Consumer complaint received 2023-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have a credit card with Navy Federal Credit Union. It was a card for XXXX. During the start of XXXX, my hours were cut down to XXXX hours per week. After 6 months my hours went back up to XXXX. In XXXX of XXXX, I left the company due to severe anxiety. 

Navy Federal Credit Union knows all of this. I even offered to give them check stubs and show them proof of unemployment. They refused the information. Even so, they could see the deposits because my money was deposited into the checking account I had with Navy. 

They did set up payment arrangements during some of this time. 

XX/XX/2022, I started a new job and my hours were XXXX which they consider full time. I took a pay decrease as well. But I needed to go back to work because I have an XXXX daughter who I have to spend hundreds of dollars on meds even after insurance. I also offered to show Navy proof of this, however they refused. I get repeated calls during the week and voicemails. I spoke with several people and it was also on their recored line offering help. Help was also on the voicemails. However, when I call, the fact is they said, there ere no help to offer. The have my monthly payments at over {$300.00} a month and it draws interest daily even though the card has been closed for over a year. 

And I was told, its on your credit and will keep damaging it until I pay the monthly fee they said to make. 

I informed Navy credit cards department, managers, supervisors and employees that I can not afford that monthly payment with my income, keeping up with my daughter XXXX meds, bills and mortgage. A XXXX told me that I could just pay what I can. 

However, the next week when I could not access my checking account. I was transferred to speak with the credit card department first and make arrangements before they would release my money in my checking account. Which was {$700.00}. This has been happening for months. The same thing. Lock me out from my money. 

When I informed them, a XXXX said, I can pay what I can because of my situation. The other XXXX said, that's incorrect and didn't bother to listen to the call from previous and said, there is nothing in the notes. 

For the past couple a week I been sending {$130.00} to the credit cards bi-wkly. Paying what I can. And Navy Federal Credit Union dept is still reporting my credit card account late every month. By law, if I pay something, it is not suppose to be reported late. 

I have also been to my doctor because my anxiety is back out of control due to the high levels of stress from this card and the communications with Navy Federal Credit Union. 

I have to now take medication from this. I have told Navy Federal Credit Union credit card department this and have cried on the phone many times. And they do not care. They just keep telling me, it will keep reporting negative until I pay the over {$300.00} a month they are asking. Also the balance is not going down at all. It just keeps going up. Even though the card has been closed over a year. 

At least I am making an effort, however they not even taking that into consideration.

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