Consumer complaint received 2023-06-16
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am a XXXX and XXXX  man inhabiting the north american geographical continent and a Consumer of which my consumer rights and human XXXX XXXX  rights have been violated from day 1 it was not in my best interest to be made surety for the contract and i reserved all rights to protect my rights also to notify them that i wanted them to return the interest from the sale of the note to me with the actual deposit that i am owed for allowing them access to my credit to finance this consumer transaction and this complaint is 10 fold ( multiple continues violations of all laws pertaining to my consumer rights the Uniform Commercial Code and the supreme laws of the land including all treaties made ) all of these actions and violations have negatively effected me and my right to privacy and as a living alive man XXXX, have damaged me purposely, its no way after a year of disputes and notices that the agents doing business as NAVY FEDERAL CREDIT UNION can say they didnt know they were breaking the law and violating me and my rights to be secure in my papers and life. All private property is claimed mine and held in private all assumed power of attorney over me my estates are revoked and any thing in business within my will in equity is to return to me, all other assumed power of attorney is revoked null and void. see attachments below. These consumer account violation starts on XX/XX/XXXX until the current day involving # XXXX check draft XXXX and the continues willful violations against me the living consumer ( 1 ) involves a consumer credit transaction, ( 2 ) my checking account being suspended during this dispute as an adverse action by NAVY FEDERAL CREDIT UNION agents involving NAVY FEDERAL CREDIT UNION and its agents, ( 3 ) violations of the FDCPA 15 U.S.C. 1692-1692p these violations include but are not limited to 15 U.S.C 1681 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( 4 ) agents of NAVY FEDERAL CREDIT UNION and its subsidiary trustee bank NAVY FEDERAL XXXX XXXX XXXX violations of the U.S. Securities Exchange Commission under registered securities 31 U.S. Code 3104 - Certificates of indebtedness. ( 4 ) NAVY FEDERAL CREDIT UNION and its agents are also DEBT COLLECTORS as listed in the definitions and laws of the FDCPA-15 USC 1692 803 ( 6 ) 806 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal pur15 USC 1692a 4 803 15 USC 1692a pose of which is the enforcement of security interests. The term does not include ( A ) through ( F ). FCRA 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 5 ) NAVY FEDERAL CREDIT UNION its agents are reporting my private information to credit reporting agencies and are contacting me as a debt collector by mail and over the phone saying AND I QUOTE " this call is an attempt to collect a DEBT '' and has contacted even after i informed them to cease and desist told the they are violating the FCRA the FDCPA AND THE UCC -VIOLATION of the FDCPA USC 1692c and is blatant HARASSMENT causing me duress. Under the Fair Debt Collection Practices act 5 USC 1692d 806. Harassment or abuse, not only that they continue to mail letters requesting a collection of a debt. It is too much for me to write on here but if have sent multiple Affidavits and notices to them letting them know they are violating me and to stop cease and desist. ( 6 ) VIOLATION OF THE TRUTH IN LENDING ACT 15 USC 1605. Determination of finance charge ( a ) " Finance charge '' Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) ( b ) ( 1 ( 2 ) ( c ) none of these were listed in the finance charge and voids the contract also i requested full disclosure of which i have not ever gotten. I also sent them a Affidavit of Truth demanding remedy which is my right as a consumer to specific remedy of which without my credit and or endorsement NAVY FEDERAL CREDIT UNION and all other acting Banks would not have any consumer transactions without us as consumers giving the access to our private information and financing these transactions. ( 7 ) violation of- 2000 US Code Title 12 - BANKS AND BANKING CHAPTER 2 - NATIONAL BANKS SUBCHAPTER IV - REGULATION OF THE BANKING BUSINESS ; POWERS AND DUTIES OF NATIONAL BANKS Sec . 