Consumer complaint received 2021-08-25
Company: NAVY FEDERAL CREDIT UNION
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Navy Federal Credit Union XXXXXXXX XXXX XXXXXXXX XXXX, VA XXXX XX/XX/XXXX Visa Signature cashRewards Account Ending In : XXXX XXXX out the positive balance of {$5700.00} and update XX/XX/XXXX negative payment history to current Visa Platinum Account Ending In : XXXX XXXX out the positive balance of {$7400.00} and update XX/XX/XXXX negative payment history to current To whom it may concern, I am a consumer, natural person, and original creditor. Navy Federal has violated federal law, as I am a federally protected consumer. Pursuant to FDCPA 15 USC 1692d 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. Navy Federal has called me countless of times regarding the allegation of a debt they say I owe. Pursuant to FDCPA 15 USC 1692a ( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Navy Federal doesnt have the right to tell a me, the consumer, that I owe any debt because they didnt provide me the five things that constitutes a validation of debt Pursuant to FDCPA 15 USC 1692g. Even with providing me the 5 things that validate a debt is not validating, its an allegation of debt unless I agree. An alleged debt being furnished on my credit report is a violation of FDCPA 15 USC 1692b ( 2 ) it is also advertising to coerce payment as described in FDCPA 15 USC 1692d ( 4 ). I demand that the positive balance on BOTH accounts be XXXX  out and that the account REMAINDS OPEN. Pursuant to 15 USC 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave Navy Federal written instructions to report a late payment on my credit report. I demand for that those two late payments to be updated to current. I demand to be compensated for damages pursuant to 15 USC 1692k. Pursuant to 15 USC 1611 CRIMINAL LIABILITY FOR WILLING AND KNOWING VIOLATIONS Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. I also demand as stated above, for Visa Signature cashRewards to be XXXX  out showing a balance of {$0.00} and to update the negative payment history to current and Visa Platinum to be XXXX  out showing a balance of {$0.00} and to update the negative payment history to current. I have attached supporting documents along with the invoice.

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