Consumer complaint received 2022-08-28
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have attached NFCU last response to this important matter. Unfortunately I have still not received any validation that I am responsible for paying the alleged debt. My cooperation in making payments or setting up a payment plan is not an admission that I am in fact responsible for paying it. I am glad to hear you admit that you gave my information to Conserve in order to collect the alleged debt, but I'm sure you know this constitutes as identity theft as I did not authorize Conserve to have access to my information nor did I authorize XXXX XXXX to give it to them in order to contact me. I never gave written consent for Conserve to call me or collect a debt from me pursuant to 15USC 1692C this is illegal. Whenever conserved called me they asked me to confirm personally identifiable information, so how could they have known my information unless NFCU gave it to them? Under the Gramm-Leech-Bliley Act you can not give any of my information to any 3rd Party without my express consent. Under this act, you also never gave me an option to optout of you reporting information about me or this alleged debt to the CRAs. You are supposed to give an option to optin as well as optout of the sharing of this information. Neither option was provided it was simply assumed by you. 

Please Cease and Desist all collection activity on this alleged Debt until I receive validation Pursuant to 15USC 1692G. This Cease and Desist of the debt includes all collection activity on the alleged debt to include but not limited to furnishment to the Consumer Reporting Agencies, reselling of the alleged debt to 3rd Parties, or garnishment of my wages or bank accounts. This shall not be mistaken for a dispute or an attempt to not pay on any alleged debt. And it does not cover communications unrelated to the debt. I simply want validation from the debt collector that the debt actually belongs to me. 

Pursuant to 15USC 1692G of the Fair Debt Collection Practices Act, satisfaction of debt validation includes : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

In addition to this, I also need the following : 1 ) Accounting ledger, transactional history, and full file of any other information you have about the alleged debt 2 ) Notarized statement of someone who has first-hand knowledge of the transaction and can testify this transaction was completed legally 3 ) A copy of the original contract signed by both parties verifying that I owe you, the Debt Collector 4 ) Please also provide me with a true and certified copy ( NOT photocopy ), of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note has never been sold 5 ) Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorist Act 2009 and what actions s/he has taken in relation to this account.

6 ) Please confirm if you are governed under the Gramm-Leach-Bliley Act or not

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief