Date Received: 2017-05-23T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Recently, I was sent an invitation to join Navy Federal Credit Union. I applied online, and then received an email requesting additional identification documents with a link to upload them. I received a confirmation email saying that I would receive notification of my membership with in 10 business days. Three we eks later after not hearing anything, I called the phone number listed in the email. I was told there was a flag on my account. I was transferred to some department where a lady named XXXX informed me that I owe {$600.00} t o NFCU f rom XXXX . I told her I was a member a long time ago, but do n’t recall when. She told me that I joined in XXXX , which I vaguely remember ; but I told her that I do n’t remember when I last used my account. Since XXXX , I have filed for bankruptcy in XXXX , repaired my credit, paid ALL debts, and successfully qualified for a home loan. I explained that to XXXX , and asked why this debt was never reported to any collection agency or credit bureau. I also asked why a formal invitation had sent to me, if this alleged debt is blocking my joining. She mumbled something about records being purged. At that point, I told her that I had no knowledge of the debt other than her word, and informed her that I no longer have any interest in doing business with NFCU. This was a complete disservice, as I was required to submit some very sensitive information. It feels like a phishing scam.


State/Zip: CA 921XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2491593

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