Consumer complaint received 2022-04-23
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1. Affidavit of Truth Page 1 of 2 2. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor lender executor, administrator, holder in due course for any and all derivatives thereof for the surname XXXX, XXXX, and I have been appointed and accepted being the executor both public and private for all matters proceedings, and I hereby claim that I will d/b/a XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that maybe, I depose the following facts, so be it, now present.

XXXX  will show through documentary evidence from my initial communication with NAVY FEDERAL CREDIT UNION, they intentionally violated consumer credit laws with a direct intent to violate and harm me a natural person. 
XXXX will show NAVY FEDERAL CREDIT UNION is intent on ruining my character as a consumer/natural person. XXXX will show at least six serious scenarios where NFCU knowingly willingly and directly ignored federal consumer laws in an intent to. 
Extort payment on an unvalidated, alleged debt. 
Punish me for nonpayment of a debt. 
Falsely represent the amount and character of the alleged debt. 
Attempt to use unfair and unconscionable means to collect an alleged debt ( repossession attempt ) Communicated with 3rd parties ( consumer reporting agencies ) without prior consent of me the consumer, only to coerce payments, you knowingly and willingly reporting false and or wrong information to destroy the character of me the consumer and natural person. Information reported either violated the Fair Credit Reporting Act, Fair Debt Collection Practices Act or Truth in Lending Act Make false statements and knowingly withhold information during financing to create a debt. 
Knowingly and willingly attempt to offer contracts with empty and inadequate closures. 
Third party witnesses to NCFU violations would be XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, XXXX XXXX XXXX, XXXX, XXXX, and XXXX. I have also filed 1 or more complaints with the named consumer protection agencies notifying them of NFCU illegal tactics. 
Promissory to pay section : is asking me to waive my legal rights natural person to the rights of demand and notice NAVAL FEDERAL CREDIT UNION is asking for me to take responsibility for a loan, even though the promissory note does not have adequate notice pursuant 15 USC 1602 ( k ). And NFCU can not produce documentary evidence with my wet signature agreeing to violations Agreement Acknowledgement section : clearly acknowledges Truth in Lending its powers and directives as federal law. 1. NFCU WILL NOT grant me my right to rescind this transaction pursuant 15 USC 1635 Right to rescission to certain transaction clearly states : The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with 2 of 2 regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section.

2. NFCU has never addressed attached violations ( documents also mailed directly NFCU ). NFCU intent was never genuine and has never shown good faith in granting me right to rescind this transaction because of numerous violations on their part.

By doing so there is clear evidence in all affidavits sent by me and documentary evidence, provided by NFCU, that their main intent is to punish me for nonpayment and attempted to extort payment from a natural person and federally protect consumer.

Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means 1. to collect or attempt to collect any extension of credit, or 2. to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means, Pursuant 18 USC 894 Collection of extensions of credit by extortionate means. 



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