Product: Debt collection

**Subject : ** Complaint Against PenFed Credit Union for Violations of Consumer Protection Laws **Description of Complaint : ** I am submitting this complaint to report PenFed Credit Union 's egregious violations of my rights under federal consumer protection laws. Below, I provide a detailed account of their actions : 1. **Failure to Respond to Debt Validation Request** - On XX/XX/year>, I sent PenFed Credit Union a debt validation letter via **certified mail**, requesting validation of an alleged debt. 
- I have confirmation of delivery ; however, to date, they have failed to provide any validation or proof of the debt. This is a violation of the **Fair Debt Collection Practices Act ( FDCPA ) **, which requires creditors or debt collectors to validate debts upon written request.

2. **Unauthorized Disclosure of Private Information** - I sent PenFed Credit Union a written notice explicitly prohibiting them from furnishing my personal information to third parties. Despite this, PenFed has continued to disclose or misuse my private information. This is a potential violation of the **Fair Credit Reporting Act ( FCRA ) ** and the **Gramm-Leach-Bliley Act ( GLBA ) **.

3. **Unlawful Attempt to Locate Me via Third Parties** - PenFed Credit Union sent a tow truck operator to the address of my tenant, located at [ tenant 's address ], in an attempt to locate me. 
- The tow truck operator questioned my tenant about my place of work and whereabouts. This constitutes harassment and a direct violation of the FDCPAs restrictions on contacting third parties about alleged debts. 
- My tenant has video and security camera footage documenting this incident.

4. **Account Closure and Harassment** - PenFed Credit Union unilaterally closed an account they associated with me, further engaging in harassing behavior. 
- I do not acknowledge any obligations as legitimate and would prefer not to hear from PenFed Credit Union again unless it is within a legal court proceeding. 

5. **Harassment and Invasion of Privacy** - These actionsespecially contacting unrelated third parties at their private residenceare highly intrusive and have caused undue stress to both myself and my tenant. 

**Relief Sought : ** I request that the CFPB investigate PenFed Credit Unions actions and hold them accountable for the following : - Failing to respond to my debt validation request sent via certified mail on XX/XX/year>. 
- Violating my privacy by disclosing my information to third parties without authorization. 
- Harassing me and my tenant in violation of the FDCPA. 

Additionally, I seek : - Immediate cessation of all unlawful and harassing activities by PenFed Credit Union. 
- Confirmation that PenFed Credit Union will no longer attempt to contact me or third parties about this matter unless through legal proceedings. 

**Supporting Documentation : ** I am prepared to provide the following evidence upon request : - A copy of my debt validation letter sent via certified mail on XX/XX/year>, along with proof of delivery. 
- A copy of my notice requesting that PenFed not share my information with third parties. 
- Video recordings and security footage of the tow truck operators visit to my tenants address.

- Written statements from my tenant detailing the interaction with the tow truck operator.

**Conclusion : ** PenFed Credit Unions actions are unacceptable and clearly violate my rights under federal consumer protection laws. I respectfully request the CFPB to investigate this matter and enforce the appropriate remedies. 

Thank you for your attention to this urgent complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX