Date Received: 2023-10-30
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: XXXX OPEN XX/XX/23 debt dispute, company failed to respond to dispute and reported a late payment without the debt being validated and with refusal of remittances. Company is in dishonor, is a threat to the public interest and is deliberately causing injury. Company is in violation of security fraud. Mail fraud and theft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I provided XXXX XXXX XXXX Chief Financial Officer at Navy Federal Credit Union Registered Notice of Intent to Tender Payment ( Notice of Accord ) sent XX/XX/XXXX via registered mail XXXX XXXXXXXX and received XXXX to invoke my right to suretyship and guaranty due to lack of informed consent on being considered an Enemy of the State according to the Trading with the Enemy Act of XXXX and under the War Powers Act of XXXX as well as Emergency Banking Act of XXXX. No response was received regarding Intent to Tender. I followed with Registered Notice of Tender with Special Deposit/Tender , Postal Money Order XXXX XXXXXXXX ( Trust Deed ) which was sent XX/XX/XXXX and received XX/XX/XXXX. Tender was returned regular mail with " Conditions not Accepted '' as the reason. I re-sent Registered Notice of Tender with Special Deposit/Tender , Postal Money Order # XXXX on XX/XX/XXXX and received XX/XX/XXXX requesting written correspondence on tender process guidance. Again Tender was returned regular mail with " Conditions not Accepted '' as the reason. According to Code of Virginia 8.3A-603a [ UCC 3-603b ], if Tender of Payment is Refused, there is Discharge. My notices have been ignored. I am seeking help in equitable resolution to this matter regarding Banks Liability for Wrongful Dishonor, Code of Virginia 8.4-402. Finally, I sent Registered Statement of Discharge outlining all attempts to resolve this claim, Notice of Debt Assignment and Notice of Equitable Interest was sent via Registered Mail # XXXX on XX/XX/XXXX and received XX/XX/XXXX and to XXXX XXXX XXXX XXXX Attorney at XXXX and XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: i have applied for a new credit card, it was denied .. they sent me a email that suppose to tell me an exact meaning .... i called multiple times and also days after because they could not answer my question legitimately, i requested a manager, they sent me to a supervisor, which didn't know not one legal right i proposed to them, he replied saying he wasn't a lawyer and can not answer my question, then i requested a manager, which he denied and hung up the phone .... till today i still dont have no exact reason i was denied...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I filled a report ftc and police report for identity theft. For the last 8 months I have tried to open up an account with navy federal and was not able I called them and they said I had an account which I never did. They did restrict all account access Im currently building credit and working towards getting loan approvals. They refuse to open me up a account even with the information I have provided
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Navy Federal XXXX XXXX Credit card I called them yesterday and let them know that I was going thru a financial hardship. My father just passed and all of my money is going to my mother at this point because she needs her sons help. I asked them what they can do for me the represenatives states they couldnt do anything for me at all. Its past the months to state you need help. I asked could they take away the late payments they told me they cant. I asked can they help me lower the payments they told me no. They insisted on using my secured money that was sat aside to get rid of the balance I told them no because I already gave them a Security collateral that is a application and asked them to use that to pay the interest and equity to the principal balance they told me I didnt have equity or interest in this business. It clearly states on there website they every person that holds an account has equity so they lied to me and was ignorant to me then hung up on me they did this multiple times. I have no help at the moment XXXX a single dad raising XXXX children they wont do nothing to help me out and I see that this very wrong to do to a consumer. They are not acting in good faith at all and they are using money that is not theres. They told me banks loan money and I know this for a fact that that no bank loans money at all. They loan a security interest and bonds so I need help with this they threatened to close my account if I did not make the payment in which I could not make.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Hello, Please completely remove me as authorized user from the Navy Federal Credit Union crediXXXX cards attached - there are 2. Please completely remove these tradelines from XXXX, XXXX, and XXXX- so it does not show at all. Attached to this CFPB is : - written request to remove - copy of the credit card ( now shredded ) - copy of my drivers license, social security card, and address Please note that are 2 credit cards. Please have this handled as soon as possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Request the following information from Navy Federal Navy Federal Credit Union is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. Navy Federal reporting inaccurate information and its damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. As Defined by The IRS Even if you didnt receive a form 1099-C, you must report cancel debt as gross income on your return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORT ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition the IRS Clearly says a Cancelled or Charge is income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 Says your company are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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. You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the Lender is a financial institution, credit Union , federal agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from IRS 2021 publication. SEND ME MY FORM 1099-C that should have sent when you have filled the account as a canceled debt. My address is listed below 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE this erroneous, inaccurate account from my consumer report. Navy Federal had 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! 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: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 section 602 states, I have the right to privacy. 15USC1681 section 604A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76108
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Navy charged the debt off my report after calling three times threatening me that they would come to pick up my car. My car had a Lien on the motor due to a bad motor they were supposed to be sending the title over to the mechanic but instead sent a tow truck to seize my property after they had already charged it off my credit and sent my debt to a debt collector without my permission or consent. After that they sold the car and say I still owe half of the final amount than took XXXX dollars out my bank account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: The following accounts I did not authorize them to be opened, and would like them removed from my XXXX XXXX consumer report. I have disputed them previously, and would like validation of the ownership if they can not be removed. Also, Navy Federal will need to provide its verification process, in detail, as well ; rather than just responding with unsupported statements. Navy Federal Credit Union Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A