Consumer complaint received 2021-09-12
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XXXX Consumer ID : XXXX I submitted CFPB complaint number XXXX in regards to information reporting inaccurately on my XXXX XXXX XXXX report. These items came back falsely verified and I am demanding an investigation. Also, I want a complete documentation of this investigation provided to me. The longer this unverified information is on my report, the more pain and anguish I feel. You are in violation of the FCRA and I am seeking remedy of {$400000.00} in compensation which you can send in the form of a check payable to myself and addressed to the addressed listed above. If these items aren't removed immediate, please expect an affidavit of truth to follow. Consumer ID : XXXX TO : NAVY FEDERAL CREDIT UNION In reference to to account Bank Routing # : XXXX Account # : XXXX Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that NFCU verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by NFCU. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX  XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX, bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. What you sent ( 4 illegible letters attached ) could be anything from anybody and is DEFINITELY not validation!!!! Please stop playing with me. This is making me XXXX  XXXX. I can't eat or sleep and I feel like total XXXX because of this. Please delete this account immediately!!!! Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX Cc : XXXX XXXX, XXXX

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