Debt or credit management -- Charged upfront or unexpected fees -- Complaint #14383457
Complaint Overview
Complaint ID: 14383457
Company: Navy Federal Credit Union
Product: Debt or credit management
Sub-Product: Debt settlement
Issue: Charged upfront or unexpected fees
State: Maryland
ZIP Code: 20817
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-07-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX ( Send a separate letter to each ) [ Address of Bureau ] Subject : Formal Dispute and Request for Permanent Deletion FCRA Violation RE : Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : [ Auto Loan Provider NAVY FCU, Dear All Three Credit Bureau, This letter serves as a formal dispute of the information being reported on my credit file under t he above-referenced account number. After a thorough review of my credit report, I have found multiple violations of the Fair Credit Reporting Act ( FCRA ) pertaining to this account, specifically : Inaccurate dispute comments are being reported such as : Consumer disputes after resolution Subscriber reports dispute resolved consumer disagrees This is demonstrably false, misleading, and damaging. I am not disputing this account and have not issued a new dispute. These comments must be removed immediately as they are not reflective of the actual status. The account is closed, paid in full, and reports a {$0.00} balance, yet the continued inclusion of outdated, irrelevant, or incorrect dispute language misrepresents the account status in violation of : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Information must be deleted if it is found to be inaccurate or can not be verified. 15 U.S.C. 1681e ( b ) : You are required to maintain procedures to ensure maximum possible accuracy. The reporting dates are inconsistent, and certain bureaus list materially different " Date Opened '' and " Last Reported '' fields. This discrepancy further raises concerns about the verifiability and completeness of this data under 15 U.S.C. 1681s-2 ( b ). Demand for Resolution : I demand the immediate deletion or full correction of this tradeline from my credit report across all reporting agencies. If this information can not be 100 % verified as accurate and complete, it must be permanently removed, in accordance with federal law. Should you fail to comply, I am fully prepared to escalate this matter through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal channels, including a civil action for willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o. Please complete your reinvestigation within the required 30-day timeframe and provide written confirmation of your findings. Sincerely, XXXX XXXX DOB : XXXXXX/XX/year> SSN ( last 4 ) : XXXX Email ( optional ) : XXXX XXXX
Frequently Asked Questions
What is Complaint #14383457 about?
Complaint #14383457 was filed against Navy Federal Credit Union regarding Debt or credit management specifically about Charged upfront or unexpected fees. It was received by the CFPB on 2025-06-30T12:00:00-05:00.
How did Navy Federal Credit Union respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 or credit management) 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.