Consumer complaint received 2021-02-11
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I believe Fact, Affiant is aware and has proof in attachment labeled as exhibit A that NAVY FEDERAL CREDIT UNION violated 15 usc 1692 ( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number ofpersonaI bankruptcies, to marital instability, to the loss of jobs, and to invasions of individuaI privacy. I have been abused by NAVY FEDERAL CRED IT UNION by their debt collection practices & also they invaded my right to privacy has been invaded. 

I believe Fact, Affiant is aware and has proof in attachment labeled as exhibit C that NAVY FEDERAL CREDIT UNION use my credit card 15 use l 602 ( i ) The adjective " consumer '', used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. I entered into a consumer credit transaction with NAVY FEDE RA L CREDIT UNION on XX/XX/2020. 

I believe Fact, Affiant is aware and has proof in attachment labeled as exhibit C that NAVY FEDERAL CREDIT UNION violated 15 use I 602 ( p ) The term " unauthorized use, '' as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, imp li ed, or apparent authority for such use and from which the cardholder receives no benefit. I did authorize the use of my card but, I am not benefitting from the consumer credit transaction because NAVY FEDERAL CREDIT UNION attempting to collect on an alleged debt not owed by the cardholder, consumer, original creditor and natural person. 

I believe Fact, Affiant is aware and has proof in attachment labeled as exhibit B pursuant to 15 use 1611 ( 1 ) gives false or inaccurate information or fail s to provide information which he is requ ired to disclose under the provisions of this subchapter, or any regulation issued thereunder, NA VY FEDERAL CREDIT UNION has willfully and knowing used my credit card without me benefitting and continues to do so after receiving 1st affidavit around XX/XX/2020. 

Fact, Affiant is aware and ha s proof in attachment labeled as exhibit A & B that NAVY FEDEAL CREDIT UNION violated 15 use 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and. Logos and language used throughout the content sent to me. 

This is my 2nd affidavit of truth that has been served to Navy Federal Credit Union. I never received a reply back besides a note on my account stating " Your account information is being provided for informational purposes only. Providing you this information is not an attempt to collect a debt ''. That is very deceiving when their is a balance and being reported to credit reporting agencies. When pursuant to 15 USC 1692b ( 2 ) not state that such consumer owes any debt ; NAVY FEDERA.L CREDIT UNION stated and invoice me stating I owe a debt after using my credit card also reports it to credit reporting agencies shown in exhibit C.

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