Consumer complaint received 2019-02-13
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. Navy Federal Credit Union ( NFCU ) : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$22000.00}. XX/XX/XXXX, NFCU charged off/wrote off the alleged past due amount of {$22.00}, XXXX. At the time of the write-off, NFCU cancelled and abandoned the debt, reducing it to {$0.00}. Currently, NFCU is attempting to collect {$22000.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$22000.00} on each of my credit reports. Once the debt {$22000.00}, was cancelled/abandoned, NFCU can not later lay claim to it. NFCU abandoned the debt and issued an IRS XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of NFCU. Nor can NFCU defame, slander or libel their customer and/or make false claims and statements on customer credit reports. 
Attached you will find a supporting demonstrating the instant damage caused by NFCU. I have been denied a Law School Loan, based upon NFCU false reporting. I can demonstrate compensatory and punitive damages and intend to seek each. Following previous complaints, I have gotten calls from non-working numbers from Navy Federal Credit Union, but no message has been left. Only when I call the number back did I discover it to be an non-working number from XXXX. Now I ask any reasonable person. Is this the conduct we should expect from our financial institutions? It simply plays into all the various forms of complaints against NFCU and their abhorrent conduct. 

2. I have made numerous attempts to have XXXX fully investigate the matter and on my most recent attempt, was notified by XXXX  that they had previously investigated the matter and would not do so again. There is a prima facia case demonstrating XXXX XXXX culpability and failure to act in good faith. They simply took NFCU 's statement at face value and rendered an adverse ruling against my dispute. These actions warrant compensatory and punitive damages and intend to seek each. 

XXXX. XXXX : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$4200.00}. XX/XX/XXXX, XXXX charged off/wrote off the alleged past due amount of {$4200.00}. Prior to this date, XXXX unlawfully re-aged their claim and falsely reported 120 days past due for 3 consecutive months. At the time of the write-off, XXXX cancelled and abandoned the debt, reducing it to {$0.00}. XXXX issued an IRS XXXX. Currently, XXXX is attempting to collect {$4200.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$4200.00} on each of my credit reports. Once the debt {$4200.00}, was cancelled/abandoned, XXXX can not later lay claim to it. XXXX abandoned the debt and issued an IRS XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of XXXX. Nor can XXXX defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by XXXX. I have been denied a XXXX XXXX XXXX, based upon XXXX false reporting. I can demonstrate compensatory and punitive damages and intend to seek each. 

XXXX. XXXX : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$2700.00}. XX/XX/XXXX, XXXX charged off/wrote off the alleged past due amount of {$2700.00}. Prior to this date, XXXX unlawfully re-aged their claim and falsely reported 120 days past due for 3 consecutive months. At the time of the write-off, XXXX cancelled and abandoned the debt, reducing it to {$0.00}. XXXX issued an IRS XXXX. Currently, XXXX is attempting to collect {$2700.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$2700.00} on each of my credit reports. Once the debt {$2700.00}, was cancelled/abandoned, XXXX can not later lay claim to it. XXXX abandoned the debt and issued an IRS XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of XXXX. Nor can XXXX defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by XXXX. I have been denied a XXXX XXXX XXXX, based upon XXXX false reporting. I can demonstrate compensatory and punitive damages and intend to seek each. 

XXXX. XXXX : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$5100.00}. XX/XX/XXXX, XXXX charged off/wrote off the alleged past due amount of {$5100.00}. Prior to this date, XXXX unlawfully re-aged their claim and falsely reported 120 days past due for 3 consecutive months. At the time of the write-off, XXXX cancelled and abandoned the debt, reducing it to {$0.00}. XXXX issued an IRS XXXX. Currently, XXXX is attempting to collect {$5100.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$5100.00} on each of my credit reports. Once the debt {$5100.00}, was cancelled/abandoned, XXXX can not later lay claim to it. XXXX abandoned the debt and issued an IRS XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of XXXX. Nor can XXXX defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by XXXX. I have been denied a XXXX XXXX XXXX, based upon XXXX false reporting. I can demonstrate compensatory and punitive damages and intend to seek each. 

XXXX. XXXX : Account XXXX, claiming/attempting to collect PAST DUE AMOUNT {$3400.00}. XX/XX/XXXX, XXXX charged off/wrote off the alleged past due amount of {$3400.00}. Prior to this date, XXXX unlawfully re-aged their claim and falsely reported 120 days past due for 3 consecutive months. At the time of the write-off, XXXX cancelled and abandoned the debt, reducing it to {$0.00}. XXXX issued an IRS XXXX. Currently, XXXX is attempting to collect {$3400.00} and in support of their efforts, continues to report a PAST DUE AMOUNT of {$3400.00} on each of my credit reports. Once the debt {$3400.00}, was cancelled/abandoned, XXXX can not later lay claim to it. XXXX abandoned the debt and issued an IRS XXXX acknowledging the cancellation of the debt. This equates to the account balance being reduced to {$0.00} and/or the account balance was paid in full by an administrative act on the part of XXXX. Nor can XXXX defame, slander or libel their customer and/or make false claims and statements on customer credit reports. Attached you will find a supporting demonstrating the instant damage caused by XXXX. I have been denied a XXXX XXXX XXXX, based upon XXXX false reporting. I can demonstrate compensatory and punitive damages and intend to seek each.

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