Debt collection -- Attempts to collect debt not owed -- Complaint #18549774
Complaint Overview
Complaint ID: 18549774
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: Florida
ZIP Code: 32218
Date Received: 2026-01-07T12:00:00-05:00
Date Sent to Company: 2026-01-07T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : NAVY FCU XXXX. XXXX XXXX XXXX, VA XXXX XXXX Subject : Formal Dispute and Cease Communication Notice Pursuant to FDCPA 1692c ( c ) Dear XXXX XXXX XXXX XXXX I am writing in response to your recent communication regarding an alleged debt you claim I owe. Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby request that you cease all communication with me regarding this matter, except as permitted by law. Additionally, under 15 U.S.C. 1692g ( b ), I am disputing the validity of this alleged debt in its entirety. I am requesting verification of the debt, including but not limited to : XXXX. The name and address of the original creditor ; XXXX. A detailed statement of the amount allegedly owed, including principal, interest, and fees ; XXXX. Proof of assignment or transfer of the debt from the original creditor to your agency ; and XXXX. A copy of any signed contract or agreement bearing my signature that created the alleged obligation. Please note that until you provide proper validation of the alleged debt, you must cease all collection activity, including reporting or verifying this debt to any credit reporting agencies. If you are unable to provide the requested documentation, or if the debt can not be verified, you are required to delete any reference to it from my credit reports and confirm in writing that you have closed your file on this account. I also request that you do not contact me by phone, and that all future communication ( if legally necessary ) be sent only in writing to my mailing address listed above. Thank you for your attention to this matter. I expect your full compliance with the FDCPA and other applicable consumer protection laws. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #18549774 about?
Complaint #18549774 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 2026-01-07T12:00:00-05:00.
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.