Consumer complaint received 2021-04-02
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection agency by the name of XXXX XXXX XXXX XXXX. 

I received the attached collection letter on XX/XX/XXXX, from this, XXXX XXXX XXXX XXXX, claiming that they are collecting on an alleged debt that they are claiming to have acquired from Navy Federal Credit Union. 

They are claiming that I owe an alleged debt in the amount of {$3900.00}, and I want to make it clear to XXXX XXXX XXXX XXXX, that I dont owe them, nor do I owe Navy Federal Credit Union this alleged amount of {$3900.00}. 

I had questioned the balances many times on the card that I had been paying Navy Federal for, years ago, and I could never get adequate nor accurate answers.

In XXXX I did have a Navy Federal credit card account, and I feel that Navy Federal deceived me with the rates, and charges that were being charged onto the account.

Years ago I had contacted Navy Federal many times through their online account messaging center, as well as by telephone calls to them, inquiring about the rates, and charges that were being charged to the account. 

Many times I had made requests to Navy Federal for a reduction in interest rate on the account that I had, had, because the balance was going up drastically due to their usury charges, and fees. 
I had also requested if they would transfer the account to a lower interest credit card account that they offered, and each time my request was unanswered, or I had to resubmit my message through the message center, and their answer always came back as a NO. 

I have had no dealings with Navy Federal Credit Union since XXXX, and they have been placing false status dates, and information onto my credit files, making it seem as though I have an account that I have been using as of present XXXX, and that is false, fraudulent information, they are doing this so as to destroy my credit. 

This collection agency XXXX XXXX XXXX, has never contacted me to verify if I knew of, or to find out if I even owed this alleged debt, yet even prior to my receiving the attached letter from them on XX/XX/XXXX, they had been making annoying telephone calls. 

I am disputing this debt, and I want XXXX XXXX XXXX XXXX to remove any and all derogatory false fraudulent information that they have placed onto my credit files, and I am requesting that Navy Federal Credit Union do the same. 

I have had no dealings with Navy Federal Credit Union since XXXX, and it is wrong of them to place false status dates, and information onto my credit files, and I want it all removed. 

If there is an account with a balance due in the amount of {$3900.00}, Navy Federal has run that up themselves with their usury interest, charges, and fees. 
Then they pass on false information to the credit bureaus and collection agency without any notice.

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