Date Received: 2023-10-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Navy Federal Credit Union is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Navy Federal Credit Union to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; Navy Federal Credit Union did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking Navy Federal Credit Union to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, etc... This notice is pursuant to 15 USC 1692 ( c ). The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of {$1000.00} for each violation listed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
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: Managing an account
Subissue: Banking errors
Consumer Complaint: For some back story, when on vacation in XXXX in XX/XX/, I was XXXX and had my phone stolen. Because I was under the XXXX XXXX XXXX XXXX they gave me, they had full access to my phone and all of the banking apps, and cards connected to XXXX XXXX. Along with taking Cryptocurrency ( long gone ) and transferring money via XXXX XXXX ( also long gone ), they made {$360.00} in purchases on my Navy Federal Debit Card via XXXXXXXX XXXX. They purchased XXXX gift cards, XXXX gift cards, and more before Navy Federal shut down my card for Fraudulent Activity. They also froze my Checkings Account for fraudulent activity. They did both of theses on their own before I reported the fraud myself. The next day I called Navy Federal and told them the full story and submitted a fraud claim over the phone. After about a month they denied my claim stating it wasn't fraud ( despite them freezing my card and account for fraud before I even told them to ). I appealed the denial and answered in detail all of their questions as well as provided screenshots of emailed receipts of all the fraudulent activity not only with my Navy Federal account, but my other banking institutions as well ( XXXX, XXXX XXXX, XXXX, etc ). They denied the claim once again, this time only saying " no pertinent information was provided. '' I have been a member with Navy Federal for 5+ years and for them to insinuate that I'm fraudulently submitting this claim for a mere {$360.00} is disappointing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90249
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Sworn Affidavit Validation of Debt Date- XX/XX/2023 Notice To Agent Is Notice To Principal Is Notice To Agent ( I am putting Navy Federal Credit Union on Notice ) Account numbers- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CEO/ President Navy Federal Credit Union XXXX XXXX You stated that I owe you a alleged debt that I would like to be validated under the UCC, FCRA, FCPCA as accurate and complete. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnisher of information to provide accurate information ( XXXX ) 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. I am requesting a validation of debt request in accordance with 15 U.S. Code 1692g - Validation of debts. Which states ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirtyday period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. If you are not able to validate this debt under 15 U.S. Code 1692g ( b ) that states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Under my XXXXgiving rights under this sworn statement affidavit statement saying Navy Federal can verify I own this alleged debt with a signed contract with my two wet signatures and the promissory note with my signatures under the penalties of perjury in reference to my rights under the UCC Code 3-308. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. Which states ( a ) In an action with respect to an instrument, the authenticity of, and authority to make, each signature on the instrument is admitted unless specifically denied in the pleadings. If the validity of a signature is denied in the pleadings, the burden of establishing validity is on the person claiming validity, but the signature is presumed to be authentic and authorized unless the action is to enforce the liability of the purported signer and the signer is dead or incompetent at the time of trial of the issue of validity of the signature. If an action to enforce the instrument is brought against a person as the undisclosed principal of a person who signed the instrument as a party to the instrument, the plaintiff has the burden of establishing that the defendant is liable on the instrument as a represented person under Section 3-402 ( a ). In order to validate and verify this debt is mine under UCC Code 3-308 their has to be proof of my signature on the contract ( instrument ) you want to collect debt on. Under Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER V - DEBT COLLECTION PRACTICES Sec. 1692g - Validation of debts, please provide me with ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( 6 ) Bill of sale ( 7 ) Proof of Purchase ( 8 ) Accounting Record ( 9 ) Proof of Contract ( 10 ) Privacy Notice ( 11 ) Balance Sheet ( 12 ) Proper Service ( 13 ) Full Account Disclosure ( 14 ) Interest Rate Sheet ( 15 ) Sign authorized Charges Furthermore, please send a certified contract not a photocopy of the promissory note to validate that this account is mines and that you are able to report on my credit profile. Please validate that this is a true bill that owe to Navy Federal. A true bill according to XXXX XXXX XXXX is an agreement of a grand jury with a prosecuting attorney that an indictment needs to be made against the accused person. true bill is stamped on the document. Please also send a lawful contract signed by both parties which makes it binding between both parties. Stating that Navy Federal and I have given substance according yo the contract law of 1872. Also send all validation of debt and all paperwork linked to the alleged accounts with Navy Federal from the alleged creditor. Please certify in a sworn affidavit under the penalties of perjury and color able law that all states of rebuttal to this sworn affidavit are true and correct to the best of your ability with your signed signature. Please send me copy of this sworn affidavit via receipt of this affidavit Please respond in 10 days or this affidavit will then become binding according to contract law of 1872. Furthermore, I will have an opportunity to cue and place a judgment on Navy Federal Credit Union If you fail to respond in 10 days I am going to presume the debt isn't true in the first place or it has already been paid in full I am respectfully requesting that if you can not provide the following information above that you delete and remove these accounts from my credit profile immediately. This inaccurate and untrue information is ruining my credit