Consumer complaint received 2022-03-10
Company: NAVY FEDERAL CREDIT UNION
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In early 2021 ( XXXX or XXXX ) I contacted navy federal trying to settle and receive information about a debt they claim I owe them. They told me the debt was charged off and that Navy Federal is no longer handling the debt and said that I could no longer pay Navy Federal for it. Via telephone on their recorded line They provided me the number to a collection agency and told me to call them to handle the debt. I did and couldn't reach anyone but left messages. I received a letter from XXXX XXXX XXXX asking for payment of debt on behalf of Navy Federal Credit Union. I responded and asked that they verify and validate the debt, which they had 30 days to do so, they sent me the same letter in the mail along with a few blank pages but nothing validating the debt in XX/XX/2021. They never validated the debt on behalf of their client Navy Federal and they both never contacted me again, navy federal said it was due to a " cease and desist letter '' that I sent XXXX XXXX, which was a formal complaint against the company for reporting falsely without validating the debt on behalf of Navy Federal. I still sent letters every month to XXXX XXXX who Navy Federal referred me to, their representation, asking them to validate the debt XXXX XXXX XXXX and they never responded them or their client. I attempted to report the collection agency with the CFPB, complaint number XXXX are claiming that they gave it back to Navy federal in XX/XX/2021 but that was the month they tried to validate the debt with the letter and blank pages and I responded XX/XX/XXXX demanding that they delete the information according to the law. By law they are required to verify the debt or promptly delete it. Navy Federal referred me to XXXX XXXX to handle this debt and XXXX XXXX failed to properly validate the debt within the 30 day time period for their client. It legally has to be removed. I tried to settle this with navy federal directly over a year ago and the referred me to their representation. This is defamation and Navy Federal should be held accountable, I should not have to go through the entire disputing process again directly through them because when I attempted to in 2021 they told me they will not be handling it and directed me to their representation and I spent over 6 months trying to get them to properly validate the debt and because XXXX XXXX, Navy Federal 's Representation/an extension of them couldn't properly validate it within the allotted time frame I now still have to go through navy federal ? They refused to handle my debt directly and I exercise my rights according to the FCRA and they couldn't validate the debt but refused to delete it after all this time they get to say now you have to directly through us even though XXXX XXXX XXXX was working for navy federal to settle the debt? please do something about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation