Debt collection -- Attempts to collect debt not owed -- Complaint #12088914
Complaint Overview
Complaint ID: 12088914
Company: Navy Federal Credit Union
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Illinois
ZIP Code: 60643
Date Received: 2025-02-14T12:00:00-05:00
Date Sent to Company: 2025-02-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Re : NAVY FEDERAL CREDIT - XXXX Date opened XX/XX/year> Balance : {$9000.00} I am writing to formally dispute the account referenced above, which has been reported as a charged-off account on my credit report. I believe this account was opened fraudulently, and I am requesting an immediate investigation into the matter. I have never authorized or initiated any transactions related to this account, and I believe my personal information was compromised. I kindly ask that you conduct a full investigation into this matter, and if you determine the account was indeed opened fraudulently, please take the following actions : Remove any negative marks related to this account from my credit report. Ensure that the account is marked as " fraudulent '' or " account closed due to fraud. '' Provide me with written confirmation that this account has been cleared.
Frequently Asked Questions
What is Complaint #12088914 about?
Complaint #12088914 was filed against Navy Federal Credit Union regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-02-14T12:00:00-05:00.
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 (Debt collection) 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.