Consumer complaint received 2021-10-15
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
NAVY FEDERAL CREDIT UNION had no rights or consent to close my open ended credit plan with their company. As the consumer in commerce, I have In good faith, extended my open ended credit to NAVY FEDERAL CREDIT UNION and have done so with confidence that legality and fair measures would be met. According to Federal Law false any misleading information, such as billing amounts that are wrong constitutes Federal violation. Selling your information to other 3rd party debt collection agencies as a fraudulent charge off are a violation to Federal code. NAVY FEDERAL CREDIT UNION as a consumer reporting agency intentionally put derogatory marks on my consumer report such as " late payments '. Congress does not define late payments, so this tactic was used in a detrimental way to the consumer. NAVY FEDERAL CREDIT UNION again had no right to rescind my open ended consumer credit plan as they are not the original creditor of the account. I have not received documentary evidence from their corporation with signature in trust. I demand to see this piece of documentation if it truly exists. According to Congressional code not verbatim, informed consumer credit usage and education will further better the economy and unfair practices shall cripple it. NAVY FEDERAL CREDIT UNION is merely a consumer reporting agency, debt collector and card issuer. I, the natural person, the consumer am the Original Creditor! Below is a list of Federal Code violations NAVY FEDERAL CREDIT UNION has committed I seek immediate remedy and account reinstatement for my self the consumer and original creditor of this NAVY FEDERAL CREDIT UNION account. 15 U.S. Code 1681b. There should be no Publication or advertising of any kind until a dispute is resolved pursuant to 15 U.S. Code 1666a ( a ). Title 18 U.S.Code 1028A on four separate occasions as NAVY FEDERAL CREDIT UNION has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation due to my compromised bank account, I demand a money audit trail in accordance with 12 U.S.Code 5562 ( c ) ( 10 ) NAVY FEDERAL CREDIT UNION is Card issuer, consumer reporting agency and debt collector ( debtor ). Because XXXX is a non-living non breathing entity, they have misused my extension of living open ended consumer credit ( SSN ) and signature to create a fraudulent credit sale. They have falsified statements, documents and furnished consumer reports stating that their corporation is the " original 15 U.S. Code 1692f.Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt creditor ', yet by law have no right to the extension of living credit to offer the living consumer, myself. I've contacted NAVY FEDERAL CREDIT UNION through multiple attempts. Pursuant of 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditor did not send the statements not later than 21 days before the payment due date.

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