Consumer complaint received 2022-02-12
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX ( Collection Manager ) C/O Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Certified Mail/Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXXl ) XXXX XXXX Navy Federal Original Account Number? ) Subject : Navy Federal Credit Union Charged Off Go Rewards Account Debt Validation Letter Follow Up XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, This letter is in response to your letter dated XX/XX/XXXX. Secondly, it is in response to my most recent conversation with XXXX XXXX, on the XXXX of XX/XX/XXXX. In my letter dated the XXXX of XX/XX/XXXX, I disputed the alleged debt of {$8100.00} that you are attempting to collect. Additionally, I requested verification of the alleged debt, pursuant to my rights under the FDCPA. I am within my rights of requesting a verification request under the FDCPA. I requested a copy of the account history in total including, a copy of the signed contract. I requested that you cease and desist all collection activity, including credit reporting. I requested that you delete any and all reporting made to any consumer reporting agency. Furthermore, I requested a returned signature on the letter I submitted negotiating Pay to Delete should the account be actually mine. I requested a statement, outlining the one time payment due, in order to reconcile the account, in order to close this matter permanently with XXXX XXXX XXXX Navy Federal Credit Union. It has not been received to date. I requested that you delete any and all reporting made to any consumer credit reporting agency. At this time, I am requesting you communicate to Navy Federal Credit Union to consider entering into contract along with your company a Pay to Delete contract for the one time payment of {$3200.00} only, if the account is validated and accurate. A clear failure to address my very specific previous legal requests were not honored therefore, it appears a clear violation of the FDCPA has taken place. 

RE : Alleged ( Navy Federal Credit Union ) Alleged Original Credit Account Number ( XXXX XXXX XXXX XXXX? ) Debt Collectors Account Number ( XXXX ) Alleged Debt Amount on Balance ( {$8100.00} ) Firstly, it appears that you failed to obtain, provide, and forward a verification of the alleged debt by not mailing me a singed contract, including proof of ID. Instead of sending me a contract or agreement signed by all parties involved as requested, you mailed me a letter on your letter head, and included account statements for XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX. Please note, these statements dont even show transactions associated with the account in question. Why? I request every transaction on this account from the time it was opened until it was closed. This is not a contract or agreement. In my opinion your company was not responsive to my verification request. Under the FDCPA, it is unfair and even unconscionable, to attempt to collect an alleged debt in any amount that is not expressly authorized, by an agreement creating the debt or permitted by law. Also, my personal information was disclosed without my expressed written and/or verbal consent, or knowledge to a third party. 


Secondly, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Navy Federal Credit Union also failed in this manner. Under the FDCPA, it is false, deceptive, and misleading representations or means in connection with the collection of any debt to communicate to any person, including to any credit reporting agency, credit information that is know or which should be known to be false. 

Thirdly, due to the previously stated, Navy Federal Credit Union XXXX XXXX XXXX have caused me a significant amount of XXXX, XXXX XXXX, and financial hardship. I am requesting you once again verify this debt in its entirety. I want to see my signature. I need it because I know its a forgery. 

Lastly, I have reason to believe this account was opened by my father, under false pretense. I pursued a guardianship based on medical direction, from my fathers psychiatrist. The guardianship was approved however, a year later it was transferred to a court appointed professional guardian. Her name is XXXX XXXX. I had no choice. It was to much for me and my health. My father was caught using, impersonating and forging my name, social security number, birthdate, and other personal information, to shift monies from the guardianship account, to other unknown accounts, that I was not aware of nor could locate. Please note, its not the first time. A significant history has been established of this behavior prior to the guardianship. 

A few years after the transfer, the guardianship was lifted. XXXX XXXX and her accomplices were found guilty of a multitude of crimes. The estates of her Wards were liquidated and stolen, out of pure greed. My father being one of many victims. My father blamed me for what had happened. Everything he worked for, gone. We have not been able to recover any of his belongings. It appears he was retaliating against me based on what happened and more importantly, what he lost. A lifetimes worth of work, lost forever. Enclosed is a copy of XXXX XXXX old business card, and an article relating to what I have communicated to you. I included a copy of XXXX state officials who spoke to me on numerous occasions, after my father maliciously accused me of elder abuse and fraud. Its another reason why the guardianship was transferred however, and more importantly, it was in my fathers best interest, due to his illnesses. I included a copy of the Indictment where my father is referenced on page XXXX. Finally, I included a copy of my fathers death certificate. 


P.S. 

Its in Navy Federal Credit Unions best interest, as well as XXXX XXXX to remove this account in its entirety off my credit report, from all three credit reporting agencies. If you continue to pursue me for this debt, I will address my concerns with those involved with my fathers Guardianship case. I will request it be investigated. 

Very Respectfully, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau via XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief