Date Received: 2022-06-02
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: This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
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: " I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Navy Federal failed to notify me when at its sole discretion, decided to place an additional holds on the XXXX checks that I deposited into my business account. On XX/XX/XXXX I deposited via the mobile app into my business account XXXX checks in the amounts of {$5700.00}, {$6100.00}, and {$7300.00}. Navy Federal emailed me XXXX separate emails regarding the XXXX deposits on XXXX on XXXX that I would receive funds within 2 business days. When I called that Friday evening to see why I hadn't received the funds I was told an additional hold had been placed. Due to the weekend and the XXXX XXXX XXXX I was unable to get someone from the business department on the telephone to get an answer on why this had occurred. No one could answer me why I wasn't notified and the actual branch manager that I spoke with in person on XX/XX/XXXX wouldn't acknowledge that Navy Federal made a mistake in failing to notify me of the change .Navy Federal did not communicate to me of any changes via email or through my portal. As of today XX/XX/XXXX I still have not received an actual email from Navy Federal stating the change to a 5 day business hold and can only go by what the different customer service reps have informed me. I was told on XX/XX/XXXX that funds would be released on Friday XX/XX/XXXX. Navy federal hasn't followed its own policy.I have tried to resolve this with Navy Federal and they have basically ignored me. I understand Navy Federal, at its sole discretion, may place an additional hold on any item for a reasonable period until the settlement of the item is deemed to be complete. However the failed to notify me of the delay to my ability to withdraw funds and they failed to notify me on when funds will be available. I am supposed to receive electronic communications.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
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 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states 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: 30274
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
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: " I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: To whom it may concern : Back in XXXX of XXXX my credit card was lost or stolen and some one has run up a balance of {$9400.00}. I contacted Navy Federal Credit union to report that card was missing and charges were not made by myself or anyone I know. NFCU posted a provisioning credit for the time being. On XX/XX/XXXX I've received a letter from NFCU stating that there were no billing errors occurred and the provisioning credit will be reversed on XX/XX/XXXX. I tried contacting and writing to NFCU ever since with no luck. I would like to appeal the decision and would like to know exactly which criteria was used to determine this outcome. Because I have proof to verify that I was nowhere near those location where the credit card ending in XXXX was used. Sincerely, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Navy Federal Credit Union is my primary bank and I have had a previous primary and investment mortgage with this financial institution therefore I wanted to continue doing business. I submitted an application in XX/XX/XXXX to refinance my current conventional mortgage into a Veteran Administration mortgage. I received a letter denying the refinance XX/XX/XXXX because Navy Federal Credit Union noted that I did not meet Veteran Administrations guideline for 6 months consecutive payment since I had made a year advance payment on my current mortgage after receiving proceeds from a previous home sale. On XX/XX/XXXX, Navy Federal Credit Union mortgage processor, XXXX XXXX, asked me to contact my current mortgage company and request an account activity statement which would reflect how the payments were distributed monthly. I provided the account activity statement to her via email the same day. I then contacted Veterans Administration home loan department and the underwriter I spoke with stated that the " 6 consecutive payments '' requirement is onlyapplicable if it is a VA to VA loan. In my case, my current loan is conventional and I am refinancing into a VA loan. The underwriter provided VA circular # XXXX on page 4 which I also provided to XXXX XXXX via email. She then tells me that their institution also has to consider Government National Mortgage Association ( GNMA ), Page 7, subsection ( d ) ( i ) and ( d ) ( ii ). Which basically is the same consideration for 6 consecutive payments. The account activity statement satisfies how the payments were consecutively allocated towards the mortgage on a monthly basis which meets the guidelines for Veterans Administration and Government National Mortgage Association therefore I am requesting an objective third party review.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38305
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: first order of business my credit profile is reporting addresses that are not associated with my social security number, i would like them removed from XXXX, XXXX, and XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX also XXXX is reporting that I have applied for two XXXX XXXX XXXX XXXX ( 2022 ) that was false, but that information has been posted on my credit report i would like it removed i did not make those inquiries. navy federal card inquiry ( 2022 ) i need it removed XXXX is refusing to honor my wishes
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Im 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 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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: NC
Zip: 27403
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I recieved a letter from Navy Federal Credit Union ( NFCU ) dated XX/XX/2022 stating that I had been denied a line of credit after I've submit and application on XX/XX/2022 for the purchase of a used automobile. The letter also informed me of my " credit score '' and the day they made a consumer report inquiry. The letter also stated that they " are unable to give specific reason why we denied credit to you. '' This leads me to believe that this is a discriminative action due to my heritage. This is a direct violation of 15usc1691a ( 1-2 ) I am of the XXXX XXXX XXXX and we are often treated unfairly. Their action of " denial of credit '' also is a direct violation of my federally protected consumer rights according to 15usc1681m and 15usc1691d ( 6 ) ( Adverse Action ) 15usc1681n ( willful non-compliance ), and 15usc1681o ( negligent non-compliance ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A