Date Received: 2022-05-22
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 XXXX XXXX XXXX / XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a 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: 28270
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act, XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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: 28216
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX - Navy Federal Account # XXXX, has violated my rights. Charged off in the amount of {$13000.00}. Date Opened Date Reported Closed Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with fair credit reporting act XXXX account XXXX XXXX XXXX XXXX, navy federal cr un, XXXX XXXX, has violated my rights. 15 USC 1681 section 602 state I have the right to privacy 15 USC 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 a purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33328
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The complaint is that my credit card accounts are being returned when I paid them off. I believe I am a victim of identity theft and the person is using my credit card accounts to take money off once I have paid the bills on them. It has affected my credit as well, with the recent drop in a credit score of XXXX points from all three agencies. The money has not been sent back to my bank account and I have checked multiple times in my account. The funds have not been returned. I have been getting fraud numbers from credit card companies posing as credit card companies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30035
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: 2022-05-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NAVY FEDERAL CREDIT UNION has filed a 1099C with the IRS an still attempting to collect an alleged debt after selling the debt to a third party debt collector. ( which is fraud ). NAVY FED is in violation of 15 USC 1692a ( 2 ) and 18 USC 894. NAVY FED knowingly furnishing fraudulent information is in violation of 15 USC 6821 ( a ) ( 2 ). 15 USC 6823 ( a ) says that whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprsoned. NAVY FED does not have my permission in writing or verbally to report information on to my federally protected consumer report. I have informed the CEO several times of their fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36303
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2022, Navy Federal Credit Union claims that they have withdrawn my application for a VA XXXX XXXX XXXX due to my failure to provide required documentation. The bank stated that a Notice of Incompleteness was issued on XX/XX/2022. The two issues that the bank claims led to the loan application being withdrawn were my income and XXXX XXXX service information along with an intent to meet the VA occupancy requirement. I consulted with the VA XXXX XXXX XXXX, and was advised that there is no occupancy requirement from the VA for a home loan assumption. Further, if there was an occupancy requirement, then I would have satisfied the requirement since I am currently on XXXX XXXX military orders away from my XXXX which is where the property that I would be assuming is located. For the XXXX XXXX service XXXX, I provided the lender with a copy of my XXXX which showed an XXXX date of XXXX. This should have indicated to underwriting that my base pay is stable and reliable. All of the documents that were requested were provided on time or a reference was made to the VA pamphlet XXXX to show where the documents were not required. The lender did not provide any opportunity to submit additional documentation in order to continue processing the application. They withdrew the application without warning and stated that the only recourse would be to restart the application from the beginning and resubmit all of the documents again to underwriting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navy Federal Credit Union is reporting inaccurate information on my credit profiles to the credit bureaus. If you view the attached image, you can see that the account number, date opened, highest credit limit, and date last active are showing something different on each bureau. This is a direct violation of the Fair Credit Reporting Act and according to the FCRA this account must be removed IMMEDIATELY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A