Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal is collecting on a balance of the amnt of {$1900.00}. stating they came to this decision based upon my history to pay and did soft pull on my credit report I. Which I never authorized for future use and they decided not to renew my card. They still want me to pay on a debt they dismissed. I disputed and wrote them a letter of reconsideration and they denied it. Pls see attached ltr of reconsideration. 

Subject : Formal Appeal and Request for Reinstatement of Credit Card Account To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Department, I am writing to formally appeal the decision communicated to me via your letter dated XX/XX/year>, regarding my Navy Federal Credit Union credit card account ending in Your notice stated that my account will not be reissued and is scheduled for closure based on credit-related factors including : Serious delinquency Proportion of balance to credit limit too high Time since delinquency too recent or unknown Number of accounts with delinquency According to your letter, this decision was made using information obtained in whole or in part from XXXX, a consumer reporting agency. I was not informed nor did I provide written authorization to Navy Federal Credit Union to access my credit report or credit score for the purpose of reissuing an existing account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report with the consumers written authorization or for a permissible purpose defined under the statute. 

In this case, I did not apply for new credit or authorize a hard or soft inquiry to determine my eligibility for reissuance of a credit card that was already in my possession. The use of my credit information without consent raises serious legal and ethical concerns and may also constitute a violation of the Fair Credit Reporting Act and Uniform Commercial Code protections related to consumer privacy and fair treatment.

Furthermore, your letter acknowledges that the consumer reporting agency ( XXXX  ) played no role in your specific decision and can not explain the reason for denial. This disconnect suggests a lack of transparency and fairness in the decision-making process. I have maintained good faith in managing my account and was not notified of any opportunity to cure or contest the listed issues prior to your decision. 
In light of the above, I respectfully request the following : 1. Immediate reinstatement of my credit, including reissuance of the new card before or upon expiration.

2. A full disclosure of when and under what authorization my credit was accessed.

3. Removal or correction of any unauthorized credit inquiries if applicable.

Please understand that I value my relationship with Navy Federal Credit Union and would like to resolve this matter amicably and expeditiously. I trust that you will review this appeal with the seriousness it warrants and respond within 15 calendar days from the date of this correspondence.

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