Consumer complaint received 2021-12-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 I have sent navy federal a letter regarding billing errors and cease and desist of collection activity, their response dated XX/XX/2021 included an alleged credit card agreement and disclosure contract that they claimed I agreed. This agreement does not have mutual obligations because this contract has not been signed by me nor Navy Federal, no signed copy was provided just a correspondence with agreements so I can not verify that this is valid and pursuant to 15 usc 1692g sending statements is not valid validation of debt " 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. '' On XX/XX/2021 I have also submitted a FTC report regarding Navy Federal defrauding me. Navy Federal has took {$500.00} from me for a " secured '' credit card, pursuant to 15 usc 1605 this is unlawful because anything that has to do with a finance charge is the sum of all charges. Federal law clearly states " The finance charge does not include charges of a type payable in a comparable cash transaction. '' in this case Navy Federal has demanded a downpayment due to defamation of my character and reputation ( consumer report ). As I spoke to a member on increasing the limit I was told that I had to put another {$500.00} down to increase my limit to {$1000.00}. I have an open ended credit plan pursuant to 15 usc 1602 ( j ), It is a shame that Navy Federal has denied me to exercise my right to grant credit which is discrimination pursuant to 15 usc 1691 ( a ) ( 3 ). Navy Federal committed aggravated identity theft by obtaining a loan in my name when I never applied for one. Navy Federal also withheld Truth In Lending disclosures such as my right to rescind this consumer credit transaction pursuant to 15 usc 1635. Upon receiving Navy Federal correspondence I have notice they wanted me to include any consumer reporting agency dispute, which I do have a dispute open with XXXX  and XXXX. I have told the consumer reporting agencies that Navy Federal have not gave me opt out disclosures to exercise my right to opt out of all consumer reports nor received a written consent from me which would give Navy Federal permissible purpose to report. Since opt out disclosures were not given, I have demanded that the account be removed and if it does not be removed Navy Federal and whom ever consumer reporting agency will be civilly liable since I have clearly and conspicuously explained why it shall not be reporting according to federal laws. If Navy Federal alleges I gave them permission to report, they will need to provide this documentary edvidance through CFPB and via mail otherwise this account needs to be remove from my consumer report. Lastly, there is a billing error on my credit card account. Every time I log into my app I see a positive checking account and a positive credit card account, If I truly owed someone a debt it will show negative so what I will need is documentary evidence provided through CFPB portal and sent to my place of abode. I am demanding both public and private side of bookkeeping ledgers to be submitted through CFPB portal and sent via mail.

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