Consumer complaint received 2021-04-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, Consumer XXXX, entered into a consumer credit transaction with Navy Federal Credit Union. 

Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1692f. ( 8 ) which states debt collector can not use any language or symbol on an envelope other than the debt collector 's address. Navy Federal Credit Union violated my privacy by placing their logo and language on the envelope that implied to anyone that saw the envelope that I owed an " alleged debt ''.

Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1692j. ( a ) which states that it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Navy Federal Credit Union violated my consumer rights by creating false statements that created false belief that I, the original creditor and consumer, owe an " alleged debt '' to Navy Federal Credit Union. I am not participating in collecting a debt from myself.

Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1692e. ( 2 ) ( A ) which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt ; Navy Federal Credit Union violated my consumer rights by displaying the false representations of " alleged debts '' to deceive me, the consumer, that I have an unpaid balance. If debt existed wouldn't it be stated in the negative and not a positive amount due to the fact I can't make payments on a positive account.

Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1692d. ( 2 ) which states : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Navy Federal Credit Union violated my consumer rights because the word debt is highly offensive and disrespectful in my household and is frowned up based on my upbringing. This profane language was used in the written communication sent to me. 

Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1692e. ( 5 ) which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) The threat to take action that can not legally be taken or that is not intended to be taken.

Navy Federal Credit Union violated my consumer rights because I was threatened to have reputation damaged if I did not pay an " alleged debt ''. 

Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1692d. ( 1 ) which states : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
Navy Federal Credit Union violated my consumer rights by tainting my reputation, my consumer credit report, because they added negative information that reflects a false balance.

Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1692d. ( 4 ) which states : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

Navy Federal Credit Union violated my consumer rights by willfully and without consent advertise a false balance on my consumer report with intent to damage my reputation with other creditors to coerce me to pay an alleged debt.

Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1681a. ( d ) ( 2 ) ( A ) ( i ) which states : ( d ) Consumer Report.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Navy Federal Credit Union violated my consumer rights because that reported a consumer transaction to XXXX  and XXXX  between the consumer, myself, and the person, Navy Federal Credit Union, which should have been excluded from my consumer report.

Navy Federal Credit Union violated my federally protected rights governed under 15 USC 1681a. ( d ) ( 2 ) ( B ) which states : ( d ) Consumer Report.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Navy Federal Credit Union violated my consumer report by reporting to XXXX and XXXX  about a consumer transaction that involved the use of my credit card which should have been excluded from my consumer report.

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