Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Navy FCU has violated my consumer rights according to the FDCPA. 

Received a written settlement offer {$4200.00} which was sent to me on XX/XX/XXXX the letter is missing the key element of any contract which is the expiration or due by date. On XX/XX/XXXX I received a Federal income tax deposit of {$9900.00} they saw the amount and seized it from my personal checking account at XXXX XX/XX/XXXX. 

On XX/XX/XXXX @ XXXX : XXXX XXXX I called the number provided to me by Navy FCU to be connected to a Recovery unit/collection department. 

Made contact with a representative and advised her that they removed my income tax refund from my account. 

She responded yes we did, it was to recover a charged off credit card debt. 

Remind you they answered as Navy FCU not any 3rd party, so Im under the impression there is no collection department Im speaking with a rep from Navy Recovery. 

Absolutely no mention of any attempt to collect a debt on navy behalf just straight to the point we took the money because you owe us for a charged off amount. 

My reply so you guys monitored my account with full intentions on transferring out all of my refund to other which it reads on my statement, immediately upon deposit without notice. 

She said yes we have a clause in our contract that states we can collect any outstanding credit card or loans without notice. Livid and almost lost my soul that they snatched almost {$10000.00} from me, I cried my life away explaining to her that she can clearly see that I just got the letter and no previous attempts were being mailed to me trying to collect this debt that they charged off, its not even correct on my credit report. 

Navy FCU just sent me a a settlement notice on XX/XX/XXXX with no timeline or additional terms stating if I dont reply by expiration the offer can change or cancel. 

I said this is not the proper way to operate or conduct legal debt collection per the state of XXXX. 

She agreed to honor the settlement offer I received and credit the remainder back to my checking account however she did not want to honor the {$4200.00} that navy sent less than 30 days ago as in the settlement offer with no due by date. XXXX XXXX, misrepresented the amount by adding {$1000.00} more to the settlement offer. 

She immediately also recovered another account that had a small balance which settlement offer was written as {$640.00} She took increased the offer without notice or reason to {$790.00}. I asked why am I being charged extra she she said because she is rounding it up 50 % I said but thats not the written offer and you should honor whats in writing she said I dont have to give you the credit back so I just cried cause she was using my weakness to humiliate me so I just thanked her for doing it and advised that I feel like they just watched my account purposefully, all the other deposits were never touched before this large deposit. 

I asked to speak to a supervisor and was advised no one is available. XX/XX/XXXX at XXXX XXXX now they are trying to reverse the settlement offer and take the credited money back but I already transferred it out of the account. This is retaliation for reciting that she is in violation of FDCPA. This cant be legal. 

* Failed to disclose in the initial communication with the consumer that the debt collector is attempting to collect a debt and any information obtained can be used for that purpose.

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