Date Received: 2023-11-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure 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 protected Consumer. I have the right to privacy and making sure that my private information isn't shared Pursuant 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 Credit Union. is a financial institution by definition under that title. Per 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 Credit Union XXXXhe financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to XXXX, XXXX, XXXX, and Navy Federal credit Union whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 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 Credit Union has Never informed me of my right to exercise my nondisclosure option. Also Per, 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 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 Per 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.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had not used my checking account in a very long time. Maybe a 7 to 8 months. I had less than {$10.00}. In the account and the bank never took funds. However I put money in my account so I could pay my mortgage. Soon as the funds was put in they took the {$800.00} Without warning. No notification sent to my phone. Normally I get a notification for everything from this bank. Randomly took the funds and said it was because of a credit card that was closed a year ago. The funds are not put back, they did not care the funds was for my mortgage. Now I'm a month behind. When I trusted a bank to protect me. They go and do this. I really needed that money. Now I have to figure out what I'm going to do to try and pay my mortgage, food ect. Why take funds now? Why not take funds the other months? Waited and took money causing a hardship
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: To whom it may concern, " on XXXX XXXX XXXX I applied for a line of credit. Navy Federal immediately denied my extension of my credit. This is 2 violations of ECOA/ Regulation B by denying me and further discouraged me from applying for an extension of credit '' In Good Faith Without Prejudice By : XXXX XXXX XXXX Federal Protected Consumer
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts are not mine please remove immediately! -XXXX XXXXXXXX {$730.00} Opened - XX/XX/21 -Navy Federal CR Union {$5200.00} Opened - XXXX/XXXX/202 -Navy Federal XXXX XXXX {$24000.00} XXXX - XX/XX/21 I never lived at this address please delete immediately! XXXX XXXX XXXX CT XXXX, IL XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46311
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a claim with Navy Federal Credit Union and my local police department. XX/XX/ Saturday morning I noticed fraudulent charges on my debit card. I was notified today that my claim was denied. The bank has no actual reason as to why it was denied. The fraudulent charges include someone paying their car insurance and car loan payment and XXXX charges. I would think that the banks investigator would be able to get info that those accounts dont belong to me. I have submitted a full police report to them as well but they are not resolving the matter or being helpful.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Everytime I try to open a bank account it will not let me no matter what bank it is and this has been a problem for years now I just want to be able to open a bank account and save money again
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
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 was on vacation in XXXX XXXX XXXX Florida, I booked a VRBO for 11 days, I was there for 4 days from the XXXX XXXX XXXX XXXX, 2023. I communicated with property Management and I made them aware I had to leave early my daughter was diagnosed with XXXX. The Manager of Property advised they would change my stay to end on XXXX th and rebook and refund the difference. They didnt. Nor did they refund my security back. So I submitted a dispute with Navy Fed my credit card co.. uploaded proof of communication 15 pages the host of property refused to communicate with NFCU! NFCU want additional info from me, the property mgr changed the rate per day if my stay, from XXXX $ per night to XXXX $ without my permission or knowledge ( cooking their books agaitge law per IRS and VRBO policy. VRBO removed them off their site for violating their policies. NAVY Federal still will not reverse my credit card even though I uploaded proof of host agreement to refund my stay and lack of communication with NFCU AND VRBO! They ( the property mgmt even changed the dates to coincide with my stay so that further solidifies their agreement to refund my stay of 7 days. NFCU refuses to do anything to help me. I advised I would reach out to you, the NYS Attorney General and IRS for them adjusting their books without my permission or knowledge. Please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 14224
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for a credit card from Navy Federal and I informed the representative that I wanted cash back rewards but I received the platinum not know that it was not a rewards card. I called after noticing no rewards and inquired into why. A supervisor asked why I did not inform them immediately, I told her I didn't know the difference. She made it like it was my fault. On XX/XX/2023 She called me a lied saying that a new card was going to sent out within 10 days, after not receiving a card I called back an was told that the request was denied by the back office and I can apply again after a year. If I made a mistake and harm the credit they want me to make it right but since they are wrong I have to suffer
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Changes in loan terms during the application process
Consumer Complaint: We applied for a NFCU VA mortgage on XX/XX/XXXX after locking in a mortgage rate of 6.125 %. I had shopped with 5 other lenders and NFCU was the cheapest by a full point so we were happy. We provided everything requested by our loan officer within 24 hours and he told us he had zero concerns about financing and we would be approved. We both have XXXX credit scores, have been XXXX XXXX for 20 years, and our tax return showed an AGI of around {$270000.00}. Additionally we have zero debt and are outstanding credit risks in absolutely every way. On XX/XX/XXXX, after hours on a Friday night, we received an automated denial email. We were unable to speak to anyone until Monday, when we were told that NFCU had to make a decision within 30 days and the underwriters needed to go home on Friday and since they didn't have everything they may have needed that they issued a denial. I had last spoken to our loan XXXX on XX/XX/XXXX and he told us he had everything they needed so far and if the underwriters needed anything he would let us know. We were shocked at the denial. We immediately asked for an appeal, then we were told that the underwriters said we showed a monthly loss of {$25000.00}. This is ridiculous, our tax returns clearly show this is not true. The underwriters were deducting depreciation and showing it as a loss. I sent them the language from the XXXX XXXX for lenders that stated " Depreciation shall be added back into income '' and " Lenders are encouraged ot make VA loans to all qualified Veterans who apply ... .Underwriters must apply reasonable judgment and flexibility in administering this important Veteran 's benefit. '' NFCU then sent me a screenshot of my supposed loan application. I immediately noticed several errors, including incorrect phone number, incorrect address, incorrect LLC dates, {$25000.00} loss, etc. I let them know I had never seen this before and I didn't know who filled that out. The next day I logged into the NFCU portal to look at the application again, and it was different from the screenshot NFCU had sent me. Clearly someone at NFCU was modifying our loan application without our knowledge or consent. I have attached screenshots of both versions so you can see this for yourself. At this point we were {$10000.00} into sunk funds paying for appraisals, non-refundable earnest money, etc. so we offered to put 20 % down on the VA loan. While it wasn't our first choice, it would retain the 6.125 % interest rate. NFCU denied that, but offered us a loan for 5 % down at 8.250 % or 20 % down at 7.375 %. When we finally received our official denial letter it stated that we had an incomplete credit application ( we had NEVER been told this, in fact we were told all along that they would let us know if they needed anything else. I believe they stated the application was " incomplete '' because they ran out of time with the 30 days ) ; and that we had insufficient income for the amount of credit requested. This is ridiculous. I make {$150000.00} a year and my husband makes {$180000.00} a year. They had our taxes showing AGI of {$270000.00}. We asked for a loan of around {$910000.00} and even offered to put 20 % down which would take it to around {$730000.00}. It is ludicrous that NFCU denied us for a VA loan with 20 % down but offered us a conventional at 5 % down. The only difference is the interest rate. We ended up not getting the house, and losing the {$10000.00} due to NFCU.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78148
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I received this Garnishment Notification : " Navy Federal received legal notice of CHILD SUPPORT ORDER in the amount of {$24000.00}. If you don't have the funds necessary to cover this amount, your account will be frozen immediately. To resolve this matter, contact CALIFORNIA DEPARTMENT OF CHILD SUPPORT SERVICES at XXXX and reference case number XXXX. '' I contacted both parties and informed them that this had to be a situation of fraud and requested they both do a thorough investigation before proceeding with assisting with fraud, identify theft, securities fraud, breach of fiduciary duties and tort violations against me by high jacking my funds. I never got a call back from either party, only an email : " {$7900.00} was withdrawn from your XXXX XXXX account ending in XXXX on XX/XX/XXXX. '' This left me with {$0.00} to my name. Then had the nerve to notify me that next day that my account was overdrawn, and I'd be charged a fee! I immediately informed Navy Federal that an unauthorized withdrawal had wiped out my bank account. Upon transferring me to the Levy Department, I was informed that NAVY FEDERAL AUTHORIZED AND MADE THE WITHDRAWAL ON MY BEHALF based on the letter sent to them, from the California Child Support Division stating I owed them money for unpaid child support. I told them it was fraudulent, and they are in violation and asked them to return my funds. It was the middle of XXXX and XXXX season, and I need to pay my bills, rent, and use that money to complete a project that was underway and near completion. On top of that, the project was out of town, and this would immobilize me and my small business. The Navy Federal representative told me there was nothing they could do about it because I should have paid my child support. I informed them that I had never been to California and don't have any kids in or from California. I asked for the proof that was gathered from the investigation, showing this debt, lien, and levy to be valid. I was told it was valid because it came from " the government '' in the form of a letter my accounts would be frozen until the said amount was paid in full. In XXXX of XXXX, The Refund Disbursement Check was sent to the Navy Federal Corporate Office, but they returned the check and told them to send it to my personal address. I requested Navy Federal to return the funds electronically since that's how the funds were fraudulently disbursed from the start. They told me it was out of their hands, and I'd have to wait on the check to arrive and deposit it into my account. Here we have clear evidence of, but not limited to : Fraud ( constructive ) - in the sense of a court of equity, properly includes all acts, omissions, and concealments which involve a breach of legal or equitable duty, trust, or confidence justly reposed, and are injurious to another, or by which an undue and unconscientious advantage is taken of another. Malice - In the law of torts, malice means a wrongful act done intentionally, without legal justification or excuse, and with the knowledge that it will cause injury or damage to another. - In the law of libel and slander, malice means an evil intent or motive arising from spite or ill will, personal hatred or ill will, or culpable recklessness or a willful and wanton disregard of the rights and interests of the person defamed. Gross Negligence- in banking is a term that refers to the professional negligence or misconduct of a bank or a banker in their dealings with customers or clients. - A lack of care that demonstrates reckless disregard for the safety or interests of others, which is so great it appears to be a conscious violation of other peoples rights or duties. Gross negligence is a heightened degree of negligence representing an extreme departure from the ordinary standard of care. - Failing to verify the identity or the authority of the person who requests a transfer or a withdrawal from a customers account, resulting in unauthorized or fraudulent transactions. - Breaching the fiduciary duty or loyalty to the customers or clients by acting in their own interest or against the customers or clients best interest. The results of these actions led to a great season of turmoil : 1. Utilities were shut off in XX/XX/XXXX. 2. Evicted in XX/XX/XXXX. 3. Breached contract for not completing the project upon the agreed time causing me to lose what had been put into the project, ( time, travel, resources ) and final pay, which was approximately {$45000.00}, XX/XX/XXXX. 4. My fianc called off the wedding accusing me of lying, cheating, and having a child in California that I didn't tell her about, XX/XX/XXXX. 5. Ruined personal and business reputation causing loss of opportunities.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A