Consumer complaint received 2022-07-24
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
For the past 4 months Navy Federal has let me repeatedly apply for loans while hiding the fact that they knew there were 2 fraudulent marks on my credit file, as well as hiding that fact while still voluntarily giving me the opportunity to apply for as many loans as I wanted. I confirmed to them after i applied for a XXXX $ personal loan. Navy Federal strained away from explaining their debt collection even after the 5th denial and explained to them that they read information from a false report due to XXXX breach They blatantly also froze me out of my business account. I haven't been able to get a response from me informing them about the XXXX that was fraudulent around this time last year. I'm getting evicted, don't have transportation to get to the doctors since XXXX and illustrated to them records for proof for a compromised immune system. I was on hold for a hour and 30 min after informing them that they based their denial for atleast XXXX loans on fraudulent reports from the credit bureaus. Notice to principal and principal to notice. Without the recent XXXX breach I would have continued to put applications in, lack of the representative knowing that they also were known to be a credit repair agency. Upon taking courses in Information analysis and fraud investigation I decided to look this matter, in depth to see why I have all this resistance. With all 12 loans Ive applied for, under confusion, and the withholding of letting me know that there were 2 fraudulent marks on my report one for 7 years and one for 1 year that they disclosed amongst themselves. I brought this to attention. Upon gaining vital knowledge I learned that Credit reports pertain to the XXXX XXXX XXXX, I'M XXXX : XXXX will be putting every company that has my information from the birth hospital in XXXX to the secretary of State of New York about the downfall and the conspiracy to defraud me... 

The 12 loans I applied I'm still waiting for Navy Federal to Prove the debt belonged to me this proceeding will be addressed in front of an administer and XXXX will de addressed for claimaint. Let XXXX be the representation of the first company going on notice that XXXX and credit reports have made me realize that this isn't even real. I've lost my business due to Navy Federal not realizing that they are a credit reporting company, that tried to completely keep me from my estate, as well as going agaisnt, their fiduciary duty to help military members and their ( Dependents ). My mother has been here since 1998. Navy Federal has triumph my reputation. Ive lost my business, as well as stopped going to school for health administration due to all the fraudulent claims from consumer protection. I ask if they can not provide ( Real ) proof than I request the privilege to take in my possession The XXXX XXXX that's been added to my insurance since the first loan application out of 5 applications for the same product as well as the funds for denial of the mortage loan. Contracts are not a debt proof it only points to depth, points to the underlying scams going on with my name. As well as grantment for the mortage and the car loan I would ask Navy Federal to process my XXXX lien-security. I dont lie I love to help people since I been in the XXXX field, upon sitting home Ive managed to open up 2 more different savings accounts from Navy Federal to increase my relationship with them as well as maxing my credit card by adding XXXX $ to my credit report as well as close a XXXX promissory loan with no late payments on my credit card, no late payments on any account. So fraudulent it seems or are they connected to the members trading my information on the U.S. treasury as well on fidelity. I thank you Navy Federal for revealing to me what entities do behind closed doors, fortunately I still wan na help people as well as keep the economy successful but how when its own bank entities are trying to defraud me, there is no Trust here and accounts should be closed after the following monetized payments be made, according to law. Actual damages XXXX my eidl loan was estimated to be this amount but due to the constant lies and hardships due to the fidicuaries duty. Notice to principal principal to notice. 1st Entity. I will forward this to all secretary and U.S. secretary 's of the state so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation