Date Received: 2023-09-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been trying to get inaccurate accounts, inaccurate information i.e. addresses or job information, and hard inquiries removed from my credit report. There have been accounts opened and inquiries placed without my permission and/or verification and I have been trying to dispute them, but I have not been successful with my attempts. I have explained to them that it is fraud and I have sent many letters on my behalf. the credit companies continue to insist that these accounts are mine. They call and harass me all day long even on weekends. It is important to realize that fraud and scamming are at an all time high so it is important that you help people fight against it instead of dismissing them as an attempt to gain money at any cost. I set a fraud alert on my credit report and someone people have still been able to put inquiries on my account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27529
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: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have a new account that open Navy Credit Union. Checking and Saving They blocked my account because they refuse to change my phone number. I am not able to go to branch. I am doing XXXX and I have XXXX XXXX. I don't have mobile banking. This is High Priority Matter!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Hello there, last year I visited XXXX country and when I come back after couple months I find out true one website I did downloaded online there is two places from XXXX keep charging from my credit card so right away I called Navy Federal Credit Union bank and reported they credited some for short time then they told me on the phone and from E- message they need more proof of the claim and finally I decided to go back to XXXX to investigate by myself again when the charges happened I was not in XXXX I can show my passport and my card wasnt in my position, so they send me a new card then after when I get back from friends, I got police report from same city which was XXXX XXXX in XXXX I send it with copy of my passport even they told me to go to the bank I did I filed everything now they are telling me they cant except it I need my money back and before I find out I was paying even 2-3 times each month.. I need to know why they are not refunding the charges which is fraud This is one of the information about the subscription I found and its an other Hotel which it happened same day same night I send all the information to Navy Federal credit Union My Bank : Navy Federal Credit Union Last 4 Digits of Payment Method : XXXX Last Bill : XX/XX/XXXX Last Billed Amount : {$200.00} Name on Statement : XXXX XXXX XXXX XXXX Here are recent charges that add context to my request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here is my personal information which you can use to identify my account : First Name : XXXX Last Name : XXXX XXXX Phone Number : XXXX Date of Birth : XXXX Address : XXXX XXXX XXXX XXXX : XXXX My Email Addresses : XXXX I will dispute this charge if not handled. Thank You.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20121
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Navy Federal Account ending in XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 64 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 a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: I applied for this loan XXXX days ago. The loan representative was out of town, had system problems, did not return calls, was delayed in responding, did not make phone calls to me, I had to initiate all communications especially by phone. Finally, I began to call and spoke to other reps at the office I was told I did not qualify, based on my XXXX XXXX income. I spoke to a supervisor and told them that I did qualify based on my XXXX distributions. When the loan representative was again delayed in processing the loan, I asked for another representative and was told that she was the best, and that I could not have another representative assigned to my loan application. Eventually, after more delays, I asked for another representative. I have been asked for an inordinate amount of proof of my finances. I have been asked proof that I sold a house a year and a half ago, by providing an escrow statement. After I provided the escrow statement and the final mortgage statement which showed that the bank sent me a final statement showing a XXXX balance, I was asked to submit a signed document attesting that I sold a house a year and a half ago. When I was asked for XXXX months of bank statements, I provided them. I was asked to provide statements before they were available because the month had not ended. I provided the statements once they became available. I was asked to provide statements from transfers between accounts, at the financial institutions where I am applying for a mortgage. I explained that the reasons for the transfers were to show proof of funds when I my realtor and I made offers to buy a home, and that my realtor recommended I only show enough funds for proof of funds for each offer. I was asked to provide statements that show additional transfers between accounts which I had already provided. I was asked to provide proof where my transfers were from external sources. I provided a detailed account that showed the transfers, which I which I was asked to substantiate were not from outside sources into their institution. For that I received an angry and mocking voicemail from the rep. stating that they did not need me sending them that. I sent them an email stating the reason I provided detail was because they were asking for detailed external