Date Received: 2022-03-08
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I have still yet to see Navy Federal fully follow the laws completely. I XXXX XXXX did get there response stating that they will CEASE & DESIST communication with me, however you still havent fully followed the laws laid out for you. THE FCRA Tells you that a consumer report is essentially the COMMUNICATION of information regarding a consumer. I XXXX XXXX AM THE CONSUMER. The FDCPA also defines what communication is 1. Telephone, 2. A letter in the mail, 3. Social Media, 4. Email, 5. A CONSUMER REPORT. They have not yet ceased all communication from step 1 to step 5 after i demmanded they cease & desist all communication with me or any third party company or agenc regarding my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This letter is a follow-up to my original letter dated date regarding an inaccuracy on my credit reports, regarding Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a 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. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for credit and was denied, my denial letter is proof I was discriminated against. Navy Federal should recitify this affair and compensate me for the use of social security number. Otherwise this would be considered unauthorized use as I have received no benefit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: According to a recent phone call with the collections department of Navy Federal Credit Union, my last payment made to them for my previous revolving credit account ending in XXXX was in XXXX of XXXX. NFCU claims that my balance on said account at that time was {$26000.00}. They locked that account for identity fraud in XXXX as someone I don't know called on my behalf. The balance then was less than the limit which was {$23000.00}. They did not allow me to make payments, which were made faithfully since the account was opened, via my online account as it was frozen also. Their claim was I needed to come to the nearest branch in person with two forms of ID to make cash deposits for the payments from that point forward. The nearest branch to me was in XXXX, OH over 3 hours away. They would also no longer provide me with account statements as they were paperless and I could no longer access my account online. I feel that was against the law and I reached out to them about this and was met with no solution or even acknowledgement. I wrote to them as they would no longer communicate with me by phone at that time. I continued to make payments into XXXX but stopped as they refused to give me any kind of account statement or balance. My complaint ( s ) are as follows : The refusal to give me an account statement as well as why is the account being continually charged off from XXXX of XXXX until XXXX of XXXX. According to my XXXX credit report ( attached ) NFCU has reported the account as 120 days late in XXXX of XXXX and charged off in XXXX of XXXX which conflicts with what they told me on the phone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
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: At this time, This company has not provided any factual proof or validation pertaining to my factual consumer complaints. not only that but has been reporting inaccurate information ALL WITHOUT MY CONSENT. They have not provided the correct title instead has fraudulently obtained by creating 2 attaching my name to a false debt.. At this time NFCU has an open court case with the CEO. In response to the credit reporting it must cease and desist. They are reporting an address they had no consent to report and is wrong, They did NOT HAVE PERMISSIBLE PURPOSE and NO VALIDATION FOR THAT FACT ALONE. Overall it is a question of why TWO CA TITLES were made. All contracts on my end have been canceled and rescinded and by certified mail, fax, and thought the e portal. It is clear of the fraud and deceptive practices this company continues to injury my life with. A federal claim is pending. The CA TITLE this company is trying to attach a debt to is not for the correct title. They tried to cover their fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Navy Federal send me a letter that I submit to them about my atm for provisional credit on my account of the ATM did not disports to me and then they said the merchant at the ATM stated that it was an error they said I got the money and it was not true and I want all my money because the merchant is lying and I submit my medical from my doctor that I explain that I stressed navy federal was giving me problem the doctor stated that if I continue this stress I could have a XXXX or a XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11429
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
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: NFCU declined a credit card charge on XXXX after Flagging/Blocking my card on XX/XX/22, but the problem is, I was NEVER advised of any possible fraud on the card prior to me attempting to use my card XXXX weeks later! When I call, " XXXX '' refuses to escalate my call to someone who may be able to answer my questions. I was on hold XXXX minutes and ended up calling XXXX because " XXXX '' in Credit Card Services decided she wouldn't take the call after I insisted with the representative " XXXX '' that I wanted to speak with Her supervisor. I'm concerned about ALL of my accounts with NFCU when the repS responses is consistently, " I don't know! '' I don't have this problem with my XXXX accounts
