Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10059663
Complaint Overview
Complaint ID: 10059663
Company: Navy Federal Credit Union
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone
State: Texas
ZIP Code: XXXXX
Date Received: 2024-09-06T12:00:00-05:00
Date Sent to Company: 2024-09-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am in the middle of a mortgage and have very good credit. It was discovered the same Navy Federal Credit card account was being reported twice on my XXXX report. First account ending in XXXX is showing an {$18000.00} balance and not updated since XX/XX/year>, this is the same account as ending in XXXX. Navy federal changed the card number from XXXX to XXXX and updated XXXX. XXXX refuses to correct this issue. They are showing two separate account open and in the remarks that " Consumer disputes account information. I HAVE NEVER DISPUTED MY NAVY FEDERAL ACCOUNT INFORMATION. As is it a perfect account in good standing. XXXX Reps have out right lied to me all week. Tuesday he told me he was NOT opening a normal 30 day dispute but an internal dispute and the duplicated account ( XXXX ) would be removed in 72 hours. I call back and the next rep tells me on XXXX that it is being removed as we speak. Its XX/XX/year> and it is still not corrected. Another rep and supervisor with XXXX refused to correct the problem and now blamed Navy Federal. Please Please Help me get this corrected asap. My home loan is depending on it. I currently only have one account ending in XXXX.
Frequently Asked Questions
What is Complaint #10059663 about?
Complaint #10059663 was filed against Navy Federal Credit Union regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-09-06T12:00:00-05:00.
How did Navy Federal Credit Union respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Navy Federal Credit Union?
Yes, visit the Navy Federal Credit Union company profile at readthecomplaint.com/company/navy-federal-credit-union to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.