Consumer complaint received 2026-01-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Navy Federal Credit Union Attn : Furnisher Compliance / Disputes XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXCOVER LETTER AFFIDAVIT OF LOST, DESTROYED, OR STOLEN INSTRUMENT MailingReady Navy Federal / CRA / Collector / Data Broker Navy Federal Credit Union Attn : Furnisher Compliance / Disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : ___________________ To : [ Entity Name ] Attn : Disputes/ Compliance [ Entity Address ] Subject : Affidavit of Lost, Destroyed, or Stolen Instrument Request for Verification and Documentation To Whom It May Concern : CFPB Complaint Narrative Navy Federal / Lost, Destroyed, or Stolen Instrument I am disputing an alleged Navy Federal Credit Union account that is being reported and/or collected without verified documentation. I requested validation and verification from Navy Federal and submitted an Affidavit of Lost, Destroyed, or Stolen Instrument because I do not possess, nor have I ever received, any original instrument, contract, or signed agreement establishing this alleged debt.

Navy Federal has not provided : A verified copy of the original instrument Chain of custody or transfer history Proof of entitlement to enforce Certified records supporting the alleged account A lawful basis for furnishing or continued reporting Without these materials, the existence, ownership, and enforceability of the alleged instrument can not be confirmed. Despite this, Navy Federal continues to furnish information to consumer reporting agencies and/or permit collection activity. 

This creates inaccurate, unverified reporting and violates federal and state consumerprotection laws requiring accuracy, verification, and proper documentation before furnishing or collecting.

I am requesting that Navy Federal : Provide full verification and authenticated documentation of the alleged instrument ; or Delete all related reporting and cease any collection or adverse action if verification can not be produced. 

I have included my affidavit and supporting documents in my administrative record and request that the CFPB review Navy Federals failure to verify the alleged account.I am submitting the enclosed Affidavit of Lost, Destroyed, or Stolen Instrument regarding the alleged account identified as : Creditor / Furnisher : XXXX XXXX XXXX Alleged Account Number : XXXX This affidavit is provided as part of my formal dispute and verification request. I do not possess the original instrument, have never transferred or endorsed it, and can not confirm its existence. Therefore, any entity asserting rights, ownership, or enforceability must provide verified, authenticated documentation establishing : The existence of the original instrument Chain of custody Entitlement to enforce Certified copies of all relevant records A lawful basis for continued reporting, furnishing, collection, or retention This affidavit is submitted as Exhibit A in my administrative record. 
Please complete your verification and provide all requested documentation within ten ( 10 ) calendar days of receipt. If you can not verify the alleged instrument or its enforceability, you must correct or delete all related reporting and cease any further action. 
Thank you for your prompt attention. 
Respectfully, [ Your Name ] Signature : XXXX XXXX XXXX Enclosure : Affidavit of Lost, Destroyed, or Stolen Instrument I reserve all rights under federal and state law, including but not limited to the XXXX  Privacy Act, CCPA/CPRA, GLBA, and any other applicable privacy or consumerprotection statutes. 
Nothing in this Notice shall be construed as a waiver of any rights, remedies, or claims.

7. Reservation of Rights I reserve all rights under federal and state law, including but not limited to the Fair Credit Reporting Act, the GrammLeachBliley Act, the XXXX  Privacy Act, the XXXX  XXXX XXXX XXXX, and any other applicable privacy or consumerprotection statutes. 
Nothing in this Notice shall be construed as a waiver of any rights, remedies, or claims.

Respectfully, this notice is issued without waiver of rights under UCC 1308.

Sincerely,

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