Consumer complaint received 2023-05-10
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account number ending in XXXX. 

This alleged debt was sold to XXXX XXXX, XXXX and still reports that it is owed to Navy Federal Credit Union. How is that possible? How is there a past due balance on a charged off account? How is there a balance at all? Navy Federal Credit Union violated my rights as a consumer. 

15 U.S.Code 1692a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. 

I was told I owed an alleged debt and have proof, and this is a violation of 15 U.S.Code 1692b ( 2 ). 

Navy Federal Credit Union has included its symbol while attempting to collect a debt and this is a violation of 15 U.S.Code 1692b ( 5 ).

Navy Federal Credit Union can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, Navy Federal Credit Union has communicated with all caps name principal obligor, { XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 1692c ( b ).

The false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). How can Navy Federal Credit Union allege that I owe a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay a positive amount? This amount appears as if it was owed to me. 

Navy Federal Credit Union violated 15 U.S.Code 1692f ( 8 ) as there can be no symbols on the outside or inside the mails in the attempt of collection of any debts. 

I am aware, when debt is not secured by real property, Navy Federal Credit Union can only sue if the contract authorizes the ability for the debt collector to sue the affiant. I did not sign to any such contract to authorize a lawsuit against me, and this legal action is a violation of 15 U.S.Code 1692i ( a ) ( 2 ).

I am also aware, according to 15 U.S.Code 1692i ( b ) Navy Federal Credit Union has no legal authorization to bring a legal action against I, the consumer, in fact.

According to 15 U.S.Code 1692k ( a ) ( 2 ) ( A ). It states an individual action is a violation worth XXXX dollars, meaning each violation is worth {$1000.00}. In accordance with 1 U.S.Code 1, words importing in the singular include the application to several persons, parties or things, and therefore the single mention of the word action can mean each individual set of actions costs {$1000.00} per violation. 
Multiple consumer rights violations with proof including my right to privacy in 15 U.S. Code 6801. 

I am requesting that you remove this account and all remarks from my consumer credit report immediately. 

If you except my request, I will not escalate this matter to federal court. In case you dont accept my requests above, a legal action shall be taken against your company for compensatory damages. This account has caused me to lose work opportunities and I have proof of such. As a XXXX XXXX Veteran this has caused my migraines to intensify, which I also have proof. Thank you for your attention to this matter.

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