Consumer complaint received 2023-10-19
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- IT IS NOT MY BELIEF THAT NAVY IS PURPOSELY ACTING WITH XXXX XXXX TO HARM I THE CONSUMER WHICH IS WHY I HOPE THIS MATTER CAN BE SOLVED QUICKLY AND SWIFTLY BECAUSE REGARDLESS, THE LAW IS THE LAW. AS THE ORIGINAL CREDITOR AND ORIGINAL CARD HOLDER AS CONGRESS DEFINED UNDER 15 USC 1691a ( e ) ( f ) I HAVE EXERCISED MY GRANTED RIGHT TO CREDIT AS DEFINED UNDER 15 USC 1602 WITH NAVY FEDERAL AND EXTENDED MY CREDIT WITH THE INSTITUTION TO EXTEND BACK TO ME FOR FAMILY AND HOUSEHOLD USE. THIS COMPLAINT WAS BROUGHT ABOUT WHEN NAVY FEDERAL COMMITTED ADVERSE ACTION AND DISCRIMINATION AGAINST ME IN DENYING ME A CREDIT LIMIT INCREASE AS DESCRIBED UNDER E.C.O.A. " prohibits creditors from discriminating against credit applicants ... .or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. NOTICE IT IS FACT I HAVE EXERCISED MY GRANTED RIGHT TO CREDIT AND HAVE BEEN UNLAWFULLY DISCRIMINATED FOR DOING SO. NOTICE IT IS FACT NAVY FEDERAL HAS ALSO COMMITTED ADVERSE ACTION AGAINST BY DENYING ME A CREDIT LIMIT INCREASE WHICH GOES AGAINST THE VERY DEFINITION OF ADVERSE ACTION UNDER 15 USC 1691 ( d ) WHICH STATES CLEARLY AND DIRECTLY " ( 6 ) ... .Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, ** or ** where such additional credit would exceed a previously established credit limit. ". NAVY FEDERAL ADVERSE ACTION GOES AGAINST THE VERY DEFINITION O F THE TERM AND IS DISCRIMINATION AND A VIOLATION UNDER TRUTH IN LENDING.. NOTICE IT IS FACT NAVY FEDERAL HAS FAILED IN ITS TRUTH IN LENDING REQUIREMENTS AND DID NOT DISCLOSE TO ME MY RIGHT TO DIRECT THE MANNER IN WHICH MY CONSUMER INFORMATION CAN BE REPORTED UNDER 15 USC 6802 AND DID NOT GIVE CONSPICUOUS CLARIFACTION TO ME THE CONSUMER OF SUCH RIGHT. REPORTING CONSUMER INFORMATION IS " VOLUNTARY '' IT IS NOT DEMANDED IN FEDERAL LAW. I THE ORIGINAL CREDITOR IN FACT WISH TO EXERCISE MY RIGHT WHICH WAS NOT DISCLOSED TO ME TO OPT OUT OF YOUR CONSUMER REPORTING INFORMATION AND GIVE YOU NO PERMISSIBLE PURPOSE TO DO SO. AND CONTINUATION OF SUCH ACT WILL RESULT IN A TITTLE 15 VIOLATION ASWELL AS A SEVERE VIOLATION UNDER TRUTH IN LENDING. -- -- -- -- -NOTICE IT IS ALSO A FACT I THE CONSUMER HAVE ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH NAVY FEDERAL WHERE THEY HAVE OBTAINED MY CREDIT CARD DEFINED UNDER 15 USC 1602 AND WHERE A FINANCE CHARGE SUM OF ALL CHARGES WAS CONDUCTED VIA A CREDIT APPLICATION ( ASSET/SECURITY ) WHICH BECAME THE NEGOTIABLE INTSTRUMENT AND TENDER OF PAYMENT FOR THE OBLIGATION WHERE NAVY FEDERAL OBTAINED MONEY AND CREDIT IN COMMERCE VIA FEDERAL RESERVE ACT SEC. 16 & 29 AND UCC3-104a AND YET IS REPORTING A DEBT ALLEGEDLY LAWFULLY OWED ON MY REPUTATION WHEN IN FACT SATISFACTION OF DEBT WAS GIVEN AT THE POINT OF APPLICATION UPON EXTENDING MY CREDIT. AND THE FINANCE CHARGE 15 USC 1605. TENDER OF PAYMENT HAS BEEN EXPRESSED VIA NEGOTIABLE INSTRUMENT TO NAVY FEDERAL TO CREDIT THE CREDIT CARD ACCOUNT AND HAS BEEN REFUSED AND RETURNED. UNDER UCC3-603 THE ALLEGED CREDIT CARD DEBT IS THERE FOR DISCHARGED AND YET IT STILL REMAINS ON MY REPUTATION ON CARD BALANCE. NAVY FEDERAL IS IN BREACH OF ITS TRUST AND FIDUCIARY DUTIES UNDER UCC AND THE FEDERAL RESERVE ACT. SEC. 29 TIER 3 VIOLATION.

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