Consumer complaint received 2023-03-28
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
NFCU Stealing Private Property 
I was conducting business with NFCU how  does an nonaffiliated third party come into this Consumer Credit Transaction without my authorized consent.
* Violation of Consumer Law Rights
* Violations on Consumer causing Civil & Criminal damages/Liabilities
* Consumer-Goods Transactions 
* Consumer Credit Transactions 
* Violations of my God Given Rights 
* Guilty by association ( Nonaffiliated third party invited by NFCU to Steal my Privately Owned Property ) 
* Invading Peace & Dignity 
* Shared information improperly 
* Alleged debt
* Coerced debt 
* Fictitious Debt  
* Give Thanks to NFCU continuously displaying the Fraudulent by Nature activity that I documented, Proving my Cases & Statements to stand true. 
* Fraudulent misrepresentation 
* No Respect for the Consumer
* No Respect for Law 
* No lawful consideration 
* No signature from NFCU (Wet ink) or at all
* No verifiable Risk by NFCU
* Displaying willful noncompliance on all Spectrums. 
* Ultra vires 
* Conducting outside of lawful mandate 
* Privacy breach 
* Giving information to nonaffiliated third party non authorized 
* Private Property stolen & robbed on another persons property
* Robbery of my Privately Owned Property on someone elses property
* 18 U.S. Code  1961 - Definitions (1) racketeering activity means (A) any act or threat involving murder, kidnapping, gambling, arson, robbery, bribery, extortion, dealing in obscene matter. Section 1951 (relating to interference with commerce, robbery, or extortion), Section 1341 (relating to mail fraud), Section 1344 (relating to financial institution fraud), section 1503 (relating to obstruction of justice), section 1510 (relating to obstruction of criminal investigations)
*  9-625. REMEDIES FOR SECURED PARTYS FAILURE TO COMPLY WITH ARTICLE. (a) [Judicial orders concerning noncompliance.] If it is established that a secured party is not proceeding in accordance with this article, a court may order or restrain collection, enforcement, or disposition of collateral on appropriate terms and conditions.
* UCC Filling Secured Party Creditor 
* UCC Filling on Collateral 
* NFCU is the Debtor 
* NFCU is the trustee, I AM The Beneficiary. 
* Repossession doesnt exist , Hypothecation does.
* 15 U.S. Code  1692f (1) - Unfair practices 
* Full accounting was asked for but of course never received. Lets see where the source of this Consumer-Goods Transactions Stem from since NFCU claims to be the source of credit, they false claim provided I, The Original Creditor with.  Well thats a fraudulent lie, Banks cant loan there own stocks pursuant to 12 U.S. Code  83 - Loans by bank on its own stock 
* Sarbanes-Oxley Act SOX - Protection from corporate accounting fraud by improving financial reporting & auditing standards.  Doesnt quite seem to exist in this Consumer Credit Transaction. 
* TILA- Truth in Lending Act,  In addition to providing a uniform system for disclosures, the act: Protects consumers against inaccurate and unfair credit billing and credit card practices & Provides Consumers with Rescission Rights. 
* Private Property Stolen XXXX.
* Private Property Stolen after 14days of CEASE & DESIST NOTICE. 
* Retaliation tactics , Intimidation tactics being displayed 
* I have not received my Right to rescission from NFCU nor was told I have that right in initial communications (1st ever communications) with NFCU. 
* NFCU hasnt informed me of any of my Rights I can execute at any time, once aware or alive to.
* In reality my signature manifests the currency & applications submitted to retrieve my credit that majority of people get adverse action against including I or simply discrimination pursuant to 18 U.S. Code  242 - Deprivation of rights under color of law, not allowing people of the land to receive there own line of credit thats available but only shows in the private side of business that 99% doesnt have access to. Held in a Private Trust Account established by the U.S called multiplie names but one is Mutual Credit Exemption Exchange. 
* Failed every duration to prove or provide validation of debt pursuant to 15 U.S. Code  1692g.
* Sending promissory note & billing statements that Ive already marked up & sited with violations aside with written explanations for your information to Grasp the knowledge somewhat, making it easier for reader to innerstand. 
* NFCU sent back all my violations with a note on it that states FAKE , violations consisted of all Billing statements I received, mail & promissory note. 
* NFCU has neglected the Civil & Criminal liabilities, damages I have charged them for. 
* Notice of Criminal & Civil damages/Liabilities delivered XXXX XXXX XXXX. 
* Identify Theft; assuming many vital roles in assembling and evaluating consumer credit and other information on consumers. 
* Identity theft false claiming to be the Original Creditor , Beneficiary 
* I have not given consent to my identity being used against I, to withhold my rights against I, The Consumer & More.
* I did not give NFCU consent to Assume my Roles as Original Creditor, Beneficiary etc
* 12 CFR  1026.23 - Right of rescission & 15 U.S. Code  1635 Right of rescission ; Security interest was canceled XXXX XXXX, demand for compensation returning all funds spent towards payments/Bills & also Refund of Amount Financed which was XXXX  in Consumer-Goods Transactions/ Consumer Credit Transaction. 
* Cash to applicant was/is XXXX  = Amount Financed XXXX
* My Car is Private Property of I, The Consumer, that was not default or defaulted 
* There has no longer been a contract with NFCU & I pertaining to Auto loan since October 31, 2022 as I rescinded with Notice. 
* My Private Property is not an collateral in any contract.
* My Private Property is not in contract with NFCU or other commercial business. 
* 15 U.S.C 1692e - False or misleading representation 
* 31 U.S.C 3729 - False claims 
* 15 U.S.C 1692f - Unfair practices 
* 18 U.S. Code  241- Conspiracy against Rights 
* UCC 9-609 - Secured party right to take possession after default. NFCU Not Secured party but executing as if is. 
* UCC 9-610- Disposition of collateral after default. There is no collateral & the Private Property is owned by Consumer not defaulted. 
* 9-610. DISPOSITION OF COLLATERAL AFTER DEFAULT (b) [Commercially reasonable disposition.] ; Private Property is not commercially owned, Privately Owned Private Property. 
* UCC 9-611 Notices of disposition; No reasonable authenticated notifications before or after disposition .
* A default is a failure to fulfill an obligation. What obligation was there for me to fulfill in a canceled contract, none. 
* Payment NFCU is asking for is obligations of the U.S pursuant to 18 U.S. Code  8 - Obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value.
* I refuse to pay in FRNs that are optional, I have the right to reserve or not use any of my FRNS as payment
* There is no default in this Consumer Credit Transaction or Consumer-Goods Transactions.
* No such thing as defaulting in a rescinded contract. 
* 33 U.S. Code  931 - Penalty for misrepresentation
* 15 U.S. Code  1692k , 15 U.S. Code  1640 - Civil liabilities 
* 15 U.S. Code  1611 - Criminal Liability for willful and knowing violation & 15 U.S. Code  1693n- Criminal liability  
* Criminal Charges 
* My Private Property is not an Commercial Vehicle ; Privately Owned Property unencumbered 
* NFCU has willful noncompliance towards My Exercising of Consumer Rights with Consumer Laws & UCCs.
* I Am the Secured Party Creditor; NFCU Is not the secured party creditor, False representation claiming my position.
* NFCU did not disclosure to I, the Consumer, who NFCU were giving my personal information to, nonaffiliated third party .
* NFCU has not given me any written explanation of no disclosure rights.
* NFCU did not give I, the Consumer an opportunity to not have personal information not disclosed.
* Nonaffiliated third party came onto someone elses Private property to Steal my Private Property.
* NFCU has failed to give me any written notices for anything pertaining to the Stolen Private Property of my Car or nonaffiliated third party. 
* After alerting NFCU that I am aware of the Stolen Private Property on XXXX XXXX , 3 days later on XXXX I was delivered the promissory note & the Billing statements for This Year of XXXX. Not anything more or less same old papers thats automated with the same old verbiage. 
* NFCU constantly coercing I for payments although I have proved them unlawful & not properly responding in a lawful manner to demands or to whatever needs lawful consideration & attention in a prompt manner. 
* NFCU has failed to respect disclosure of Personal information, Giving it to an nonaffiliated third party.
* 9-610. DISPOSITION OF COLLATERAL AFTER DEFAULT (b) [Commercially reasonable disposition.] ; Private Property is not commercially owned, Privately Owned Private Property. 
* NFCU has failed to give me lawful proper documentation, disclosures of the giving of my information to a nonaffiliated third party; I did not consent to. 
* NFCU has failed to give any lawful disclosures/Notices pertaining to the Stealing of my Private Property.
* NFCU has given my personal information to an nonaffiliated 3rd party I didnt consent to or know.
* NFCU has given my personal information to an nonaffiliated 3rd party I was never in contract or communications with or never even seen. 
* I havent seen or meet the nonaffiliated third party (Not that I want to meet them) , towing company or persons who came to address & stole my Private Property on behalf of NFCU orders.
* I was not alerted by nonaffiliated 3rd party, repossession company or persons who came to the address to steal the private property off someone elses property thats not mines.
* NFCU & nonaffiliated third party working together towards the stealing my Private Property on someone elses private property is conspiracy against Consumer Rights pursuant to 18 U.S. Code  241 - Conspiracy against rights.
* Documentations Ive sent to State of Florida declaring Right to Travel Unencumbered, in my Affidavit of Truth & Affidavits that wasnt rebuttal Ive asked specific questions pertaining to how is my Private Property commercially owned. No Rebuttals or any requests & demands I had came back to light. No replies at all. 
* NFCU has received many Affidavits of Truth & Affidavits , that they failed to rebuttal. 
* Unrebutted Affidavits Stands As Truth.
* NFCU tactfully retaliated because I put NFCU on Cease & Desist date of XXXX XXXX  14days after CEASE & DESIST they stole Private Property they dont have any rights
* NFCU conspired to take my Private Property on many occasions , whats experience from Gang Stalking & other forms of intimidation , oppression & Harassment.
* I was Homeless & happen to be at a family house. How did NFCU know my precise location to take & move in on the Private Property inside a GATED Community that has been parked there since XXXX XXXX XXXX; parked till NFCU Stole it XXXX  
* 4 days of somehow knowing my Car is Parked @ an family house means someone was watching or car was being tracked as there are tracking devices on these upgraded car models nowadays or specific cars owned by a specific persons. (GPS Tracking devices etc) 
* Tomorrow XXXX I will be picking up all my Private items inside of my Private Property 
* Picking up my own Private items inside my Private Property after it has been stolen from I is costing me XXXX. 
* Under constructive fraud its considered lawful & not Extortion.
* Whole Consumer-Goods Transactions/ Consumer Credit Transaction found & deemed unlawful with no lawful Consideration violation many Consumer Law Rights. 
*  NFCU has been informed of their Criminal, Civil Liabilities & Damages. 
* All my demands & Requests has not been fulfilled yet CFPB is allowing NFCU & all other complaints pertaining to NFCU issues to be closed without truly or actually being Resolved with Remedies Given to the Damaged party, I the Consumer of this Consumer Credit Transaction/ Consumer Credit Transaction that has been unlawful. 
* CFPB Not making sure companies actually resolve issues without closing the case as if it is resolved. 
* Since XXXX complaints have been sent on NFCU 
* Cases being closed with No resolution & Remedies being satisfied  or the issue addressed not being solved In Consumer Favor in a lawful manner to compensate for damages or Civil & Criminal liabilities.
* "Actual damages include damages for personal humiliation, embarrassment, mental anguish and emotional distress...It includes all highly unpleasant mental reactions such as fright or grief, shame, humiliation, embarrassment, anger, chagrin, disappointment, Worry and nausea." XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
* Other categories include loss of credit opportunity. XXXX XXXX XXXX XXXX XXXX, 617 F.3d 688, 719-20 (3d Cir. 2010). Plaintiffs can recover damages for credit defamation. XXXX XXXX XXXX XXXX, 257 F.3d 409, 418-19 (4th Cir. 2001). Economic or financial loss is also recoverable. XXXX XXXX XXXX XXXX, 45 F. 3d 1329, 1333 (9th Cir. 1995).
* Recently published cases show that courts are willing to assess damages to fully compensate victims of false credit reporting. In XXXX XXXX XXXX XXXX XXXX XXXX, 486 F. 3d 150 (6th Cir. 2007), the court upheld a jury award of $400,000 for compensatory damages in a case that involved attempts to resolve reporting inaccuracies and repeated denials of credit. In XXXX XXXX XXXX XXXX XXXX, 795 F. Supp.2d 1255 (N.D. Ala. 2011) the court upheld awards of $100,000 in compensatory damages and XXXX in punitive damages for a case involving wrongful credit reporting by a collection agency. Similarly, in the case of XXXX XXXX XXXX XXXX XXXX, 510 F.3d 495 (4th Cir. 2007) the Fourth Circuit approved an award of emotional distress damages of XXXX for credit reporting.

Bottom half is some description based on a conversation via phone with XXXX  From Repossession Department  XXXX XXXX  from Repossession Department 
XXXX  did not want to give employee #

* I told XXXX   I didnt receive any notice of disposition  he insisted I did and was so sure to claim I did. 
* I further insisted how is he going to tell me that without knowing its a fact, he shall not make False claims.
* As well as claiming it was lawful for what NFCU did to my Private Vehicle just because it claims I am late for payment. Calling it an repossession but in reality my Private Property was stolen on someone elses property.
* Employee further goes afterwards  Well you do have NFCU on cease & Desist after I firmly told him again I did not receive anything pertaining to my stolen vehicle.
* How was XXXX  so sure I received Notices then quickly changes to the fact that my CEASE & DESIST was the reason I wasnt notified. 
* Further shows all documentation being sent out since XXXX XXXX XXXX like Right to rescind etc has always been neglected , not investigated throughly completely & didnt get proper acknowledgment for exactly what it stands for. If it did NFCU wouldnt continuously be coercing me for payment of any thing or better yet not Steal my Private property & deem it as lawful. Not being the secured party creditor or owner of the Private Vehicle, I removing there security interest NFCU has no claims on my Private Property at all since XXXX XXXX. 
* What gave NFCU the right to neglect my CEASE & DESIST, ignoring the redemption/Remedies on the bottom of document but abiding by my requests only to not communicate with I the Consumer unless your updating me about the remedies I demand & all I requested is completed. 
* NFCU has made an excuse to not communicate with me for my remedies but insist take things in there own Criminal unlawful manner & Steal my Private property as retaliation of ALL Disputes, Last Dispute is Cease & Desist with Remedies I am seeking if I am to be contact. 
* I did not state to NFCU to completely not contact me without leaving an exclusion for reasons to call or update I. 
* The cease & Desist said to not contact me anymore unless they have my remedies. Not to make excuses of why I didnt get Lawful Notifications. 
* The fact that the employee is aware of my CEASE & DESIST, trying to use that as an excuse to why I didnt receive notification after false claiming I did is fraudulent.
* Im aware of how NFCU is making I the consumer call an non-affiliated third party they worked with to steal my private property to asking for the location of it, instead of NFCU who ordered the Stealing of my private property telling me exactly where my car is. 
* NFCU protecting repossession department that they are affiliated with before the Rights & Laws of the Consumers, I. 
* Gave NFCU a chance to resolve matters & NFCU took it upon there own faith to Oppress, harass Continuously commit Criminal & Civil damages + Liabilities. 
* Told NFCU specifically unless it is to resolve the matters how l insisted or updating the status of the updated Accounts as for the specific Remedy's I am seeking and demanded tor Civil violations & unlawful Consumer Credit Transactions.
* There was no excuses for NFCU to STEAL my Private Property & it is unlawful by all means. 
* Instead of Giving my Remedies demanded & Respecting my space, NFCU stole my Private Property after they can no longer oppress & Harass me on the phone for false misrepresentation of amounts pursuant to 15 U.S. Code  1692e(2)(A) 

CEASE & DESIST DELIVERED XXXX
CEASE & DESIST STATED AT THE END ; Thereby grant your company the opportunity to amicably resolve the matter by way of doing the following:
1. Deletion from all consumer reports (Derogatory Accounts, Unauthorized, All pulls soft or hard pulls,
Negative Accounts)
   2.  Clear away any alleged balance owed
3. Refund all the payments that was made on this account
4. Zero out the balance on this account

CEASE & DESIST STATED AT THE END; I HEREBY DEMAND THAT YOU CEASE AND DESIST, ALL mediums of communication, unless it is to Resolve the matter how l insisted or updating the status of the updated Accounts as for the specific Remedy's I am seeking and demanded tor Civil violations & unlawful Consumer Credit Transactions.
In Good Faith. ALL Rights Reserved

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