Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Suspected Illegal Debt Collection Practices and Incomplete Documentation of Alleged debt I am filing this complaint regarding a debt collection lawsuit initiated by Navy Federal Credit Union, represented by XXXX XXXX XXXX XXXX concerning an alleged debt exceeding {$25000.00}. 
Details : In XX/XX/XXXX, I submitted an Answer/ Response with the Intent to Defend for the Motion to Summary Judgment- disputing the fact/ matter. The XXXX was vacated in XX/XX/XXXX. 
There has been one hearing in XX/XX/XXXX and multiple documents submitted to the court. Defending and also requesting further documentation. A continuance was denied, then granted to further dispute the matter. At the time of the hearing, Defendant felt somewhat coerced to enter into an agreement for repayment with the Plaintiffs attorney, despite previous submitted documents submitted the matter and verbally expressing such in the private meeting. 
On XX/XX/XXXX, I submitted a XXXX of XXXX XXXX to the Plaintiff, disputing the validity of the alleged debt due to suspected theft, misuse/ miscalculation and poor debt collection. 
The Plaintiff 's attorney acknowledged receipt and indicated that their client responded on XX/XX/XXXX. 
I contacted the Plaintiffs fraud department via mail and phone. During the call, I was informed that a case was opened on XX/XX/XXXX, and the investigation could take XXXX days or up to XXXX  days. 
As of today, I have not received any further documentation or communication regarding the investigation 's outcome- the Plaintiff and their representation requested for a Postponement/ Continuance, however it was denied. Yet, the XXXX was not withdrawn. 
I have only been provided with a partial application and a single account statement, which do not substantiate the debt claim, nor provide much information about this matter. 
I have made multiple follow-up attempts, including calls and emails to the Plaintiffs attorney XXXX with no substantive response with necessary and additional documentation. 
It was suggested by the judge to seek legal counsel. Also, if matters arent handled, then a XXXX  would potentially be granted. The next hearing is XX/XX/XXXX. However, due to timing, more time is needed to successfully secure and file an appearance. The XXXX has been contacted multiple times. Legal representation is still being sought after. It is also apparent that there is not enough time for the Plaintiff to complete their investigation and provide the Defendant, or whomever, further information before this hearing date. 
Concerns : The Plaintiff may be engaging in unfair debt collection practices by pursuing legal action without providing adequate validation of the debt, potentially violating the Fair Debt Collection Practices Act ( FDCPA ). 
The lack of transparency and failure to provide complete documentation hinder my ability to dispute the debt effectively. 
Resolution Sought : A thorough investigation into the Plaintiff 's debt collection practices.

Assistance in obtaining complete documentation validating the debt.

Ensuring that the Plaintiff complies with all applicable laws and regulations concerning debt collection and fraud investigations.

Denial/ Dismissal of the Motion for Summary Judgment and/ or XXXX withdrawn. Case dismissed. 
I can provide further documents upon request.

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