Date Received: 2023-10-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I sent letter of instruction to the appointed manager of my securities at Navy Federal on XXXX XXXX, who in return refused to act on their performance over the account. Due to this breach of contract the account suffers. This is the last resort for remedy before a federal claim is filed against this corporation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31405
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity have been compromised and used to open several fraudulent accounts without my knowledge or consent. these accounts have been placed on all three of my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Social Security is trying to give Money to XXXX and Navy federal and XXXX XXXX and XXXX for the policy scam
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXXXXXX XXXX XXXX is reporting inaccurate information on XXXX XXXX XXXX This status is damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here is the list of the erroneous account reporting on my Credit report. XXXX XXXX ( Original Creditor : XXXX NAVY FEDERAL CREDIT UNION ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96786
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I initiated an online ACH transfer from my account at [ Navy federal credit union ] to an XXXX XXXX Bank account. The purpose was purchase of a horse.for the price of XXXX $ However, it became apparent that the receiving account was fraudulent. I promptly reported the fraud to my bank, Navy federal credit union which conducted an investigation confirming the fraudulent nature of the transfer. Regrettably, XXXX XXXX Bank has denied my claim, leaving me with significant financial losses and distress. I am now demanding compensation for the full amount of the fraudulent transfer and Ive been asked by XXXX XXXX XXXX bank to appeal this decision through my Navy Federal which petition was denied and Im left alone
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2023 - total amount of XXXX dollars, it wasn't me who made those charges and they refuse to give me back my money. They want me to pay this crazy amount that i dont have for purchases i shouldn't owe.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78228
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2023 I emailed Navy Federal Credit Union requesting that they adjust my credit card interest rate to the 6 % cap that Louisiana statute RS 29:312 states. I included my XXXX XXXX military orders that show I am currently stationed in Louisiana but they denied my request.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/2023 {$250.00} XX/XX/2023 {$450.00} Called to report that I was scammed out of {$700.00} for tickets that were promised to be sold to me, they started a dispute but said it was not guaranteed a credit or my money back due to it being an approved payment from me to purchase goodies. I have yet to receive credit or any information on whats going on with my money.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32514
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN ACCORDANCE WITH FCRA THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USC 1666 B A CREDITOR CAN NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN & CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08330
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A