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX, I went into the Navyfed located in XXXX TX. I went in there with my spouse to deposit a check of XXXX and do a cash advance for XXXX out of an external account. The teller ( XXXX ) was very rude and unprofessional. She stated that to do my cash advance, she would need to ask two identifying questions. Never had to do that. So I inquired why? If I never had to, did something change? She stated the policy Changed XX/XX/XXXX. I said that's false. I've never been asked anything, besides the two forms of id. She asked if I wanted to speak to her manager, I said I didn't request to speak to your manager, I'm asking you the question ( the teller ) that called us to the window to assist us. She displayed unprofessionalism by huffing and puffing under her mask, chewing her gum aggressively, and rolling her eyes. I addressed it, she didn't like it. She walked away to go get assistance. I started to converse with my spouse, I guess she heard me, and became confrontational in the lobby. I told her to continue to get her manager like she suggested was the best remedy and to stop addressing me. She came back and my spouse and I both said that she was unprofessional and she started to cry. A guy walked up excusing her, and directed us to wait in the lobby area and said someone else would assist us. So now we are waiting additional time after other members that came after us. He then came to get us, he asks our nature of being there. We told him. As he is checking the database, he never asked the two identifying questions, like she said was policy. I went to describe the issue to him, he didn't apologize, he did not say anything to make us feel like members of the institution. I'm a veteran who has been a member with Navyfed since XXXX. I asked him his title, he said he was the branch manager ( XXXX ). In my mind, I'm like as a branch manager, you should implement professionalism. If someone is complaining about their interaction with your staff, you shouldn't deflect from the questions or display that you don't care or you're uninterested. As we left, there was no salutation, no thank you for our business. In addition, my other complaint within consumers affairs in regards to the branch in XXXX XXXX, plays hand in hand with this complaint I'm doing right now. The branch in XXXX XXXX declined my cash advance due to " policy change '' of not being able to verify my card information. But if the policy has changed, how was I able to complete the same thing with the branch in XXXX, if the policy is for all Navyfeds. The disrespect displayed in the branches are beyond me. This makes me feel as if they pick and choose who to service. Navyfed represents All Military personnel and their dependents. I do not appreciate these interactions. And I want some resolution. I plan to make this issue public and civil. This is the second interaction with Navyfed that I've had where the staff displays disrespect, dishonesty about policy changes, and seems to be unethical.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75149
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Other transaction problem
Subissue:
Consumer Complaint: It's my last day to pay my rent in time. I like to pay my rent in person with my landlord so she can give me a written receipt. Due to work schedules her and I have been missing each other so we've decided let 's do XXXX that way we can have a virtual receipt. I tried to send the money via XXXX and it was denied saying I need to call the bank to verify me. When I called in one of the automated messages stated the bank will never call me to have me verify myself by having a code sent to my phone and asking for that code. So, I took that very seriously. The first guy I spoke to went through a verification process with me then he said he had to transfer me to security. I the go on hold. I was on hold so long I started joking around with my roommate and friend. One whom is XXXX and the other is mixed. They both were making XXXX jokes to me then someone picked up the line. As I'm waiting in between the person on the phone to do whatever it is he is doing we are all still playing around. The guy then says he needs to verify me. I'm like okay cool. He then says he sent a code to my phone and I need to give it to him. I tell him there has to be another way to verify me because the automated system just said you guys wouldn't ask me for a code. He then goes on to say this is his job don't tell him how to do his job. First of all that's rude because it's my account with my funds and if there were no accounts there would be no job. The guy begins laughing and etc and I say hey I don't see what's funny. Anyways, my friend says something and I yelled out I'm sick of XXXX XXXX XXXX people. The guys goes on telling me I don't need to be XXXX etc and continues on being rude. Regardless to what I say he doesn't know who I'm speaking to. He's supposed to provide customer service. Now I have to pay a {$50.00} fee because they didn't want to do their job. I kept asking for a supervisor about XXXX times. The supervisor kept asking questions that the initial guy had already asked me. So, I'm confused because I was supposed to be transferred so he should have had all of information pulled up. I am highly upset right now. I was supposed to be in bed hours ago yet I'm up dealing with this nonsense. Something needs to be done and something needs to be done asap. For the record I never received a code. The supervisor just XXXX me off even more because he tried to act as if he was being professional but I know exactly how the field is as per Ive worked in the field myself for 12 years or so. XX/XX/2022 at XXXX is when the call was made. Navy Federal Credit Union
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: The account listed was cancelled and rescinded because of fraud on the loan. Notice was sent to the Bank and Dealer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A