Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am submitting this complaint regarding contradictory and misleading information provided to me by XXXX XXXX XXXX concerning an account ( XXXX ) they claim to be collecting from Navy Federal Credit Union for the amount of {$15000.00}. I also dispute the validity of this debt in its entirety. 

Details of the Issue : - XX/XX/XXXX : I contacted the company and was told the debt had been cancelled on their end. 
- XX/XX/XXXX : I requested documentation of the cancellation and was verbally assured by Account Manager XXXX that it would be sent to me, including a Form 1099-C. 
- XX/XX/XXXX : I called again because I had not received the documentation. At that time, I was told the debt was now reactivated, and the company began providing contradictory explanations. 

Interactions with Staff : - I spoke with an account manager named XXXX, who was extremely rude and unprofessional. 
- I then called back, made a complaint, and requested to speak to a supervisor. The representative said he would transfer me to his manager XXXX, but claimed their system had been lagging all day and could not complete the transfer. He promised to call me back after resetting the dial system, but never did. 
- I called again and spoke with another account manager named XXXX, who transferred me to his manager XXXX XXXX. 

XXXX XXXX  Statement : During this call, XXXX XXXX gave me the following explanation : > " they closed it on their end. Then XX/XX/XXXX XXXX XXXX returned it back to them and then XX/XX/XXXX they didnt do anything with the account because of the catastrophe that happened in Texas so they put a hold on it. Then notified about a debt settlement company and then XX/XX/XXXX, you called for a validation of debt. 

This statement was contradictory, confusing, and irrelevant. I did not live in Texas during those dates, so the reference to a catastrophe in Texas made no sense in relation to my account. 
Credit Report Evidence : Through my credit reports, this debt is shown as closed at the creditors request and also listed as charged off. This directly contradicts the collectors claim that the debt was reactivated.

Dispute of Debt as a Whole : Given the contradictory information, lack of proper documentation, unprofessional conduct, and inconsistent reporting, I dispute the validity of this debt in its entirety. I request that the CFPB require the company to provide clear, consistent, and legally sufficient validation or otherwise cease all collection and reporting activities related to this account. 

Requested Resolution : I request that the CFPB investigate this matter and require the company to : 1. Provide clear, consistent documentation of the debts current status.

2. Correct or remove any inaccurate reporting to the credit bureaus.

3. Cease misleading or contradictory communications regarding this account.

4. Address the unprofessional conduct of their staff.

5. Treat the debt as disputed in full until proper validation is provided.

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