Consumer complaint received 2025-06-10 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: TN

Complaint narrative:
( Name incorporated and protected by the XXXX XXXX XXXX XXXXXXXX ) To Whom It May Concern : I am filing this complaint against XXXX. XXXX XXXX XXXX XXXX XXXX, a third-party debt collection agency, for multiple violations of federal law, including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and violations of my rights to privacy and protection of my personal/trade name. 
Summary of Complaint : I received a letter from XXXX. XXXX stating that they had attempted to collect on an alleged debt originally held by Navy Federal Credit Union. They acknowledged in the letter that : They never sent a validation notice, citing that our office has never spoken to you and therefore a validation notice was not required. 
They had my private account information, despite me never authorizing or consenting ( verbally or in writing ) to any third-party assignment or transfer of this alleged debt. 
They admitted the account has now been closed and returned to Navy Federal Credit Union. 
Despite the account being closed, the initial communication already constitutes numerous legal violations and unauthorized use of my protected name. 
Violations Identified : Failure to Send Validation Notice Violation of 15 U.S.C. 1692g ( a ) They failed to send a legally required validation notice within five days of their first communication.

Unauthorized Access to Personal Information Violation of 15 U.S.C. 1692c ( b ) My personal information was used by XXXX. XXXX without consent, and there is no signed contract or authorization allowing access to or transfer of the debt. 
Failure to Notify of Assignment/Sale of Debt Violation of FDCPA and TILA 1641 ( g ) I was never notified in writing of the assignment or sale of the debt from Navy Federal Credit Union XXXX 
Deceptive and Threatening Collection Communication Violation of 15 U.S.C. 1692e ( 5 ), 1692e ( 10 ) The letter implied a right to collect and used threatening language without first providing proper documentation or debt validation.

Continued Collection Activity Despite Dispute Violation of 15 U.S.C. 1692g ( b ) I had previously disputed the account, yet XXXX. XXXX communicated with me without having validated the debt. 
Unauthorized Commercial Use of Protected Name Violation of 17 U.S.C. 501 and 15 U.S.C. 1125 The name XXXX XXXX XXXX is copyrighted and owned by the XXXX XXXX XXXX XXXX. Any commercial use of this name without consent is a federal violation. 
Relief Sought : Under the FDCPA, each violation carries up to a {$1000.00} statutory fine. I am seeking : {$7000.00} in statutory damages for the XXXX violations listed above. 
A formal investigation and enforcement action against XXXX. XXXX XXXX XXXX for unlawful collection practices. 
A written apology and assurance that my information will be permanently deleted from their systems. 
Referral of this matter to the FTC and other appropriate regulatory authorities. 
Attachments ( if applicable ) : A copy of the letter from XXXX. XXXX This written complaint Documentation showing the name/trust registration ( if needed ) Thank you for reviewing my complaint and taking appropriate action against this agency. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX All Rights Reserved

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