Consumer complaint received 2025-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Company Information : Navy Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Subject : Complaint Against Navy Federal Credit Union for Multiple Legal Violations and Settlement Offer of {$15000.00} To Whom It May Concern, I am filing this complaint against Navy Federal Credit Union ( NFCU ) due to their ongoing negligence, violations of federal consumer protection laws, and failure to properly address my disputes regarding inaccurate information on my credit report. Their actions have caused significant financial harm, emotional distress, and have directly impacted my career opportunities. 

1. Background and Timeline of Events XX/XX/year> : I sent a written dispute letter to Navy Federal Credit Union regarding an account that was inaccurately reported on my credit file. I requested proper validation of the alleged debt, disclosure of my non-public personal information, and the removal of any negative or inaccurate information. 
XX/XX/year> : NFCU responded with incomplete and misleading information. Their correspondence failed to provide proper debt validation and omitted the required Mini Miranda rights, violating federal law. 
XX/XX/year> : NFCU again failed to properly validate the debt, falsely claiming I did not provide sufficient information. 
Repeated Violations : NFCU sent deceptive envelopes bearing misleading logos and letterheads, creating a false impression of legal authority or government affiliation. 
Privacy Rights Violation : NFCU failed to provide the legally required privacy notice and opt-out rights. 
Failure to Provide Negative Information Notice : NFCU failed to notify me before reporting negative information to the credit bureaus. 
Career Impact : Due to NFCUs negligence and the inaccurate reporting on my credit file, I was denied employment into the U.S. military, which caused severe emotional distress, damage to my reputation, and loss of potential income. 
XX/XX/year> : I received statements from NFCU that lacked mailing dates, a direct violation of federal law. Additionally, I have no access to their online portal to verify any communication they claim to have sent. 

XXXX. Violations of Federal Laws by Navy Federal Credit Union XXXX. XXXX XXXX XXXX XXXX Timely Mailing of Statements This law mandates that creditors must mail or deliver periodic statements to consumers within a reasonable timeframe. 
NFCU violated this law by failing to include mailing dates on the statements I received on XX/XX/year>, making their collection and reporting activities unlawful. 
Since they can not prove timely delivery, they are prohibited from collecting or reporting the debt to consumer reporting agencies.

B. 15 U.S. Code 1681s-2 ( a ) ( 7 ) Failure to Provide Negative Information Notice Under the Fair Credit Reporting Act ( FCRA ), creditors must notify consumers before reporting negative information to credit bureaus.

NFCU failed to provide this legally required notice before reporting the disputed account, violating 15 U.S. Code 1681s-2 ( a ) ( 7 ).

This violation directly harmed my credit report and reputation.

C. 15 U.S. Code 6802 Failure to Provide Privacy Notice and Opt-Out Rights Under the Gramm-Leach-Bliley Act ( GLBA ), financial institutions must provide consumers with a privacy notice and an opportunity to opt out before disclosing non-public personal information ( NPPI ) to third parties.

NFCU violated 15 U.S. Code 6802 by failing to : Provide the required privacy notice.

Inform me of my right to opt out of third-party disclosures.

This unauthorized disclosure of my NPPI without consent is a direct violation of my privacy rights.

D. 15 U.S. Code 1692g Failure to Validate the Alleged Debt Under the Fair Debt Collection Practices Act ( FDCPA ), creditors must provide proper validation of a disputed debt, including clear documentation and evidence of the debts legitimacy. 
NFCU failed to provide proper validation when they responded to my dispute on XX/XX/year>, and again on XX/XX/year>. 
Their responses were vague, incomplete, and did not meet the legal requirements for debt validation.

E. 15 U.S. Code 1692e Deceptive Correspondence The FDCPA prohibits the use of false, deceptive, or misleading representations in connection with debt collection.

NFCU sent multiple letters in deceptive envelopes bearing misleading logos and letterheads, creating a false impression of legal authority.

This violates 15 U.S. Code 1692e and misleads consumers regarding the legitimacy of the correspondence.

F. 15 U.S. Code 1692e ( 11 ) Failure to Include Mini Miranda Rights Under the FDCPA, debt collectors must include Mini Miranda rights in all communications, informing the consumer that the communication is from a debt collector.

NFCU failed to include the Mini Miranda warning in their responses to my dispute letters on XX/XX/year> and XX/XX/year>, violating 15 U.S. Code 1692e ( 11 ).

3. Damages and Requested Resolution As a direct result of NFCUs violations, I have suffered the following damages : Emotional Distress and Reputational Harm : The damage to my credit report negatively impacted my reputation, career prospects, and financial stability.

Financial Loss : The inaccurate reporting caused me to miss out on employment opportunities, specifically a military career. 
XXXX XXXX XXXX : The ongoing negligence and lack of resolution have caused me XXXX and XXXX  suffering.

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