Consumer complaint received 2021-02-10
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Hello, my name is XXXX XXXX XXXX my account number with this financial institution is XXXX and XXXX. America First Credit Union has infringed upon my rights to privacy under the Fair Credit Reporting Act 15 U.S.C. 1681. On XX/XX/XXXX I the consumer realized that this institution was in violation of multiple fraudulent violations of the FDCPA law & the TILA law. On XX/XX/XXXX I initiated a credit transaction for my vehicle with this financial institution and a finance charge was involved, which was originated from my initial credit card. In the initial communication for my auto contract, this financial institution did not disclose who they are, and what their initial intentions were to attempt to collect a debt failure to disclose this information is a violation under 15 usc 1692e ( 11 ). Five days after the initial communication, this financial institution did not give me my rights to dispute or any information how to. which is a violation under 15 usc 1692g ( b ). Also, my insurance premium was not included in my initial credit transaction for my XXXX XXXX XXXX which is a direct violation under 15 usc 1605 ( 5 ) ( C ). This deceptive unfair practice on my consumer report shows payment history on a credit transaction involving a finance charge is in violation of 15 usc 1605. I have not given written instruction as the original creditor defined under 15 usc 1602 ( g ) to this financial institution to furnish unlawful deceptive information on my consumer report, or has asked for my permission to furnish anything on my behalf this is a direct violation under 15 usc 6802 ( b ) ( A ). This institution has been reckless exposing my privacy by reporting all my initial credit transactions to the consumer reporting agency which should have been exempted from my consumer report Is in violation of 15 usc 77d ( B ), opting out of any reporting agency is my right under 15 usc 6802 ( B ). This institution has sent me multiple forms via mail not related to the collection of such alleged debt is a violation under 15 usc 1692g ( e ). Those letters also disclosed symbols which signify they are in fact in the debt collection business, is a violation under 15 usc 1692f ( 8 ). This financial institute has caused me stress, and financial hardship with this misleading representation is a violation under 15 usc 1692 E ( 2 ). On XX/XX/XXXX XXXX the consumer sent out letters via mail upon return receipt of these validations and alleged debts ; cease and desist letter, exhibits of violation, allegations in affidavit, notary to identify my identity, and an invoice. On XX/XX/XXXX this institution received my letters on XX/XX/XXXX I received a reply via mail, stating that this financial institution has not committed any violations under the FDCPA my exhibits show clearly, they have. This Institution has not validated the debts with the requests that I clearly stated for my auto loan, credit card, and line of credit instead they have sent me allegation which I dont agree with. This institution has failed to rebut allegations in the affidavit, any statement not denied shall be deemed to be admission which is a violation of 12 CFR 1102.22 ( b ). On XX/XX/XXXX I made contacted with America first Credit Union to discuss this issue over the phone, I asked to speak to someone that could deal with my issue for updates, I spoke with the supervisor in the collection department she has stated to me that the alleged debt was in fact mine, and that they have verified it ( somehow ) if the full payment was not meet for this finance charge, they have threatened to reposes my property. The only way they have the right to do that is with unlawful acts which is a violation under 15 usc 1692f 6 ( a ) ( b ). The debt collector advised me that my debt would be discharged. How could a debt be discharged if it's in the positives? Debt collector have used obscene languages and advised me that my reputation will be at stake, this is in direct violation under 15 usc 1692d ( 1 ) ( 2 ) And the representative also advised me that America first Credit Union is the original creditor, I asked if the representative was an attorney to take such bold claims and, they replied that they were not an attorney. I also notified them that I will be representing myself as an attorney. This company has used fraudulent interstate transactions to obtain money by sale of security agreement with untrue statements of misleading representation, this Is in violation of 15 usc 77q ( a ) ( b ). This financial institution has charged me cash advance fees and other fees on my credit card totaling to {$22000.00} from the year XXXX to XXXX just on fees that is a violation under 15 usc 1692H. I have made several deposits and extended this institutions credit and, I have not benefited from anything in my initial account I initiated with them this is a violation under 15 usc 1602 ( p ). I the original creditor have made multiple payments on these alleged debts that the debt collectors assumed was valid which is a violation under 15 usc 1692h and 15 usc 1692g ( 3 ). I would like these payments mailed backed to me by check. This financial institution has put me in numerous barriers so I demand reparations for the damages which is a violation under 15 1692 k ( a ). If this financial institution refuses to do business with me do to me exercising my rights, I will assume that I am being discriminated. If the financial institute remits payment of any federal violations listed, legal action will be taken.

Company response to consumer: Closed with explanation