Date Received: 2023-09-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! It has been a defamation of my character Company name : XXXX XXXX Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Experian consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Repossession
Subissue: Account reinstatement or redemption after repossession
Consumer Complaint: I Had A Used Car loan from a Predatory lender outside of XXXX XXXX California in 2001 and Refinanced it with Navy Federal. Right After i Bought the Car I was XXXX Back To Back To Back and The Patriot Act wasnt Created Yet. So Being XXXX I Naturally fell behind in Payments and My Car Was Repossessed. I Explained the Situation to Navy Federal and They Completely Shut me Down. I am XXXX XXXX XXXX XXXX XXXX with a Family. Who Served HONORABLY And Because of my IMMEDIATE Unexpected XXXX XXXX XXXX fell Behind.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Navy federal has been contacted due to unidentified account. Was asked to remove account immediately as it is detrimental to my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: The company repeatedly sent mailers and emails to me encouraging me to apply for a line of credit in order to maintain my membership with them. I applied for the XXXX Credit card on a promotion that offered no balance transfer fees, and a low introductory balance transfer rate for a specific period of time. The promotion also advertised a lower credit rate with 18 % being the maximum. I included a credit card number and the balance I wanted to transfer to take advantage of the promotion. The credit limit I was approve for was significantly less than the credit limit I desired for the balance transfer. I requested a reevaluation of my payment history and creditworthiness and to consider raising the credit limit they offered. I asked for the specific factors they used to make their decision. They shared they did not offer the " credit limit I was requesting for new lines of credit ''. I should have applied for another type of card. '' I asked them to show me where that was advertised in the terms and conditions of the card or disclosures statements. They shared it was not disclosed. I commented had I known up front that I wouldn't be given the option to transfer the balance I requested or receive a lower rate I wouldn't have applied for their product. I encouraged them to update the language in their terms and conditions to alert members to this factor when applying for a new line of credit with them for this particular card. Their response was we have reviewed your account and we will not raise the credit limit at this time you can make this request in 3 months. In good faith, I applied for this card based off the information they provide in their terms and conditions but the ultimate decision they made was based on a factor I was even aware of because it was not shared up front. This is false advertisement in my opinion.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I put a stop payment for progressive leasing and the funds still came out of my account for {$510.00} and I was charged {$20.00} for the stop payment fee. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDICXXXXinsured bank, per ownership.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I wired over $ XXXX from my checking account to another account at XXXX and entered the wrong information and now I'm having a hard time receiving the funds and closing out my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: NFCU XXXX XXXX XXXX XXXX XXXX - Discovered in XX/XX/XXXX during the gathering of financial documents and analysis for filing for divorce - NFCU initially advised me that I am an Authorized User ( AU ) ; Primary Acct Card Holder was aware then that I knew I was on the account as documented in divorce petition - I received a credit monitoring notification in XXXX and saw that this cc was on my credit report ; Lawyer tells me if an AU, it should not show up in my CR XXXX I call NFCU to remove me as AU, but NFCU rep confirms I was added as Co-applicant on XX/XX/XXXX. NFCU also confirm my card ending XXXX was never activated, therefore never used ; Primary Acct Card Holder confirms he added me without my consent ( documented evidence with NFCU and directly to me- furnish email correspondence ) XXXX Told the Primary Acct Card Holder to request to remove me and if denied i told him i was going to report Fraud XXXX Primary Acct Card Holder provided a snapshot photo of the request form to remove me, advised it would take 5-7 business days XXXX i called NFCU as i still saw the cc account on my app, they confirmed receiving the request form on XX/XX/XXXX, however Primary Acct Card Holder request was denied the same day on XX/XX/XXXX XXXX sent message to Primary Acct Card Holder giving him one week to be creative in removing me ( pay off and request again to remove me ), even recommended he apply for balance xfr or ask family/friends to help him then request removing