Date Received: 2022-04-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: 1. Affidavit of Truth Page 1 of 2 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor lender executor, administrator, holder in due course for any and all derivatives thereof for the surname XXXX, XXXX, and I have been appointed and accepted being the executor both public and private for all matters proceedings, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that maybe, I depose the following facts, so be it, now present. XXXX will show through documentary evidence from my initial communication with NAVY FEDERAL CREDIT UNION, they intentionally violated consumer credit laws with a direct intent to violate and harm me a natural person. XXXX will show NAVY FEDERAL CREDIT UNION is intent on ruining my character as a consumer/natural person. XXXX will show at least six serious scenarios where NFCU knowingly willingly and directly ignored federal consumer laws in an intent to. Extort payment on an unvalidated, alleged debt. Punish me for nonpayment of a debt. Falsely represent the amount and character of the alleged debt. Attempt to use unfair and unconscionable means to collect an alleged debt ( repossession attempt ) Communicated with 3rd parties ( consumer reporting agencies ) without prior consent of me the consumer, only to coerce payments, you knowingly and willingly reporting false and or wrong information to destroy the character of me the consumer and natural person. Information reported either violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act or Truth in Lending Act Make false statements and knowingly withhold information during financing to create a debt. Knowingly and willingly attempt to offer contracts with empty and inadequate closures. Third party witnesses to NCFU violations would be XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX, XXXX, and XXXX. I have also filed 1 or more complaints with the named consumer protection agencies notifying them of NFCU illegal tactics. Promissory to pay section : is asking me to waive my legal rights natural person to the rights of demand and notice NAVAL FEDERAL CREDIT UNION is asking for me to take responsibility for a loan, even though the promissory note does not have adequate notice pursuant 15 USC 1602 ( k ). And NFCU can not produce documentary evidence with my wet signature agreeing to violations Agreement Acknowledgement section : clearly acknowledges Truth in Lending its powers and directives as federal law. 1. NFCU WILL NOT grant me my right to rescind this transaction pursuant 15 USC 1635 Right to rescission to certain transaction clearly states : The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with 2 of 2 regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. 2. NFCU has never addressed attached violations ( documents also mailed directly NFCU ). NFCU intent was never genuine and has never shown good faith in granting me right to rescind this transaction because of numerous violations on their part. By doing so there is clear evidence in all affidavits sent by me and documentary evidence, provided by NFCU, that their main intent is to punish me for nonpayment and attempted to extort payment from a natural person and federally protect consumer. 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. In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means, Pursuant 18 USC 894 Collection of extensions of credit by extortionate means. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: i was told my acccount was restricted and i couldnt use my debit card in a year please help this is a mistake
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Navy Federal Credit Union deposited funds into my account between XX/XX/XXXX- XX/XX/XXXX without my written or verbal consent. Then XX/XX/XXXX they took the funds they deposited out of my account. I contacted the on XX/XX/XXXX and was advised that I couldn't set up a payment arrangement. The withdrawal brought my balance to XXXX. I earn {$1700.00} every two weeks. This will cause my family hardship. I have autopayment that come out of my account. Returned payments receive a {$29.00} return fee. Navy Federal Credit Union credited the funds into my account to bring my account balance to {$0.00} when I received the Child Income Tax Credit payments from XXXX to XXXX of XXXX. I did not sign up for this program. XX/XX/XXXX : XXXX XXXX : XXXX XX/XX/XXXX : XXXX ( even though my balance was XXXX ) XX/XX/XXXX : XXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX : XXXX ( Withdrawal )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76052
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: There has been a false deceptive and misleading representation in the contract that NFCU is claiming that they loan me credit which has now lead to a billing error for statement of XXXX XXXX, 2022. The deceptive language has violated my consumer rights under the truth in lending act. They are also reporting late payments which is also a violation of my consumer rights pursuant to 15 U.S.C 1666b.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Navy Federal Credit Union recently revoked my debit card privileges in XX/XX/XXXX. There explanation provided to me by a XXXX was due to XXXX XXXX claims filed 6 months time frame. I opened my account with Navy Federal Credit Union in XX/XX/XXXX. My first fraud claim filed was on ; XXXX {$1300.00} XXXX {$1100.00} XXXX {$240.00} XX/XX/XXXX - {$140.00} XX/XX/XXXX - {$270.00} The fraudulent filed claim was reported immediately, and approved by NFCU. The next Fraudulent claim reported to nfcu was on XXXX {$1100.00} & XXXX {$240.00}, which was denied by nfcu. I reported claim XXXX {$240.00}, which was a continuation of left off unauthorized charges day before, however, it was resulted in a new fraud claim. The last XXXX fraudulent claims filed on XX/XX/XXXX - {$140.00} & XX/XX/XXXX - {$270.00}, was approved by NFCU. Only XXXX fraud claims were actually accepted and approved by NFCU. XXXX of the claims filed XX/XX/XXXX - {$140.00} & XX/XX/XXXX - {$270.00}, are within 6 months time frame. I filed a appeal on XX/XX/XXXX, I provided NFCU a copy of a police report, FTC Identity Theft Report, IRS XXXX XXXX, appeal was denied, which Nfcu XXXX not notify in writing or email. Under the XXXX If you suspect there have been unauthorized transactions involving your accounts, it could be a result of identity theft or a lost or stolen debit card. In these cases, you have recourse under the XXXX. Notify your bank of a lost or stolen ATM or debit card right away. You are no longer responsible for unauthorized use of the card as soon as you report the loss. If you report a lost or stolen ATM or debit card within XXXX days, the XXXX limits your liability to {$50.00}. If you report the loss within 60 days after your statement is mailed to you, you could lose as much as {$500.00}. I have an over draft protection on my account, that I usually have 30 days to bring current, since my debit card privileges has been revoked, NFCU recently sent me a letter informing me that I had to bring my account current by XX/XX/XXXX. My account has only been in a negative status for less than a week. This is unfair and unjust discrimination by NFCU. If you dont report a loss within 60 days you risk unlimited loss. Once notified, the financial institution has XXXX business days to conduct an investigation of the claim. The institution must tell you the results within XXXX days of concluding its investigation. If a mistake was made, the institution must correct it within XXXX business day. Occasionally, banks can take up to 45 days to conduct the investigation, but in these cases, the bank has to give the disputed money back to you until the process is over.
Company Response: Company believes complaint is the result of an isolated error
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent in my police report and my FTC affidavit to the three credit bureaus XXXX Fraud department who asked me to send in my fraud package. After sending to them fraud package they have not replied to anything they have not responded and keep showing fraudulent accounts from these Navy Federal credit union Account XXXX. They then deleted the fraudulent account only to put in on again without notifying me. I then submitted a challenge dispute and then XXXX again and was accused me of being a third party and or hiring a credit repair company basically insulting my intelligence. I went down to the police station and sent in a police report along with my FTC notarized Affidavit. XXXX also accused me of not getting a police report from the police department that is not ture and insulting. The fraudulent account reporting is as follows Navy Federal credit union Account XXXX I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character I appreciate your prompt attention to this matter, and await your reply. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33314
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Navy Federal Credit Union blocked access to my debit card and online banking access, I called to get clarity why my card was blocked and was told I must physically appear at one of their branches to get it unblocked. I stated that I had a XXXX and could not go to a branch in person On Friday XX/XX/2022 I called Navy Federal Credit Union and spoke with someone in security asking to close said accounts because I opened said accounts over the telephone and I will close those accounts the same way. He stated that it's not feasible ; therefore I'm turning to The Consumer Financial Protection Bureau to force Navy Federal Credit Union to use a ethical, fair, and reasonable methodical approach and close my regular savings account. For medical and safety reasons it is in my best interest not to have any more dealings with Navy Federal Credit Union. Please expeditiously remit the refund payment sum total of {$22000.00} Dollars to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78210
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recieved funding through goverment assistance covid-19. And recieved a goverment check for XXXX for deposit into my business account with Navy Federal Bank. XX/XX/XXXX the check was deposited and immediately flagged as a fake check. After reviewing and verifying the check a portion of the funds was released, XXXX and immediately on friday all acounts was froze and closed without warning or notification.When i called to check what was going on they said they had high belief that the check would not clear. I knew this was false because it was a goverment check. After verifing the check was indeed legit, they later said my account was set up wrong for my business account.After sending all the documents to correct they still did not deposit the check. Ater waiting on hold for over several hours they said the check would be returned and the account closed. I asked what day the process would start so i can notify the XXXX loan department and get a reissue of the check they are holding, they said up to & mounths to return the check! after i informed them that this would cause me to defult on the funding and miss the dead lines set for funding that i signed for they refused to give me a number to a complaint department or even a explanation on why the funds was held. I find the only reason they had for not releasing the funds was racially motivated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76017
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I am a victim of Navy Federal attempting to collect a dept. They have taken hold of my accounts including the exempt one which is an CD/IRA that belongs to my kids. I have filed a complaint with consumer financial bureau, XXXX, FTA and I also filed a motion with the court on XX/XX/XXXX for my assets to be released. The judge ruled in my favor and they have refused. They have scared me, bullied me, refused to speak to me and using abuse of power to take my funds to pay of a credit card I accumulated during the pandemic. I am not the only victim in XXXX they were sued XXXX XXXX for improper debt collection and this is the same issue that is happening to me. I was told by an agent called XXXX to call an attorney. She was being sarcastic because I said all my funds are locked up by navy federal. She demoralized me right on the recorded line. This occurred today at XXXX on XX/XX/XXXX. this is the second complaint i have filed against navy federal due to this issue. The consumer Protection bureau is suppose to assist consumers not intimidate them, give them false information and make fun of there issues over the phone. This is completely unethical, unprofessional and embarrassment to the state and the governor himself.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
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: Navy Federal has yet to address a dispute for a billing error that was raised in XX/XX/XXXX. They were sent a total of 4 payable instruments for the balance at the time of both of my accounts. 2 instruments for each account. To date, the payments have never been applied to my credit card accounts. They have yet to acknowledge that they have received it and refuse to send it back in the case that it was not accepted. A negotiable instrument is an acceptable form of payment as there is no money since the bankruptcy of this country in XXXX. Navy Federal continues to state that I owe them money for so-called outstanding bills and repayment of the money they " gave '' or loaned me. However, banks are not allowed to make loans according to 12 USC 83. The disclosures for these transactions have security interest clauses within it. A security interest can not be given to a person if the obligor has not already fulfilled their obligation. I am requesting the original wet-ink signed contract that compels me to perform in regards to this contract. A contract requires 2 signatures in order for it to be deemed valid. I have asked repeatedly for this information and this company keeps sending me a bunch of statements. In the case that Navy Federal can not provide me with the signed contract that I am requesting, they need to stop asking for repayment. I am requesting the return of my {$700.00} down payment, as a cash downpayment is a violation of TILA pursuant to 15 USC 1605 ( a ) and 15 USC 1662 ( 2 ) Please see attachment for affidavit and notice of rescission due in 20 days.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A