Date Received: 2023-11-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Navy Federal XXXX XXXX Currently On-time late payment XX/XX/2022 {$2500.00} Limit [ - Currently On-time ] Navy Federal XXXX XXXX XXXX XXXX {$8500.00} Limit [ Navy Federal XXXX - Currently Late ] To Whom It May Concern : I recently received a copy of my [ XXXX, XXXX, or XXXX XXXX credit report and identified transactions posted on my credit report related to my Navy Federal Credit Union accounts that appear to be in violation of federal laws governing consumer reports. Late Payments : XXXX. Navy Federal XXXX XXXX : Currently On-time, XX/XX/2022 {$2500.00} Limit XXXX. Navy Federal XXXX XXXX : Currently Late, {$8500.00} Limit Your company is in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX Compliance, constituting a reporting violation under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include : ( A ) Subject to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report ; On the dates reported transactions from both credit card accounts to my consumer report. Section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) explicitly states that transactions between the consumer and the person/corporation making the report are not to be included in consumer reports. Your reporting of this information to my consumer reports is a clear violation of XXXX compliance. I request the XXXX compliance disclosure regarding reporting transactions to a consumer reporting agency. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is a clear violation of XXXX compliance. I demand the transactions reported on [ insert late payment date/s here ] to be deleted from my consumer reports immediately. I want to be clear that I am not asking for validation or verification. Do not respond with requests for validation, as it is not my intention to engage in such a process. Furthermore, under 15 USC 1666b ( a ) : ( a ) TIME TO MAKE PAYMENTS : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I insist that the above transactions be deleted from my consumer reports promptly. Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11741
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Navy federal closed my acct without notification also won't tell me why they closed acct they recieved payments between XXXX and XX/XX/2023 and violated there own terms and conditions I believe it XXXX no payment they can close acct but they recieved payments and money out of my checking acct between the time they said they mailed letters out funny thing is I have letters from XXXX non of them state closing of my credit card account this is a breach of contract breach of agreement also bad business practices they also held my check that was being cashed for XXXX dollars for 10 days and took XXXX I also made arrangements to pay this account before the closing of account they automatically took money out of my checking account regardless of amount a payment was made and account is caught up in good standing once they recieved money by law they can not deny me credit or prevent me from accessing my credit
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This debt engaged in XXXX, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: NAVY FEDERAL CREDIT UNION, Account # XXXX, Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX. Account closed and reported under my name on XXXX XXXX XXXX This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I hope this letter finds you well. I am writing to express my serious concerns regarding what appear to be violations of security regulations by your company. It is with great disappointment that I must bring this matter to your attention.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: NAVY FEDERAL CREDIT UNION, Account XXXX XXXX XXXXXXXX, Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX. Account closed and reported under my name on XXXX XXXX XXXX. This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Yes I reached out the Navy Federal Loan Department multiple times to let them know that they were in violation of the law and they had violated my rights and my constitutional right to the pursuit of happiness I gave them the link to your website to read the law and still told me that they did nothing wrong this has created great harm and shame me in front of my family and friends
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29801
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I had a problem with Navy Federal for denying me for getting a second pledge loan in my name. Now my credit score dropped for inaccurate credit reporting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I spotted NFCU did a soft pull without my permission. Address of the inquiry is XXXX XXXX XXXX XXXX, VA XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Navy Federal Credit Union XXXXXXXX XXXX, {$20000.00} Items reporting inaccurate as a result of identity fraud Ive sent in all requested documents to support my claim and to have all inaccurate items blocked and removed immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A