Consumer complaint received 2023-04-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out on my open-ended consumer plan balance monthly. 

Best Regards, Signature QUESTIONS 1. Validation of Debt- that is, the actual accounting. 

2. Verification of their claim against me ; That is, a signed invoice.

3. A copy of the Contract binding both parties ( you and I ), in a letter by " certified mail '' so that there is an independent " witness to it having been delivered. '' Please attach copies of the following : Without Prejudice Full Disclosure ( I was not told that you were actually creating the credit with my e signatures, ) Equal Consideration ( what did you bring of value? and so had nothing to lose ) Lawful Terms and Conditions ( Mines based on Fraud ) Wet signatures of both parties -- ( please keep in mind the corporations can't sign because they have no right or mind to contract since they are soul-less legal fictions : and furthermore, no third party can sign a contract on their behalf ). 




on XX/XX/XXXX I received XXXX statements { XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX } from Navy Federal Credit Union. ( A STATEMENT is not an Invoice '', so would you please provide a signed " invoice '' as requested. ) on XX/XX/XXXX I also received a promissory Note. This however does not constitute a contract as it is only signed by one of the parties which is myself and I asked for a Contract signed by both parties.

Please provide the name and address of the bonding agent for NAVY FCU, in case legal action becomes necessary : You must return this completed form along with copies of ALL requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 

Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. 

Please allow 30 days for processing after I receive this information.

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