Date Received: 2022-03-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Was notified on XX/XX/2022 I was locked out of my navy federal bank account without notice I then went into a branch I properly identified myself and was told it would take 10 business day to resolve this matter here it is XX/XX/2022 my case hasnt even been touch after being told by multiple representatives is was in progress I need my medication I have bills to pay and this is causing me to have a lot of missed and late payment due to no access of my account I have tried to resolve this issue on multiple occasions nothing has be resolved no one has answers or no one has reach out nor sent any documentation
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: I had a navy federal credit Union account from XX/XX/XXXX to approximately XX/XX/XXXX. They would regularly contact mycommand anytime I was past due and prevent me from accessing my account online. I saw they were ordered to pay reparations for these actions and am trying to file this complaint to receive mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have been in contact with Navy Federal Credit Union for a mortgage payoff for the last couple of weeks because I have a contract with a buyer for my home. The closing date of the contract was for XX/XX/2022. The payoff Navy Federal provided is incorrect. A portion of the payoff belong to HUD/FHA who I will also need a payoff amount from. Unfortunately HUD/FHA can not provide me with a payoff because they stated Navy Federal never sent them the partial claim promissory contract. Until this is corrected the buyers cant close the deal on my house because we can pay HUD/FHA there portion to take the LIen off my house. I have been told I would receive a call back from a supervisor and I havent heard back from nobody at Navy regarding there mess up with the partial claim promissory contract.!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Navy Federal Credit Union is reporting an account on my credit incorrectly and i have disputed this account numerous times, its a credit card account that was opened in XXXX first of all its past the statue of limitations for reporting and secondly they're listing it as charged off every single month from XXXX on my XXXX credit report but on my XXXX credit report they're reporting perfect payment history from XXXX, how is it a derogatory account and a collection if you're reporting perfect credit history on one report, none of the reports are reporting correctly they're reporting fraudulently and i know that its a violation to charge an account off every single month. I have asked numerous times for debt validation and haven't received any correspondence from this bank, that is my right! They can not report incorrect information and they are supposed to respond to dispute claims. Ive attached documents below... I'm asking for this to be corrected immediately as this is harming my credit scores. ive disputed this account on XXXX and XX/XX/XXXX and still have not received anything that ive asked them to provide and this account is now XXXX XXXX XXXX .....
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: On XX/XX/XXXX I applied for a XXXX credit card thru Navy Federal Credit Union which I was approved for. I was told by NFCU they reported that information to all 4 credit bureaus on XX/XX/XXXX or XXXX. XXXX, XXXX, & XXXX all updated my credit file within a day or two. XXXX credit bureau has still not done anything to this day despite my repeated requests. Have going back & forth between NFCU & them in order to get the card on my file & reporting. XX/XX/XXXX, I have an email between myself & XXXX XXXX identifying the issue. I have another with them on XX/XX/XXXX. XX/XX/XXXX XXXX XXXX sent me an email asking me if this new account was mine, but my XXXX account was never updated with my information. My XXXX had already been. XX/XX/XXXX XXXX XXXX stated they created XXXX XXXX : # XXXX in reference to my complaint. XX/XX/XXXX I had additional correspondence with XXXX XXXX regarding the issue & they have another case number stating : New credit card not listed on my file : Case # XXXX. They keep telling me to file a dispute with XXXX, but you can't file a dispute about something that's not on your report with XXXX. Their website is not setup that way. I've had multiple conversations with their overseas call center. They regurgitate the same thing. I had XXXX supervisor named XXXX XXXX tell me to file a dispute with XXXX and get the information from Navy Federal Credit Union to provide for them with a cover sheet. I emailed it along with a copy of my driver 's license because you can't just dispute it. I