Consumer complaint received 2018-01-12
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On my credit Report, Navy Federal Credit has 3 separate reporting on each of the credit bureaus claiming that I owe them money. as follows : Car loan XXXX balance owed XXXX Checking line of credit : Balanced owed XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX Credit however, stated credit card was switch in XXXX XXXX to a low interest credit card resulting in closing the credit card. However would not give me exact dates I have requested multiple times for debt validation from the company and refuses to provide Hard copies of the agreements, Complete agreement or information showing that I agreed for them to close my credit card account and switch it to a low interest payment when I was never late. When I have attempted to make contact, they informed me that They could not provide me with original agreements, they do not have exact dates in the system of change over, could not tell me the interest on my credit card, car note and that they were not required to provide this information to me. Since My credit report has been affected by this and is constantly changing my report, I requested validation and never have been provided with documentation. They just keep trying to get me to agree to making payment on my account when I stated That I do not believe I owe an I want to know exactly where they are getting payment information from, what contracts they have proving I opened theses accounts and agreed for my credit card to be shut off and to a low interest payment. When I asked again for verification after they updated my report and changed the number again and asked them how are they able to do this, they stated when you dispute all we have to do is give the credit reporting agency you information and a balance. The agent also said we do n't have anything in our systems because it is too old. And when I asked why is information different on every report he said if I agree to a payment play the balance can be corrected and reports will update to reflect payment plan. When I refused and asked to speak to a manager he hung hung up. I also have asked several time to verify that my address. Navy Federal is purposefully damaging my credit since I began disputing, changing account numbers, reporting balance as XXXX once month then changing it the following month which keeps drastically changing credit report and Is causing me to be declined for everything. The also have been reporting to my credit that I am late every month when I have not used these accounts since XXXX and requested for my payments to be held per my insurance due to daughter being born XXXX XXXX and on Medical leave of absence. If you look through all of the attachments, You will see the different balances reported, amounts due, account numbers, and how every month something was reporting differently. This should be illegal.

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