Date Received: 2022-04-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: The bank allowed me to open and start an account but denied access later and now i cant get my original deposit
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37091
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: 2mos ago navy federal gave me a 30day late which was there fault and they admitted it was there mistake, they told me I had to fix there mistake on my own so when I contacted you about the 30 day late they did correct it and because I contacted your agency they closed my account and have ruined my credit in the process. I have never been late with them the 4yrs I have had this account. This is a grave injustice to myself and I feel I have been XXXX XXXX because of this. I could see my account being closed if I was constantly late. That has never been the case.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91739
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navy Federal Credit Union show on all XXXX of my consumer reports. The NFCU appears as being late 30 days. Yet the send me documentary evidence that shows me as the original creditor. The documentary evidence shows a finance charge was applied to this alleged debt. 15 USC 1605 Determination of a finance charge ; 15 U.S. Code 1605 - Determination of finance charge. ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. With finance charge being deemed " sum of all charges. '' A creditor or alleged credit has not right to treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, pursuant 15 USC 1602 ( l ). The existing device used as a credit card in this transaction was my social security card. Remove all late payments immediately
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; Navy Federal Credit Union I am requesting the accounting history of my alleged debt pursuant 9 -210 Request for Accounting : Request regarding list of collateral or statement of account. The reason for this request is because during my validation of debt request, NFCU sent me the name and address of the original creditor pursuant to 15 U.S.C 1692g. The documentary evidence I received from you, named me the original creditor ; it contained may name, address, without my signature. Please produce a signed copy of the promissory with my signature, agreeing to terms. The documentary evidence also shows a positive balance on my NFCU account, with an attached disclaimer saying Your account information is being provided for informational purposes only. Providing you with this information is not an attempt collect a debt. Account balance is positive, like you funded my account. But you report negative and inaccurate ( LATE PAYMENTS ) information to the XXXX major credit bureaus, which is a violation to Truth in Lending of 15 USC 1666b Timing of Payments, documentary evidence shows that there was a Finance Charge connected to this transaction. Pursuant 15 USC 1605 Determination of a finance charge, 'the finance charge is the sum of all charges '' so there should be no late payments, you were paid in full at time of this transaction. Remove all late payments immediately/produce signed copy of promissory note with my wet signature. Banks/Financial Institutions dont have the ability or power to loan money. Pursuant 15 USC 1602g, I am the creditor. Federal law of courts and various judgements have made it clear banks cant loan money they only borrow from consumers. Banks are in the business of purchasing securities, but in this case, there is no securities interest to be purchased. And pursuant 12 U.S.C. 1431 Powers and Duties of Banks, banks/financial institutions cant loan money. This is why I've asked for debt validation pursuant to federal consumer law. The process only gave me clear verification that I am the original creditor. The documentary evidence/accounting I am asking for will show this debt is already paid for or never existed. This alleged debt originated from my SSN card, which is a existing device use for credit. What is the universal document youre asked for in every consumer credit transaction i.e. credit card, mortgage, car loans? 15 U.S.C. 1602 ( l ) The term credit card means any card, plate, coupon book, or other credit devise existing for the purpose of obtaining money, property, labor or services on credit. My SSN belongs to the social security administration, and anything purchased with my social is the obligation of the United States, thats pursuant 18 U.S.C 8 Obligations or other securities of the United States. XXXX will be happy to settle any financial obligation I might lawfully owe as soon as I receive the following documentation from you ; Accounting pursuant UCC 9-210, Validation of debt pursuant to 15 U.S.C 1692g, of the Fair Debt Collection Act. The actual accounting, verification of the claim against me. A sworn affidavit or a hand signed invoice in the accordance of the Bill of exchange act 1882 Uniform of Commercial Codes Federal Fair Credit Reporting Act and the Georgia State statues of lawful purposes. The copy of a contract signed by both parties, birth parties and therefore binding both parties, please also provide me with a true and certified copy. Not a photocopy of the original note credit agreement under penalty of perjury and the unlimited liability and confirm the note has not been sold. Please also confirm the name of the individual who is the duly authorized representative from your company who has carried out the due diligence under the money laundering regulations XXXX and what actions he has taken in relations to this account. I hereby have given you 10 days to reply to this notice, from the above date. With a notice to send the recorded post, signed under full commercial liability and penalty of perjury assuring and promising me all the replies and details given to the above request are true and without deception, fraud or mischief. Your said failure to provide the affirmation documentation within 10 days from the above date to validate the debt will constitute in the agreement to the following terms that the debt didnt exist in the first place or the has already been paid in full. And that any damages suffered you will be held culpable, and any negative marks made to a credit reference agency will be removed immediately. You will no longer pursue this matter any further and you agree to pay all fee schedules. Please note I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone, should you do so I must warn you that calls could constitute harassment and I may take action under Section # 1 of the Protection of Harassment Act 1997 and the Administration of Justice Act 1970, S40, which makes all criminal offense for the creditor or a creditors agent to make demands for money which are aimed at causing alarm, distress, or humiliation because of their frequency or manner. 1. Validate this according to 15 USC 1692g 2. Remove any all late payments 3. Remove Nave Federal Credit Union from my consumer reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Navy Federal Credit Union provides a grace period to pay your mortgage payment that is due on the 1st of each month. The grace period before being charged a late fee is the 15th. They keep calling after a day of being late and say that it is just a courtesy call. It is harassment because they continuously call even after being told I am going to pay them before the 15th.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had all of my accounts restricted due to having someone send a transfer from their account to mine. I have reached out to NFCU more times than I can count over the last 2 years about getting this issue resolved. Originally, they told me they needed verification of the transfer, in which she called NFCU to verify as well as NFCU contacting her bank to verify. From there they kept telling me that the funds would be released soon. Finally, they told me about 4 weeks ago that they would release the restriction and give me access to all of my accounts and money once my negative balance in one of my accounts was settled. This negative balance was an error on NFCU end, in which I did an appeal for the money due and they finally restored access to my bank card and online access. They restored access to all of my accounts with them except my account with the funds that I had received. I asked them to close out the accounts with XXXX balances, which they did but I have still yet to receive access to my account with money or to the money at all. Over the last 4 weeks they have been telling me that the money would be available to me " soon '' and that it is processing, but it has been around 2 years with them telling me the same thing and coming up with another issue to not have access to my money. I asked them to transfer the money to my joint account which has not happened. Anytime I call they say the money is processing and that they don't know why it is taking so long and to come in in 2-3 days. I have been told to just wait and follow up every time I speak with them with no clear answer as to why I still do not have access to my funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My credit Card was charged off for 2-3yrs. The pandemic started and I lost my job and have been unable to make any payments. I received my stimulus and tax refund for my kids to get us out of XXXX onto my XXXX card and transferred it to my NFCU checking and then into savings. {$4600.00}. I finally found a home For me and my XXXX and when I went in the account to transfer the money out my savings to pay my deposit and 1st mo Rent I noticed they took {$4000.00} and left me with {$600.00} which I can not pay any of my priority bills with therefore leaving me and my kids XXXX yet again. I reached out an the counselor in that XXXX asked me to send him proof that this was my tax refund/stimulus and hell reverse the payment. I sent it that same Day and I have yet to receive my money. The govt gave this stimulus money for pandemic relief. NFCU offers pandemic relief for their customers. How can you offer pandemic relief but be the cause of financial Hardship?!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Navy Federal Credit Union, refused to comply with my choices in regard out line in the deeds in foreclosure back to the mortgage company whereas, I were granted, furthermore, as outlined I choose to bi-pass bankruptcy and will be cover and protected from it penalize ... and those reoccurring calls of harassment, etc.will avoid me from wrong judgment. I'm divorce never want to get married again, independent, and self living along as the retiree of federal government worker in medical wise conditions on the job related issues, etc, citizens class of senor in area of criminalized, surrounding and outwardly area in the state of TexasXXXX XXXX additional , the all damages done were hindsight behind my back with no cooperation to gathers information for conviction i.e.persons involved what will surely refer as haters crimes, and wrongful patrices over become successful single... XXXX male..whom been XXXX for many, many years and counting .....
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78227
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed that my credit was run without my authorization. I just wish for the inquiry to be removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95821
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Do to these unauthorized inquiries on my credit report iam unable to obtain a auto loan to buy a car due to the unauthorized XXXX inquiry that was taken place on my report XX/XX/22 and the unauthorized inquiry that was taken place on my report on XX/XX/22 Im unable to obtain any credit
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A