identity information. Again, my/our balance was less than what is indicated on my/our deposit and receipt. On XX/XX/2022 @ XXXX, I " again '' phoned NF Credit Union and spoke with Representative, XXXX XXXX I shared with XXXX, all of the information above. She ( XXXX ) reported, that my ATM deposited check would be held for XXXX business day 's and the monies would be placed in my/our account on Friday morning ( XX/XX/2022 ). Today, is Friday-XXXX XXXX XXXX and the money isn't in my account. NF Credit Union 's, XXXX misguided and lied to me/us. Only, about {$220.00} was placed in my/our account on XX/XX/2022. The amount indicated on my/our ATM receipt, still isn't available. When I/we phoned NF Credit Union this morning @ approximately, XXXX, I/we was on HOLD for an extended period of time ( XXXX mins and XXXX secs ). When we spoke to the NF Representative, we were made aware, that our check hold had been extended to XXXX day 's. We shared with the Representative, that we needed access to our monies. We also shared, that we were told that our monies would be available Friday morning ( XX/XX/2022 ). We were told that there was NOTHING that could be done. We then asked to speak with a manager ( NOT, Supervisor ). A supervisor ( XXXX ) came to the telephone. We " again '' shared with him that we needed access to our monies today. We were DENIED access to our monies ( " again '', per XXXX XXXX. I shared with XXXX, that I/we are adults NOT, children and we were promised that our monies would be available, today! Instead, of XXXX exuding professionalism, he hung-up on me/us. It is due to XXXX 's unprofessionalism and VERY NASTY BEHAVIORS that we are second guessing our membership with NF Credit Union. At approximately, XXXX, we " again '' phoned NF Credit Union back. We spoke with XXXX XXXX in XXXXXXXX XXXX ) ; who transferred us to XXXX an Advance Account Supervisor for Resolutions. Again, XXXX Representative REFUSED to give us access to our monies ( citing, the XXXX day hold period ). We shared with XXXX that this was a EMERGENCY! According to XXXX, our EMERGENCY didn't matter to NF Credit Union. According to XXXX, our requested {$500.00} EMERGENCY funds request didn't matter, either. According to XXXX, the bank was unable to process any HELP to our EMERGENCY issues ( although NF Credit Union 's Representative XXXX mislead and FAILED to properly instructed us. More importantly, NF Credit Union mishandled and REFUSED to DISBURSED, our monies as promised ( via our attached/scanned NF Credit Union ATM receipt dated, XX/XX/2022 ). For the record, we do NOT need this type of unprofessional customer service in OUR LIFE! According to NF and NF Representative XXXX, we have to wait, until Tuesday, XX/XX/2022 for our monies to be deposited into our account. I am DISPUTING, NF mistreatment, mismanagement and intentional BIG LIE! This is a formal complaint. And, it is important to document and record, that XXXX hung up on me, too ( without, cause )! I want to say, NF 's management staffer 's need better training in customer service. I DO NOT AND WILL NOT, SUPPORT THIS TYPE OF BEHAVIORS! I DIDN'T SIGN-UP FOR THEIR UNPROFESSIONALISM. ( XXXX ) @ XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Complaint Against Navy Federal I deposited a check from my XXXX Provider via ATM on Monday Night ( XX/XX/XXXX ) around XXXX. The check amount was XXXX. The bank made XXXX available immediately. The remaining balance is typically deposited within the next business day - XX/XX/XXXX. ( XX/XX/XXXX ) Around Noon, I discovered the remaining XXXX had not yet been placed in the account. I called Customer Service to inquiry when the funds will be available, per the 1st Customer Service Rep the funds will be available on Thursday ( XX/XX/XXXX ) Later the same day I called back to Customer Service to see if the funds can be pushed through because I was trying to pay bills as soon as possible. According to the 2nd Customer Service Rep- he is unable to push the funds through immediately however the funds will be available after XXXX. At XXXX pm, I checked my account and the funds were available. ( XX/XX/XXXX @ XXXX ) I checked my account again and the funds was available. I immediately start paying bills. I paid XXXX credit card bill, XXXX XXXX bill. I attempted to pay my XXXX XXXX but the transaction was declined. I was confused, so I checked the funds in my Navy Federal Account and it showed XXXX. I became upset and confused. So I called Customer Service. XXXX XXXX stated is negative and the system has removed the funds from my account and the funds will not reappear for another 4 days. I became extremely upset and asked to speak with a XXXX. Spoke to XXXX XXXX XXXX XXXX ) and she simply reiterated everything the Customer Service stated. I don't understand how the system made the monies available then REMOVED the funds as I was paying my bills. Since XX/XX/XXXX, I have spoken to a total of XXXX Customer Service XXXX and XXXX Supervisors. NO ONE has removed the block on my account and the bills I paid has been returned as insufficient funds. I was previously told my XXXX - the transactions will clear when the funds reappear & THE TRANSCTIONS WILL NOT BE RETURNED AS INSUFFICIENT. According to XXXX XXXX XXXX XXXX Supervisor ) The reason the system removed the funds is because Navy Federal received a notification from the Federal Reserve that my XXXX Check was a potential fraud. I have requested a copy of the notification from the Federal Reserve and NO ONE has provided a copy. As of today XX/XX/XXXX - my account is still negative XXXX and I'm still waiting for the remaining funds to become available in my account. The transaction for my Credit Card XXXX and the XXXX XXXX has been returned.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
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: I have filed a dispute with XXXX, XXXX and XXXX. and they have ignored my concerns. This account is not reporting 100 percent accurate. there for according to the FCRA it needs to be deleted immediately. NAVY FEDERAL CR UNION- Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. I HAVE INCLUDED PICTURES AS WELL. I HAVE ALSO CONTACTED THE XXXX AND ATTORNEY GENERAL. THIS IS MAKING MY CREDIT TO BE HURT AND CAUSING ME TO PAY MORE IN FEES.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Without my written consent, Navy Federal has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$1600.00} and further extort me and cause harm to my credit reputation. Navy Federal has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Navy Federal any written instructions to furnish any information to my consumer report. Navy Federal has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Navy Federal has failed to clarify or correct these billing errors. Navy Federal has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Navy Federal has chosen to punish me for nonrepayment of this extension of credit by closing my account. Navy Federal is not in compliance with 15 USC 1692e. Navy Federal has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to zero further reflecting a XXXX balance owed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92411
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Without my written consent, Navy Federal has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$7600.00} and further extort me and cause harm to my credit reputation. Navy Federal has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Navy Federal any written instructions to furnish any information to my consumer report. Navy Federal has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Navy Federal has failed to clarify or correct these billing errors. Navy Federal has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Navy Federal has chosen to punish me for nonrepayment of this extension of credit by closing my account. Navy Federal is not in compliance with 15 USC 1692e. Navy Federal has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to XXXX further reflecting a XXXX balance owed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92411
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A