Date Received: 2023-10-18
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: A dispute was made for verification of obligation, when all obligations are the responsibility of the United States Treasury and anything over {$1.00} shall be credited. XXXX USC 8 and 15 USC 1681 2 ( a ) ( 1 ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- IT IS NOT MY BELIEF THAT NAVY IS PURPOSELY ACTING WITH XXXX XXXX TO HARM I THE CONSUMER WHICH IS WHY I HOPE THIS MATTER CAN BE SOLVED QUICKLY AND SWIFTLY BECAUSE REGARDLESS, THE LAW IS THE LAW. AS THE ORIGINAL CREDITOR AND ORIGINAL CARD HOLDER AS CONGRESS DEFINED UNDER 15 USC 1691a ( e ) ( f ) I HAVE EXERCISED MY GRANTED RIGHT TO CREDIT AS DEFINED UNDER 15 USC 1602 WITH NAVY FEDERAL AND EXTENDED MY CREDIT WITH THE INSTITUTION TO EXTEND BACK TO ME FOR FAMILY AND HOUSEHOLD USE. THIS COMPLAINT WAS BROUGHT ABOUT WHEN NAVY FEDERAL COMMITTED ADVERSE ACTION AND DISCRIMINATION AGAINST ME IN DENYING ME A CREDIT LIMIT INCREASE AS DESCRIBED UNDER E.C.O.A. " prohibits creditors from discriminating against credit applicants ... .or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. NOTICE IT IS FACT I HAVE EXERCISED MY GRANTED RIGHT TO CREDIT AND HAVE BEEN UNLAWFULLY DISCRIMINATED FOR DOING SO. NOTICE IT IS FACT NAVY FEDERAL HAS ALSO COMMITTED ADVERSE ACTION AGAINST BY DENYING ME A CREDIT LIMIT INCREASE WHICH GOES AGAINST THE VERY DEFINITION OF ADVERSE ACTION UNDER 15 USC 1691 ( d ) WHICH STATES CLEARLY AND DIRECTLY " ( 6 ) ... .Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, ** or ** where such additional credit would exceed a previously established credit limit. ". NAVY FEDERAL ADVERSE ACTION GOES AGAINST THE VERY DEFINITION O F THE TERM AND IS DISCRIMINATION AND A VIOLATION UNDER TRUTH IN LENDING.. NOTICE IT IS FACT NAVY FEDERAL HAS FAILED IN ITS TRUTH IN LENDING REQUIREMENTS AND DID NOT DISCLOSE TO ME MY RIGHT TO DIRECT THE MANNER IN WHICH MY CONSUMER INFORMATION CAN BE REPORTED UNDER 15 USC 6802 AND DID NOT GIVE CONSPICUOUS CLARIFACTION TO ME THE CONSUMER OF SUCH RIGHT. REPORTING CONSUMER INFORMATION IS " VOLUNTARY '' IT IS NOT DEMANDED IN FEDERAL LAW. I THE ORIGINAL CREDITOR IN FACT WISH TO EXERCISE MY RIGHT WHICH WAS NOT DISCLOSED TO ME TO OPT OUT OF YOUR CONSUMER REPORTING INFORMATION AND GIVE YOU NO PERMISSIBLE PURPOSE TO DO SO. AND CONTINUATION OF SUCH ACT WILL RESULT IN A TITTLE 15 VIOLATION ASWELL AS A SEVERE VIOLATION UNDER TRUTH IN LENDING. -- -- -- -- -NOTICE IT IS ALSO A FACT I THE CONSUMER HAVE ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH NAVY FEDERAL WHERE THEY HAVE OBTAINED MY CREDIT CARD DEFINED UNDER 15 USC 1602 AND WHERE A FINANCE CHARGE SUM OF ALL CHARGES WAS CONDUCTED VIA A CREDIT APPLICATION ( ASSET/SECURITY ) WHICH BECAME THE NEGOTIABLE INTSTRUMENT AND TENDER OF PAYMENT FOR THE OBLIGATION WHERE NAVY FEDERAL OBTAINED MONEY AND CREDIT IN COMMERCE VIA FEDERAL RESERVE ACT SEC. 16 & 29 AND UCC3-104a AND YET IS REPORTING A DEBT ALLEGEDLY LAWFULLY OWED ON MY REPUTATION WHEN IN FACT SATISFACTION OF DEBT WAS GIVEN AT THE POINT OF APPLICATION UPON EXTENDING MY CREDIT. AND THE FINANCE CHARGE 15 USC 1605. TENDER OF PAYMENT HAS BEEN EXPRESSED VIA NEGOTIABLE INSTRUMENT TO NAVY FEDERAL TO CREDIT THE CREDIT CARD ACCOUNT AND HAS BEEN REFUSED AND RETURNED. UNDER UCC3-603 THE ALLEGED CREDIT CARD DEBT IS THERE FOR DISCHARGED AND YET IT STILL REMAINS ON MY REPUTATION ON CARD BALANCE. NAVY FEDERAL IS IN BREACH OF ITS TRUST AND FIDUCIARY DUTIES UNDER UCC AND THE FEDERAL RESERVE ACT. SEC. 29 TIER 3 VIOLATION.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone opened an account and the fraud in my company had money transferred to an account in my companies name however we do not own and are not associated with this account at the moment it looks like they were able to scam close to {$40000.00} from us and our customers. I have the bank name, account numbers, routing numbers
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92649
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have no knowledge of these accounts these hard inquiries are a result of identity theft. 15 U.S. Code 1681c2 - Block of information resulting from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32205
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard inquiry/ Hard Pull by Navy FCU on XX/XX/ that I did not authorized.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Navy Federal Credit Union is inaccurately reporting my consumer account. Navy Federal Credit Union did not loan me any money. Navy Federal Credit Union depositor bank received a cash advance for the finance charge of this consumer account and Navy Federal Credit Union is only the servicer of said loan. This consumer credit plan is opened ended and therefore it can not be late furthermore any credit balance on a consumer account that has a credit balance of more than {$1.00} it is due to the consumer. Navy Federal Credit Union is in violation of federal law. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Over the span of two months ( XXXX XXXX XXXX ) someone was using my credit card to make purchases through XXXX ( XXXXXXXX XXXX and XXXX ) without my knowledge or permission. Once my card got overdrawn and I was notified that someone was trying to make purchases toward my account I checked the mobile app and saw that I was indeed overdrawn even though I had stopped using the card altogether over a week before I was notified. I called navy federal and together with a clerk we went through my transaction history on my card and my XXXX history and anything that was on my credit card statement but not on my XXXX history was marked as fraud. The amount came out to {$2200.00}. After my initial fraud claim got denied I was told to get proof from XXXX such as the transaction history and send it to the bank so I did that and even though I sent my XXXX transaction history, I was told that wasnt good enough evidence for the appeal. I was then told to find other pieces of evidence and when I asked what else would suffice I was told that I would need something from XXXX stating the purchases were fraud. After talking with XXXX for a few weeks they acknowledged the fraudulent charges and said they would refund me ( they still havent after almost a month ) and I sent a screenshot of that to the bank after I still hadnt received my refund ( as I was told to do by another Navy Federal bank clerk ) but the investigator said that still wasnt enough. After asking again what I could get that would be seen as sufficient evidence I was told that there was not going to be another appeal chance and that I would have to deal with it directly with XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied online for a line of credit. Navy Federal Credit Union immediately denied an extension of my credit. This is XXXX violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit. '
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Banks Is Charging Me Junk Fee And Illegally Taking Money From My Account They Are Charging Me Fees For Debit Card Transactions Where The Funds Where Available
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently received a copy of all my credit reports from XXXX, XXXX or XXXX, andI also noticed that there are additional credit inquires for a company I do have accounts with Navy Federal FU I have 4 open accounts dated : XXXX, XXXX, XXXX XXXX, XXXX XXXX and XX/XX/XXXX this is only a total of 4 inquires that were made there is a total of 10 added inquiries I feel are duplets that were reported for one account twice on different dates the following dates I did not do the following inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( reported twice for same date ) XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023. As for these dates no accounts are open, all open accounts with company dates have inquires listed which are the four I only have knowledge of.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32305
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A