Harper's Heating & Plumbing

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because: Thank you for the response. First I would like to address the credit reporting. Per multiple recorded phone calls the counsellor has advised that there is no reporting to the credit agencies after the charge off is completed. I find this to be false due to the fact that each credit report has my payment history for each payment being made since beginning my repayment plan. I have been advised that the accounts only report when they have been paid in full, which is also false. Can you please address the misrepresentation from multiple counsellors in regards to the credit reporting? Also, I have no voicemails from 1/5/18 from anyone and more specifically from anyone with NFCU so the information that I was contacted and a voicemail was left is false. As recent as 1/16/18, I received notification that there were changes on my [redacted] and [redacted] report in regards to NFCU. Upon viewing the notification for the [redacted] account, 2 of the 3 debts have been reopened with the 3rd remaining closed. I am showing 3 different variations of reporting across the 3 major agencies. Below is info from the ** report for the 2 signa**re loans showing the account is open and the last payment date. Payment HistoryLast paymentJan 5, 2018Current Payment Sta**sIn Collections/Charge-offWorst Payment Sta**sNo InfoAccount DetailsAccount sta**sOpenTypeUnsecured LoanResponsibilityIndividualRemarksCharged off as bad debtTransferred to recoverTimes 30/60/90 days late0/0/0 Payment HistoryLast paymentJan 5, 2018Current Payment Sta**sIn Collections/Charge-offWorst Payment Sta**sNo InfoAccount DetailsAccount sta**sOpenTypeUnsecured LoanResponsibilityIndividualRemarksCharged off as bad debtTransferred to recoverTimes 30/60/90 days late0/0/0Secondly, I would like clarification as to why I am not eligible under the CFPB consent. More specifically the sections below. - Misrepresented credit consequences of falling behind on a loan-Illegally froze members’ access to their accounts I would also request that you review the recorded call between myself and "Mr. [redacted]" from approx. July 2016. It would be the first set of calls where I called to set up a payment plan. I called multiple times in the same day. First to set up a payment plan for $300 each check, then called back to try changing it to $200 but was advised that was not a large enough payment. I agreed to stretch to $250 and was advised that there was no way for the first 2 $300 payments to be changed because they were "already submitted" even though it would be approx. 2 weeks for the first one and 4 weeks for the 2nd one. I find this as being deceptive. The payments could have been changed.  Requests: Again, I request that my credit reporting be reviewed and adjusted to "No Info Reported" for each month after the charge offs and going forward.
Regards,
[redacted]

The following references the complaint we received 16 June 2016 from the Revdex.com on behalf of Navy Federal member [redacted]  The complaint was assigned an ID number of [redacted].   We have thoroughly researched [redacted]’s concern regarding his Platinum [redacted]...

account.  Our records indicate that on 21 September 2015, [redacted]’s billing cycle closed with a $132.00 minimum payment due by 18 October 2015.  The minimum payment was not received by the due date.  Our records reflect that the September 2015 statement and the attached payment request were sent to our member’s address of record via the U.S. Postal Service.   We attempted to contact [redacted] on 20 November 2015, and left a voice mail for him to call Navy Federal.  We contacted [redacted] again on 27 November, at which time he made the payment to bring his account current.   We report accurate data to all of the major reporting agencies, and cannot remove the late payment from [redacted]’s credit report.   Should [redacted] have further questions, he may contact Carrie M[redacted], Research and Documentation Liaison, at ###-###-####, extension 44926, between the hours of 8:00 a.m. and 4:30 p.m., Eastern time, Monday through Friday.

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 11 October 2016, submitted by our member, [redacted]
We have thoroughly researched the concerns presented in our member’s complaint. Through our review of this matter, we concluded that there was...

