Debt collection -- False statements or representation -- Complaint #5653911
Complaint Overview
Complaint ID: 5653911
Company: Navy Federal Credit Union
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: California
ZIP Code: 92411
Date Received: 2022-06-09T12:00:00-05:00
Date Sent to Company: 2022-06-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Without my written consent, Navy Federal has been furnishing negative information to my consumer report as means of coercing me to pay an alleged debt of {$7600.00} and further extort me and cause harm to my credit reputation. Navy Federal has been furnishing nonpublic personal information to my consumer report/file and is in direct violation of 15 USC 6801. Furnishing late payments without my consent is a direct violation of 15 USC 1681-S2. Pursuant 15 USC 1681b ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. It is a fact ; I have never given Navy Federal any written instructions to furnish any information to my consumer report. Navy Federal has violated 15 USC 1666 and closed my credit card account without validating or verifying any of the alleged missed or late payments ; which are in fact billing errors. Navy Federal has failed to clarify or correct these billing errors. Navy Federal has violated 18 U.S. Code 894, which states : ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. It is a fact ; Navy Federal has chosen to punish me for nonrepayment of this extension of credit by closing my account. Navy Federal is not in compliance with 15 USC 1692e. Navy Federal has been sending me false and misleading bills/statements in a positive amount knowing that a person can not make a payment on a positive balance. The alleged amount due or past due should appear in the negative, to show when credits have been posted in the positive amount bringing the total due amount to XXXX further reflecting a XXXX balance owed.
Frequently Asked Questions
What is Complaint #5653911 about?
Complaint #5653911 was filed against Navy Federal Credit Union regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-06-09T12:00:00-05:00.
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.