Date Received: 2022-04-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( collection name ). I find that strange since I don't recognize this account neither am I liable for it at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper verification of this alleged collection. I have also sent out debt validation letters to the CREDITOR to VALIDATE this alleged account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ) I begged the creditors to Please provide me with the following information : 1. State what the money you say I owe is for 2. How did you come to determine that amount 3. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe 4. Show me the proof that you are licensed to collect in my state ; provide your license number 5. Provide me with proof that the statute of limitations have not expired 6. A valid, legible copy of the agreement stating the debt and interest charges However, this unvalidated negative account is still impacting me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32608
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX, the companies listed have 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
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Getting a line of credit
Subissue:
Consumer Complaint: This is addressing the loan I requested and they denied it. There is I feel, subjective inferences in relation to the denial of the appeal. Their reasoning was excessive credit obligations n relation to income. This is why I feel there is subjective reasoning for this. The loan that I requested was not in addition to a current loan that I have with Navy Federal, a signature loan, I wanted to request a loan to pay off the loan that I have, a signature loan that I have with 38 months left at XXXX $ a month. Once I obtain the new loan, it supersedes or pays off the signature loan, with additional funds I requested and the pay off is in 36 months, and that rate was at a lower percentage rate. This would not change what I basically have right now. Now what would be the difference if I added collateral? Does that change the dynamics because if it does this is a fake system. So l would like to proceed with collateral. I have a credit score of XXXX.that proves I am creditworthy. I was never late with any payments owed to XXXX. Like I said I was with this camp for 30years. Im really curious how they determined this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I started Navy Federal Credit Union when I was XXXX XXXX in the United States XXXX XXXX. They granted me two loans XXXX XXXX XXXX and a XXXX loan for a XXXX XXXX ok. I said yes I would pay you back with whatever I had to do I was gon na pay them. So after I got out of the service, I joined the reserves and was almost done paying the car off. I received a bonus from the service I worked hard for it and they put me through alot to get it trust me. Im thankful. As soon as I did I went down to Navy Federal with my lover in the car ill never for it. Took the money out of the atm went in and paid my balance. I asked the teller 3 times I wanted to make sure that all my accounts are clear and she yes. I gave then XXXX dallors cash and I was told my loan for the vehicle was settled. The address was XXXX XXXX XXXX, XXXX XXXX, SC. This was in 2010. I had a discrepany with them because this debt was also showing up on my credit report and we had a big dispute because I did actually pay off my accounts. After I paid Navy Federal off I did want another loan from a major bank just local dealer. Im XXXX, I stand by my word and I have nothing to lie about. I went to the bank 2 days ago to open a checking account and I was told I couldnt because of the loss on the cars and bank account. Ok what kind trick they pullin they arent updating their systems.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NAVY FEDERAL CR UNION Date opened XX/XX/2019 Amount {$22000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 18951
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was contacted repeadtedly adter hours in XXXX and XXXX. My income decreased and I told Navy Federal, I could not afford to pay what they wanted me to pay, which was over {$300.00} per month. They woud not negociate a payment i could afford. So I stopped communicating with them. I was contacted by mail once from their attorney a year later, XX/XX/XXXX. I attempted to negociate a payment I could afford, again nothing. I owe {$20.00}, XXXX. I just so happened to look myself up in the Maryland Court System and saw a lawsuit was filed against me on XX/XX/XXXX. No one ever contacted me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Requesting for someone to contact the intuition to verify a simple payroll check. Greetings Inform them that my payroll check has been pending for three days. Faced a huge issue due to this, unable to pay anywhere and also not able to do any kind of transaction. I spoke to multiple Customer service Reps, after being neglected and feed fluff on multiple occasions. The last couple reps were kind and explained the matter. I've have experienced in digital support banking and understand the process, however the actions of The supervisor was unjust and not amenable.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30224
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have a auto loan for a car with Navy Federal. I don't even own possession of the vehicle with the account they have me associated with that is still open. 1. Account is reporting with 3 different amounts of high credit. If this is the same account being reported by the same creditor, why are my Navy Federal Account, XXXX XXXX Account, and my XXXX account have different amounts? 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.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Got a loan from navy federal for car got the check went to a dealer give them the check was told to come back to get the car no car no check or nobody when I returned.I call navy federal they told me to make payment until they figured it out I did until I couldnt anymore so I called back and they told me they tracked the car inTexas they knew I never had a car nor cash a check but says I was still responsible and that been like 6 years ago
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX This is discrimination! YOU BROKE THE LAW!! Dear Navy federal credit union On ( XX/XX/XXXX ) I used my credit card as defined under 15 U.S.C 1602 ( a ) ( 1 ) To extend myself credit through your company. I was denied on ( XX/XX/XXXX ) I received an adverse action letter from your company attempting to explain why I was denied. This was clearly an act of discrimination pursuant to 15 U.S.C ( 1691 ) ( a ) ( 3 ). I in good faith excercised my right to extend credit as a consumer, and a creditor and I was denied for no specific reason. You also violated federal law and you will be hold civilly and criminally liable because you violated 15 U.S.C 1602 ( a ) ( p ) you used my credit card with no apparent authority, and I the card holder and consumer received no benefit. You are now civilly and criminally liable under. 1.15 U.S.C ( 1611 ) 2. 15 U.S.C ( 1640 ) 3. 15 U.S.C ( 1691 ) ( e ) 4. 15 U.S.C ( 1642 ) To preserve the judicial economy, and save us both time and money in court. I am willing to settle this matter for the following. Extend me the credit I applied for! Reference # XXXX If you fail to comply I will not just stop at a civil complaint I will file a criminal complaint against your company as well. I am giving you 30 days to respond to my demands.. This letter is also being CC-To the CFPB and CC- To the attorney general.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A