Consumer complaint received 2026-03-19 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: GA

Complaint narrative:
Subject : Formal Credit Card Complaint! XXXX XXXX XXXX XX/XX/year> " Official Complaint for Unethical Harassing Collection Debtor Practices '' To : Navy Federal Credit Union XXXX XXXX XXXX. XXXX, VA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX have copied Consumer Financial Protection Bureau ( CFPB ). I called Navy Federal Credit Union Bank at XXXX during the end of XXXX XXXX and early XX/XX/year> regarding account # XXXX and asked for credit card services regarding my balance and let them know that I've changed my due date to the XXXX of each month from the XXXX of each month due to recent hardship and wanted to know what my options with possibly paying late for Navy Federal Credit Union credit card account in which I've had my accounts for many years and never missed a credit card payment. I explained to the representative XXXX I had a received a hardship and I have always paid my credit card payment on time. The representative name was XXXX out of Florida from the beginning of the call he was extremely rude as if I was a problem and bothering him, I asked several questions regarding my credit card account to get clarity of the possible late payment concern he stated I was interrupting him and because I asked questions wanted to get clarity of what is need to possibly pay late. XXXX stated he could not help me and threaten to end the call stating I was interrupting him within the call only because clarity was needed for me to understand before moving forward. XXXX threaten to immediately end the call. Also, the Federal Debt Collection Practices Act ( FDCPA ). This statute protects consumer who owe money to creditors from the unfair, abusive, deceptive, and unwarranted harassing behavior of debt collectors. There are certain steps debt collectors must take before they can make a decision to act as a debt from a consumer rights rules must be followed as a debtor and protecting a consumer for illegal unethical practices reports a debt to a credit reporting company. Debtors must do the following before making a decision and making threats to take over my other accounts nor illegally threaten me a debtor and automatically put me in collections for such a issue as this one. I have also received a number of phone calls and text messages surrounding the debt owed as this is illegal. XXXX could not make a decision about nor speak to me about a debt collection account at all especially during this call it is unethical and in complete violation. Debt Collectors have until 14 days by telephone or in person about the debt Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time and must comply with debts collection rule and regulations to protect the consumer rights reporting companies that are meeting their obligations under the Fair Debt Act which allows me to file a complaint due to unfair illegal practices as a debtor and report illegal Debt Collection Practices Act ( FDCPA ) I do not recognize debt collectors at all and especially ones the act in unethical and illegal practices manor such as by Navy Federal Credit Union Bank has acted during this phone call acting a debt collector and violating my consumer rights with illegally harassing practices and unethical tactics for money owed on a credit card account which is in good standing due to there error remember the due date changed to the XXXX of the month and the rep stated he no record of the changes on the credit card account within the one phone call which violates my consumer rights. XXXX continuously stated your account is now in collections and we will go after you other accounts to withdraw money out from you saving and or checking to collect the money owed on your credit card account since you are now in collections. I was automatically put in duress unlawful conduct or a threat of unlawful conduct of such a character as to destroy the other my free will and judgment stress with the level of rudeness and the illegal practice of debt collection threat which cause serious duress. This party threatens without proper grounds this is a legal violation of my consumer rights under actions which is an illegal practice and violate my consumer right. XXXX then threated to end the call because I asked questions about debt collection and disagreed with the representative outcome. Under the federal Fair Debt Collection Practices Act XXXX and Navy Federal Credit Union has to follow all rules and meet consumer rights fairly and must follow all rules before acting a debt collector and improperly violating my consumer rights with illegal harassing unethical practices within one specific phone call. Which the account was still active and in good standing until the XXXX which the date had already been changed from XXXX to XXXX of each month. For a consumer resolve I am requesting Navy Federal Bank to resolve this matter by removing the balance owed around XXXX to the credit card as debt to be paid in full and deleting all inaccurate late charges on the account to resolve this legal matter due to the constant unethical illegal practices of harassment from a debt collector with the phone call that was provided to me as the consumer. Lastly, to avoid potential legal action against Navy Federal Credit Union Bank the consumer may seek punitive, financial damages, including but not limited to additional damages, legal services, court cost, late charges, and accrued interest. Thanks for your cooperation with this legal matter and coming to a resolution to resolve immediately.

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