Date Received: 2023-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I suspect that my information is being mishandled and inaccurately reported, prompting me to file a complaint with NAVY FEDERAL CR UNION. Upon reviewing my credit report dated XX/XX/2023, I discovered a derogatory entry that I was previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C. Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Dear Consumer Financial Protection Bureau ( CFPB ), I, XXXX XXXX, submit this complaint against Navy Federal Credit Union and its indenture Trustee, XXXX XXXX XXXX, XXXX, dated XX/XX/2023. The complaint includes, but is not limited to, allegations of unfair or deceptive trade practices, filing false insurance claims, deprivation of rights acting under color of law, and the unwarranted closure of my account ending in XXXX, claiming an " overdraft '' of {$54.00} without providing any proof of claim. Notably, within three days of this alleged overdraft, Navy Federal Credit Union filed an insurance claim with the XXXX XXXX XXXX XXXX ( XXXX ) and received proceeds for the maximum amount. Despite this, the financial institution is persistently attempting to collect the same proceeds it received from the XXXX insurance claim. Moreover, they have failed to cease and desist these collection efforts even after receiving notice to do so, constituting unfair or deceptive trade practices. I bring this matter to the attention of the CFPB and request a thorough investigation into the actions of Navy Federal Credit Union and its indenture Trustee. Thank you for your prompt attention to this matter. Best regards, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Trying to communicate with the company to fix an issue with the application process
Consumer Complaint: XXXX ID # XXXX WAS IN CHARGE OF THE HELOC PROCESS SINCE XX/XX/XXXX WHICH INCLUDED 4+ HARD INQUIREY CREDIT REPORTS FOR BOTH ME AND MY WIFE SEPERATLEY . THIS PROCESS INCLUDED A MAJOR DROP IN MY WIFES CREDIT SCORE WHICH EVENTUALLY DISQUAILIFED HER FOR THE JOINT LOAN ON THIS ACCOUNT. THIS WHOLE PROCESS WAS UNEXCEPTABLE AND VERY UNPROFESSIONAL. I HAVE BEEN A MEMBER OF NAVY FEDERAL CREDIT UNION SINCE XXXX AND HAD SEVERAL LOANS WITH NO PROBLEM.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX I contacted Navy Federal CU of my exercising my federal right as a consumer to opt of reporting to XXXX, XXXX and XXXX unless otherwise stated in writing by me and to have my credit report updated on the 30 day late payment for XX/XX/XXXX to paid on time. According to the Fair Credit Reporting Act 15 USC 1681a 2 ( A ) ( i ) Exclusions from a credit report by a credit reporting agency : report containing information solely as to transactions or experiences between the consumer and the person making the report. This by clear definition states that reporting transaction history is illegal. I am requesting that the 30 day late payment for XX/XX/XXXX be updated to Paid on Time. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Navy Federal CU is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Navy Federal CU- the financial institution, and the consumer reporting agencies XXXX XXXX XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX and Navy Federal CU whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Navy Federal CU never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services unless otherwise stated. You may report my transaction history but must update the XXXX XXXX- 30 day late- to paid on time.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33813
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Transactions : {$1300.00} : XXXX XXXX XXXX XXXX XXXX$1500.00} : XXXX XXXX XXXX {$500.00} : XXXX XXXX XXXX Paid {$1300.00} deposit for moving agency to move my things that in contract states it will go towards the move. The moving agency used third party movers which was not explained to me. The movers were rude, late, and did not move all my items resulting in me having to dispose of my property. The movers told me I owed more for the move than what was initially agreed on which did not make sense because they left items. The mover had me sign a paper and stated I could pay once I resolved my issue with agent about discount for move. Once the moving agency received payment I rarely herd back from them in regards to anything I called for a week and there was no response or resolution. The second week the movers call me threatening to sell my property unless they received a payment. Their contract clearly stated no payment should be made if youre in a dispute process which I was. I explained and sent a picture of contract. The movers could care less. The movers were rude and when I would call would ignore it but send me a text. They argued with me through text after business hours. I was given XXXX to pay them XXXX dollars book a flight to XXXX, get a uhual and move my things myself, mind you XXXX in south Florida XXXX I asked about the XXXX going towards the XXXX and she said no although it states in the contract it does. At this point I was forced into paying the ransom in order to get my things. I paid XXXX for a move that did not happen and still had to pay for a flight, uhual and gas XXXX XXXX my stuff all the way down FL which was close to an additional XXXX. I understand that contract say non- refundable however the service was never completed so now it is considered fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: XXXX XXXX : After completing three home equity loans applications with NFCU, I have come to the conclusion I am not being treated fairly and this apparent discrimination seemed apparent after the second application was filed. The first was with my husband, who has a previous bankruptcy on his report. I do not. My husband also has a HELOC, I do not. I was told about this and that I should complete another application without him, which I did. My credit was approved, but I was told UW denied my application based on items that are in my husband 's file and then made invalid comments that my file with other institutions was not satisfactory. Upon hearing this I requested a re-consideration and later completed yet another application. I was told by the loan processor they could not get my credit report and could not move forward with the loan. This is ironic since the prior two applications did not have this problem. Additonally, I never heard from the person and supervisor I sent the reconsideration to. Prior complaint : This is the second complaint that I've filed against NFCU. The first dealt with a negative remark on my credit report although there are no late or missing payments. Yet NFCU placed a comment that reads " derogatory '', but only on a third party credit reporting agency and not the three main credit report agencies. The response to CFPB is that they will not remove correct data, however, THEY DID REMOVE THAT COMMENT THAT READ DEROGATORY,.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I filed a fraudulent claim with Navy Federal Credit Union for a charge from XXXX XXXX for {$180.00} that was not supposed to happen. I spoke with customer service and she admitted this was an incorrect charge and XXXX would refund me in three business days. That never happened. I submitted a fraud claim with Navy Federal Credit Union on XXXX XXXX They immediately issued a temporary credit in that amount while investigating ( a process that could take up to 90 days ). On XXXX XXXX XXXX XXXX charged me a second time for a different amount of {$180.00} for the same transaction. I immediately called Navy Federal Credit Union and filed a dispute, letting them know it was the same transaction and to stop any future charges. The only way to do that was to close down my debit card ( a true hassle ) so I did. I went through the dispute process and did not receive a credit to my account. I was told it could take up to 10 business days. It has far passed that and still no credit. I called back on XXXX and was told they weren't sure why it wasn't there. The " system '' determines if a credit is issued. It takes a person to simply look into the fraudulent charge. To date, I am out {$180.00}. It is the holidays and I need this money. In addition, they are now having issues posting transactions. They used to be a great company to work with but they are not taking my account seriously. Can someone please help me recover my money and make sure this isn't happening to others?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was called by an alleged Navy Federal Representative before I was XXXX XXXX XXXX XXXX about fraudulent charges that weren't on my account when I looked. The representative asked me for my security word and to give to read back a code I logged into my bank with the link they sent me. I was XXXX during the occurrence of these transactions I have no idea who has gotten my information however claims were made in my name that I've never made as well as transactions for XXXXXXXX XXXX XXXX XXXX XXXX XXXX This is all fraudulent and not authorized by me. I need my funds returned into my account and the previous account that was closed to be marked as due to fraud and by law not be liable for the identity theft fraud that occurred with the old accounts. I have since been walked through the steps of signing in and getting a new account. changing all passwords and usernames. I demand the previous account to be marked down as closed due to identity theft fraud. The fraudulent was already closed and new accounts opened due to this fraud. I need debt incurred by identity theft to completely deleted from system or marked as identity theft. Ive since restored access to my account and changed passwords and username. FCRA states my consumer report and information reported to any consumer agency will be complete and accurate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I am the beneficial equitable title holder & I brought my over the counter securities to this person in good faith for a line of credit. I put an application in several times, just to be discriminated against multiple times, those applications I put in with this person was a binding contract. I brought consideration to the table & this didnt. In turn they left me with hard inquiries on my reports & no benefits
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was incarcerated from XX/XX/2023 to XX/XX/2023 at XXXX XXXX XXXX XXXX. When I was arrested Police took my property including my debit card ending in XXXX and my cell phones and credit card. I was incarcerated the entire time pending trial. When released I checked my account and noticed I was missing XXXX due to someone using my debit card for the purposes of buying clothes and miscellaneous items online. When I noticed this I contacted XXXX XXXX who told me to put in a dispute which I did. I was denied but the agent told me that they didn't see my documents which included my property list and incarceration documents. So they told me to resubmit and add those documents which I have. I will attach the documents including the transactions. I am needing those funds reimbursed to me because since that it has put a heavy Hardship on me financially especially being I was just released from incarceration it hasn't been easy, and dealing with this has put a burden on my capabilities. Below are the following laws that should be adhered to and abided by in situations as such Electronic Fund Transfer Act ( EFTA ) : In the U.S., the EFTA provides consumers with certain rights, including protections against unauthorized electronic fund transfers. If a customer reports unauthorized transactions promptly, their liability for such transactions is limited. Regulation E : Under Regulation E, which implements the EFTA, banks are required to investigate and resolve errors related to electronic fund transfers, including cases of unauthorized transactions. Consumers typically have a limited time to report such errors. I reported this incident and I just want my funds returned to me. Ive done everything on my end
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A