Date Received: 2023-09-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I applied for a credit card at key bank and was discriminated.I was told my score was XXXX on XXXXI check my XXXX credit report my score was XXXXXXXX XXXX employee told me your score is not all that it's only XXXX downplaying my score as if it's bad.This happen at XXXXXXXX XXXX XXXXXXXX XXXX spoke to XXXX They lied and said I have auto loan which is paid for.I told them not to open account if you not going to give me high limit.My credit score went down because of this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 984XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2023 XXXX notified me of suspecious activity on my credit report. An unauthorized person applied for credit in my name without my knowledge. Because I am a victim of identity theft and fraud a fraud alert was placed on my credit report for 5 years. It is still active!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My account has been compromised and my money is not accounted for. Inaccuracy on my account with a balance of {$0.00} I don't have my account number but I have my social security number XXXX My date of birth is XX/XX/1996 Ga state Id number is XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX NAVY FEDERAL CR UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: Due to Covid 19 financial hardships have not been able to pay credit card bills
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07410
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Fradulent charges on the account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80922
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There were two Navy Federal credit cards reported on my credit. I reached out to Navy Federal and advised they were open as a result of identity theft. An ex-boyfriend had access to my account and personal information and opened the credit cards in my name. I advised this to Navy Federal Credit Union but they didn't remove the account, they said they were not fraud. Even though I was not the person who opened the accounts I still felt obligated to pay off the account because they used my information and I wanted to maintain a good relationship with Navy Federal Credit Union. I paid all of the balances in full, I did not settle. I paid all of the credit cards in full but they are still being reported on my XXXX report as a CO, and is the only account on my credit report that's negative. This needs to be corrected. This item being negatively reported to my XXXX report is preventing me from getting approved for other accounts and or credit cards. I currently have a great relationship with Navu Federal Credit Union and I want to maintain that great relationship.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hello my name is XXXX XXXX. On XX/XX/2023 I called my financial institution Navy Federal Credit Union. The reason for this call is because I had called the Financial institution 2 times previously in regards to a check I had deposited being out on hold. A supervisor and a regular support staff both had told me my funds would be available today on XX/XX/2023. However when opening my bank app I noticed the money still has not cleared my account. I decided to make a call to Navy Federal again on XX/XX/2023. It was then when I was met with the upmost rude customer service I have ever received from a financial institution. The representative was back talking and talking with a very rude attitude in her voice. She had told me that I WAS LIED TO and that the funds now would not clear until tonight at midnight. Making the hold of my funds 6 days. 1 day beyond what federal law allows. The bank then justifies that since it is processed at midnight the funds are technically made available on the XXXX day even though midnight would make it the XXXX day. I then asked to speak to a supervisor, I was put on a very long hold. After this long hold a supervisor named XXXX had come into the line. She sounded very nice at first however when I made a complaint she instantly retaliated and went on defense mode with a rude mannered attitude like the previous representative and did absolutely nothing to help. Navy federal credit union has been purposely holding all of its account holders funds for long periods of time and not giving and written communication about funds being held within the whole duration of the 6 days holding your funds when federal law requires written notice witching XXXX business days. Navy federal deliberately hold funds from account holders for long periods of time with no written explanation costing accounts thousands per year in late fees and additional interest due to not having access to their funds.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I submitted a check through edeposit. Twice. BOTH submissions had the endorsement VERY CLEARLY WRITTEN. These imbeciles denied the deposit BOTH TIMES due to the endorsement being missing even though it was not.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 489XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I believe that my information is being misused and reported as inaccurate and I am filing this complaint to XXXXXXXX XXXX XXXX XXXXXXXX. In my credit report from XX/XX/, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A