Date Received: 2022-05-30
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I received a call from Navy Federal Credit Union in regards to making a payment on my account. The reason I was unable to make the payment was because Navy Federal Credit Union restricted my account and I'm unable to make payments which is unfair to I, the consumer. They accused me of fraud when all I did is help my family members and friends apply for their credit products. The reason why federal credit unions were put in place under the Federal Credit Union Act were to help people who are unable to receive credit from banks. There is a large amount of the minority population that do not understand this. As an informed consumer, I know my rights and did nothing but help my people who were in need. Your money is from the federal reserve and is reserved for me. They also restricted my credit cards so they have the accounts open and I can't even use them. They are charging me interest on cards that I can't use. They also held my money and gave me no way to access the funds as all of my cards are restricted. So in order to make the payment, I would have to call them every time to do so. Under truth and lending, 15usc1666b ( a ) " a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the due date. '' I have never received no documentation from navy federal and if they claimed to have delivered it online, I had no access to this document, therefore it wasn't delivered to me. The late payment is on the date of XX/XX/2022. I spoke to a manager from XXXX XXXX named XXXX and she claimed to say they had a confusion of my address on file. I have proof that they do have my address on file, because the recently sent a bank statement to me with the money that they've been holding. She also didn't give me information that I could dispute the late payment with the creditor directly which is a violation of the Fair Credit Reporting Act. My account was restricted, my credit cards remained opened and unable to be utilized. There are more violations that were violated but I don't need to list all of them. I will attach proof that they do have my address on file and did not deliver the documents necessary to put a late payment on my report and well as proof of the account being restricted so I'm unable to access any digital documents delivered as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022, XXXX, the debt Collectors for Navy Federal Credit Union ( NFCU ), offered me a settlement in the amount of {$2600.00}. The terms were to be paid in the amount of {$290.00} monthly until paid as agreed. I made an initial payment on that same day via XXXX visa. I made other payments via my NFCU checking accountand the final payment of {$1700.00} on XX/XX/2022, via XXXX visa. The account has been paid as agreed. I contacted NFCU several days after my final payment to confirm that their system reflected that I had paid as agreed, but the system had not updated the current payment status. On XX/XX/2022, I disputed the inaccurate info on my credit report. XXXX subsequently notified me on XX/XX/2022, that my dispute was completeyet, No changes had been made to the inaccurate information. To date, NFCU still has me owing them $ XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Navy Federal 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: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Started the end of XXXX with Navy Federal to refinance and create a new VA mortgage. The loan officer was inexperienced and rarely returned my calls or emails as the process dragged on. The loan was supposed to close at the end of XXXX. I did finally close on Tuesday, XX/XX/XXXX. I had to pay the my XXXX mortgage and other XXXX bills as the days went by. The day before I was supposed to close, XX/XX/XXXX, I was told at XXXX XXXX that the loan processor forgot to inform me that I needed a water well test required by the VA. I was leaving for a planned vacation the next day which delayed the process again. It was a requirement of the mortgage company to do this and an unacceptable oversight. I was forced to pay additional interest on the loans that were to be paid off as a result of the refinance not to mention the daily stress trying to get a resolution. I am a US Veteran and I can't be more disappointed with the treatment received from Navy Federal. They are still asking for documents two days after closing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21144
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I dont have the exact dates but a few weeks ago I called to get HELOC checks sent to me as Im doing home repairs. I never got them in the mail and XX/XX/XXXX I get an overnight fee ex package from XXXX XXXX from XXXX XXXX XXXX, XXXX VA XXXX. The checks enclosed were for a different customer, which means I have another customer checks, routing and account number in my possession. I called on XX/XX/XXXX to report thisthey said they will log a fraud claim and have someone call Me back. Its now XX/XX/XXXX and I have not gotten a call. I called today XX/XX/XXXX and kept getting transferred and no one seems to know the information I reported. I need my checkswere my checks sent to someone else??? Any information????
