Date Received: 2023-12-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Subject : Demand for Removal of Inaccurate Collection Account and Compensation Pursuant to FCRA Violations Dear Consumer Financial Protection Bureau, I hope this letter finds you well. My name is [ instructed do not include ] and I am writing to bring to your attention a critical matter regarding potential Fraud, identity theft, securities fraud, Conspiracy, Trustee violations due to lack of disclosure, tax invasion, Assertion : Mishandling and trading of private information may constitute a violation of the Privacy Act of 1974. Racketeering and other erroneous crimes from the way these companies are doing business '. an inaccurate collection account on my credit report, which has been reported by this company. I am seeking its immediate removal and compensation for the time and effort invested in disputing this erroneous entry. The account in question has been listed without my consent, and I want to emphasize that I have no contractual relationship with any of these entities, corporations. They have not only sold and traded accounts yet discharged and claimed funds as abandonment which is not the case because of lack of disclosure. they have not reported the sold accounts to the IRS in benefit of the Beneficiary and they have allowed 3rd party debit collectors to use their name to enforce trauma. I have not provided any authorization for the use of my name, likeness, or credit data, making the presence of this collection account a direct violation of my rights. I am the consumer and a victim of fraud and identity theft, due to non-full disclosure using and selling my personal information and securities, promissory notes, and other instruments for their personal gains to no gain of me the only authorized Beneficiary. over XXXX years i have personally reached out and also asked credit repairing agents to address this matter. I need the credit bureau to mail me all of those correspondence letters received from the credit repair companies. This collection account is in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically outlined in Section 607 ( a ) ( 1 ) and ( 2 ). The FCRA mandates that credit reporting agencies, such as XXXX, ensure the accuracy, completeness, and timeliness of the information they report. Moreover, Section 615 ( a ) ( 1 ) prohibits any person from furnishing inaccurate information to consumer reporting agencies. Section 621 of the FCRA further imposes liability on any person who willfully fails to comply with the requirements of the FCRA, making them liable to the consumer for damages. Furthermore, this situation is a blatant violation of 15 U.S.C 1681 et seq, particularly 15 U.S.C. 1681i and 15 U.S.C 1681j. These sections underscore the obligation of credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information reported. The collection account 's fraudulent acquisition and sale also contravene the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX Fair Debt Collection Practices Act ( XXXX ), which expressly prohibit the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. Moreover, these actions breach federal laws, such as 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ), by engaging in deceptive and fraudulent practices. I kindly request that the Consumer Financial Protection Bureau immediately investigates this matter and takes necessary action to compel the removal of the illegal collection account from my credit report. Additionally, I seek compensation for the time and effort expended in disputing this inaccurate information. Thank you for your prompt attention to this matter, and I appreciate your assistance in resolving this issue. they knowingly or unknowingly Committed securities fraud... all consumer debts should be discharged and paid by the treasury HJR 192 is the insurance policy that protects the legislators from conviction for fraud and treason against the American people. It also protects the American people from damages caused by the actions of the United States I hope this letter finds you well. I am writing to address a matter of great concern regarding my account with your institution. Over the past XXXX years, I have been attempting to resolve issues through various communications, but unfortunately, satisfactory resolutions have not been achieved. This notice aims to draw your attention to specific facts and concerns that point to potential legal violations, including a violation of the Privacy Act of 1974 and the Indenture Trustee Act. Potential Fraud : Assertion : Unverified information has been associated with my account, constituting potential fraud. Supporting Fact : Recorded credit scores, acquired without proper authorization, indicate actions that may amount to identity theft and securities fraud. Identity Theft : Assertion : The acquisition and use of my credit information without proper authorization may amount to identity theft. Supporting Fact : Unauthorized hard and soft inquiries, as well as the trading of private information, raise serious concerns. Tax Evasion : Assertion : Mishandling of financial transactions may raise questions about tax evasion. Supporting Fact : Immediate return of securities bonds, USD principal, interest, and