Consumer complaint received 2023-12-20
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern, I am writing to file a formal complaint against Navy Federal Credit Union regarding their failure to respond to a certified mail validation request and to underscore my concerns about potential violations of credit laws. Additionally, I would like to address the blatant lack of professionalism exhibited by XXXX in handling this case. The recent controversy surrounding Navy Federal 's lending practices, as reported by XXXX, further compounds my apprehension regarding the treatment of my case. The details of this multifaceted issue are outlined below, referencing pertinent information from various interactions. 

**Chronology of Events : ** 1. **Date : ** XXXX - XXXX initiated a certified mail validation request to Navy Federal Credit Union seeking verification of charged-off accounts.

- Navy Federal has failed to respond within the mandated 30-day period for a valid response. 

2. **Potential Violations of Credit Laws : ** - **Fair Debt Collection Practices Act ( FDCPA ) : ** The lack of response from Navy Federal Credit Union to a certified mail validation request may be in violation of the FDCPA, which mandates a timely response to consumer inquiries. 

- **Fair Credit Reporting Act ( FCRA ) : ** Failure to address and validate disputed information within a reasonable time may also violate the FCRA XXXX which ensures accuracy and fairness in credit reporting. 

**Unethical Practices and Class Action Lawsuit : ** - In light of recent developments, Navy Federal Credit Union is facing new scrutiny over XXXX disparities in its mortgage lending, as reported by XXXX XXXX A class-action lawsuit has been filed, alleging discrimination against XXXX and XXXX applicants. 
- This controversy raises concerns about Navy Federal 's commitment to fair and ethical practices, further amplifying the severity of my mistreatment as a XXXXXXXX XXXX and minority consumer. 

XXXXXXXX XXXX XXXXXXXX of Professionalism and Expedited Investigation : ** - The handling of this case by XXXX has been marked by a blatant lack of professionalism, as evidenced by the chat transcript provided. XXXX  representatives have consistently failed to input documents correctly, leading to repeated errors in the resolution process. 
- Of particular concern is the expedited investigation conducted by XXXX, with disputes submitted on XX/XX/XXXX and a purported " proper '' investigation completed in just 3 days. As of the time of writing, XXXX has yet to provide the evidence supporting their report, raising questions about the thoroughness and legitimacy of their process. 

**Immediate Action Requested : ** - I am seeking intervention from the XXXX XXXX XXXX to address this matter urgently and to rectify the impact on my credit. Specifically, I request the immediate deletion of the inaccuracies related to the charged-off accounts # [ XXXX - {$23000.00}, XXXX - {$4200.00}, XXXX - {$22000.00}, XXXX - {$14000.00} ] from my credit report. 

**Enclosed Documents : ** - Copies of correspondence with Navy Federal , including the certified mail validation request and certified mail receipts. 
- Relevant sections of this chat transcript illustrating the lack of response, potential violations of credit laws, and XXXXXXXX XXXX  unprofessional handling of the case. 
- News articles regarding Navy Federal 's involvement in a class-action lawsuit. 

This situation demands immediate attention and resolution to ensure compliance with consumer protection laws and address the broader ethical concerns surrounding Navy Federal 's lending practices and XXXXXXXX XXXX professionalism. 

Thank you for your prompt assistance in addressing this critical issue. 

Sincerely, XXXX XXXX

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