Consumer complaint received 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to formally notify you that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692 ( d ) and 1692 ( cc ), regarding the debt you are attempting to collect from me. This debt, associated with Navy Federal Credit Union and identified by account number XXXX, has been the subject of my prior communication regarding debt validation. 

I would like to bring to your attention that per IRS regulations, a charged-off debt is treated as income, and a Form 1099-C must be issued when a debt is forgiven or canceled. I have not received such documentation in association with this debt, which is a violation of my consumer rights. Furthermore, the inclusion of income due to charge-offs on a consumer 's credit report contradicts 1681 ( a ) ( 2 ) ( A ) ( i ) of the Fair Credit Reporting Act.

I requested a copy of the Forward FLOW AGREEMENT and the original signed contract that indicates my obligation to the original creditor Navy Federal Credit Union.

Also information on whether any insurance claim has been filed against this debt. ( a ) Many creditors carry insurance policies to protect against bad debts, known as " debt insurance '' or " credit insurance. '' If the creditor has such insurance, they may file a claim after a debt is deemed uncollectible. ( b ) If an insurance claim is filed, the creditor may receive compensation from the insurance provider for the portion of the debt that is lost. This generally would not affect the relationship with a secondary creditor unless there are provisions in the sale agreements that address the matter. ( c ) Understanding that the original creditor may have sold or transferred this account to your agency, I would appreciate any documentation pertaining to the transfer of ownership and the original account status.

Proof of the chain of title that grants XXXX XXXX XXXX XXXX XXXX XXXX XXXX the authority to collect on this debt, including any transfers from Navy Federal Credit Union to your agency. ( a ) The original agreement or contract establishing the debt. ( b ) Documentation of any assignments or transfers of the debt, showing when and how ownership was transferred to your agency. ( c ) Any additional records that affirm your authority to collect on this account. 

Confirmation that XXXX XXXX XXXX XXXX XXXX XXXX XXXX is licensed and authorized to collect debts in the state of Texas, as verified against the XXXX XXXX XXXX XXXX ( XXXX ) and proof that the debt hasnt passed the statute of limitations. 

A full detailed list of the payment history associated with the debt. 

I also want to highlight that I did not authorize the original creditor Navy Federal Credit Union to sell my personal information or transfer my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX This unauthorized transfer, along with the lack of proper documentation, constitutes a violation of my consumer rights under the FDCPA, including :

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