Date Received: 2018-06-26

Product: Auto debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: In XX/XX/XXXX, I took leave and went back to XXXX after completing XXXX school. While I was out there, I was introduced to a man named XXXX XXXX by my cousin ‘s boyfriend at the time. XXXX told me he would be able to help me build credit and get my credit score over 700 within a years time. He told me to apply for a credit card and an auto loan with Navy Federal.

I applied for both and in a couple weeks the credit card was mailed to my cousin ‘s address in XXXX XXXX. The vehicle loan had also been approved and was mailed to my cousins house. XXXX took the mail from their address, used the credit card to make various purchases in XXXX and XXXX and forged my signature on the check to from the vehicle loan to buy a used car for {$14000.00} which I later found out to be a XXXX XXXX XXXX. The last time I heard from XXXX was around XX/XX/XXXX when he told me to report the credit card as lost/stolen and make payments on the vehicle loan he had pulled out and claimed he would take care of it in a few months. I fully realized he was using me for his own personal benefit and would likely just disappear leaving me with the debt ( which he did ) So I filled out a report at XXXX XXXX and tried to clear the debt with the credit agencies. He also applied for a {$5000.00} personal loan from a company called XXXX XXXX which I later found out was done entirely online without any accounts linking the loan to him.

Ive been dealing with this issue since XX/XX/XXXX with no avail. Navy Federal insists that I am responsible for the debt because I filled out the applications and was scammed by someone Ive met, even though my signature was forged. XXXX is holding me responsible for the debt because I made the mistake of saying I would make payments to get them to get off the phone initially the online application was filled out while I was still in California. There are also hard inquiries that was not authorized by myself that are still on my credit.

See also  Credit Protection Association, L.P. - CFPB Complaint ID 2762973


State/Zip: TX 796XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2946757

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