Consumer complaint received 2022-03-24
Company: BOEING EMPLOYEES CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PREVIOUS CFPB COMPLAINT XXXX HAD THE WRONG PICTURES/DOCUMENTS ATTACHED. THIS IS THE CORRECT COMPLAINT WITH ATTACHMENTS. 

___________________________ Certificate Of Non-Response Date : XX/XX/2022 Re : Acceptances by BECU on account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have sent off certified mailing and payment in forms remittance/coupon in efforts to adjust and/or settle account XXXX XXXX XXXX XXXX, also serving as a demand to not close, terminate, suspend and/or freeze my account. This notice is Pursuant state law Evidence of Dishonor UCC 3-505 and UCC 1-202 . I state the following as facts. 

On the date of XX/XX/2022, BECU at XXXX XXXX XXXX, XXXX, WA XXXX received a remittance/coupon payment via Certified Mail. The corresponding Certified Mail number is XXXX XXXX XXXX XXXX XXXX as verified by Certificate Of Service. 

After acceptance of mailing, BECU refused to send confirmation that account XXXX XXXX XXXX XXXX has been adjusted and/or settled, nor a notice of dishonor from a qualified third party excusing their refusal, in response to the correspondence regarding XXXX XXXX XXXX XXXX. 

BECU did not cure their dishonor. BECU gave no creditable or justifiable reason for refusal to confirm the adjustment and settlement of account XXXX XXXX XXXX XXXX or send a notice of dishonor. 

Therefore, based on the foregoing facts I state that BECU dishonored me, XXXX XXXX XXXX, through non-response, and did thereby agree that BECU accepted the remittance/coupon payment for account number XXXX XXXX XXXX XXXX exchanged exemption for the discharge of the associated charges, including an adjusted and/or settled account showing an adjusted balance, sent a letter of credit to the Secretary Of Treasury as notice that exemption is to be used to adjust and/or settle account number XXXX XXXX XXXX XXXX. 

Further, BECU agreed that refusal to send the written confirmation of an adjusted and/or settlement of account XXXX XXXX XXXX XXXX or a notice of dishonor from a qualified third party, in no way negates the fact that said account is to be adjusted and/or settled. BECU and any of its representatives have no capacity to pursue collection on said account XXXX XXXX XXXX XXXX, under UCC 3-603 , UCC 3-111, UCC 3-311, Pursuant 15 U.S. Code 1611 in the amount of {$5000.00}, Pursuant 15 U.S. Code 1692k ( a ) ( 2 ) ( A ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1692j in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( b ) ( 2 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1666 ( a ) in the mount of {$1000.00}, Pursuant 15 U.S. Code 1691 ( a ) ( 3 ) in the amount of {$1000.00}, Pursuant 15 U.S. Code 1635 and UCC 3-306, Pursuant 15 U.S. Code 6823 ( a ), Pursuant 15 U.S. Code 1635, Pursuant 15 U.S. Code 6827 ( 4 ) ( b ), Pursuant 15 U.S. Code 1640 ( a ) in the amount of {$5000.00} per violation or higher depending on pattern of failures aka R.I.C.O. charges in accordance with TILA Regulations, Pursuant 15 U.S. Code XXXX ( d ). I, XXXX XXXX XXXX, the affiant, am invoking my jurisdiction and will administer judgment over this matter in accordance to 15 U.S. Code 1692c ( d ), I the Creditor in fact in accordance with 15 U.S. Code 1692a ( 4 ) and as the Creditor who has created the debt. I will declare default judgment in favor of I, XXXX XXXX XXXX. Company failure to rebut and bring forth proof of claim in this administrative audit show proof in exhibit 1, that I owe the alleged debt shown in prior notice, Pursuant 15 U.S. Code 1692k ( a ) ( 1 ) in the amount of damages awarded in the amount of judgment in class action suit and that any further pursuit of collection is agreement that BECU collectively and without argument owe XXXX XXXX XXXX the amount of {$5000.00} plus the remedy for the previous correspondence {$7900.00} and all just due remedy pursuant the 15 U.S. Codes mentioned in this letter in accordance with FDCPA and TILA, Regulations, in the amount of {$10000.00} and any further judgments in accordance with 15 U.S. Code 1640 ( a ) and that I, XXXX XXXX XXXX, XXXX take all necessary actions to secure the claim to the remedy which is owed. 

Notice To Agent ; Notice ; Knowledge U.C.C. 1-202 Respectfully All Rights Reserved Without Prejudice U.C.C 1-308 Date : XX/XX/2022 XXXX XXXX XXXX Executor Of The Estate ; Authorized Representative

Company response to consumer: Closed with explanation