Date Received: 2022-02-03
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I am emailing you all in regards to a matter that has gone unresolved dating as far back to XXXX. In that year of XXXX there was a incident of a check that I deposited for a relative that had returned after processing. This incident took place at the very same time as the XXXX of my XXXX and my battle with my health which had taken a a downward spiral. My family and I were deep in grief, disbelief and hurt as we sought to lay my XXXX to rest, seek justice for him, and find peace. I deposited the check unknowingly that it was a any issue as I am was just being family to a a family member. You all notified and made me aware of the matter. I was in no headspace to pursue the matter of claim against this relative because of what my family and I were already faced with. So I paid the amount that was made to cash, the penalties and all monies owed in the excess of the returned/insufficient check. I did not bother with dispute or refuting, thinking that I can not handle going through that arbitration, deal with trying to hurry my nephew, as well as my diagnosis of XXXX XXXX I was just in no shape to begin to just have more to deal with outside what I was struggling with at the time. Unbeknownst to me this will cause my account to be restricted and lead to me not being able to have a live active checking account with you all. Aside from that although I have the restriction and closed checking account I still have my savings with this financial institution which is baffling, disheartening, in short overall unjust that even with the savings I can not fully access the complete experience of banking with your financial institution as I had in the past prior to the incident. If that were not enough you all issued a credit card to me in which I am prohibited from using. I received the card and then a letter stating that I can not use the account as aforementioned due to a restriction. This same account and card that I am not able to use however, was used fraudulently by someone else. So now here we are with no resolve in the matter of me not being able to have a checking account, but I have an active savings account as well as having a credit card that I am not allowed to use, but it has been fraudulently used. In no way does this makes any logical sense. So I ask that you handle this matter will great intent, diligence, respect and regard to have me treated fairly as a customer/ banking member. All I ask is for this to be cleared, grant me access to the credit card and to a checking account. My access # XXXX and credit account XXXX .....
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Getting a line of credit
Subissue:
Consumer Complaint: On XX/XX/2021 Navy Federal Credit Union denied me of credit. Federal law make it clear that a consumer can not be denied of a God given right. Banks dont have the power to lend money or credit. Banks function because of consumers. As a consumer I extend my credit to Navy Federal Credit Union and thats how they become a creditor. Im at the Original Creditor. Banks are corporations/corps mean it is a dead entity, banks cant talk, banks are powerless. I am the natural person. I have the power. Navy Federal Credit Union violated my rights as a consumer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: Navy Federal reported there was no fraud noted in XXXX of 2021 when a XXXX transfer of {$290.00} was sent from my account to another. Within 24 hours of the transaction my XXXX account was restricted due to fraudulent behavior noticed by XXXX, before a report was made on my end. Navy Federal stands by its claim that no fraud was committed, refuses to perform a charge back to the original account, refuses all calls from my phone number regarding my issue, and refuses to speak with XXXX in any attempt to unrestrict my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: To whom this may concern I applied for a mortgage on XX/XX/XXXX through Navy Federal Credit Union 's online portal which I authorized a hard credit check. On XX/XX/XXXX I called Navy Federal Credit Union to follow up on my application, on Monday XX/XX/XXXX I did not authorize an additional credit inquiry of any time during my conversation with the loan officeXXXX, on XX/XX/XXXX I noticed on my credit report two hard inquiries from Navy Federal Credit Union, one dated XX/XX/XXXX ( authorized ) and another one dated XX/XX/XXXX that was not authorized. I have attempted to speak to someone at Navy FederaXXXX multiple times to resolve the illegal credit pull on XX/XX/XXXX without a manager call me back, customer service personnel transferring me without speaking to a manager. I did not authorize the additional credit pull and would like Navy federal Credit Union investigated. Thank you for looking into the matter
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Asked for validation of account the account has been reported as charge off but still showing a balance which is in violation of the consumer law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX, XXXX, and XXXX are reporting inaccurate information on NAVY FEDERAL CR UNION. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and request.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ID
Zip: 83607
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: On the XXXX of XX/XX/XXXX an alleged contract was made with Navy Federal to refinance a XXXX XXXX, XXXX. At this time, a check with Navy Federal was not received. The XXXX XXXX XXXX was financed under XXXX XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX, I was hit by two vehicles causing my car to be totaled. XXXX took possession of the vehicle on XX/XX/XXXX. I called and spoke with a Navy Federal Member Service Representative. I informed the representative that my car was totaled so there was no need to move forward with the alleged agreement. I told her that I no longer needed the check I was supposed to pick up from my XXXX XXXX. The Representative informed me that it was still in my best interest to obtain the check and send it to XXXX XXXX XXXX regardless of the condition of my car. During that phone call, we arranged for said check to come in the mail using XXXX XXXX XXXX XXXX. The check was delivered XX/XX/XXXX. XXXX XXXX XXXX received the check XX/XX/XXXX. XXXX XXXX was fully aware that my car was damaged before they check was sent out. Taking the advice of the representative has caused me problems financially. Im unable to use my Navy Federal account. Navy Federal has added two past due payments to my account, they have added late fees and they also charged my savings account {$20.00} because Navy Federal was not listed as the first lien holder. Now, Im dealing with late fees, and harassment from Navy Federal trying to collect an alleged debt. The first alleged payment was due XX/XX/XXXX. XX/XX/XXXX, I was contacted by XXXX insurance adjuster stating that the value of the car was {$16.00}, XXXX. XXXX has the check and has been ready for almost two months to send the check to Navy Federal. Ive communicated to Navy Federal on numerous occasions that I will not be making payments on a car that is no longer in my possession, especially since there is a check ready for Navy Federal. Navy Federal needs to do what is required by XXXX to obtain the check. If Navy FederaXXXX didnt take over the alleged payments from XXXX XXXX XXXX XXXX the car would have been paid off almost two months ago. Speaking with a Lawyer, looking into my options, I found that there were violations made by Navy Federal on the alleged contract/promissory note. These Violations voids the alleged contract. According to the Promissory note, Navy Federal follows the Truth in Lending Act. In the Truth in Lending act, under Title 15 U.S. Code 1605, the Finance Charge in connection with any consumer credit transaction is the SUM OF ALL CHARGES. That includes late fees and lien fees from any title company. According to the contract/promissory note with Navy Federal XXXX XXXX XXXX XXXX is {$3100.00}. According to the Truth in Lending Act and the Federal Law, {$3100.00} is the only amount Im allegedly responsible for paying if this wasnt a consumer credit transaction. Also, under Title 15, 1605 ( 5 ) ( B ), Navy federal did not include insurance in the finance charge. XXXX insurance was charged separately. Also stated under U.S. Code 1605 ( b ) ( 1 ) and I quote charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ;. This statement proves that I am the Creditor extending credit to Navy Federal. Navy Federal pointed out in the Returned Loaned Payment Fee section of the alleged promissory note that under ( Section 1014, Title 18, U.S. Code, makes it a federal crime to knowingly make a false statement. Navy federal has willingly and knowingly BROKE THE LAW! Pursuant to Title 18 U.S. Code 8, the term obligation or the other security of the United States, includes all Federal Reserve bank, Federal Reserve notes, bills, coupons, checks, drafts for money, certificates of deposit and, etc. This alleged debt under alleged promissory note is to be the obligation of the United States not the consumer. Pursuant to 12 U.S. Code 1431 banks can not loan money. Pursuant to Title 15, U.S. Code 1635 ( 4 ), the Right to Rescind shall apply to all consumer credit transactions. The Right to Rescind was not included on the Promissory Note. Navy Federal NEVER sent me documents to Rescind. Again, you broke the law. According to the CFPB, 1026.23 ( f ), the Right to Rescission is only exempt to refinancing by the same creditor. According to CFPB 1016.7, and Title 15, U.S Code 6802 ( b ) Navy Federal was supposed to provide a form of opt out notice to consumers. Navy Federal has never sent a form of opt out notice, via email, mail, or electronically. I am demanding that Navy Federal remove the account from all three major credit reporting agencies. That includes, XXXX, XXXX, and XXXX. According to CFPB, 1026.13 Billing Error Resolution, I extended credit to Navy federal with my credit card under an open-end consumer credit transaction. So, there should not be monthly bills or monthly payments. When Navy Federal ran my social security number ( credit card ), alleged promissory note was paid in full. If Navy Federal claims this alleged loan/promissory note came from their Account, I demand that Navy Federal provides me with proof of the Accounting Ledger and, Im demanding proof of the Generally Accepted Accounting Principle ( GAAP ). This will determine if this alleged debt exist and is owed to Navy Federal. I am specific in what Im demanding. Do not send a copy of the alleged Promissory Note. I have that document in my possession. Provide me with what I asked for exactly. If Navy Federal doesnt provide the documents Im demanding, Navy Federal satisfy the loan account as Paid in Full. Navy Federal also agrees to provide Paid in Full documents so the lien placed on the title of the XXXX XXXX XXXX is removed. Pursuant to the Fair Debt Collections Practices Act ( FDCPA ), Title 15 U.S. Code 1692j ( a ) It is unlawful to furnish any form knowing that such form would be used to create the false belief in a consumer. Navy Federal has furnished deceptive forms illegally in the attempt to collect an alleged debt. Each law violated is a {$1000.00} charge owed to me. Pursuant to Title 15, U.S. Code 1692g, I as the consumer have a right to validate this alleged debt. Pursuant to Title 15 U.S. Code 1692c. ( c ) I am notifying you in writing that I REFUSE to pay this alleged debt. I am demanding that you cease all ILLEGAL communication with me through all mediums. Pursuant to Title 15 U.S. Code 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and as the original creditor. I am demanding all the following : 1. ) Remove Navy Federal Accounts from ALL consumer reporting agencies ( XXXX, XXXX, XXXX ). Documentation needs to be provided. XXXX. ) Send Accounting Ledger AND XXXX documents by mail AND via email. XXXX. ) Close the LOAN account as satisfied and paid in full providing proof of payment. You do not have permission to close my checking or savings account. XXXX. ) Return the {$20.00} taken from my savings account to satisfy the lien on the title. This was taken without my permission. Breaking the Federal Law voids contract/promissory note. The CFPB, among other Entities will be receiving this letter, including the documents I want to upload with my complaint. Failure to comply, will result in Litigation. On XX/XX/XXXX, By law, I requested that this consumer credit transaction be disputed and that further interest be stopped. Navy Federal broke the law, denied my dispute and is currently reporting negatively to my consumer credit report. Today, XX/XX/XXXX, I just received an email from my XXXX Account letting know that potentially negative information from Navy Federal is reflecting in my account which caused me to lose XXXX points. According to the FDCPA, while a dispute is in process, the company is not allowed to update any new information. Navy Federal deliberately ignored my request and broke
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
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: I purchased ticket to attend an event that advertised XXXX XXXX XXXX XXXX, and other services. Upon arrival I did not receive any of the services that were advertised, the XXXX XXXX XXXX XXXX toys were bootleg versions of a national trademark. So i contacted the vendor and they did not want to honor my refund as they claimed there was no refund policy. In an attempt to resole the issue i contacted my credit card provider and they did not want to honor my dispute for the simple fact that there was a no refund policy. Yet, the services advertised were not provided. I appealed it and they remarked that they could not resolve my dispute because there was a no refund policy. However, I did not obtain the items I paid for, which I attempted to explain.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I called the company and informed them of a cease and desist and they proceeded to remove fund from my account without my permission or knowledge.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A