Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against XXXX XXXX XXXX XXXX for FDCPA and FCRA Violations Unlawful Vehicle Repossession To Whom It May Concern : I am submitting this formal complaint against XXXX XXXX XXXX XXXX and its affiliate XXXX XXXX XXXX XXXX for willful and repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as well as for engaging in unlawful repossession, extortionate collection tactics, misrepresentation of lienholder status, and ignoring a formal cease and desist order. 
Summary of Violations and Supporting Facts : On XX/XX/XXXX, my XXXX XXXX XXXX ( VIN : XXXX ) was unlawfully repossessed by XXXX XXXX XXXX, acting on behalf of XXXX XXXX XXXX XXXX, which falsely claimed to be the lienholder. 
Official XXXX Secretary of State records, dated XX/XX/XXXX, confirm that Navy Federal Credit Union was and remains the only valid lienholder. No transfer of lien or legal assignment to XXXX was ever filed or disclosed. 
I issued XXXX cease-and-desist letters to XXXX under XXXX XXXX. XXXX ( c ), lawfully demanding debt validation and proof of authority. Instead of responding appropriately, XXXX violated the order by sending vague, unreadable, and unresponsive documents that failed to meet any federal standard of debt validation. 
This behavior is in direct violation of XXXX XXXX. XXXX ( b ) and XXXX, constituting continued collection efforts based on fraudulent misrepresentations. 
Resurgent is also in violation of XXXX XXXX. XXXX ( extortionate collection ) and XXXX XXXX. XXXX ( identity theft ), having falsely claimed lienholder status to gain control of my property. 
A formal complaint was documented with the XXXX XXXX Police Department in Report # XXXX, in which Officer XXXX ( XXXX # XXXX ) confirmed that XXXX XXXX XXXX the legitimate lienholder. The officer advised me to take immediate legal and regulatory action. 
A second police report is currently being processed to document Resurgents ongoing violations and retaliatory actions after being placed on legal notice. 
XXXX has further harmed me by misreporting this alleged debt to consumer reporting agencies as a $ XXXX charge-off, violating the FCRAs prohibition against furnishing knowingly inaccurate information ( XXXX XXXX. XXXX ( a ) ). 

Relief Requested : I respectfully request that the CFPB : Open a formal investigation into Resurgent Capitals unlawful repossession and debt reporting activities. 
Impose civil penalties and compel XXXX to : Remove all false credit entries from my consumer file ; Cease all collections and communications ; Provide complete documentation of lienholder assignment or legal authorityor formally admit none exists ; Return my vehicle to my lawful possession. 

Refer this matter to the Department of Justice or appropriate law enforcement agency for potential criminal prosecution under XXXX XXXX. XXXX and XXXX. 
Attached are : My sworn Affidavit of Truth, Police Report # XXXX, The XXXX Secretary of State title inquiry, Defective documents sent by Resurgent after my cease-and-desist, All related correspondence.

Please treat this matter as urgent, given the unlawful seizure of my property, continued violations, and damage to my credit standing. 

Sincerely, XXXX XXXX

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