Consumer complaint received 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX AZ XXXX XXXX ( XXXX ) XXXXXXXX XXXX Re : XXXX FRAUD DISPUTES Identity Theft Resolution Professional XXXX EXT : XXXX XXXX XXXX XXXX XXXX, TX XXXX NFCU XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau po box 27170 Washington, DC 20038 I am writing to bring to your attention a matter of grave concern regarding the discriminatory practices I have experienced with Navy Federal Credit Union , as well as the subsequent inaccuracies in reporting on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am entitled to reasonable accommodations under the Americans with Disabilities Act ( ADA ) to ensure equal access to services provided by financial institutions. Despite multiple requests for accommodations, Navy Federal Credit Union has failed to provide me with the necessary assistance, thereby violating Title III of the ADA. 

Specifically, Navy Federal Credit Union has refused to allow me to make payments over the phone or in person at a branch, which are essential XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This refusal to accommodate my needs is not only discriminatory but also constitutes a violation of my civil rights under the ADA. Moreover, Navy Federals insistence on penalizing me for being unable to make payments through these inaccessible channels is further evidence of their discriminatory practices. 

In addition to the denial of accommodations, Navy Federal Credit Union has also inaccurately reported my account status on my credit report. Despite the extenuating circumstances surrounding my inability to make payments, Navy Federal has failed to update my credit file accordingly, resulting in severe financial harm and further discrimination. 

Furthermore, Navy Federals failure to acknowledge and address these violations has forced me to seek assistance from Adult Protective Services due to ongoing victimization online, XXXX XXXX XXXX XXXX XXXX XXXX. 

It is imperative that Navy Federal Credit Union rectifies these egregious violations immediately by : Allowing me to make payments over the phone or in person at a branch without penalty. 
Updating my credit report to accurately reflect the circumstances surrounding my inability to make payments. 
Providing compensation for the financial harm incurred as a result of their discriminatory practices and inaccurate reporting. 
Failure to take appropriate action to remedy these violations will leave me with no choice but to pursue legal action. I am prepared to seek remedies under Title III of the ADA, as well as any other applicable laws, to ensure that justice is served. 

I have also copied the Consumer Financial Protection Bureau for their attention to this matter. 

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution. 

XXXX XXXX [ Enclosures : Documentation of XXXX, previous communication with Navy Federal, relevant legal citations ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief