Debt collection -- Attempts to collect debt not owed -- Complaint #4671363
Complaint Overview
Complaint ID: 4671363
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: North Carolina
ZIP Code: 27534
Date Received: 2021-08-29T12:00:00-05:00
Date Sent to Company: 2021-08-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am filing a complaint against NAVY FCU because they are attempting to collect a debt that I do not owe them. Account Name : NAVY FCU, Account Number : XXXX, XXXX. I would like for NAVY FCU to show proof of verification that I owe them {$15000.00} with the account above. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a a letter stating that your investigation was complete. 1. What certified documents were reviewed to conclude your investigation? 2. Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA : Please answer the following questions : a. Who did you speak with? b. What was the date? c. How long was the conversation? d. What was their position? e. What number did you call? f. What is the name of your employee that spoke directly to the creditor? g. What is the position of your employee that spoke to the creditor?
Frequently Asked Questions
What is Complaint #4671363 about?
Complaint #4671363 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 2021-08-29T12:00:00-05:00.
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.