Date Received: 2022-06-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Pursuant to 15 USC1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will I allow you to furnish a report on my behalf as a result. You broke the law by furnishing this account on my consumer report. Pursuant to 15USC 1681 ( A ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is not included in a consumer report. This law also states reporting missing or late payments is NOT allowed. Pursuant to 15USC 1692E ( 10 ) using deceptive means to coerce a consumer into paying a debt. You broke the law when you filed a 1099C but continue to ask me to pay on the alleged obligation by actively reporting a " charged off '' account to the consumer reporting agencies and garnishing payments from my bank account without permission. You also broke the law and committed identity theft when you sold my information to CONSERVE and had them CALL and harrass me until I agreed to pay on the alleged obligation. These errors may be assumed to be a willfully intent on misleading or deceiving the consumer of the character/amount of any debt 15 USC 1692e . ALL debt obligations and securities are owed to the United States 18 USC 8.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: So I been calling navy federal for a week reagarding a family member check that was deposited in my account I was at a branch in XXXX Georgia and I brought the people in to prove verification it was verify from what the bank teller told me which allowed me to make a withdrawl and the wait time was two hours so I decided to leave now they want them to reverify again and my relatives do not stay with me I work one of them not feeling good they make it impossible to get remainder of funds they two security teams officers personally close my account for the 4 time this week. These two was very unprofessional one of them was a XXXX and she did not have permission to call them after I told her my situation she ask me very personal questions I felt like I was getting interrogated. She cost me great mental anguish and emotional distress. Her name is XXXX security XXXX XXXX And XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30117
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I WAS LOOKING OVER MY REPORT and NOTICED YOU GUYS MARKED me late ON XX/XX/2017. ACCORDING TO 15USC 1681 ( A ) YOU are NOT SUPPOSED TO do THIS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. Im also aware that once a debt is cancelled, it now becomes gross income. Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness. Was a 1099-C filed on this account? If so, I never received one. I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C. Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2. If NAVY FEDERAL CREDIT UNION has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, in accordance with Basel 3, and UNCITRAL conversions. If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation. Cease and Desist all illegal activities Deletion from credit reporting agencies
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36303
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a refund from Navy Federal Credit Union for my mortgage overpayment. The refund was intially sent in the form of a check. My mail was delayed because I was in the process of relocating. I contacted Navy Federal Credit Union and asked them to cancel the check and deposit the amount in my savings account instead. The refund amount of {$370.00} was deposited into my savings account on XX/XX/XXXX. On XX/XX/XXXX Navy federal credit union transferred this amount to their debt collections department. I never received notification and was never contacted by their debt collection department. I filed a complaint with CFPB on XX/XX/XXXX. Navy Federal Credit Union responded to the complaint by stating that I owe {$13000.00} for a credit card. This is false. I do not agree with the amount Navy Federal is attempting to collect. I never received documentation regarding this debt and was never provided with an opportunity to dispute the debt. The only credit card I had with Navy Federal Credit Union was closed and charged off in XXXX of XXXX. I moved to Illinois in XXXX. The statue of limitations to collect a debt in the state of Illinois is 5 years. I Never agreed to make a payment toward this debt. Navy federal credit union STOLE my refund money from my savings account and fraudulently applied it to a closed credit card account from XXXX to reset the clock for the statue of limitations. I Never agreed to this and was Never notified. My consumer rights were violated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently obtained a copy of my credit report and noticed that there is information reported inaccurately. I disputed these items : XXXX XXXX XXXX, XXXX XXXX XXXX, Navy Federal XXXX Union XXXX. On XX/XX/2022 I mailed out dispute letters to XXXX, XXXX and XXXX stating all 3 of those items were incorrect and if not verified item needs to be deleted and removed. It has been XXXX days and I have not yet received any feed back from all the companies. I need all items to now be deleted and removed. I have been denied credit cards ( to help build my credit score ) a loan program for a home for my children and me. This inaccurate credit report has impacted my life negatively. This must be deleted and removed. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Your credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act, or remove this review immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28570
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-03
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I continue to have issue with Navy Federal Credit Union providing equal access to services offered. I am not allowed to visit the branch, nor speak to anyone via telephone. I also do not have access to a debit card to access my XXXX XXXX payments that are direct deposited. I am forced to transfer those protected funds to my NFCU Credit Card and make full payment of my balance every month. I am not allowed to withdraw these funds to pay for my rent as it is intended. Last week, I discovered more fraudulent transactions on my account. In the previous months Ive been left to investigate this transaction myself. The last XXXX months I have had fraudulent transactions appear fro rental car companies that were not authorized. Considering NFCU denied my claim last year after a rental car company committed a crime by breaking into my home and stealing their vehicle that I had rightfully had in my possession. Due to an error mad by a new employee, my account was notated wrong, but instead of resolving the issue by contacting me, two employees broke into my garage and took the vehicle along with several thousands of dollars electronics and other items that were being kept their to prevent spoiling my daughters XXXX and XXXX birthdays ... these items were their gifts. I never received these items. The car was taken 3 days into a week rental. I disputed the transaction after filing a police report and discovering from the security footage that it was employees of the car company. They also tripled the bill amount from {$500.00} to {$1800.00}. NFCU denied my claim. So, I now try to investigate on my own. And it seems this company or sister companies or their employees have since continued to make charges on my credit card. I discovered last week that they charged over {$900.00} to my credit card that I was forced to pay with my XXXX benefits. I emailed my request to dispute this transaction along with several others. I am not sure why NFCU has yet to cancel and reissue my cards. Instead they continuously freeze my card when I am actually trying to use it... but freely allow other fraudulent charges. They send messages to call and verify transaction, but upon calling inform me that I'm not allowed to call in to speak to anyone. I'm on a constant rat race and suffering severely financially. I do not understand how this is legal. I transferred {$2500.00} to pay off my credit card and then made one transaction before the remaining was taken from fraudulent charges. Not to mention Im charged interest fees that are also paid from my XXXX benefit protected funds. A week later, my fraud claims have still not been filed. My email to dispute these transaction were ignored. But that is my only form of communication that Im allowed in which to contact NFCU. I have no access again to any of y funds. and my protected benefits have once again been stolen from my account. My checking account also has had returned check fees... 7 of them, yet I have not written any checks. Some transactions state that they are for debit transactions... .I am not allowed to have a debit card therefore could not have made these transactions. But have been charged {$29.00} for each of the 7 transactions ... {$200.00} in fees for returned checks that were not authorized. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2022-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A