Date Received: 2023-11-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This is the second time that I had to file a complaint on these companies. I have talked with XXXX XXXX and XXXX & was told to put in ANOTHER complaint with CFPB I also filed with FTC about removing these inquiries because it's tarnishing my credibility. I have Hard Inquiries on my credit report that I didn't make. Someone made multiple calls with my information and tried to open several accounts. I contacted ( FTC ) and was redirected to file a complaint through ( CFPB ) on these accounts below listed. I desperately need these removed ASAP it's hurting my credit worthiness terribly. I have tried contacting the creditors explaining the situation with still no resolution resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Whom It May Concern, I am writing to formally file a complaint against Navy Federal Credit Union for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report late payments on my closed and charged-off account. This action infringes upon my rights under the FCRA laws and demands immediate rectification to comply with legal standards. Navy Federal Credit Union 's ongoing reporting of late payments post-closure and charge-off of the account directly contravenes the FCRA laws, particularly Sections 623 and 605. Under Section 623, it is mandatory that the information reported by creditors to consumer reporting agencies is accurate, complete, and updated. The continuous reporting of late payments after the account closure violates these stipulations. Moreover, Section 605 requires accurate reporting of the account status, and the reporting of late payments on a closed and charged-off account is misleading and inaccurate. Furthermore, the issuance of a 1099-C form signifies that the debt was charged off and written off, thus releasing me from the obligation of repayment and making me tax liable for the discharged debt. Under the FCRA laws, this discharge of debt should be reflected in the credit report accurately. Navy Federal Credit Union 's reporting of an inaccurate balance post-charge off constitutes a violation of the FCRA, specifically Section 605. In light of the aforementioned violations, I demand that Navy Federal Credit Union take immediate corrective actions in compliance with the FCRA. This includes : 1. Ceasing the reporting of inaccurate information on my credit report, specifically late payments on a closed and charged-off account. 2. Stopping the reporting of an amount owed that is no longer valid due to the charge-off and issuance of the 1099-C. 3. Either reporting an accurate {$0.00} balance or removing the accounts completely from my credit report in line with FCRA regulations. Failure to comply with these requests will compel me to escalate this matter to the appropriate regulatory authorities to ensure adherence to the FCRA laws. I expect a prompt response acknowledging receipt of this complaint and detailing the steps Navy Federal Credit Union will take to rectify the inaccuracies on my credit report. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Navy federal credit union closed my account without any explanation. after multiple calls and conversations with multiple representatives still no logical explanation was given as to why my account was closed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: they approve on one of the loans XXXX XXXX, but i wanted the XXXX XXXX as this vechile with another XXXX XXXX was higher, i like if the could XXXX on XXXX and not the XXXX if they could switch, so XXXX would have a lower rate
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On Friday XX/XX/XXXX I noticed two transactions of Bitcoin purchases through XXXX in the amount of {$500.00}. I initially called XXXX who told me they could not help me and that I had to contact my bank ( Navy Federal ) I called them next and followed every step they told me to do. I unlinked my debit card from XXXX. I then canceled my debit card and got a new and closed down my XXXX. In the past I have used XXXX but only to send money and receive money. I do not know how to pay for Bitcoins or how it was purchased. I then filed a claimed for fraudulent transactions and was credited {$500.00} on Tuesday XX/XX/XXXX. On Wednesday XX/XX/XXXX the {$500.00} was token out of my account and the claim was denied leaving my account in a negative status of - {$470.00}. I have reached out to Navy Federal in detail. Then unbeknownst to me my XXXX account was still linked to my Navy Federal account. When I tried to unlink it I found out that I could not do it on my own. Something that took less than 30 seconds to do I had to wait over an hour to get a call back so that their digital department could unlink my XXXX account. By that time someone had already XXXX me {$500.00} to my bank account that was in the negative and now that money is just gone. Navy Federal refuses to dispute that money and return it back to the sender. I have called and sent numerous of emails and no one is willing to help. I have had people hung up on me and even asked me well what do you want me to do, I cant help you it is very disappointing and disheartening because I have had this account for years and never had any issues like this before. And the fact that no one is helping me is really sad to say the least.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: Purchased fully without lending during XX/XX/XXXX a ground floor condominium unit due to a XXXX XXXX. At time of purchase with inspection flooding or leaks of any kind did not exist immediate past ( 1 year ) or at that present time. Once sale was complete and upon moving in a flood occurred from a waste pipe. Flooding continued and from two separate locations directly related with waste pipes. A HELOC application and appraisal was completed for a fee of approximately {$1400.00} on or about year XXXX. Following approval of HELOC the related HOA/Home Owners Association and its collection agent sold the deed and title of condo at auction in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Their stated reason for this action was failure of HOA dues payments. The dues payments were actually stopped/halted due to the fact the HOA has full responsibility of its waste pipes and refused, failed to act on the flooding, leaking of waste pipes to my home. Fast forwarding a bit here, the matter reached a trial court. The actions and decisions from me ( condominium title & deed owner ) were correct and justified. The HELOC lender never appeared or communicated with me prior to, during or after trial and judicial findings or rulings. The condominium, its title and deed were forced from me. To this current date or as of XX/XX/XXXX the HELOC account and lender continue taking money from a checking account and savings account, completely separate accounts, that never was it asked/requested to be linked to HELOC. The various amounts of money are literally taken or withdrawn at any given date or any given deposit the HELOC lender deems appropriate. This happens ongoing totally regardless of anything. The fact that the condominium was forced from me, my home ownership, means absolutely nothing. PLEASE HELP! S.O.S. S.O.S
