Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Date : XXXX XXXX - - Subject : Formal Legal Complaint against PenFed Credit Union. - To whom It May Concerns/PenFed : This is a formal legal complaint about PenFed or Pentagon Federal Credit Union bank. This Bank is accused of its discrimination, continuous retaliation and harassment toward its consumer ( member ) XXXX XXXX ( myself as the complainant in this legal complaint ). I believe that my Exercise Of certain rights asserted under the Consumer Financial Protection Act Of 2010 reform as amended in addition to other legitimate protected activities in which CFPB has authority and jurisdiction. 



Please note that PenFed response or non-response to this legal complaint will be use against PenFed at any time in a court of law without Waiving my rights. 

Factual Background : In many instances, some Representatives of Pentagon Federal Credit Union ( PenFed ) discriminated, harassed and/or retaliated against my person as their member ( member of this bank for more than 10 years approximately ). I reported those instances promptly to them. I complained to the Virginia attorney general office in the Consumers affair department about their violations against me but nothing seemed to deter them from their illegal behaviors .Indeed, They insisted and continued to violate many of my rights as their customer over and over. They participated with another bank and retaliated against me in violation of the Consumer Financial Protection Act Of 2010 reform as amended. They engaged in Fraud against me. They refused to close my deposit accounts despite my repeated requests over the phone at least. They falsified my banking records. They caused me severe financial harms and damages. All this time they were intensifying their retaliation and still. On XX/XX/XXXX XXXX they threatened my person directly and explicitly in a letter they sent to my home. That letter is attached to this formal legal complaint against them and Pentagon Federal Credit Union as their employer. They forced me to pay off a car loan I had with them. They forced me to closed out my checking account and another deposit account. They refused to close my deposit account ending in XXXX despite my repeated requests to close it. Even when I called again and requested to speak to a manager who also insisted to keep open against my will that deposit account ending in XXXX. They invaded my privacy. They breached terms and conditions. They exposed my personal information unlawfully. They violated terms and conditions of my PenFed credit account ending in XXXX. They used my PenFed credit account ending in XXXX to retaliate against me. They used my PenFed credit account ending in XXXX to create provocative issues to use them against my person at a later time it seemed and they have no excuse for their escalations but to coerce me unlawfully. They behaved criminally to cause me different harms. They engaged in prohibited activities against mg person in retaliation ... .etc Enough is Enough. Their lawless and defiance to my state and our federal law/s and/or banking regulations must be stopped immediately. Now I am complaining to the CFPB with jurisdiction and authority over this bank under charter # 227. I have many other evidences supportive to my case against PenFed. I reserve the right to sue this bank at any time without waiving my rights under any circumstances .all stated herein is subject to any correction or any change and at any time and only by my person or my legal representative and without waiving my rights. 
conclusion : -PenFed Can not deny by any convincing evidence/s the following facts : PenFed retaliates and/or discriminates and/or participates in both unlawful acts against my person continuously in violation of my consumer contract with this bank, the Consumer Financial Protection Act Of 2010, the Fair Credit Reporting Act, the Equal Credit Opportunity Act Of 1974 and/or other applicable Virginia state or Federal banking regulation/s and/or law/s. In my case too, PenFed also violated Pentagon Federal Credit Union Charter # 227 requirements within the CFPB.The contributing factors to PenFed continuous retaliation and harassment against me is my everyone of my rights as their member or customer who complained to this banks executives. I also complained to its representatives about their violations of my rights asserted by every applicable law and/or banking regulations referenced herein and/or other under the CFPB jurisdiction. 

- PenFed assumes the full liabilities and legal consequences from its fraud, discrimination, retaliation, falsification of my record and other fraudulent and/or unlawful acts this bank has committed against my person and for any new ones. This bank must be held accountable for what it did which was listed partially herein .this bank must stop its violations against my person immediately. 
/ Regards, XXXX XXXX XXXX XXXX.