no loss of funds from Ms. [redacted] 4 October online check deposit. As we advised our member via our reply to her eMessage inquiry on 12 October, the funds from the online check deposit were available in her account on 5 October. We received and processed the paper check on 7 October. However, due to Ms. [redacted] entering an incorrect check number, our system automatically reversed and reapplied the online deposit with the correct check information. The $200.00 received on 5 October was unaffected.
If Ms. [redacted] has any questions, she may contact us at [redacted], 24 hours a day, 7 days a week.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because: I reject the determination from NFCU for the following reasons: 1) The "investigation" took less than one business day which means no investigating could have occurred of multiple businesses2) Several messages were not left, 1 message a week and three supervisor conversations later (documents can be provided)3) The spending pattern is definitely out of character for the history of the account as are the establishments 4) Several times I stated to the customer service representatives that I had an active police report case number for the theft5) My surname is hyphenated hence per social security I can use a combination or just [redacted] which is preferred
Regards,
[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because: The Navy Federal Credit Union has not provided the federal law reference that over rides Federal Law's: Title 38, Section 5301 a1, VETERANS BENEFITS and 31 CFR 212-6, RULES AND PROCEDURES TO PROTECT BENEFITS. The claim of a "federal law" the Navy Federal Credit Union made to my complaint is frivolous. Additionally, the [redacted] has documentation of this credit unions previous law violations of consumers. This shows their lack of attention to detail and shows their negligent behavior. I am seeking federal legal lawsuit against the Navy Federal Credit Union and I request to re-open this Revdex.com case [redacted].
Regards,
[redacted]Disabled VeteranCc: [redacted]
      [redacted]
      [redacted]
      [redacted]

The following references the complaint we received on 20 November 2017 from the Revdex.com on behalf of Navy Federal member [redacted].  The complaint was assigned an ID number of [redacted]   Navy Federal has thoroughly reviewed Mr. [redacted] concerns.  [redacted]...

Assistant Manager, Early Stage Collections, attempted to contact Mr. [redacted] on 22 November 2017 and left a voicemail message for him to return his call.  We apologize for the inconvenience Mr. [redacted] experienced.  Mr. [redacted]’s refinanced loan was approved on 22 November.  All late fees and interest accrued on his original loan from 28 September have been waived and we have sent a request to the four nationwide credit reporting agencies to remove the derogatory reporting for September 2017. Please note, it may take up to 30 days for the updates to reflect in our member’s credit file.   Should Mr. [redacted] have further questions, he may contact Mr. [redacted], between the hours of 8:00 a.m. and 4:30 p.m., Eastern time, weekdays.

This is in reference to follow-up complaint ID number [redacted], which was submitted by [redacted].
As indicated in our previous responses to the Revdex.com regarding this matter, Navy Federal has conducted a thorough investigation of [redacted]’s fraud claim. According to our records, [redacted] submitted applications for his [redacted] Signature cashRewards and Platinum [redacted] credit card accounts by telephone on 19 June 2013 and 8 July 2013, respectively. By his use of the credit cards which were issued to him, [redacted] agreed to the terms of Navy Federal’s Credit Card Agreement and Disclosure, which was provided to him when the accounts were established. A copy of the disclosure is attached. A copy of [redacted]’s consumer loan Promissory Note was mailed to the address provided on 2 June 2016.
Our investigation concluded that no error has occurred, and that [redacted] remains responsible for repayment of the balances of his Navy Federal accounts. No adjustment to the credit reporting for the accounts will be made.

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 1 January 2017, submitted by our member, [redacted]
We have thoroughly researched the concerns presented in our member’s complaint. On 20 December 2016 Ms. [redacted] deposited a check via our Scan...

& Mobile Deposits service. Proper procedure was followed in placing a hold on the release of funds. On the same date, our representative advised Ms. [redacted] of the hold placed on the item. The funds were made available on 4 January 2017.
Navy Federal strives to provide efficient, accurate, and responsive service to our members at all times and we regret that this is not consistent with Ms. [redacted]’ experience. We will use this experience to educate our staff and help ensure other members do not have similar experiences.
If Ms. [redacted] has any questions, she may contact [redacted] Security Operations Center, at [redacted] between the hours of 8:00 a.m. to 5:00 p.m., Eastern time, Monday through Friday.

Tell us why here...This is in reference to the follow-up complaint we received on 30 June 2015 from the Revdex.com on behalf of Navy Federal member [redacted] B. [redacted], II.  The complaint was originally assigned an ID number of [redacted]. As previously advised, Mr. [redacted]’ entire savings balance was transferred to his checking account on 5 May 2010; the transfer of $48.14 was made to pay an Automated Clearing House debit of $75.00 received from [redacted].  Beginning with his May 2010 statement, Mr. [redacted] was notified each month that his savings account did not reflect the required minimum balance of $5.00 and he was asked to remit that amount.  Copies of pertinent statements have been forwarded to our member. At this time, we have reopened his savings account; however, in the next 180 days, he must remit a $5.00 deposit to retain the account.  Since the balance of Mr. [redacted]’ personal expense loan, $572.68, was charged to our reserves, our membership suffered a loss in that amount.  Therefore, he may not be eligible for other accounts or services.   If he any questions, Mr. [redacted] may call B. Buser at ###-###-####, extension 48266, between 8:00 a.m. and 4:30 p.m., Eastern time, weekdays.

The following references the complaint we received on 13 May 2016 from the Revdex.com on behalf of Navy Federal member [redacted]. The complaint was assigned an ID number of [redacted].
Navy Federal has thoroughly reviewed our member’s concerns. [redacted] exceeded the limit of...

transfers that can be displayed online. Therefore, he may not be able to view all of his scheduled transfers until the prior transfers have been purged from the system.
Jackie M[redacted], Supervisor, Savings and Checking Operations, contacted [redacted] by telephone on 6 June. Our member was advised of the limitation in the number of viewable scheduled transfers online. In accordance with his request, his checking account ending in number [redacted] was closed and any transfers related to the account have been deleted.
We regret the inconvenience caused by this situation. Should [redacted] have any questions, he may call Felicia W[redacted], Business Systems Analyst, at ###-###-####, extension [redacted], between 9:00 a.m. and 5:30 p.m., Eastern time, weekdays.

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 21 November 2016, submitted by our member, [redacted].
We have thoroughly researched the concerns presented in Mr. [redacted]’ complaint. Through our investigation, it was determined that the Navy Federal...

Membership Savings and EveryDay Checking accounts and the Vehicle Loan account opened in his name on 24 and 25 March 2016, respectively, were a result of identity theft. On 28 November 2016, the accounts were closed. On the same date, Kevin T[redacted], Senior Investigator, contacted Mr. [redacted] regarding the fraudulent activity and provided him information on his identity theft claim.
We have sent a letter to the four major credit reporting agencies requesting that they remove the vehicle loan tradeline and inquiries related to the applications for Navy Federal products and services, from Mr. [redacted]’ credit report. Our experience has shown that it may take up to 30 days for such updated information to appear in a credit file.
If Mr. [redacted]’ has any questions, he may contact Jimmy R[redacted], Assistant Vice President, Financial Crimes and Risk, at ###-###-####, extension 70067, between the hours of 7:00 a.m. to 3:30 p.m., Central time, Monday through Friday.

The following is in response to the complaint we received on 24 July 2015 from the Revdex.com on behalf of [redacted].  The complaint was originally assigned an ID number of [redacted].There is no further action for Navy Federal to take at this time.  We consider this case to be closed.

The following references the complaint we received on 15 October 2016 from the Revdex.com on behalf of Navy Federal member [redacted]. The complaint was assigned an ID number of [redacted].
We are thoroughly researching Mr. [redacted]’s concern regarding his new vehicle loan account...

ending in [redacted] with our optional Guaranteed Asset Protection (GAP) coverage. We will reach out to the member promptly upon completion of our investigation.
Should Mr. [redacted] have any additional questions, he may contact Gina B[redacted], Supervisor, Loan Protection Programs, at ###-###-####, extension [redacted], between the hours of 8:00 a.m. and 4:30 p.m., Eastern time, Monday through Friday.

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 25 June 2015, submitted by our member, [redacted] M. [redacted].
We have researched the concerns presented in our member’s complaint. It was determined that loan ending in account number 701, which was...

cancelled on 26 September 2011, was still showing on Corporal [redacted]’s credit report. We have submitted an update to the four nationwide credit bureaus, [redacted], [redacted], [redacted] and [redacted], to remove all information related to the loan account. In addition, we have verified that our member’s loan ending in account number 702, the balance of which was charged to our reserves, is reflected only once on his credit report.
If Corporal [redacted] has any questions, he may call us toll-free at ###-###-[redacted] (#### ); our Member Service Representatives are available to assist him 24 hours a day, 7 days a week.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because:I called Navy Federal Credit Union and reported the card as lost back in June of 2016.  I received a new card a week later, tried to activate it and was told the account was frozen due to suspicious activity.  I was also told I needed to go to a Branch to reestablish my identity.  I live upstate NY where no Navy Credit Union exists.  I traveled on military duty in July of 2016 to Jacksonville FL.  At that time I found a Navy Branch and reestablish my identity.  My new card was finally activated and good to use.  Finally in September of 2016, I called Navy to make a Credit Card payment.  I was told I needed to find a Branch and reestablish my identity.    I'm confused as to why I need to reestablish my identity so much and why I can not make a payment to my credit card.  I recently telephoned Navy and made my credit card payment over the phone using my checking account.  However my account is currently frozen due to "suspicious activity"Regards,[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because: I HAVE in fact provided NUMEROUS documents to verify my identity.  I have also attempted to call the person listed in the first response to no avail.  I have quite literally called 10 times but only reach voicemail.  I have had NO PHONE CALLS, NO TEXTS, NO EMAILS from NF and I would like proof that they have attempted to reach me.  I am quite certain this is just what they are supposed to say so they can pass the buck.  I have tried to call and get information but of course not a single person can answer even the simplest question.  I am looking into the ramifications and legalities of issuing a check such as they did to then not pay it when it came through the banking system.  I am quite certain there are some legal issues at stake.  I am out my car, my credit and my emotional distress from this entire HORRIBLE ordeal with these yahoos!  I want my complaint posted publicly so others won't be scammed by these people.  What they are doing is criminal!
Regards,
Rob Smith

---------- Forwarded message ----------From: [redacted] <[redacted].com>Date: Tue, Feb 23, 2016 at 10:32 AMSubject: #[redacted]To: "[email protected]" <[email protected]>I am informing you that we contact Navy Federal Credit Union again about case #[redacted], informed we...

filed the complaint to Revdex.com. This time different customer represent answered and within minutes he sent us gift card $125 electronically. He promised the first represent, [redacted] the supervisor of redeem department, her action was not the protocol and make sure it's not happening again. We are not satisfied the supervisor's action, she should not be in that kind of position but for the this matter, case #[redacted] we consider it's closed.Thank you for all of your work and protection for both consumers and businesses. Warm regards. [redacted]

This is in reference to the follow-up complaint wereceived on 13 July 2015 from the Revdex.com on behalf of NavyFederal member [redacted] G. [redacted].  The complaint was originally assigned an IDnumber of [redacted]. We have reviewedour member’s concerns.  On 16 July 2015,Tyron E[redacted], Supervisor, Collateral Control, spoke with Mr. [redacted].  Mr. E[redacted] offered to send a CaliforniaDuplicate Title Application to our member along with a Power of Attorney; thelatter form will allow us to act on Mr. [redacted]’s behalf with the CaliforniaDepartment of Motor Vehicles (DMV).  Mr.[redacted] accepted this offer.  We haveforwarded the forms via [redacted] to his Williamston, Michigan address.  Once we receive the completed forms, we willact expeditiously to forward them to the California Department of MotorVehicles on our member’s behalf.  Should Mr. [redacted]wish to follow up with Mr. E[redacted], he may call ###-###-#### between 7:30 a.m.and 4:00 p.m., Eastern time, weekdays.

This is in reference to complaint ID number [redacted], which was received by Navy Federal on 1 December 2015, submitted by our member, [redacted].
We have thoroughly researched our member’s concerns. Peter K[redacted], Unit Supervisor, Collateral Control, spoke to Petty Officer [redacted] by telephone on...

16 December. Navy Federal received an electronic title for the vehicle on 10 November 2015 which accurately shows Navy Federal as lien holder. The Annual Percentage Rate for the loan remains at the original rate of 5.89%.
If Petty Officer [redacted] has any questions, he may contact Therisa A[redacted], Section Supervisor, Collateral Control, at ###-###-####, extension [redacted], between the hours of 8:00 a.m. and 4:30 p.m., Eastern time, Monday through Friday.

This is in reference to a complaint we received on 4 December 2017 from the Revdex.com on behalf of Navy Federal member [redacted]  The complaint was assigned an ID number of [redacted]   We have thoroughly reviewed our member’s concerns.  Our records show that on...

18 October 2017, Mr. [redacted] deposited a check through Navy Federal’s Mobile Banking feature.  Although Navy Federal placed a hold on the funds for two business days, the check was returned as altered on 23 October.  When a check is returned, the funds are debited from the member’s account and a returned deposit fee is assessed in accordance with the Mobile Deposit Terms and Conditions.  Mr. [redacted] authorized a transaction on his checking account on 20 October which overdrew his account as a result of the reversal of the returned check’s funds.  Navy Federal transferred funds from Mr. [redacted]’s Money Market Savings Account to correct the overdrawn balance in the checking account.  If there is a balance owed on an account, Navy Federal is permitted to transfer funds from other accounts owned by the member to correct the amount owed.    Should Mr. [redacted] have any questions, he may contact [redacted], Financial Crimes and Risk, at [redacted] between 7:00 a.m. and 4:00 p.m., Central time, Monday through Friday.