Consumer complaint received 2022-03-01
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Sent a payment to Navy Federal XXXX XXXX on XXXX in the amount of {$15000.00} in accordance to XXXX XXXX, XXXX XXXX XXXX in the form of remittance, tendered or coupon payment. Navy Federal received the payment on XXXX at their address po box XXXX XXXX VA XXXX. 

Furthermore Navy Federal used my open ended credit plan in accordance to 16 C.F.R. 433.3 ( b ) ( 2 ) to furnish this account which furthermore proves they did not extend credit to me in regard to this alleged debt and account.

Pursuant 12 CFR 1026.13 - Billing error resolution I XXXX XXXX dispute and paid account number ending in XXXX in the amount of $ {$15000.00} have submitted correspondence to Navy Federal to rectify this matter and it has yet to be resolved. 

Please furnish documentary evidence in accord with 15 U.S. Code 44 of record of accounts where Navy Federal awarded me XXXX XXXX with any payment pertaining to this alleged debt. They did not the used my social security card to credit Pursuant 15 U.S. Code 1692e ( 2 ) false character, amount, or legal status of any debt.

Notice it is fact that I the affiant am aware that the false character of the amount of in debt is a violation of U.S Code 1692e ( 2 ) ( a ). XXXX has proof of this violation as Navy Federal allege I owe a debt, yet the account shows the billing in a positive amount. How can I pay into an account which is already positive?

This is in accordance to TILA Regulation Pursuant 18 U.S. Code 8 Obligation or other security of the United States Notice in fact that affiant is aware that all obligation of debt is the responsibility of the United States. 

Pursuant 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption. 31 U.S. Code 5103- Legal tender. 31 U.S. Code 3123 - Payment of obligations and interest on the public debt. 31 U.S. Code 5118 - Gold clauses and consent to sue, Public Law 73:10. HJR 192-1933. 

This account is credited and funded using my open end credit plan and all funds are to be credited in accordance to TILA Regulations and All UUC Codes and US Codes referenced in this complaint.

Pursuant 12 U.S. Code 5562 ( c ) ( 10 ) money audit trial production of document material Notice, it is fact affiant is aware the consumer has the right to request the money audit trail. I am requesting this documentary material in accordance with 12 U.S. Code 5562 ( c ) ( 10 ) to address this subject matter, without this documentary evidence there can be no validation of said debt. 

Pursuant 12 U.S. Code 1831n ( 2 ) ( A ) GAAP audit trial Accounting and Insurance Notice, it is fact affiant is aware the consumer has the right to request the GAAP audit trail in accordance with 12 U.S. Code 1831n ( 2 ) ( A ) and without this documentary evidence to properly address this subject matter there can be no validation of said debt. 

Pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) A contract which includes a waiver, condition, or limitation for a debtor to assert rights for claims or defense against a seller is void.

Notice it is fact in accordance with 16 C.F.R. 433.3 ( b ) ( 4 ) I the affiant has reason to believe and do so believe a contract can not and does not constitute as evidence or contain a negotiable instrument or contain any waiver, limitation, term, or condition which has the affect of limiting a consumer such as I XXXX XXXX the affiant any right to assert against any holder of a contract with any and all legally sufficient claims and defense which could be asserted against the seller of goods and services and in all subject matter pursuant 16 C.F.R. 433.3 ( b ) ( 4 ) said contract is unenforceable and void.

Please adjust this account to a zero balance, This also serves as demand to not close, suspended, terminate and or freeze my account in any manner. you have 5 days after receiving this correspondence to rectify the matter on this account. 

They said the account was sent up to management for them to review and correct the account it has yet to be done. I have contacted them severely times and uploaded correspondence to my online portal.

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