associated terms is demanded for proper rectification. Defamation of Character : Assertion : Your institution 's activities have adversely affected my good name, causing harm to my personal and professional life. Supporting Fact : Denial of loans and investment opportunities due to adverse credit impact is a tangible consequence. Conspiracy Against Individual : Assertion : The mishandling of my account, intentional or not, may constitute a conspiracy against me. Supporting Fact : Ongoing discrepancies and lack of resolution despite diligent attempts indicate potential collusion or neglect. Violation of Consumer Rights : Assertion : As a consumer and account holder, I am entitled to accurate handling of my account information in compliance with federal law. Supporting Fact : Numerous attempts to resolve issues over the past two years have not yielded satisfactory results. Extortion : Assertion : Attempts to commit securities fraud, extortion, omission, or identity theft are unacceptable. Supporting Fact : Cease and desist instructions are issued to stop such activities immediately. Privacy Act of 1974 Violation : Assertion : Mishandling and trading of private information may constitute a violation of the Privacy Act of 1974. Supporting Fact : Unauthorized use of credit information and failure to comply with fair information practices indicate potential Privacy Act violations. Indenture Trustee Act Violation : Assertion : Your institution 's actions may be in violation of the Indenture Trustee Act. Supporting Fact : Improper disclosure or no disclosure of pertinent information regarding my account status and transactions may constitute a breach of trustee obligations. Egregious Business Practices : To verify the facts in the preceding paragraphs, see ( 5 U.S.C. 903, 12 U.S.C. 95, 18 U.S.C.A. 914, 22 U.S.C. 263, 285, 286, 287, 288. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31093
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX XXXX XXXX I had some work done on my roof by XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXX, I wrote and mailed a check from my Navy Federal Credit Union checking account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XXXX XXXX XXXX I got an email from XXXX XXXX XXXX XXXX XXXX saying that they haven't received my payment. I checked online and the check had been cashed/deposited by someone named XXXX XXXX XXXX XXXX XXXX apparently someone who does not work for XXXX XXXX XXXX XXXX XXXX XXXX I immediately called Navy Federal Credit Union to see what I can do, and I was told that basically I was screwed. They weren't able to tell me anything about the transaction, only that I was out XXXX, and would need to write another check for the same amount to pay my bill. The phone rep told me that because there wasn't a stamp on the back of the check, that they didn't even know which institution my money was wired to.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92128
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Navy Federal Credit Union has violated the Equal Credit Opportunity Act by using false, misleading and discriminatory tactics to obtain and use consumer reporting agencies to denial rightful extension of credit. I provided private information at the time which I was made to believe was required in order to obtain a loan. I later found these requirements violated the ECOA, Privacy Act and the Consumer Credit Protection Act. I have a right to privacy and I was coerced into giving up that information. I am now demanding return of application submitted and recession of signature given because no consideration was given in exchange for my collateral. I demand that Navy Federal provide verification in sworn affidavit form of verified negative items on consumer credit report. I demand an affidavit of facts for denial of extension of consumer credit after taking application for use. I am seeking for damages as credit is a right and using unverified and inaccurate information to deny me that right is damaging to the consumer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77581
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Subject : Deletion of Unauthorized Credit Inquiry NAVY FCU ( Finance ) I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX, XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge. The inquiry was made on XXXX, XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry. I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession. Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93637
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I will attach pdf file I reported to XXXX These inquiries are not authorized. This is fraudulent and request to have the following inquiries removed. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Requested to have the late remarks stricken from my report so I can close on a house, but the lenders are refusing to remove said remarks due to their opinion that the information is accurate so they don't need to remove it. The problem with this is that the payments have been made, the delinquencies have been resolved, and a thorough explanation was given regarding what happened to cause the delinquency to begin with. They didn't care. They seem to think that just because it occurred to begin with, I should suffer from such and that they are under no obligation to help out at all. All communication was done over the phone with the lenders-Navy Federal XXXX XXXX and XXXX. The lenderS said the information is accurate and to talk to the credit bureaus. Then the credit bureaus tell me that they only report what the lenders tell them and to go back and ask the lenders to remove it. I have been filing disputes and talking to them but they're dragging this out and I only have so much longer before the seller backs out and my loan possibly gets denied due to these late remarks. I don't know what else I can do because they won't work with me and they aren't doing their job of removing these remarks. I am working with XXXX XXXX to do better and take the necessary steps to have a healthy credit. The date I'm referring to is XX/XX/XXXX 's payment for my {$2300.00} auto loan with Navy Federal CR Union and {$1400.00} loan with XXXX. Yes I was late, but I've explained that it was due to XXXX XXXX with me and my newborn being sick and being worried and distracted by this that I ended up being late. I need a home for my family, so I won't let this happen again because I'm trying to do right by my child. I don't know what else I can say or do to get them to do their jobs, please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX my account was compromised. Someone deposited fraudulent checks into my account totaling {$4200.00}. This amount was deposited into my checking ( {$2200.00} ) and savings ( {$2000.00} ) Someone also added themselves to my account via member-to-member and took an additional {$1000.00}. I contacted my bank ( Navy Federal ) about this and spoke with a representative and they assured me that this matter will be investigated. I received a letter around three days later saying that they investigated it and they found that no fraud occurred. The letter they sent me was dated XXXX, a day after I initiated my claim. I feel like if a true investigation was conducted, it would take more than a day. The representative I talked to said it would take 10-45 days. I called them back and talked with another representative and was told again that the investigation would take 10-45 days to complete. I again received a letter in the mail dated the day after my second call to them. They also sent me a copy of the checks and you can clearly see that these checks are fraudulent and the signature is not mine. These checks are for the same amount ( XXXX ). Whoever got access to my account deposited the same check multiple times. Once the money was available in my account, the fraudster then withdrew the money from the fraudulent checks into another account. It looks like an XXXX account. Then took my actual money ( {$1000.00} ) via member-to-member. I informed my bank that I did not know this person and I don't know how they got access to my information. Hopefully CFPB can help me resolve this matter so that I can get back the money that was stolen from me and put my account back in the positive.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27858
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27893
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I Want All of these inquiries deleted immediately because I did not authorize these companies to Run my Credit that is Fraudulent!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I sent NAVY FEDERAL XXXX XXXX, XXXX a Security Registered mail for payment in the full amount of ( {$50000.00} ) NAVY FEDERAL XXXX XXXX, XXXX received the registered mail on XX/XX/2023 at XXXX XXXX. I instructed NAVY FEDERAL XXXX XXXX, XXXX to communicate only in writing. I have done 4 follow up calls since then to check on the status of the payment, after waiting 5 business days to make sure the registered mail was received the first person I spoke with was XXXX on XX/XX/2023 who confirmed that the registered mail was received & it was going through processing, I should get a update in 5 business days. Once the 5 business days past without receiving any response in writing from NAVY FEDERAL XXXX XXXX, XXXX I have done a second follow up call & spoke with XXXX on XX/XX/2023 he then confirmed that the payment was still going through processing, I also reminded XXXX to make sure all updates should be sent to me in writing. I checked my mailbox, email & etc but still haven't received any update on this matter. I called NAVY FEDERAL XXXX XXXX , XXXX & asked why haven't I received an update yet & they hung up on me mid sentence. Its been 12 business days and counting since NAVY FEDERAL XXXX XXXX, XXXX has been holding on to my securities without honoring or giving any updates in writing for their reason of non performance of fiduciary duty. I gave them full instructions in a letter in the registered mail notarized specifically if they do not honor my security to please send it back, I also reminded them of UCC 3-603 & UCC 3-604 & other codes, NAVY FEDERAL XXXX XXXX , XXXX is performing securities fraud by holding on to my securities & refusing to send it back to the lawful owner. Thank you Done in good faith.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34639
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A