Consumer complaint received 2018-05-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I admitted to debt for value received, then presented offer to settle or cure any debt with Navy Federal Credit Union by providing a legally binding Promissory Note with Orders via notary presentment to discharge any debt. I also demanded proof that Navy Federal Credit Union ( or any of its affiliated agents, parent companies, proxies, etc. ) actually suffered a loss ( Full copy of the actual accounting ), that Navy Federal Credit Union provide proof that they had filed my action with the Internal Revenue Service, and provide me with a cash recoupment receipt as an offset in accounting for my records to include lien free title to property.

Over the past two months I have been harassed by repeated phone calls and letters attempting to get me to enter into a Adhesion Contract. A tow truck came to repossess the vehicle. 

Affidavit of Facts I, purchased a vehicle from a XXXX dealer on XX/XX/XXXX - Representatives of NAVY FEDERAL CREDIT UNION provide loan to purchase the car in the amount of XXXX XXXX on XX/XX/XXXX and I contacted same to obtain a signed copy of the original contract and other related documents on XX/XX/XXXX which were not sent. 
XX/XX/XXXX, I requested a fully certified disclosure of contract containing my original wet ink signature and sign by a living person representing their organization. 
XX/XX/XXXX I received by regular mail from XXXX d/b/a Manager, Consumer Loan Processing of NAVY FEDERAL CREDIT UNION a letter requesting my signature on a updated Corrected/Duplicate contract. 
XX/XX/XXXX, I sent XXXX. d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION the letter and contract back with a letter stating the unsigned contract was unacceptable ( Non Acceptance of a Bi-lateral contact ), rescinding of my signature on all loan documents including previous loan and another request for full disclosure of loan contract. 
XX/XX/XXXX, I sent XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION a letter of instruction and, according to HJR 192, provided legal tender to discharge debt ( Exhibit F ) On XX/XX/XXXX, the notary, sent a letter, certified mail to XXXX XXXX XXXX. d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION the initial Cover Letter of Acceptance and Notice of Non-Response to correct any and all account records since their organization kept the settlement document. 
XX/XX/XXXX, the notary, sent a letter, certified mail to XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION a second presentment of Cover Letter of Acceptance and Notice of Non-Response to correct any and all account records since their organization kept the settlement document. 
XX/XX/XXXX, the notary, sent by certified mail to XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION a third presentment Declaration by Affidavit to state his non-response to any previous letters or notices. 

XX/XX/XXXX a tow truck attempted to take the vehicle from my premises without any contact from XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION in an attempt to make a adhesion contract later that day. 
XX/XX/XXXX Collection Department d/b/a NAVY FEDERAL CREDIT UNION sent a letter stating NAVY FEDERAL for the above referenced account has been terminated due to non-compliance with agreed upon terms. All payments received have been applied to the existing balance but collection activities on this account will continue until you re-establish arrangements to resolve your account XX/XX/XXXX XXXX XXXX XXXX d/b/a CEO, CFO of NAVY FEDERAL CREDIT UNION was sent a No Contact Contract reiterating the note, requests and letters previously sent. 
XX/XX/XXXX I filed a Civil Action against XXXX d/b/a CEO, CFO of NAVY  FEDERAL CREDIT UNION.

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