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was scammed on XXXX reported it to Navy Federal Credit Union . They returned the cash advances from my Credit Card that are issued by them. On XX/XX/2023, Navy Federal took {$1900.00} dollars from my VA XXXX check to pay to the scammers who also scammed money through my XXXX and XXXX XXXX accounts without my permission. I know that by law Chapter III if the Federal Code that the can not take my protected income that I pay my mortgage and car note with or money that I need to live off of. They have still not given any explanation as to how they are going to pay scammers with my protected income! Im asking that you make them return it so that I will be able to pay my bills!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Subject : Formal Complaint Regarding Improper Fraud Claim Review and Lack of Documentation | Dear Navy Federal Representative, I am writing to formally lodge a complaint against Navy Federal Credit Union regarding the improper review of a fraudulent account opened in my name. I believe that Navy Federal has violated several sections of federal law, particularly 12 CFR Part 1005 ( Regulation E ) 1005.6. Also according to the Gramm Leach Bailey Act ( GLBA ), financial institutions are required to regulates the collection and disclosure of private, personal financial information, requiring financial institutions to provide a privacy notice to all customers, prior to entering an agreement to do business, and needs to detail : a. the personal information that will be collected. with whom and where personal information will be shared. how personal information will be used. how personal information will be protected being able to opt out of sharing certain personal information with unaffiliated parties. However, in my case, Navy Federal has failed to provide proper documentation to substantiate their claim that the debt associated with the fraudulent account is indeed my responsibility.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX XXXX XXXX I applied for a Navy Federal Flagship Rewards credit card with the value of {$80000.00} using my Social Security Number / Card, which is referred to as a Credit Card by congress under 15 USC 1602 ( L ) which states : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.. My application for open-ended credit was denied which is a violation of 15 U.S.C. 1691 : Scope Of Prohibition which highlights the following : ( a ) Activities constituting discrimination : It shall be unlawful for ANY creditor to discriminate against ANY applicant, with respect to ANY aspect of a credit transaction this includes but not limited the following denial reasons : -Applicants has no recent information about revolving accounts on his/her report -Applicants credit history -Applicants income & its origin -Applicants Credit Score Denying me access to my Open-ended credit is an act of discrimination. According to 12 U.S.C. 1431 : Powers and duties of banks ; Each Federal Home Loan Bank shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations which means banks can not lend anything to a consumer who is a natural person and the original creditor because theyre operating on bankruptcy under house XXXXoint resolution 192 abortration of gold clause. According to Public National Credit System & House Joint Resolution 192 debt is LEGAL TENDER money. Which means my income regardless of amount or origin can not be discriminated against because all debt is legal tender money and is prepaid. Tender means the following : Tender is to unconditionally offer money or performance to meet an obligation. The term most commonly arises in the context of the contractual sale of goods. As a secured party creditor who is a natural living person under the UCC file number ( # ) XXXX that has initiated a consumer transaction with an application According to UCC 3-103 : " Consumer transaction '' means a transaction in which an individual incurs an obligation primarily for personal, family, or household purposes. My application makes me the drawer : " Drawer means a person who signs or is identified in a draft as a person ordering payment. Which makes Navy Federal Credit Union the drawee : " Drawee means a person ordered in a draft to make payment. In Good Faith, I hereby kindly instruct Navy Federal Credit Unions Lending Team to approve my Consumer Transaction/Application after a reevaluation. Accordinging to the Bill Of Exchange Act it states A bill of exchange, a short-term negotiable instrument, is a signed, unconditional, written order binding one party to pay a fixed sum of money to another party on demand or at a predetermined date. A bill of exchange is sometimes called draft or draught, but draft usually applies to domestic transactions only. The term bill of exchange may also be applied broadly to other instruments of foreign exchange. I Also Instruct Navy Federal Credit Union to mail my Navy Federal Flagships Reward Credit Card to the address listed on the application and apply {$80000.00} to the credit card each and every billing cycle for set off. Set Off Means : The right of someone who owes money to subtract from the debt any money owed in the other direction. This Means Im not obligated to pay any of the debt owed and have the right to accept the value and return it to Navy Federal Credit Union for settlement of the bill. XXXX XXXX XXXX XXXX, Principal Natural Person, In Propria Persona, Suit Juris All rights Reserved Without Prejudice U.C.C. 1-308/ 1-103
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Problems receiving the advance
Subissue:
Consumer Complaint: I applied for a loan from Navy Federal to pay off a credit card and another loan it was approved. I never received the loan and they never paid off the credit card .then the sold tge loan to a 3rd party that is now trying to sue me for a loan the was never received
Company Response:
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A