Debt collection -- Took or threatened to take negative or legal action -- Complaint #5399054
Complaint Overview
Complaint ID: 5399054
Company: Navy Federal Credit Union
Product: Debt collection
Sub-Product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Seized or attempted to seize your property
State: Maryland
ZIP Code: 20774
Date Received: 2022-04-02T12:00:00-05:00
Date Sent to Company: 2022-04-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I mailed Navy Federal Credit Union a debt validation and cease desist notice in XX/XX/XXXX for validation of the alleged auto debt. They received both notices via certified mail ( XX/XX/XXXX ) and had 30 days to respond with information to validate the date. Navy Federal Credit Union failed to send back the required information to validate the alleged debt which is a violation of 15 USC 1692g. Pursuant to 15 USC 1692g ( b ) Navy Federal Credit Union is in violation for not ceasing collection of the alleged debt or any disputed portion thereof until I the consumer received a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor. Navy Federal Credit Union proceeded to mail me a debt validation letter ( XX/XX/XXXX ) that was inconclusive and did not include the name of the original creditor. Navy Federal Credit Union proceeded to share my location information and send an unauthorized third party ( Final Notice XXXX XXXX and XXXX XXXX XXXX to private property to steal my property ( XX/XX/XXXX ) and that is a violation of 15 USC 1692c ( b ). Navy Federal Credit Union also mailed me a " NOTICE OF REPOSSESSION AND OUR PLAN TO SELL PROPERTY '' notice ( XX/XX/XXXX ) which is a violation of 15 USC 1692e. Navy Federal Credit Union is also not registered to do business in the state of Maryland.
Frequently Asked Questions
What is Complaint #5399054 about?
Complaint #5399054 was filed against Navy Federal Credit Union regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2022-04-02T12:00:00-05:00.
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.