Consumer complaint received 2021-06-02
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for credit with Navy Federal and was wrongfully informed that the credit given was via the bank and mailed deceptive and misleading statements to make monthly payments. Pursuant to 14 USC 1601 congressional findings, congress is letting me the consumer know the that Navy Federal has misinformed me of the use of my credit. 

15 USC 1301 ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 

Also, 15 USC 1602 ( e ) The term " person '' means a natural person or an organization.

A corporation is not a natural person. Therefore can not be the original creditor.

My social security card was use to obtain credit, I am the administration of the card and credit account given.

Also, pursuant to 15 USC 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. 

I am informed that I am the original creditor who is a person to whom the debt arising from the consumer credit transaction who is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness and that my credit card is a open end credit plan. 

Navy Federal put a limit on plan to {$20000.00} and has failed to comply with the open end credit plan by sending statements for me to pay which is unlawful pursuant to 15 USC 1692 ( 2 ) not state that such consumer owes any debt ; You can't say I owe a debt. 

You were not given consent by me to collect any debt and I do not consent to you collecting this allege debt you say I owe. 
15 USC 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I invoke my rights as the original creditor and demand a verification of debt, cease and desist form contacting me regarding this allege debt. I refuse to pay this allege debt. 
15 USC 1692c ( a ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent XXXX if the consumer is a minor ), guardian, executor, or administrator.

15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
My consumer report is my reputation and I demand you delete any reported accounts to the reporting agencies regarding this alleged debt. 
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

You sending statement informing that I owe you an alleged debt is abuse due to me having to read the false and deceptive forms.

If the courts/judge can not ever say I owe a debt, so why in the world do you think you have the right to say I owe?

15 USC 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

We have a conundrum the definition of money is a political decision that you can not define and you can not tell me to pay gold and silver because its not in general circulation and you cant tell me to pay with federal reserve notes because you would perjure your oath, so we have a conundrum on the record, I invoke being a consumer and I dispute XXXX XXXX  XXXX pursuant to 15 USC 1692h, excluding the first payments back treble for not willfully disclosing valuable information. Send all payments made via check to XXXX XXXX XXXX XXXX, CA XXXX. 

15 USC 1692h If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.

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