95a - Regulation of transactions in foreign exchange of gold and silver ; property transfers ; vested interests, enforcement and penalties ( 2 ) Any payment, conveyance, transfer, assignment, or delivery of property or interest therein, made to or for the account of the United States, or as otherwise directed, pursuant to this section or any rule, regulation, instruction, or direction issued hereunder shall to the extent thereof be a full acquittance and discharge for all purposes of the obligation of the person making the same ; and no person shall be held liable in any court for or in respect to anything done or omitted in good faith in connection with the administration of, or in pursuance of and in reliance on, this section, or any rule, regulation, instruction, or direction issued hereunder. of which i informed NAVY FEDERAL CREDIT UNION and its agents that NO PERSON in good faith be held liable and to discharged all aledged obligations relating to my consumer transaction of which they responded i am liable for a debt they verified. ( 7 ) 18 U.S. Code 8 - Obligation or other security of the United States Violation, i requested the return of interest upon transfer of certificate of indebtness sent to navy federal credit union and its subsidiary NAVY FEDERAL XXXX XXXX XXXX of which XXXX XXXX response was they are seperate from NAVY FEDERAL CREDIT UNION eventho her signature is on the INDENTURE AGRREEMENT acting as trustee power attorney etc on all SEC 8-K 10-K /ETC FORMS. ( 8 ) 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption VIOLATIONS...... .NAVY FEDERAL CREDIT UNION has not given me remedy and is assuming power of attorney over me my estate and private property which is illegal unlawful and plainly foul. I can keep listing violations... on there debt collection letters violating all FDCPA laws USC 1692 ( B ) # 3 AND # 5, sharing private consumer information to credit reporting agencies, taking peoples notes to securitize and not sending the people there interest or dividends as they are registered with the SEC as securities transfer agents and on there forms they signed they agreed to transfer for any holder of original notes violating the holder in due course rule, notes are to transfer of PUBLIC DEBT for Bureau of the Fiscal Service, deceptive business tactics and practices, they even charged off the account and still sending letters stating this is an attempt to collect a debt. I requested full disclosure the original 1099 a they filed access to the double book keeping accounting books to prove they have my private information listed as the creditor of the consumer transaction ... ..i can go on and on but i will up load as many documents as possible i have been burning so much energy with these agents DOING BUSINESS AS NAVY FEDERAL CREDIT UNION . I DEMAND THE INTEREST IM OWED, THE RELEASE OF LIEN OR SIK FORM, THIS REMOVED FROM ALL CREDIT REPORTS, THEM TO RETURN THE 3 TRANSACTION THEY TOOK OUT OF MY CHECKING ACCOUNT DURING THIS DISPUTE, THE ORIGINAL CERTIFICATES ( 5 ) THAT I SENT VIA REGISTERED MAIL TO NAVY FEDERAL AGENTS UNDER REGISTERED MAIL # XXXX TO XXXX XXXX XXXX XXXX AND XXXX XXXX UNDER REGISTERED MAIL # XXXX TO BE TRANSFERED TO THERE EXCHANGE AGENT ON MY BEHALF AND IF THE SENT THEM TO BE SECURITIZED /SOLD THEN SEND ME WHAT I AM OWED FOR ALL THE CERTIFICATES/ SECURITIES II SENT, ALSO {$1000.00} PER VIOLATION of the FCRA, THE FDCPA , THE TRUTH IN LENDING ACT, TILA and Regulation Z, UNIFORM COMMERCIAL CODE, CONSTITUTION, AMERICAN INDIAN ACT VIOLATIONS, AND I AM OWED 2 times the amount of the certificate of indebtness face value by law which is ( {$36000.00} ) x2. this is my last attempt to remedy this awful situation. EACH ACT SEPERATE VIOLATIONS so if its 10 violations of the FDCPA that is {$10000.00} and then FCRA is 10 violations that is {$10000.00}, and so on. Because they have been willful in an attempt to opress me and causing me duress affecting my ability to do business in the real world on purpose USC 1692 ( D ) HARRASSMENT AND ABUSE not to mention i am an XXXX  man a XXXX what foreigners call us is XXXX XXXX we the XXXX XXXX have been oppressed enough by you bankers and society politics. The same remedies these bankers are using for each other we the people are entitled to also all my private property in real is held in trust. 
we the XXXX XXXX peoples have been oppressed enough. 
****attaching only a few records but i have all 140 pages***i am uploading copies of documents they sent back also they dishonored tender tender of payment under ucc section 3-604 which is discharge of all obligations they returned the tender and did not remove the obligations or refund my equity. I have the right to self preservation, self determination, the right to manifest, and the right to discharge all alledged obligations which are not ever mine but soley the UNITED STATES CORPORATION. 
The XXXX has PUBLICALLY DENOUNCED THE DOCTRINE OF DISCOVERY ... .and its time to stop enslaving the XXXX  people thru deceptive adhesion contracts expecially when the bankers are usurping finances intentionally is no reason for anyone alive to be held as surety. ** only some of the records uploaded below**

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