Date Received: 2023-10-25
Issue: Getting a line of credit
Subissue:
Consumer Complaint: NO ACTIONS TAKEN REACHED OUT A FEW TIMES TO CFO XXXX XXXX, AND CEO XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89156
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2023 there was 12 unauthorized transfers in to my account, 5 un authorized transfers out of my account. I called NFCU ( Navy Federal Credit Union ) once there was an alert sent to my phone XXXX XXXX XX/XX/2023 to notify me of the activity I called NFCU to notify them that I did not authorize or approve of the transactions done to my account, my accounts were hacked and I my account and debit card was accessed. There was a 9 day investigation, no credit issued, the funds were overdraft to my account after the 9th day.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21237
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Navy federal credit union has permanently closed my checking account and they are keeping my money for and {$46.00} saying that there was fraudulent use on my account which they did not not even notified me of. I had to go in the bank and find out, and they are saying it was a problem with a XXXX payment, which was not fraud, and went through just fine and funds are received and so now the bank account is flagged and permanently closed and the bank is going to keep my remaining balance of {$440.00} without a reason of why
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33710
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Lost or stolen money order
Subissue:
Consumer Complaint: I/Me/Myself/Us/We/Ourselves, XXXX XXXX XXXX, the undersigned affiant, a living XXXX declare that I am of majority and competent to state the matters set herein with first-hand knowledge of the facts and that they are true, correct, not misleading, and certain, admissible as evidence. The following corporations have knowingly participated in false and misleading practices and are not willing to rectify this matter. I was knowingly and falsy misled by not being given full disclosure of my rights as a consumer. I have started the administrative process by following all rules and regulations set forth by Congress. I have sent out Affidavit notices to this corporation making them aware of the violations pursuant to 15 USC 1602, 12 CFR 1002.2, 12 CFR 1026.13 ( a ), 12 CFRb1026.17, 15 USC 44, Regulation B 12 CFR Subpart B, and 15 US CODE 1692 ( c ). I have spoken to them via phone and email as well as certified mail and they have yet to even acknowledge my attempts nor credit my account. I sent the first notice and remittance transfer on XX/XX/2023 another on XX/XX/2023 and the last one was sent on XX/XX/2023. I will attach all the documents that were sent to this corporation below upon request as I have already sent them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20716
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX {$25000.00} This debt is not my debt. Title 18 section 8 of the United States. The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently reviewed my XXXX credit report and found unauthorized inquiries. I am submitting this report and will be sending the dispute below to the XXXX XXXX XXXX Assistance Department. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : NAVY FCU 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
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32905
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/XXXX XXXX {$20000.00} The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps. ( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29456
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I booked an XXXX XXXX XXXX while speaking with a rep from XXXX. I was getting a error message while trying to book thru XXXX for the XXXX. The rep told me to book it & screenshot the error. I didnt get a error this time. Told them rep. Tried canceling. The host wouldnt give me my money back. Transaction was about XXXX. Kept going back & forth with with reps. Got a sup. Told me to cancel where I got the cleaning fee back which was XXXX & then the sup added and additional {$100.00}. So I was still left to pay over {$700.00}. I DID NOT STAY here! I stayed at XXXX XXXX! Contacted XXXX. Sent them all my information. XXXX still wouldnt refund them. I called XXXX XXXX XX/XX/XXXX XXXX several days after that! I was told to make the first transaction & I can dispute & theyll credit me back & also stop the transaction!! Well they did a temp credit of {$210.00} weeks ago. I get a email today saying that the charges are valid & they will be taking the {$210.00} back on XXXX XXXX. Spoke with a sup today XX/XX/23. Hes saying they asking for more information terms and agreement when I literally sent them over everything!!! This was something that happened while working with a rep! How am I at fault? Atp if I wouldve known Navy wouldnt have my back & supposed to be the best credit union in the world I wouldve never paid it at all! Its not fair when I didnt stay somewhere! No one wants to help! But if it was one of their family members they would understand. Ive been with them for years and NEVER had to dispute anything!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 309XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've been trying to re-establish my personal credit profile account by means of clearing of all the listed unauthorized charge offs on the account. The Debt that is under my name and credit profile is not my debt, as has sold and sent to a ( n ) debt collections company, therefor is automatically considered fraud As I'm the Original Creditor, there shall not be any means or reasons for me personally to have to pay back a balance that is already owed to me, according to Title 15 USC 1666d ( a ) ( b ) ( c ) - Treatment of Credit Balances. I have already attempted to remove the charged-off accounts on my profile before, through the CFPB, however there has been nothing done on the other end to remove these closed accounts from my credit profile so that I can then extend my credit as a consumer and creditor. Any attempted action or act to hold me up from my rights to exercise credit is unlawful, unjust and unfair. It is also brought to my attention while checking my personal credit profile that there are allegedly " late payments, '' however, late payments are illegal and also shall not affect the creditor/consumer for any means or by any means necessary, according to Title 15 USC 6802 - Obligations with respect to Disclosure of Personal Information, stating that a financial institution may not disclose nonpublic personal information to any nonaffiliated third party. In this case, the listed banking institute ( Navy Federal Credit Union ) has already sold the debt ( that originally is not owed by me in the first place, as I'm the Creditor ) to a third party debt collections institution, really making it illegal for me to have any obligation to this, and additionally I should not still be seeing these charge off accounts on my credit profile with late payments posted next to it. I should not have any, of this showing on my public records, that is, on my public profile. Therefore, I request that this all gets cleared by means of removal from my credit profile.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
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 15USC 1681 sec 602 states I have the right to privacy. 15USC 1681 sec 604a sec 2 states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC 1666b a creditor may not treat a payment on a credit 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: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A