Date Received: 2023-09-05
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I applied for a loan with a car dealership. They suggested that I go to Navy Federal Credit Union so that I don't have to put any money down. Everything checks out for an approval. When I went to the credit union today, XX/XX/2023, the credit union said that they would have an answer in 24 hours. One hour later I was denied. It was not because of anything I have on my credit report, or my income, it was completely because of prejudice reasons. I am a XXXX woman asking for a {$86000.00}. I was discriminated against and treated unfairly solely because of who I am. The dealership believed that I should have gotten the loan because everything checked out.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92663
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Contacted XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, for reporting and manipulating of my report for inaccurate information continue to update reports as charge with a balance name variation, credit inquires from unknown sources, renewed debts and refusal to remove inaccuracies. Connecting accounts to addresses that dont and have never belonged to me. Refusal to provide the information requested for the requested information for proper investigation. Changing my score without provide information that justifies the continual change in my score by over XXXX points, continuing to mark a charge acvount with a monthly late payment history since XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: n accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNAVY FEDERAL CREDIT UNION ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVY FCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 SECTION 602 A. states i have a right to privacy. 15 U.S.C 1681 SECTION 604 A. SECTION 2 : it also states a consumer reporting agency can not furnish a account without my written instruction. 15 U.S.C 1681C. ( a ) ( 5 ) Section states : 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 15 U.S.C 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOW OR HAS REASONABLE CAUSE TO BELEIVE THAT THE INFORMATION IS ACCURATE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: I think someone withdraw money from my account in it's hard to find out who was I really talked to Navy Federal about my account they said there's nothing wrong but if I go deeper I see there's a transactions of {$1000.00} {$500.00} and I'm missing money also I was going to get some money from XXXX and never receive it on my account I'll talk to the customer service they could get fixed they never reverse me the money and also Navy Federal never close my account and check the transactions also they're charging me I opened a credit card account and put {$500.00} on hold in case I don't pay the card when I couldn't pay the card they took the {$500.00} and they're charging me {$20.00} every month and I call customer service and they told me they're going to be charging me every month {$20.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91950
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Navy federal keep charging me NSF Fees Which is putting me in more financial debt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Account was suspended when I found out fraudulent checks were deposited and removed from the account after I had lost my wallet
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: Twice, last month - NFCU employees went out of their way to racially profile customers, then deny them ( me ) service. On XX/XX/XXXX, their employees simply refused to open their bank doors at XXXX. 3x, a manager came to the door to tell us they werent opening, because they were scared of the XXXX women & other customers yelling about waiting, outside. We had to call the police to force bank employees to open the door. A different manager later lied and said that the police had told them to lock the doors. That wasnt true - when police arrived- they had no idea why bank employees refused to open up. I made a point of also speaking with the person who locked us out, she likewise lied and denied locking the doors in our faces, except we filmed it. There was no excuse for such random, rude behavior, at all. Then - XX/XX/XXXX, I went in person to the XXXX Branch where the receptionist/manager demanded my ID, accessed my accounts, asked me why I was there, tried to dissuade me from accessing the service of speaking with a loan officer, and instead directed me to a man I suspect was security, because he couldnt or wouldnt intelligently answer one, single question of mine. He mumbled something about how he didnt know what I was talking about, and I needed to make an appointment to come back at a later date to speak to someone else. I told him that I had taken 2 buses to get there, and wanted to speak to someone that day. He refused to route me to a more appropriate person, provide rates, or even offer a brochure to explain mortgage types and other, pertinent information. His attitude and behavior were evasive and atrocious. In frustration, I asked if I could apply online- which he confirmed. Unfortunately, after applying at home- my application was rejected and denied for no reason.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Navy Federal has restricted my account. I need my account to be unrestricted. there was no fraud on my account. I have never consented to Navy Federal reaching out on my behalf to recover funds from any individual or business from the opening of my account to the date of the restriction. Thank you please reverse whatever withdrawals were done to other people 's accounts and credited to mine I did not consent to any of this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08859
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, ACCOUNT NAME, ACCOUNT NUMBER has violated my rights. ACCOUNT NAME : NAVY FEDERAL CREDIT UNION ACCOUNT NUMBER:XXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBER:XXXX ACCOUNT NUMBERXXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX FEDERAL CREDIT UNION ACCOUNT NUMBER : XXXX ACCOUNT NUMBER:XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER:XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 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: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My account has been restricted, I am not able to use my account, I cant touch the money I have in there because some information from XXXX XXXX XXXX was sent to navy federal and I need u guys to clear this problem as soon as possible
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A