sources of funds, when there were none. The bank statements clearly show that I have more than enough funds for the down payment and closing costs and have shown that for almost XXXX months now. If funds are coming in from my other accounts, the transfers show that they are clearly in my name and not coming in with someone else 's name. Initially I was asked to provide XXXX months ' worth of information, now it is XXXX months ' worth of detailed information, from accounts which do not contain my down payment or closing costs. Additionally, I am now being asked for information from accounts which do not contain the down payment amounts, because there were transfers from them XXXX months ago. Every time I provide the information required ; I am asked to provide additional information. Sometimes with a deadline that I must reply within XXXX hours. At this point, I don't wish to provide additional information. Obviously, the accounts are in my name only and any transfers from my other accounts are in my name only. The funds have been available from the date that I applied for the mortgage. My credit rating is excellent, my down payment is 90 %, I am asking for a very small loan. I am XXXX. This is not the first time I have applied for a mortgage. This is the most extreme loan processing experience I have ever encountered. I feel discriminated against because of my XXXX sources of income, my age, my marital status, my gender and/or my ethnicity. Perhaps because I complained about the first representative assigned to my loan for not being available to communicate or process the loan. I have never experienced anything like this. If they don't want to make the loan, why didn't they just turn me down. Competing against buyers who have approval or at least quicker response to a loan application has made it more difficult to make offers. Dragging this on while I have an offer that is accepted is just more and more stressful each day. What are these people trying to prove? Or do they want me to discontinue my loan application, give up and just go away.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was a victim of identity theft I sent copies of my identity theft report to the bank they denied my claim even though I haven't had or been given access to a debit card since XX/XX/2023 someone ordered and used a debit card linked to my checking account without my knowledge or permission I called the bank as soon as I gained knowledge of this situation they also took the money from my account without providing me written notice of the outcome of the dispute and that they were removing the credit from my account the dispute was closed on XX/XX/2023 and they took the money from my account the same day which is a violation of 12 cfr 1005.11 also I requested information " written explanation " documents that the institution relied on while making its determination and was denied my request another violation of 12 cfr 1005.11 ( d ) ( 1 ) this banking institution has violated my rights and charged me for fraud that they can not prove I do not have a debit card with them and I refuse to pay for identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XX/XX/2023 my card was compromised, and I had a new one sent to me. I activated and had been using the new card. The old card was closed, but there was 2 payments that still was available to charge my card even when the card was supposed to be deactivated. So after I request for a dispute of the transaction, they came back saying that I have to pay the money back cause the dispute was not in my favor. Now how is that when the card was closed. Navy federal also said that if its a reoccurring bill that they will still let charge my old card, and I told them that that was fraud, and that I can handle my own business
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93726
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Please remove these following hard inquiries from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX See attached documentation
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Navy federal credit union, restricted my entire membership and restricted my checking my savings and my credit card that is a secured card without prior notice a month after opening the account due to info reported it to them by XXXX XXXX XXXX My rent is going to be due soon. I have other lenders that I have to pay Im a student I live alone in a different state by myself and I rent month-to-month.Im about to be homeless and on the streets thanks to this horrible financial institution with no heart
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I ordered an engine for {$1300.00} on XX/XX/2023 and from a company called XXXX XXXX XXXX order number ( XXXX ). The company had 14 days to ship the engine and exceeded that time frame. I never received the part and filed a dispute with my bank on XX/XX/2023. The company then said on the XXXX or XXXX they would process a full refund for {$1300.00} dollars in 3-5 business days. The funds were pending in my checking account for two days the XXXX and XXXX of XXXX and then the pending deposit disappeared from my account. Then the company said they would process the refund in three install payments for {$500.00}, {$500.00}, and {$350.00}. Thinking that the money was kicked back because the amount was too large. I still havent received a full refund. The company had an F on the XXXX website { XXXX XXXX XXXX } and I think they are trying to scam me and my financial institution Navy Federal Credit Union NFCU. I request immediate assistance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WY
Zip: 82001
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A