Debt collection -- Attempts to collect debt not owed -- Complaint #7154762
Complaint Overview
Complaint ID: 7154762
Company: Navy Federal Credit Union
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Georgia
ZIP Code: 30044
Date Received: 2023-06-22T12:00:00-05:00
Date Sent to Company: 2023-06-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I submitted a complaint, # XXXX to the CFPB about this account on my consumer report. The certified mail number is # XXXX. My personal information has not been properly protected according to 15 U.S.Code 6801 and the United States Congress. This account was previously sold to XXXX XXXX XXXX XXXX which is in my previous complaint. The alleged debt was written off and I received no XXXX which is a requirement of the Internal Revenue Service XXXX IRS ). NAVY FEDERAL CREDIT UNION should have sent me a XXXX to prevent me, the consumer, from financial harm due to NAVY FEDERAL CREDIT UNION XXXX XXXX. Not only has the account not been removed nor did I receive my required IRS XXXX, the charge-off itself has a past due amount. How? This account should be reported as income. How can this charged-off/written-off account be income and debt? And with that being said how is it still reporting? I have not received any documentary evidence according to 15 U.S.Code 44. Not a pile of papers and statements. I requested the books of account and financial and corporate records. The amount this alleged debt on my consumer report was sold for. Explain to me how you safeguarded all my personal information and provide evidence. The letter I received stating I must pay an alleged debt contains violations of 15 U.S. Code 1692. This alleged debt and this mail I received are defaming my character. You are criminally liable for willfully and knowingly reporting false and inaccurate information. 15 U.S.Code 11 These are my rights granted by Congress as a consumer.
Frequently Asked Questions
What is Complaint #7154762 about?
Complaint #7154762 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 2023-06-22T12:00:00-05:00.
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.