Consumer complaint received 2016-05-25
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
navy federal credit union has continually to violate federal and state guidelines and statues Ive had several conversations with members of navy federal credit union customer resolution dept as well as branch managers about account numbers that i had no idea existed that was showing on my credit report which could not be found in there reporting or book keeping systems after several complaints nothing has been done to rectify the issue on XXXX XXXX XXXX XXXX nc police dept did a investigation at the branch located on XXXX XXXX in XXXX nc. conclusion of that investigation concluded that navy federal credit union committed wire fraud by reporting account information that was not in there systems and re-reporting those accounts to a credit reporting agency. not only but not limited to navy federal credit union also. stated the accounts where in charge off without sending out any billing statements or letters stating repossessions and account charge offs by the statues of limitation to correct any wrong information. before the accounts where charge off. after pointing out the mistakes and violations under the federal law Navy Federal collection team continued to violate the law by blocking all access to branches as well as phone communications. XXXX in there customer resolution department stated that the accounts should have not been reported. as well as XXXX XXXX of the XXXX branch told law enforcement that the accounts are not in there system and she did n't know why they would refer me to come to a branch. also after law enforcement told them to remove the information within four days for the accounts being fraudulently placed. which is a federal guideline under the dood frank act as well as the FCRA. Also i received a letter addressed from XXXX XXXX which is the senior vice president of collections stating that i caused fellow members to lose shares and money from the credit union without proving that i caused these adverse conditions against other members accusing me of a crime. When in fact the account numbers that they are reporting are not even account numbers that have. After repeated attempts to reach out to XXXX XXXX XXXX the XXXX of collections of the credit union was told that i would not ever be able to speak with him. At no point in time in there communications did navy federal ever communicate that these where attempts to collect a debt and any information will be used for those purposes. After asking on several attempts for information referring to any charge off accounts on the dates there where charge off. and any information they could provide showing me the collection attempts before being charge off to show where i refused to remit payments under the accounts they stated they charge off. Also the account numbers listed on my credit report show cause of where i agreed to any type of collections or contracts under the account numbers currently reporting under my credit file. Section XXXX under the FDCPA LAW it states that FALSE 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. ( XXXX ) THE FALSE REPRESENTATION OF ( a ) THE CHARACTER, AMOUNT, OR LEGAL STATUS OF ANY DEBT. ( XXXX ) THE FALSE REPRESENTATION OR IMPLICATION THAT THE CONSUMER COMMITTED ANY CRIME OR OTHER CONDUCT IN ORDER TO TO DISGRACE THE CONSUMER. ( XXXX ) THE USE OF ANY FALSE REPRESENTATION OR DECEPTIVE MEANS TO COLLECT OR ATTEMPT TO COLLECT ANY DEBT OR TO OBTAIN INFORMATION CONCERNING A CONSUMER. ( XXXX ) THE USE OF ANY BUSINESS, COMPANY, OR ORGANIZATION NAME OTHER THAN THE TRUE NAME OF THE DEBT COLLECTORS BUSINESS, COMPANY OR ORGANIZATION. ALSO ON THE SECURITY AGREEMENTS OR CONTRACTS SIGN THERE IS NO MENTION THAT NAVY FEDERAL COULD REPORT ANY INFORMATION TO THIRD PARTIES.

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