Date Received: 2023-09-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) account # XXXX According to the Fair Credit Reporting Act 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My account was compromised and they closed my account I was a victim of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to formally request the correction of information within my credit report as well as the removal of inaccurate statements and hard inquiries. I am making this request in accordance with the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681a ( a ) Subsection I, 15 U.S.C. Chapter 41, Subchapter I, Part D, and 15 U.S. Code 1681s2. Firstly, I would like to address a statement on my credit report indicating that I owe on a credit card. To my knowledge, there is no valid outstanding debt on any credit card that should be reported. I kindly request that this inaccurate statement be promptly removed from my credit report. Furthermore, I am concerned about my credit utilization, which appears to be higher than desired. I understand that a healthy credit utilization rate is generally considered to be less than 5 % of available credit. To align with this standard and improve my credit profile, I respectfully request that my credit utilization be adjusted to reflect a lower percentage. In addition to these issues, I have noticed that there are several hard inquiries listed on my credit report. These inquiries were made by various creditors, and I have no recollection of authorizing or initiating any of these credit inquiries. I believe that these hard inquiries are inaccurate and should be removed from my credit report immediately. I wish to bring to your attention that, according to the FCRA, hard inquiries on a credit report should only occur with the explicit consent of the consumer. Given that I have not applied for credit or engaged in financial transactions that would warrant these inquiries, I am led to conclude that these entries are not accurate. In accordance with the FCRA, I request that your agency conducts a thorough investigation into the legitimacy of these hard inquiries. This may entail reaching out to the entities that made these inquiries to verify the authorization. I also kindly request that you provide me with a written explanation of your findings, including any actions taken to rectify these issues. The FCRA specifies a 30-day period for your agency to complete this investigation and respond to my request. If, within this timeframe, you are unable to verify the legitimacy of these inquiries, I request their immediate removal from my credit report, as mandated by federal law. Please be advised that, in the event these issues are not resolved satisfactorily, I am prepared to initiate the second process, which involves providing an invoice for all violations. Each violation could potentially result in a fine of up to {$1000.00} per violation, as allowed by law. I can provide all the inaccuracies and hard inquiries in question for your reference, if needed. I appreciate your prompt attention to this matter and your commitment to ensuring the accuracy and fairness of consumer credit reporting. Please do not hesitate to contact me at XXXX or XXXX if you require any further information or clarification. I anticipate a swift resolution of these issues and the removal of inaccurate information from my credit report. Thank you for your cooperation. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: NFCU restricted access to my online account after settling two accounts with them, however, I still had a checking and savings account. Also, from my understand they weren't supposed to restrict access after they were fined by the CFPB. NFCU actually had to pay back one of my settlements that I paid out to them. I did not receive a settlement on the other account that should've been refunded as well for the unfair debt collection practices as both accounts were settled around the same time. I was refunded
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: The vehicle has been paid in full. I have the title and the attachment is a supporting documents are proof that the vehicle was paid. And I need this removed from my credit report immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem when making payments
Subissue:
Consumer Complaint: Order of Events XX/XX/2023 : 1st Notice I endorsed the bill and sent along with a Letter of Instructions - Re : Claim of Credit, which was sent to the billing department located at : Navy Federal, XXXX XXXX XXXX, XXXX, VA XXXX. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) A copy of the endorsed bill was also sent to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Claim of Credit, a notarized Power of Attorney, and a copy of the Federal Reserve Act Sec. 16, Part 1 & 2. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 2nd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Opportunity to Cure, a copy of the Federal Reserve Act Sec. 16 and Sec. 29, and included a copy of the delivery confirmation from USPS of the 1st Notice. USPS Certified Tracking # XXXX ( delivered on XX/XX/2023 ) XX/XX/2023 : 3rd Notice I resent the copy of the endorsed bill to XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX, XXXX, VA XXXX, along with a Letter of Instructions - Re : Default of Notice, a copy of the Federal Reserve Act Sec. 29, and included a copy of the delivery confirmation from USPS of the 2nd Notice. USPS Registered Mail Tracking # XXXX ( delivered on XX/XX/2023 )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 87124
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I deposited my settlement into Navy federal credit union on XX/XX/XXXX navy federal took {$6000.00} on XX/XX/XXXX for a credit card debt from my wife 's and I joint account. this was from before our wedding and has been sitting empty with low funds for years but they decided to take the money out to pay a Delinquent account that was in collection for a credit card debt. The internet states that they can not take it for a credit card debt Under the protection act. When I called yesterday, they were very nice and said that they should read. Turn the money back cause. It shows that I deposited it with my settlement check. And that it shouldn't have happened out of the joint account today, XX/XX/XXXX the lady I spoke with was not helpful at all very rude and told me that have ever write to take my money for her account. Even though it's a joint account, but they also had the wrong address for my wife. So we never received any paperwork for the debt in the first place. And it's under her maiden name we could have set up payment prior if we had know. About the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have fraudulent credit cards opened in my name which needs to be removed from my credit file. I am still a student graduating soon and had no idea there were fraudulent credit cards opened in my name.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20886
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The Navy Federal Credit Union account continue to show it as a late payment. They have negatively reported this on my credit report recently after my request to remove false information. It has caused me stress. They continue to report account as negative/late even though It was charged off years ago. This appears to be a stall tactic which has hurt my ability to obtain credit. Also they have purposely listed account as past due each month as retaliation of my request. They are purposely hurting my credit with false information about being late every month. I demand under FCRA that the charged off account be removed. FCRA - you are required to " ... promptly DELETE all information which can not which is not accurate.The Law is very clear. Once they remove the information they can reach me at by mail at XXXX XXXX XXXX XXXX XXXX CA XXXX or XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Someone user my XXXX acct to send ( wire transfer ) funds to someone else in the amount of {$800.00} on XX/XX/XXXXXXXX XXXX XXXX XXXX Soon as I noticed it I immediately contacted XXXX hoping they could stop the transfer from processing and i contacted Navy Federal to place a STOP on the transactions seeing how it hadn't gone through yet. On my end everything read ( pending ) ONLY. XXXX quickly said there wasn't anything they could do and to notify by bank institute. So therefore I called Navy Federal. Navy Federal told they couldn't do anything til after the payments posted ( smh ). So after the weekend was over, of course the payments posted. I immediately called Navy Federal that following Monday and was told it was nothing they could do. Once a XXXX payment goes through its considered to be out of their hands, again ( smh ). They said they consider XXXX to be like a face to face transaction. I don't know why they consider it to be that when in fact that's not what it is. Using XXXX should be called exactly what it is, A wire money transfer. Not a face to face. Ppl can hack your accts, your phones, your computers, freeze and take all your assets and you mean to tell me that the very ppl we're suppose to trust to protect our money just allow it to happen?! THATS RIDICULOUS!!! I didn't authorize anyone to take {$800.00} and XXXX it to anyone. I've even used the person XXXX phone number to reach out & contact them. I have proof of our messages going back and fourth with me asking for my money back. Whomever received it of course wouldn't give it back and kept thanking me for blessing them, again ( smh ). Now my acct is overdrawn by {$800.00}, Navy Federal is constantly calling me to see when I'll be settling my debt and informing me that I have until XX/XX/2023 to pay the balanced owed. I will not be paying anything. I refuse to be out of {$1600.00}. THESE BANKS SHOULD BE ASHAMED OF THEIRSELVES. Why work with a company or represent a company that allows your clients money to be stolen or scanned and not haveva plan in place?! That's crazy to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A