Debt collection -- Written notification about debt -- Complaint #18971277
Complaint Overview
Complaint ID: 18971277
Company: Navy Federal Credit Union
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Georgia
ZIP Code: 30040
Date Received: 2026-01-23T12:00:00-05:00
Date Sent to Company: 2026-01-23T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX is attempting to collect an alleged debt originating from Navy Federal Credit Union ( Account Ending in XXXX ). I am disputing this debt because XXXX has failed to provide sufficient verification that they own this account or are legally authorized to collect it. They have not provided a complete accounting of the debt, nor have they provided a " chain of title '' proving the debt was legally transferred from Navy Federal to XXXX. I question XXXX 's standing to sue or collect under O.C.G.A. 11-3-301, as they may be a debt collector without the proper rights to enforce the instrument. I have attached a formal " ACCOUNTING AND STANDING DEMAND '' which I sent to XXXX via email at XXXX on XX/XX/year>. The demand letter is also attached to this complaint. This letter demands : Proof of XXXX 's standing and " real party in interest '' status. A complete ledger of transactions and interest calculations. Documentation proving the debt was not sold, securitized, or charged off with insurance recoveries. I request that the CFPB facilitate the retrieval of this accounting and verification. If XXXX can not prove they own this debt or provide the accurate accounting requested, I ask that the collection efforts be ceased.
Frequently Asked Questions
What is Complaint #18971277 about?
Complaint #18971277 was filed against Navy Federal Credit Union regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2026-01-23T12:00:00-05:00.
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.