worthiness to purchase a home and under the United States Constitution my pursuit to happiness. To deny the procedure to discharge public debt is fraud, conspiracy, racketeering, collusion, theft of public funds, dishonor to commerce and a discharge must be granted to me according to the UCC CODE 9-406. DISCHARGE OF ACCOUNT DEBTOR ; NOTIFICATION OF ASSIGNMENT ; IDENTIFICATION AND PROOF OF ASSIGNMENT ; RESTRICTIONS ON ASSIGNMENT OF ACCOUNTS, CHATTEL PAPER, PAYMENT INTANGIBLES, AND PROMISSORY NOTES INEFFECTIVE. Please respond back in writing with another sworn affidavit since that is the proper way yo rebut another affidavit under UCC Code Article 3. If you do not respond with the information requested I will have all grounds to sue for defamation of character under 15 USC Code 1681 s-2 ( b ) and 15 U.S. Code 168n- Civil liability for willful non compliance. I will seek monetary damages from Navy Federal under the United States UCC laws if these accounts are not immediately removed from my credit profile.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30228
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: XXXX XXXX there was a late payment implemented on my credit report. I contacted the institution multiple times on this matter with no resolution. The institution is Navy Federal Credit Union. In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC -1681 section 602 states I have a right to privacy. 15USC-1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC-1666b a creditor my not treat a payment on a cred-it card account under an open end consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92506
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I have been a customer of Navy Federal Credit Union since XXXX? in XXXX I purchased a 2nd home and needed to pay contractors to do repairs, so I took out a consolidated loan with Navy Federal during the end of the year I hadn't worked and called and asked the bank to extend my loan the bank gave me 3 months to repay and stated they would report the loan as current, again in XX/XX/XXXX another problem came up and I couldn't make payment I called in XXXX I informed bank that I was having problems paying the bank says they will put the payment to the next month and if it occurs again to call back XXXX and the bank would report the amount due as current. Navy federal did the opposite and reported me to the credit bureau which caused my credit to drop from XXXX to now XXXX. I called Navy Federal and spoke with a supervisor of credit assistance to ask why was I reported since I have stayed in constant contact and assured you that I will make up the payment and why did you report me to the credit bureau this time and this was not the procedure before, the supervisor stated 'this is one of my seasoned reps and it was done properly '' I explained to her this was not done before I have been in contact with the bank during this ordeal, nothing like this has happened before why now. Navy Federal doesn't care how they are reporting me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I noticed two charges on my Navy Federal credit card. {$7400.00} and {$9500.00} back on XX/XX/2023. The charge description is XXXX XXXX XXXX. I did some research and it's a loan agency. I've never had a loan with the company nor do I now. I did not swipe my card nor did I give permission to whoever used my information. I'm assuming it was done over the phone because the card never left my possession for someone to use in person.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Each of my payroll checks are being placed on five day holds. If it were one check that would be one thing, but for every check I deposit to suddenly be placed on 5 day holds feel discriminatory. I am the book keeper for the business my payroll checks come from. I checked our business checking account. Every check Ive deposited has cleared that account and been deducted from its funds, my credit institution on the other hand, has however refused to credit me what is owed and been approved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a Navy Federal Credit card today XX/XX/2023 and got denied, along with other applications I've applied for. Regardless of the reason for being denied, I have the right to credit. Withholding my access to my securities is security FRAUD. You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77578
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: To Consumer Financial Protection Bureau, I writing with a complaint on Navy Federal Credit Union, and to make you aware of a practice that should be looked into. I disputed a credit card charge with XXXX XXXX XXXX around XX/XX/XXXX XXXX Based on this open dispute Navy Federal put the following comment on my credit bureau reports twice : Account information disputed by consumer, meets FCRA requirements. This statement caused my XXXX credit score to drop XXXX points from XXXX to XXXX. Additionally, the XXXX and XXXX credit scores dropped between XXXX and XXXX points from XXXX to XXXX to XXXX. I disputed the charge on my credit card account because I didn't receive the services I paid for from the merchant, and its my right to dispute the charge. However, the statement Navy Federal put on my credit bureau file was punitive. I sent two messages to Navy Federal, however, Navy Federal was no help in resolving the situation it caused. Everyone I spoke or wrote to at Navy Federal said, that its the credit bureaus problem not theirs. However, I believe Navy Federal should understand how each statement they put on a members credit bureau file, will impact the members credit score. They should know if it will have a positive or negative impact and they should put a statement on the file that mirrors the situation. Additionally, they should listen to what its members are saying so that they understand what is happening. I contacted each Credit Bureau and they listened and looked at the situation, and knew that my scores should not have dropped. They removed the statement. My credit scores increased ; however, they did not increase by the amounts they decreased. Then once again Navy Federal put the statement on and my XXXX credit score is back to XXXX. Additionally, the XXXX and XXXX credit scores are XXXX to XXXX. I want my credit scored back to XXXX. Respectfully, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45241
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My credit union has been spooling me for 50 years could u check them out? I am in the process of switching to strictly savings to have better control!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IA
Zip: 508XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A