Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5100507
Complaint Overview
Complaint ID: 5100507
Company: Navy Federal Credit Union
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Other personal consumer report
Issue: Incorrect information on your report
Sub-Issue: Information is incorrect
State: South Carolina
ZIP Code: 295XX
Date Received: 2022-01-11T12:00:00-05:00
Date Sent to Company: 2022-01-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Agent, At the beginning of the Pandemic, I had to buy materials for my home to stay healthy because allot of items were leaving the shelves, i.e., medicine, food, mask etc. I am a XXXX and needed to ensure I stayed as healthy as possible. I was already living from Paycheck to Paycheck because of XXXX XXXX and going back and forth to XXXX XXXX from XXXX XXXX often for my XXXX services. I had a lot more bills, but the XXXX services were a major task. XXXX XXXX XXXX contacted me and informed me they could help me pay off my bills and increase my credit. I agreed to their terms and paid them faithfully every month. I graduated the program XX/XX/2021, and they had the XXXX XXXX XXXX to negotiate an agreement with each lender that I had. My credit should have been repaired and no delinquency reported to the collection centers, or Credit Bureau, but that did not happen. Navy Federal agreed to the terms and is reporting that I have delinquent payments and a bad debt for the two accounts I had with them. I am attaching both settlement letters from the Navy Federal Credit department and the graduating letter from XXXX XXXX XXXX. Navy Federal is also still showing that I have a balance due for the paid off credit card account. Please help. Sincerely, XXXX XXXX XXXX The letter from XXXX XXXX XXXX CONGRATS YOU XXXX XXXX To : XXXX Tue, XX/XX/2021 at XXXX XXXX Congratulations, This letter is to inform you that you have successfully completed your program. We are excited and proud of your accomplishments and all the hard work you have put into building your future. We would like to remind you of the ongoing programs available to you and your family on your road to financial freedom. - The XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX provides members with access to a nationwide network of over XXXX plan attorneys who provide free and discounted legal services to you and your family. As a member, you are entitled to a referral with an attorney to handle your legal needs when the unexpected happens. - As well as, XXXX XXXX XXXX XXXX XXXX. With every credit report you, receive a consumer-friendly yet detailed analysis that breaks down your credit and identifies the top positive and negative factors affecting your credit. Additionally, XXXX XXXX gives you a detailed credit-boosting plan to maximize your credit. Make informed spending decisions based on objective, factual credit information. XXXX XXXX reveals conflicting information from Credit Bureaus to rectify situation immediately. In conclusion, if you have accumulated any other unsecured debt please let us know. So that we can assist you stay debt free and able to partake in the great interest rates available to you. If you have any further questions, please contact ( XXXX ) XXXX. As always, it is a pleasure to earn your business. Best Regards, XXXX XXXX XXXX XXXX Ph : XXXX Fax : XXXX Fair Debt Collection Practices Act and Federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX or after XXXX. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. Confidentiality Notice : This electronic mail transmission may contain confidential or privileged information. This electronic mail message is transmitted exclusively for the intended recipient. It is not intended for transmission to, or receipt or use by, any unintended or unauthorized persons. Any review, use, printing, copying, retention, disclosure or distribution not expressly authorized is strictly prohibited and may violate applicable laws If you have received this message in error, please ( 1 ) do not read it or any attachment, ( 2 ) immediately reply to the sender that you received the message in error, and ( 3 ) erase or destroy the message and any copies that may exist. XXXX XXXX XXXXXXXX XXXX
Frequently Asked Questions
What is Complaint #5100507 about?
Complaint #5100507 was filed against Navy Federal Credit Union regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-01-11T12:00:00-05:00.
How did Navy Federal Credit Union respond to this complaint?
The company responded with: "Closed with explanation". 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, credit repair services, 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.