Debt collection -- False statements or representation -- Complaint #6181354
Complaint Overview
Complaint ID: 6181354
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: Pennsylvania
ZIP Code: 19154
Date Received: 2022-11-08T12:00:00-05:00
Date Sent to Company: 2022-11-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Navy Federal is reporting to the credit bureaus that I have an outstanding debt of {$5600.00}. I received a letter from Navy Federal stating that they would settle my account for {$1900.00}. I reached out to Navy Federal Credit Union today XX/XX/2022 and I tried to make a payment of {$1900.00}. They refused to accept payment from me, they told me my account was sold. However ; there is no collection agency reporting this debt to the credit bureau. I called the collection agency XXXX to make the payment of {$1900.00} and they told me I needed to pay more although Navy Federal sent me a letter showing I only had to pay {$1900.00}. Navy Federal is reporting a debt to my credit but not accepting my payment.
Frequently Asked Questions
What is Complaint #6181354 about?
Complaint #6181354 was filed against Navy Federal Credit Union regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-11-08T12:00:00-05:00.
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.