Debt collection -- Attempts to collect debt not owed -- Complaint #17815067
Complaint Overview
Complaint ID: 17815067
Company: Navy Federal Credit Union
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Georgia
ZIP Code: 30132
Date Received: 2025-12-07T12:00:00-05:00
Date Sent to Company: 2025-12-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
NAVY FEDERAL CREDIT UNION Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/2025 Navy Federal Credit Union XXXX XXXX XXXX XXXX : XXXX Disputes, Attn : XXXX Disputes, XXXX, XXXX XXXX Re : Cease & Desist + Debt Validation Request Account : XXXX * * To Whom It May Concern : This letter serves as a formal notice under 15 U.S.C. 1692c ( c ) to cease all communication with me regarding the above-referenced account. This is also a dispute and request for full validation under 15 U.S.C. 1692g ( b ). I request the following : Proof of your authority to collect this debt. Complete itemized accounting of the alleged balance. A copy of the original signed contract or agreement. Chain of title/assignment documentation. Verification that all reporting is accurate and compliant. Until proper validation is provided, you must cease all collection activity, including reporting to any credit bureau. Failure to comply will result in formal complaints to the CFPB, FTC, and the Attorney General. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #17815067 about?
Complaint #17815067 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 2025-12-07T12:00:00-05:00.
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 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.