Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Attorney XXXX XXXX XXXX ) and Navy Federal Credit Union re : Fraudulent Account Activity and Legal Violations To Whom It XXXX Concern : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX, specifically Attorney XXXX XXXX XXXX, and Navy Federal Credit Union, regarding improper attempts to collect on an account that has been identified as fraudulent. The alleged account, falsely tied to XXXX XXXX XXXX XXXX officially reported to the Federal Trade Commission XXXX FTC ) XXXX XX/XX/year>, under FTC Report XXXX : XXXX. 

Despite this report, both parties have continued efforts to pursue legal action and collections, including threats of litigation without having produced a valid, signed contract or other legally sufficient verification. These actions constitute serious violations of federal and state law, as detailed below : XXXX XXXX Violations 15 U.S.C. 1666 ( Fair Credit Billing Act ) Requires creditors to promptly investigate and correct billing errors, especially when fraud is reported. XXXX XXXX failed to properly investigate after FTC report submission. 

15 U.S.C. 1693 ( Electronic Fund Transfer Act ) Protects consumers from unauthorized electronic transactions. Continued debt collection on a fraudulent account violates these protections.

15 U.S.C. 1681 ( Fair Credit Reporting Act ) Prohibits inaccurate reporting of credit information. Reporting or attempting to collect on fraudulent debt is a violation of FCRA.

15 U.S.C. 1692 et seq. ( Fair Debt Collection Practices Act - FDCPA ) Includes multiple violations : 1692e Use of false, deceptive, or misleading representations.

1692f Unfair or unconscionable means to collect a debt.

1692g Failure to send proper debt validation notice.

1692g ( b ) Continuing collection efforts without proper verification after dispute.

18 U.S.C. 1028 ( Identity Theft and Fraud ) Involves criminal penalties for the use of false identity information. Any use of fraudulently created accounts violates this statute.

12 CFR 1006.34 ( Regulation F Debt Validation Notice ) Requires specific and clear information in debt validation notices. XXXX XXXX XXXX attempts to collect without compliance violate this regulation. 

Uniform Commercial Code ( XXXX ) Violations XXXX XXXX Signature requirement. 
No valid contract or agreement bearing XXXX XXXX ' XXXX has been produced, thus no legal obligation can be enforced. 

XXXX XXXX Person entitled to enforce an instrument. 
Without valid proof of ownership or authority, XXXX XXXX and its counsel can not enforce the debt. 

XXXX XXXX Holder in due course. 
Must act in good faith and without notice of fraud both of which are violated here. 

Georgia XXXX XXXX Violations ( O.C.G.A. ) O.C.G.A. XXXX ( XXXX XXXX ) Criminalizes willful use of anothers identity to obtain credit or services. Collecting on a fraudulent account fits this definition. 

O.C.G.A. XXXX ( XXXX XXXX Practices XXXX ) Prohibits deceptive practices in consumer transactions. Pursuing debt collection on a known fraudulent account violates this act. 

O.C.G.A. XXXX ( Prohibited XXXX XXXX Practices ) Georgia law forbids deceptive or abusive debt collection. Failure to validate the debt and continuing to pursue legal action is a clear violation. 

O.C.G.A. XXXX ( Essentials of a XXXX ) A contract requires mutual assent and a lawful, enforceable agreement. No such agreement has been provided in this case. 

Summary of Violations and XXXX Requested Failure to produce signed agreement or contract. 

Ignoring FTC Identity Theft Report # XXXX. 

Violations of multiple federal statutes, including FDCPA, FCRA, and XXXX. 

Violations of XXXX Articles XXXX, XXXX, XXXX. 

Violations of Georgia consumer protection and fraud statutes. 

Continued legal threats and collection efforts despite being on notice of fraud. 

I am requesting that the CFPB investigate this matter and take enforcement action against both XXXX XXXX XXXX XXXX XXXX and Navy Federal Credit Union. I also request that these parties cease all further collection activity immediately, dismiss all lawsuits, and be ordered to remove any negative credit reporting related to this fraudulent account. 

Please confirm receipt of this complaint and advise me on any next steps. 

Sincerely, XXXX XXXX

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