Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This credit card account account has multiple inaccuracies and missing information that do not align with all three bureaus. This closed account was paid in full as agreed with the amount paid to navy Federal totaling to over {$10000.00}. Attached is an image where I have highlighted every inaccuracy on my credit report. These inaccuracies include Date opened, High credit, Credit limit, Last report Date, Date last active, Date of last payments, as well as missing payment history or recorded payment history that does not match the other 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 direct violations of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately.
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
Date Received: 2023-09-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I assigned my credit card rewards points to the balance of my Navy Federal Credit Union ( NFCU ) Flagship Credit Card. NFCU ( without authorization ) moved those points/money to my savings account. I was not aware of the move and believed that money was going to the balance of my credit card. When it did not, I accrued a XXXX dollar late fee balance. When I spoke with a representative, I was told it was my fault for not checking my statement balance. From there, I asked my account be closed ~ XX/XX/23. I was supposed to receive a cashier 's check in the mail ( check sent out XX/XX/23 ). I spoke with a female agent around XXXX XX/XX/23 ( XXXX ) who said I should continue to wait for the check ( now missing x 19 days ). When I explained it is likely lost in the mail, she said she would have been notified by the USPS if it was truly lost. She then asked if I trust my mail carrier. I asked to speak with her supervisor, XXXX, who hung up on me without reissuing the check. From there, I sent a message/email to NFCU requesting the check for my closed saving account to be resent to my home address. I sent them a " Declaration of Loss '' form with the account number. I received a brief email response stating they would not accept the " Declaration of Loss '' form and would not reissue a check. I want my money from my closed saving account in the amount of {$2000.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-09-20
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: In accordance with the Fair Credit Reporting Act Navy Federal Account # ( closed account, account number unknown at this time ), has violated my rights. Privacy Act of 1974 and 15 USC 1681 Section 602 States " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, and XXXX are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under teh following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial instituion and teh Consumer reporting agencies XXXX and XXXX do not have my verbal/nonverbal consent to furnish this information and they definitely do not have my written/unwritten consent. And and all consent to XXXX and XXXX ( Furnisher of information to credit agencies ) whether it was verbal/nonverbal, written, implied or otherwise, is revoked. 15USC6802 ( b ) ( c ) states that " A financial institution may not disclose non public personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option, not only that, but 15USC1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15USC1681s2 states 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. 15USC1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Not only that, but this account was reported as a " charge off '' from the originator. 15USC1681 backs this that, Charge offs are considered income and income can NOT be reported on credit reports. 12CFR 1016.7 states that " a consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: XXXX XXXX stated first when I called them wherein I could not activate the cards that the person that purchased the gift cards had to come to the bank. The person went and they stated that the cards were not activated and they took money from the card routinely until a balance of XXXX was completed. the cards clearly stated that the expiration dates were XX/XX/XXXX and XX/XX/XXXX. I thought I had until them to use the cards.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: i tried opening an bank account with navy federal companies and they told me i had an account with them thats been closed or i owe them but ive never been assoicated with any of there branches or never opened an account with them ( Navy Federal Credit Union )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48204
Submitted Via: Web
Date Sent: 2023-09-20
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: In accordance with the Fair Credit Reporting Act XXXX Account Navy Federal -Acct # XXXX XXXX and XX/XX/XXXX,, XXXX XX/XX/XXXX, XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dept of Education ( This was deferred and I was on XXXX XXXX- XXXX has violated my rights. 15-USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on an account under an open-end consumer plan as late for any purpose. Thank You.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30127
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: Under the Fair Credit Reporting Act ( 15 USC 1681 ), it is essential to ensure that consumer reporting agencies act with fairness, impartiality, and respect for consumers ' privacy. XXXX and XXXX are such agencies, and as a consumer, you have the right to safeguard your private information, as reinforced by 15 USC 6801, which emphasizes the Congress 's policy for financial institutions to protect customer privacy and data security. Moreover, any financial institution, including " Furnisher of information to credit agencies, '' falls under this definition. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish your consumer report if you provide written instructions to do so. XXXX, XXXX, and the financial institution ( Furnisher of information to credit agencies ) do not possess your consent or written authorization to share this information. In addition, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing consumers of their right to prevent such disclosure. However, ( Furnisher of information to credit agencies ) did not inform you of this right. Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in your report without authorization, except for certain criminal convictions older than seven years. The account they are reporting without your permission violates this law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that no one should provide inaccurate information to consumer reporting agencies knowingly or with reasonable cause to believe it's inaccurate. XXXX and XXXX might be in violation here. Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies must maintain procedures to avoid violations of section 1681c and limit the distribution of consumer reports to authorized purposes, as specified in section 1681b. XXXX and XXXX 's procedures may not be in compliance. Finally, 12 CFR 1016.7 states that consumers have the right to opt out of reporting services at any time. Therefore, you are choosing to opt out of their reporting services.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I believe these hard inquiries may be the result of identity theft or a mistake on the part of the creditor. I have not applied for any new credit or loans recently, and I am concerned that my personal information may have been used without my consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I attempted to open an account with Navy Federal Credit Union online. My daughter is an XXXX XXXX XXXX and an account holder. My other daughter had opened an account online without any problem. I filled out all of the information requested, but received an email message that I needed to submit additional information before I could open an account. I was not told why this was the case, but Navy Federal gave a list of documents that I could submit. I selected to submit my Driver 's License and my vehicle registration. I submitted those a pdf documents from our office copier and my computer. I use these tools daily to submit pdf documents to governmental and private parties as part of my law practice, so I know there is no problem with our equipment. Navy Federal wrote back and said that the documents were too blurry and asked me to resubmit them. This time, I took photographs of the documents and sent them as jpeg files. Navy Federal wrote back and said that the documents were too blurry and asked me to resubmit them. This time, I made hard copies of the documents and mailed them to Navy Federal 's XXXX XXXX XXXX. Again, Navy Federal wrote back by email stating that the documents were too blurry. I have contacted Navy Federal by telephone with my last phone call being with " XXXX XXXX ( last name withheld ), supervisor in the " Resolutions Department ''. The only suggestion that XXXX gave me was to reapply and send the documents again. This was not a good faith opportunity because my sending the documents again would only result in another message stating that the documents were too blurry. I asked to speak to someone at Navy Federal and allow me to send my documents to them directly to confirm that they are not blurry. This was not permitted. I have no remedy in this case. Continuing to reapply and receive messages that the documents I am submitting are too blurry, when in fact they are not, will not result in a different outcome. I still do not understand, and it has never been shared with me why I needed to submit additional documents when my daughter was able to open an account online without trouble and without submitting additional documents. If Navy Federal is going to require the submission of additional documents Navy Federal should have the necessary equipment and personnel to review these documents accurately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37215
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, I received an email from XXXX XXXX that my Navy Federal Credit card was closed. I did not receive any notice about my account being closed and I paid {$120.00} on the XX/XX/XXXX for my credit card payment. I received a backdated letter on XX/XX/2023, but the letter was backdated for XX/XX/2023, that my APR would change to 18 % interest rate. The letter also stated that I needed to make 6 consecutive minimum payments on time for APR to go back to the original payment and if not, I would continue paying the 18 % interest if I don't pay on time. Also, I received a backdated letter for XX/XX/2023, stating the account had been closed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73099
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A