communicated with XXXX XXXX a lot because they supposedly had a system in place to dispute information of your file. It has not been useful in this instance. The last communication I received from the XXXX XXXX XXXX XXXX XXXX was a survey on XX/XX/XXXX. Their TrueIdentity service sent me an alert about a change in my report the same day. NFCU sent me an alert to see what changed in my report the same day thru their Mission : Credit Confidence portal. XXXX sent me a survey XX/XX/XXXX. I emailed XXXX the information XXXX XXXX advised me to provide on XX/XX/XXXX. That's about as complete an explanation as I can provide. It doesn't include the numerous phone calls which have amounted to nothing. I have call XXXX in XXXX, PA, been transferred there from their overseas call center. Still nothing. NFCU has assured me the information has been provided to XXXX. XXXX has denied they ever received it despite the fact the 3 other bureaus have & have my file updated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Emailed Mortgage Loan Officer Titled : " Application Submission Complaint '' 1. Mon, XX/XX/XXXX, XXXX PM ( XXXX hours ago ) to XXXX Hi XXXX : First off, thank you for your willingness to forward my complaint to XXXX, your Supervisor, so that he may forward to official channels. There should be an official channel for me to submit, but I trust that you will both do the right thing for me, a NFCU member. Next, I want to thank you for your thoroughness and excellent communication skills by keeping me informed throughout this process. Unfortunately, I can not say this for the previous Loan Originator, XXXX XXXX ( Please feel free to share this with him and his Supervisors ), which leads me to my complaint : Below is a chronological list of communications of events since I joined NFCU in order to apply for a Mortgage Refi. Cash Out Option : XX/XX/XXXX : Spent over XXXX hours at a local branch waiting to submit documentation to join NFCU. XXXX XX/XX/XXXX : Called in to check on my membership status and was informed that NFCU does not have certain documents that I presented while in person. I had to go back and resubmit those documents again! XX/XX/XXXX : Received a WELCOME email from NFCU. XX/XX/XXXX : Spoke to XXXX XXXX who instructed that I need to pay for a Credit Pull in order for us to move forward. I paid the {$20.00} non-refundable fee. XX/XX/XXXX : Received Initial Disclosures email from XXXX XXXX.??? XX/XX/XXXX : Received email stating NFCU received my Application. XX/XX/XXXX : -Received Initial Disclosures email from XXXX XXXX XXXX XXXX XXXX. -After reading, I called XXXX XXXX inform him that I am a 100 % XXXX Veteran and that I am not to pay the {$5400.00} Funding Fee that is included in the Loan Estimate. He stated that this was only an Estimate and my acknowledgement is only for receiving it. ( He also informed me that my XXXXnterest Rate was locked in for 60 days at 2.875 % ) -I asked him about how to submit my Award Letters and he stated, " There will be a time to do that later. '' XX/XX/XXXX : -I received an email asking me to take a XXXX minute survey, but there was no option to respond to the survey. -Received Outstanding Items email from XXXX XXXX well as a call indicating he was having issues getting my credit reports. He further stated that it will take 3-5 days to pull them once they are unfrozen. { I had issues with XXXX, but by XX/XX/XXXX, I had contacted all three Credit Bureaus to unfreeze my credit reports through XX/XX/XXXX. } XX/XX/XXXX : Sent email to XXXX asking where to upload my XXXX Letters and asked about rate drop ( 2.5 % ) ...? He did not respond. XX/XX/XXXX and XX/XX/XXXX : Received email from NFCU titled : " Denial Package. '' XX/XX/XXXX : Called XXXX- left a voicemail message. He responded via email stating he received my voicemail and that he was in a meeting til noon. He called me shortly after sending his email to inform me that he was still waiting on XXXX of the Credit Bureaus to report but he did not know which one...? He later emailed me at XXXX to indicate, " XXXX is not reporting. '' I contacted all XXXX Credit Bureaus again and it was confirmed AGAIN that all XXXX Bureaus were still unfrozen through XX/XX/XXXX. XX/XX/XXXX : XXXX called me concerned. He stated, " XXXX XXXX, I lost access to your account. '' " You will need to reapply, but do not pay for a credit pull a XXXX time as I will do a Tri-merger into your existing file. '' I expressed my cause for concern about submitting a new application and if there is a possibility of losing my locked in rate at 2.875 %...? He said something to the effect that he would do his best. I explained to him that I would be very upset if I lost it! I immediately called and reapplied over the phone with XXXX XXXX as he instructed. XX/XX/XXXX : -Received email from XXXX XXXX XXXX, : Denial Package Reminder '' -Received email from NFCU titled XXXX " Your new loan application. '' - You can complete online '' ... XX/XX/XXXX : Received email from NFCU indicating they have received, " Your Mortgage Loan Refinance Application. '' XX/XX/XXXX : Received XXXX emails from NFCU : 1-A Home Loan Advisor will contact you. 2-Additional Info Required 3-Initial Disclosures ( NEW INTEREST RATE INDICATED- NOW I'M VERY UPSET!!! ) XX/XX/XXXX : Received that infamous email again asking me to let NFCU know how they are doing by responding to a 3 minute survey with NO OPTION TO RESPOND! XX/XX/XXXX : XXXX effectively communicating with XXXX XXXX. She walked me through the Initial Disclosures and I submitted all the required documents at that time - Yes, in ONE day )! XXXX for XXXX. XX/XX/XXXX : Received email from XXXX titled, : Outstanding items to complete ... '' XX/XX/XXXX : Here we are today with XXXX informing me of sad news : that I lost my initial rate that was locked in for 60 days. BUT WE ARE JUST ON DAY XXXX ...!!!??? I still don't understand how this is possible or even fair?! If my experience from the inception of becoming a NFCU member will continue in this dubious manner, I am considering cancelling my membership! I HIGHLY suggest that NFCU conducts an Audit of the Rhode Island Office due to the Loan Officer 's inability to conduct due diligence ; provide timely communications ; reconsider documentation submission priority, as well as the number of applications a Loan Officer can handle for its Members. XXXX seemed overwhelmed throughout the process, even working from home. Oftentimes, he seemed like he didn't know who I was when I would call him. He would state, I'm not at my desk, so I will call you when I get back home. Granted, one time he was sent to the office to pick up the ( Company 's ) mail. ( Who knows, maybe I just kept catching him on his lunch breaks...?! ) Honestly, the interest rate actually dropped to 2.5 % after I locked in- I should be demanding that rate. NFCU Mortgage Loan Originators / Application Decision Makers appear to be partial. I demand that the dropdown to 2.5 % interest rate be honored and that we may proceed with the Refinance in a competent and equitable manner. I am prepared to pay the Appraisal Fee upon If neither the 2.5 % nor the 2.8 % rates will NOT be honored, I will be forced to submit governmental complaints due to inadequate or ineffectual fair lending compliance. However, I do hope that we can resolve this amicably, as I am prepared to pay the Appraisal Fee. I look forward to hearing the good news! Thank you, XXXX. XXXX AM ( XXXX hours ago ) to XXXX Thank you XXXX. I forgot to include a very important detail in my complaint. Please add the following information : XX/XX/XXXX : XXXX stated that for VA XXXX they need all three Credit Bureau reports. XX/XX/XXXX : In my phone conversation with XXXX, he stated that once he saw my scores he submitted the 2 Credit Bureau reports that he had ( XXXX and XXXX ). He further stated that unfortunately for VA loans they need all three. My question to him was why would you submit my file with 2 Bureau reports when you need all three ...? He responded by stating that he was under a timeline. If that was the case, he should have contacted and communicated that information with me before I had to call him to question the email I received earlier that day ( XX/XX/XXXX ) regarding a Denial Package Reminder. Please fwd. Thank you. Today ( XX/XX/XXXX ) XXXX called me to confirm that she forwarded my complaint to her Supervisor responsible for escalations ( XXXX XXXX ) and Manager, and that I should expect a call today from XXXX today. I received a call from XXXX at XXXX who informed me that he submitted my complaint to the " Pricing Desk '' who controls interest rates ; and they rejected my request to change my interest rate. He further stated that he will forward my complaint to the previous Loan Officer 's Manager at least for a coaching opportunity. He confirmed that you can actually change ( lower ) your rate 2 times once you lock in a rate - this changed last year. He also confirmed that he is XXXX 's Direct Boss and that XXXX XXXX is the Branch Manager. He offered me an opportunity to pay a 1 % Origination Fee ( {$1500.00} ) to get my initial locked in rate ( 2.875 % ), but that it would come out of the XXXX XXXX that I will receive. I informed him of my understanding that they have a way of verifying rates and that I will submit a complaint to every governmental agency responsible for NFCU 's lack of providing and conducting due diligence. Background Information : The previous Loan Officer, XXXX XXXX, failed to communicate or conduct due diligence in a timely manner. He instructed me to reapply, but my application was reassigned. I'm sure he knew this was going to occur, but lead me to believe he would be able to do a Tri-Merger and proceed with the loan. Also, when I texted him the new Application number, he never responded. However, the following week he confirmed when XXXX called him, that I had already paid the Credit Pull fee. I feel that I received Disparate and Unfair Treatment for several reasons : 1. I did not provide them my race. 2. Due to the Previous Loan Officers failure to meet tasks and misleading me throughout the Application process. 3. The Statement of Denial checked the box, NFCU does not grant credit on the terms requested. It further states on the back, If you have any questions regarding this notice, you should contact : ( XXXX ) XXXX when you call that number it asks you for a XXXX code, which was not provided, and that is the only option on the call. Application # XXXX : XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Sent a payment to Navy Federal XXXX XXXX on XXXX in the amount of {$15000.00} in accordance to XXXX XXXX, XXXX XXXX XXXX in the form of remittance, tendered or coupon payment. Navy Federal received the payment on XXXX at their address po box XXXX XXXX VA XXXX. Furthermore Navy Federal used my open ended credit plan in accordance to 16 C.F.R. 433.3 ( b ) ( 2 ) to furnish this account which furthermore proves they did not extend credit to me in regard to this alleged debt and account. Pursuant 12 CFR 1026.13 - Billing error resolution I XXXX XXXX dispute and paid account number ending in XXXX in the amount of $ {$15000.00} have submitted correspondence to Navy Federal to rectify this matter and it has yet to be resolved. Please furnish documentary evidence in accord with 15 U.S. Code 44 of record of accounts where Navy Federal awarded me XXXX XXXX with any payment pertaining to this alleged debt. They did not the used my social security card to credit Pursuant 15 U.S. Code 1692e ( 2 ) false character, amount, or legal status of any debt. Notice it is fact that I the affiant am aware that the false character of the amount of in debt is a violation of U.S Code 1692e ( 2 ) ( a ). XXXX has proof of this violation as Navy Federal allege I owe a debt, yet the account shows the billing in a positive amount. How can I pay into an account which is already positive? This is in accordance to TILA Regulation Pursuant 18 U.S. Code 8 Obligation or other security of the United States Notice in fact that affiant is aware that all obligation of debt is the responsibility of the United States. Pursuant 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption. 31 U.S. Code 5103- Legal tender. 31 U.S. Code 3123 - Payment of obligations and interest on the public debt. 31 U.S. Code 5118 - Gold clauses and consent to sue, Public Law 73:10. HJR 192-1933. This account is credited and funded using my open end credit plan and all funds are to be credited in accordance to TILA Regulations and All UUC Codes and US Codes referenced in this complaint. Pursuant 12 U.S. Code 5562 ( c ) ( 10 ) money audit trial production of document material Notice, it is fact affiant is aware the consumer has the right to request the money audit trail. I am requesting this documentary material in accordance with 12 U.S. Code 5562 ( c ) ( 10 ) to address this subject matter, without this documentary evidence there can be no validation of said debt. Pursuant 12 U.S. Code 1831n ( 2 ) ( A ) GAAP audit trial Accounting and Insurance Notice, it is fact affiant is aware the consumer has the right to request the GAAP audit trail in accordance with 12 U.S. Code 1831n ( 2 ) ( A ) and without this documentary evidence to properly address this subject matter there can be no validation of said debt. Pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) A contract which includes a waiver, condition, or limitation for a debtor to assert rights for claims or defense against a seller is void. Notice it is fact in accordance with 16 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the affect of limiting a consumer such as I XXXX XXXX the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void. Please adjust this account to a zero balance, This also serves as demand to not close, suspended, terminate and or freeze my account in any manner. you have 5 days after receiving this correspondence to rectify the matter on this account. They said the account was sent up to management for them to review and correct the account it has yet to be done. I have contacted them severely times and uploaded correspondence to my online portal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022 I received the amount of {$960.00} transferred to my navy federal checking from my friend XXXX XXXX 's navy federal account. XXXX XXXX 's wanted me to withdraw the money for him from my account. I did this and got the money to him in cash. Later on Wednesday XX/XX/XXXX {$960.00} was removed from my account because of an open fraud investigation. XXXX XXXX started a fraud case and now I am a suspect even though he sent the money to me and instructed me to withdraw it. My bank Navy Federal may now suspend my account due to this incident. I have tried to plead my case with them, however, they claim there is nothing that they can do.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91941
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My problem initially began around XXXX time of Last year, XXXX when I deposited a Cashiers Check made out to my XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX into my business checking account. As a veteran of the military, Id been a member of navy federal Credit Union for over 7 years. I called the bank and asked for guidance on how to go about depositing a larger amount of money into the account due to the fact that NFCU doesnt have many branch locations nationwide. I was walked through the exact process with a representative and completed the deposit. I was told the time would be about 10 days before I could have access to my funds just as a standard processing time. About 3 days into the process before the funds cleared I was contacted by a NFCU rep. The rep asked multiple questions concerning the origin of the money. I answered the questions very specifically and asked was there something wrong or to be concerned about. The bank advised me that I had no reason to worry and this was standard for a large deposit. I received about 2-3 follow up calls from different reps asking me the same question but they all said that I had nothing to worry about and my check hadnt bounced or been returned unpaid. I gave the bank the benefit of the doubt but I was alarmed at their suspicious behavior. After about 10 days, my funds clear as expected and seemed to be normal day of business. About 2 days after, my entire account access for both my business and consumer accounts were frozen. When I inquired about why my accounts were frozen I was completely stonewalled and treated like a criminal. I was ONLY told that some source outside of my actual Institution had claimed my money to be paid out in an error of some sort which Im stating for the record is absolutely false. I demanded proof of any documents the bank had but I was not provided anything. As a consumer and member of the bank I am supposed to have rights and protections and the bank refused to honor the law or my membership benefits. The bank stole nearly {$700000.00} from me and closed my lines of credit leaving me with personal and business debt and shuttering my business in the process. This ruined my consumer credit rating and also my business and its employees. They closed my account and said that I could not receive my money or anything in my account. Their actions violated Banking laws and the Uniform Commercial Code.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
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: Notice, it is a fact, affiant is aware upon discovery, a financial institution such as Navy Federal Credit Union in accordance with the definition under 15 USC 6827 ( 4 ) ( A ) and 15 USC 6827 ( 4 ) ( B ) must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a pervious billing statement in accordance with 15 UC 1637a pursuant to 15 USC 1681 ( 7 ) ( b ) ( ii ), I, the affiant, did not receive such notice and thus Navy Federal Credit Union is in violation of 1681s-2 ( ( 7 ) ( A ) ( i ) and the information associated with Navy Federal Credit Union XXXX Account Number : XXXX and the addition fraudulent account number Navy Federal has created as well XXXX must be removed permanently. NAVY FEDERAL CREDIT UNION IS COMMITTING FRAUD, PROVIDING FALSIFIED DOCUMENTS TO XXXX, AND REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. IN ADDITION, NAVY FEDERAL CREDIT UNION DOES NOT HAVE AND HAS NEVER HAD MY CONSENT TO REPORT TO MY CREDIT FILE NOR REPORT TO ANY CREDIT BUREAU. I AM NOT RESPONSIBLE FOR THE ALLEGED DEBT BEING SHOWN. XXXX IS ALSO PERFORMING FAKE INVESTIGATIONS. IN ORDER FOR AN INVESTIGATION TO OCCUR, INTERVIEWS MUST BE CONDUCTED PURSUANT TO 15 USC 1681AE. XXXX HAS FAILED TO PROVIDE ME WITH THE NAMES, ADDRESS AND PHONE NUMBERS OF NEIGHBORS, FRIENDS