me again. XXXX Primary Acct Card Holder indicates he submitted a 2nd request to remove me XXXX saw the cc account in my app still, sent Primary Acct Card Holder a reminder message that I was calling fraud XXXX. He advised that he called NFCU to speak w/ a supervisor about other options XXXX called NFCU to report fraud XXXX adding me as co-applicant without my consent ; NFCU rep indicates that Primary Acct Card Holder submitted the 2nd request on XX/XX/XXXX and denied on XX/XX/XXXX. Rep reviewed notes on Primary Acct Card Holder recent calls and admitted adding me without my consent ( twice documented on separate calls into NFCU ). Rep confirms that his request to remove me was based on pulling his credit report and his XXXX does not qualify him to be responsible for the debt alone ( $ XXXX ). Rep advised to move forward with fraud as my credit has been compromised. Fraud claim submitted XXXX and was advised that my side of the cc account had been closed and it was removed from my profile. XXXX I checked my NFCU app and saw that the Credit Card account was in my profile again. I called NFCU and they indicated that the investigation was complete and consent was verified and card remains open for use. However, if we are both indicating I was added without my consent, what exactly did NFCU verify? Also since its been over 7years, NFCU indicated they discard records ( phone and paper records ). Furthermore, in XXXX they confirm that the process to add a co-applicant was acceptable over the phone which they do not exercise that process today due the same issue I am going through now. As this Primary Acct Card Holder is my ex-husband, he had access to my information and must have had another female impersonate me or the NFCU rep over the phone taking the application did not follow protocol to verify who he/she was speaking to. This NFCU XXXX XXXX XXXX card is maxed out to $ XXXX and I do not want to be responsible for the debt. Primary Acct Card Holder admits adding me without my consent not only to me but to NFCU ( documented in account notes and email ). While he has attempted to remove me, NFCU denied his request as he can not support the debt based on credit reporting and income. NFCU can not provide any proof of this application ( or phone recording ) as it is >7 years, yet they have deemed the case as verified and valid and left the account open for active use to this day.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32003
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These inquiries have been corrected on all bureaus except XXXX. These inquiries are not mine. Please remove them. The inquires I do have with XXXX are from active accounts ; not these.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75060
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear CFPB, Navy Federal Credit Union is not adhering to the protection order for credit reporting under the statute below, SEC, 4021 Credit Protection During Covid-19. ( I contact NFCU customer service directly on a recorded phone. No delinquency can be reported to the following credit agencies until after my account 's XX/XX/XXXX due date. Credit reporting We're required by the Fair Credit Reporting Act to report all account information accurately to the consumer reporting agencies. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX SEC, 4021 Credit Protection During Covid-19. ( Please review the attachment - 120 days after the end of the Pandemic, all creditors must refrain from reporting delinquency or modifying terms up to 120 days after the end of the COVID-19 Pandemic. ) Please review the official start day of COVID-19 by the World Organization of Health XXXX XXXX XX/XX/XXXX ) Please check the official end day of COVID-19 by the CDC - ( the Covid-end date was XX/XX/XXXX ) For the Following : Accounts NAVY FEDERAL CR UNION XXXX # XXXX XXXX Loan Loan Department XXXX XXXX XXXXXXXX XXXX VA XXXX Contact date : XX/XX/XXXX XXXX Limite : {$500.00} NEVER /LATE : Before Covid-19 ( XX/XX/XXXX ) NAVY FEDERAL CR UNION XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Date : XX/XX/XXXX Credit Limit XXXX {$500.00} NEVER /LATE : Before Covid 19 ( XX/XX/XXXX )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This line of credit account has multiple inaccuracies and missing information that do not align with all three bureaus. Attached is an image where I have highlighted every inaccuracy on my credit report. These inaccuracies include account type, Date opened, payment status, last reported, date last active, and payment history. Not one of the late payment history payments are reported the same for any bureaus. It is clear that the proper procedures to ensure maximum accuracy were not followed and as a result my credit has been in shambles for years. These inaccuracies on my credit report are violation of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately or updated to 0 late payments for all bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A