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 XXXX, 2019 {$15000.00} this item is reporting inaccurate on my credit report I have sent all requested supporting documents to support my claim I request that all inaccurate reporting items be 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
Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am having trouble recognizing an account, please provide me with any account documents that shows the alleged debt belongs to me. Account Number # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Last summer in XXXX ( I dont have the exact day ) I made a payment of roughly {$800.00} to Navy Federal for my credit card which was intended to bring the card current after being behind on payments. The money was available in my account and the payment was confirmed, then it was returned back to my Navy federal checking account. Because the payment was sent back, it did not register my account as current anymore. In the subsequent months, the card continued to accrue late months and the card was closed. I was unaware of the card closure until XXXX when I checked my credit report. I stopped making payments again because I didnt know what to do when a card is closed. I was under the assumption that I could no longer make payments on the card. Ive called numerous times about having the card reinstated as it was an error that led to the closure. Ive also asked if at the very least, navy would remove the late payments, but Im always advised that navy does not do this although Ive seen them do it for others. Im currently under some type of repayment assistance and paying down the balance, but because the card was closed, I can not use it. Theyve also reported the cards {$10000.00} limit to the credit bureau so it is registering as I have XXXX available credit for this XXXX card but over XXXX in debt so my utilization has increased to 900 % and my score has taken a XXXX point hit. Ive sent a certified letter to them in regards to the late payments at the very least & requested for my card to be reinstated numerous times over the past year since the late payments are due to some sort of system generated error after payment processing. I am 100 % sure the funds to make the payment were available in the account and the reason for closure was the late payment that eventually led to the account being past due XXXX days. Ive inquired about reinstatement numerous times but Im always told Navy doesnt reinstate cards unless it was their error. This is an instance where it was their error. Either way, I have to pay the balance down, but with late fees, interest and the original principle usage, it will take time to pay it down. My credit score is in shambles because of what the closure did to my utilization. Navy has been an amazing bank to me and I want to mend this but this credit card mix up has taken quite the toll on me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. XXXXXXXX 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 XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account been permanently restricted for over 6 months with the Current Statement Balance : {$14000.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a checking account in XXXX XXXX with Navy Federal Credit Union ( NFCU ), deposited {$25.00}. I was informed that restrictions were placed on this account due to results from XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I disputed the results through XXXX XXXX XXXX in XX/XX/, the reporting agency. My bank confirmed that I was not liable and XXXX later notified me in writing ( and provided a copy of the updated report ) that the reported item was removed. On XX/XX/, I received a letter from NFCU stating they " requested the removal of the disputed information. '' However, the restrictions were not lifted ; and therefore, I can not access my account. I called the NFCU toll-free line on XX/XX/, requesting that the restrictions be lifted. My request was denied, and the representative stated that I needed to take the updated report to one of their branches ( 30 mins away from home ). I opted to call XXXX to inquire about how they report the updates and they stated that there is a live database that NFCU should have access to review the updates. I called NFCU back on XX/XX/ and learned they were unaware of this database. I took the updated XXXX report to NFCU on XXXX requesting restrictions to be lifted. The representative stated that she was unfamiliar with this kind of case and contacted two next-level representatives, who could not help. I requested to close the account instead. This request was denied. I requested information for filing a complaint twice before receiving contact information for the Consumer Financial Protection Bureau ( CFPB ). I was not provided a direct contact for the institution to file a complaint. The representative also communicated with the manager, who stated that they needed the dates of my phone calls to their toll-free numbers in order to escalate. I provided this information. I was also directed to the security department, which MAY be able to help me. There seems to be no protocol to address my issue, and they are withholding my funds even though I submitted proof of the updated report from XXXX and provided them with the letter they, NFCU, sent me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I sent this to Navy Federal with my dispute. To whom it may concern, On XX/XX/XXXX. My fiance and I contacted XXXX XXXX XXXX to tow a XXXX XXXXXXXX XXXX XXXX Georgia XXXX The charged a fee of {$910.00} to contract a company to tow us. The Company XXXX XXXX XXXX XXXX Im assuming wouldbe paid by this company. After calling XXXX ( the number XXXX XXXX initially called us from to confirm location ). several times because no one came or called us to give us updates It would ring once and hang up as it still is today XXXX XXXX XXXX XXXX never showed up but called my fianc and said they was unable to tow us because they did not want to deal with XXXXXXXX XXXX XXXX as they seemed shady. The number XXXX to XXXX XXXX who was the XXXX XXXX driver who contacted us and said they will unable to tow us. We had to get towed by another company due to the prior company not providing service. I researched my fiance browser history and found a number for XXXX XXXX XXXX but they acted clueless that number is XXXX Thanks, XXXX XXXX We were to picked up at XXXX XXXX at XXXX XXXX XXXXXXXX and taken to XXXX XXXX XXXX XXXX Ga XXXX ****Attached is *My call log **proof of payment to fradulent company ****proof of having to get another tow company **** Number of company fraudulent company contacted for tow This was sent with my dispute and Navy Federal denied my claim .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/, I XXXX XXXX, applied for a XXXXXXXX Navy Federal unsecured, revolving credit card. I was denied and received an email stating their denial and that they will send out a letter stating why I was denied. Adverse Action letter was never sent out to my home address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is in direct violation of Equal Credit Opportunity Act 12 CFR 1002.9 " A creditor must notify an applicant of action taken on the applicant 's request for credit, whether favorable or adverse, within 30 days after receiving a completed application ''. They did, however, send me advertisements which discouraged me from applying to another one of their credit cards and have also sent me a letter stating that I am now an authorized user on my father 's Navy Federal Credit Union 's credit cards. The fact that they are sending me propaganda is also in violation of ECOA 12 CFR 1002.4 and further shows that this is not a case of inadvertent error or technical, printing error or any other technicality otherwise implied. Navy Federal has been able to send me without any problems other postage but negligently failed to send me a proper adverse action letter as mandated by consumer law. I have sent them on XXXX XXXX XXXX more than 30 days later certified mail with a return receipt hardcopy of a Notice of Failure to provide Adverse Action letter. I am attaching a scanned copies of this letter on this complaint form with certified mail receipt, as well as the propaganda sent to me recently, and the letter stating that I am an authorized user on my father 's credit line.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33322
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Booked a car rental through XXXX, they never sent any confirmation number but they did debit my account. A few weeks before the rental date I reached out to them to request this information and they informed me that I was not in their system ( via email ). I filed a dispute with NFCU who initially credited me and had me send in the email, but their fraud department keeps claiming I didn't turn in the email although customer service can see it and I have 2 separate occasions where customer service confirmed receipt of the email on record. They closed the dispute today citing a lack of evidence. I believe their department is harassing me, either that or they're incompetent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32901
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Told the bank this was fraud and submitted all my police reports and even filled out their documents and they cleared me of the checking and savings account fraud but wont clear me for the credit card one for {$1800.00} bad enuff they took way pass the 30 days timeframes to get this resolved! I have been disputing this for years and also they never sent me any type of notice I had to call and go into the bank to find out what my outcome was!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A