Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2025 Navy Federal Credit Union XXXX XXXX XXXX, XXXX, VA XXXX. 
Subject : Cease and Desist Unlawful Debt Collection and Unauthorized Use of Personal Information To Whom It May Concern, This letter serves as a formal cease and desist demand regarding your unlawful debt collection practices and unauthorized use of my personal financial information. Your continued actions violate multiple federal laws, and I demand immediate corrective action. 
1. Cease Communication Pursuant to 15 U.S.C. 1692c ( c ) Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or request cessation of communication, the debt collector is legally obligated to cease all further communication regarding that debt.

I have previously notified you in writing that I refuse to pay the alleged debt and have demanded that you cease all communications regarding it. However, you have continued to report this debt to consumer reporting agencies. This constitutes an unlawful form of communication in direct violation of the FDCPA. 
I hereby demand that you : Immediately cease and desist all communication with me regarding this alleged debt. 

Cease all reporting of this debt to consumer reporting agencies. 

Provide written confirmation that you have complied with this request. 
Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 
Additionally, I reserve the right to pursue civil litigation for damages resulting from your unlawful conduct. 
2. Unauthorized Use of Personal Information Under 15 U.S.C. 6802 Under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), financial institutions are prohibited from disclosing a consumers nonpublic personal information without explicit consent.

I have never provided written consent for your company to use, share, or disclose my financial information in any capacity. Your unauthorized use of my information has caused material adverse effects on my financial privacy and well-being. 
I demand that you : Immediately cease and desist from any further unauthorized use or disclosure of my personal financial information. 

Provide proof of my original wet ink signature authorizing you to disclose my personal information. 

Confirm in writing that you have ceased all unauthorized use of my information. 
Failure to provide this documentation will result in legal action, including monetary damages and injunctive relief for violations of my privacy rights. 
3. Perfection of My Ownership Interest in Consumer Goods Under UCC Article 9, a consumer perfects their ownership interest in consumer goods when they take possession, particularly in Purchase Money Security Interest ( PMSI ) transactions where the loan was used specifically to acquire the goods.

I am in possession and control of the goods in question and hold full ownership rights as the obligee of any consumer credit contract. Any claims to the contrary are invalid and unenforceable. Any attempts to wrongfully repossess, claim, or assign interest in these goods will be considered unlawful conversion and fraud, subjecting your company to legal liability. 
Final Warning This cease and desist serves as your final notice. Failure to comply will result in immediate legal action, including but not limited to : A formal complaint with regulatory agencies. 

Potential civil litigation for statutory and actual damages. 

A request for punitive damages due to willful and reckless disregard for my consumer rights. 
You are hereby instructed to respond in writing within XXXX  days of receipt of this notice, confirming your compliance. Failure to comply will result in immediate escalation. 
Sincerely, : XXXX XXXX XXXX : without recourse

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