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XX/XX/XXXX XXXX sent me my results regarding two different accounts XXXX XXXX navy federal cr union XXXX updated navy federal and verified XXXX XXXX while looking over my results XXXX provided to me I am in disagreement that a investigation was done properly and I believe these data furnishers didn't investigate these accounts to begin with. Navy Federal did NOT notate a NOTICE OF DISPUTE and they did NOT even report to XXXX to begin with. the last time navy federal reported any information was XX/XX/XXXX. These results were generated XX/XX/XXXX XXXX this account was not properly investigated and I did NOT receive any type of notice of dispute from navy federal either. FCRA states when a consumer reporting agencies receives information regarding a dispute from a consumer they must send the data furnisher all disputed information in order for them to do a investigation and when the data furnisher has completed their invsestigation the data furnisher must send a notice of dispute to the consumer proving they dispute with the consumer reporting agencies with their findings and that notice MUST be notated in the credit report " the remarks '' section. when it comes to XXXX XXXX, XXXX has Verified this account as accurate. now I have already responded asking for the procedures that were done under 15 u.s.c 1681i ( a ) ( 6 ) ( B ) ( iii ) with a tracking number. so I am awaiting for that answer in 15 days once they receive it. but take a look at the way XXXX reported this account AFTER they claim to have Verified this account as accurate. First, this data furnisher XXXX XXXX DID NOT report on this account since XX/XX/XXXX proving to me that this data furnisher DID NOT do a investigation to begin with, because this date would have been changed upon them verifying this account with XXXX. the remarks section also DOES NOT specify a recent investigation was done either. even if XXXX wants to come back and say that remark is a notice of dispute, the date updated proves that the remarks section is outdated because this data furnisher never investigated this account either. XXXX is in violation and so are these data fursnihers. I have brought these accounts to their attention based on errors, XXXX has provided me with written results as well as other consumer reporting agencies, only to justify them trying to complete their investigation in a timely manner, but that does NOT make a excuse on why these accounts were never investigated by these data fursnihers to begin with. and if these data furnishers come back and say they have did a investigation then my question is were are my notices of disputes regarding their investigation then, if they can report on my private consumer disclosure reports and they have my address what's the excuse for them not sending me this simple requirement docuement? these are not FCRA requirements and these data furnishers and XXXX are in non compliance and are responsible for the following violations. 15 U.S.C 1681c ( f ) ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) 1681s-2 that information regarding a consumer who was furnisher to the agency is disputed by the consumer, the agency SHALL indicate that fact in each consumer report that INCLUDES the disputed information. 15 U.S.C 1681s-2 ( a ) ( 3 ) ( 3 ) DUTY to provide notice of dispute. If the completeness or accuracy of ANY information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 15 U.S.C1681e ( b ) ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to ASSURE maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C 1681s-2 ( b ) ( E ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified AFTER ANY reinvestigation under paragraph ( 1 ), for purpose of reporting to a consumer reporting agency only, as appropriate based on the RESULTS of the reinvestigation promptly- ( ii ) DELETE that item of information ; or ( iii ) PERMANENTLY block the reporting of that item of information. Under 15 U.S Code 1681s-2 ( a ) ( 2 ) ( 2 ) Duty to CORRECT and UPDATE information. A person who REGULARLY and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer and Has furnished to a consumer reporting agency information that the person determines is not complete or accurate, SHALL promptly notify the consumer reporting agency of that determination and provide to the agency ANY corrections to that information, or any additional information, that is necessary to make the information provided by the person to the angency complete and accurate, and SHALL NOT therafter furnish to the agency ANY of the information that remains not complete or accurate. 623 15 U.S.Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies DUTY of furnishers of information to PROVIDE ACCURATE INFORMATION PROHIBITATION Reporting information with ACTUAL knowledge of errors. A person SHALL NOT furnish ANY information relating to a consumer to ANY consumer reporting agency if the person KNOWS or has REASONABLE cause to believe that the information is INACCURATE. Reporting information AFTER not and CONFIRMATION of errors. A person SHALL NOT furnish information relating to a consumer to ANY consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, INACCURATE. 15 U.S.C 1681 ( a ) ( 4 ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumer RIGHT TO PRIVACY. 15 U.S.C 6802 ( b ) ( b ) OPT OUT In General A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( the consumer reporting agencies ) unless- ( A ) such financial institution CLEARLY and CONSPICUOUSLY disclosed to the consumer, in writing or in electronic form or other form permitted by the regulations prescribes under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, ( I have a chance to say no ) before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( information needed to be expressed before my information was reported. )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
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 applied for a mortgage loan. I was told my score did not qualify. I challenge the creditors and was told I had to deal with the credit bureaus. I had to have a certain score!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: So far I found XXXX bank accounts either opened or attempted to open. Credit cards used. Auto loan attempts I can't access social security file any more or my IRS file. My IRA account was emptied there are surity bonds that I didn't sign for. Appts rented etc I also have people logging into my browser XXXX XXXX accessing my photos and publishing them. I just went to XXXX for it pled guilty because I couldn't fight it from in there but have proof I didn't do it. But know one cares
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My husband and I submitted a deposit on Monday XX/XX/2022 at which time we were told that {$220.00} would be available immediately and the remainder on XX/XX/2022. On XX/XX/2022 I received an email stating it would now take five days with no explanation. When I checked our account it was negative {$100000.00} which should not have been the case. I spent an hour on the phone with Navy Federal to no avail. I was given no legitimate reason for this error or my funds being held. I have screenshots of the receipt given in the initial deposit and one of the account negative. Navy Federal has done this to me on several occasions with checks. But it usually is resolved without incident. It shows the deposits as posted but not added to our balances.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21216
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I went to Navy Federal when I wanted a company to stop charging me, they continued to allow the company to charge me, and when I filed a fruad report with navy federal they gave me my money back, and reversed it after they rejected the claim. Here is the issue, I asked Navy Federal to stop allowing the transactions and they continued to allow it to the tune of XXXX. My other bank ended up sending me a check for XXXX and an apology for not helping me. Navy Federal decided to sue me, after knowing this scam was going on and did nothing to help me. They sent one letter offering a settlement of XXXX, but never a bill or allowed me into my account. They took XXXX that was for my secured credit card and still are suing me. I can not even login to my credit card to make a payment and when I called today, I was hung up on and the guy informed me he could not even speak to me about my credit card. So, what is next they get to sue me for my credit card they wont even allow me to login and make a payment on?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A