AND ASSOCIATES THAT MIGHT HAVE KNOWLEDGE OF THIS INFORMATION. Due to Navy Federal Credit Union posting fraudulent, false and inaccurate information to the credit bureaus and without my consent, this has caused my health to decrease in dramatic fashion. I now have very XXXX XXXX XXXX and have been suffering from XXXX and XXXX for a almost a year. I am also XXXX because of Navy Federal Credit Union. The repeated reporting errors are also prohibiting me from being approved for credit. I am unable to use my credit. These negative and false claims on behalf of Navy Federal Credit Union are affecting my credit worthiness, reputation and livelihood. Ive filed two Identity Theft Reports, sent Navy Federal Credit Union multiple Cease-and-Desist Letters with my demands. Navy Federal continues to be non-compliant. At this point is is harassment. In addition, I provided Navy Federal with a Conditional Acceptance Offer. If they provided me with three items that prove this alleged debt is indeed mine that I would provide payment in direct and immediate exchange for the original instrument of indebtedness in its original form. Navy Federal had failed to provide each item to me. Not to mention, I am now being harassed by Navy Federal Credit Unions lawyers XXXX XXXX XXXX XXXX ) which is illegal and after I provided Navy Federals lawyers ( XXXX XXXX XXXX, XXXX. ) an Offer Rejected Letter. Attorneys can not act as debt collectors. I would like the CFPB to take this case very serious because my livelihood, credit and reputation are in danger and Navy Federal Credit Union is that cause of it. My rights continue to be violated and Navy Federal Credit Union and XXXX as both continue to violate the FCRA.I demand the harassment and suffering to end. I am requesting the assistance of the CFPB and the States Attorney General. Navy Federal Credit Union is also committing fraud and XXXX is allowing them to do so. I filed two identity theft reports on Navy Federal Credit Union. The most recent one is attached. Navy Federal Credit Union was removed from my XXXX report before XX/XX/XXXX, then Navy Federal Credit Union created a fraudulent account number ( this account has been closed since XX/XX/XXXX ) without my knowledge nor consent to continue to post the fraudulent debt. XXXX removed the Navy Federal Credit Union account again XX/XX/XXXX. XXXX allowed Navy Federal Credit Union to re-insert this fraudulent account to my credit file again without my consent and nor was I provided a notice of reinsertion letter. Reinsertion occurred from XXXX XX/XX/XXXX. I demand the CFPB have XXXX provide me with their verification methods. Furthermore, I also know XXXX is completing false investigations. Interviews must be conducted in order for an investigation to take place pursuant to XXXX XXXX 1681a ( e ). XXXX has failed to provide me with the names, address and phone numbers of the neighbors friends and associates that might have knowledge of said information. I demand Transunions method of verification. XXXX has 15 days to respond with the exact names and address of who XXXX interviewed. If XXXX does not provide me with the information requested, I DEMAND A PERMANENT DELETION of the account Navy Federal Credit Union - XXXX and account number XXXX. Federal Violations Committed by Navy Federal from XXXX XXXX, XXXX through now. 15 USC 1681B, 15 USC 1681 ( a ) ( 2 ) ( b ), 15 USC 1692b ( 2 ), 15 USC 1692J, 15 USC 1692c ( c ), 15 USC 1692c ( c ) ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ) ,15 USC 1692d ( 4 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), 15 USC 6827 ( 4 ) ( A ), 15 USC 6827 ( 4 ) ( B ) ,12 CFR 1006.6 ( c ) ( 2 ) Federal Violations Committed by XXXX XXXX XXXX on behalf of Navy Federal Credit Union from XX/XX/XXXX through now 15 USC 1692J, 15 USC 1602 ( k ), 15 USC 1692b ( 2 ), 15 USC 1692d ( 4 ), 15 USC 1692e ( 3 ), 15 USC 1692e ( 10 ), 15 USC 1692e ( 15 ), 15 USC 1692f ( 1 ), 15 USC 1692f ( 7 ) Federal Violations Committed by XXXX from XX/XX/XXXX through now 15 USC 1681B, 15 USC 1681c-2, 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ), 15 USC 1692j , 15 USC 1692b ( 2 ), 15 USC 1692e ( 8 ) 15 USC 1692e ( 10 ), 15 USC 1681s-2 ( 7 ) ( A ) ( E ), 15 USC 1681s-2 ( 7 ) ( E ) Neither Navy Federal Credit Union nor XXXX have asked my consent to report on my credit reports/files either. That is a direct violation of 15 USC 1681 ( B ). I demand the CFPB step in and take action because these debt collections practices are unfair and causing grave harm to my life. XXXX has my authorization to proceed with this complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20706
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A