Consumer complaint received 2022-07-29
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a FEDERALLY PROTECTED CONSUMER and I have strong reason to believe that RANDOLPH BROOKS FEDERAL CREDIT UNION is violating my Consumer Rights. I'm going to establish that under FEDERAL LAWS RANDOLPH BROOKS FEDERAL CREDIT UNION ACCT # XXXX is violating my rights and they are furnishing negative information " late payments '' and its damaging my creditworthiness and running my name and ability to extend credit. I have made multiple attempts since XXXX in writing to inform RANDOLPH BROKS FEDERAL CREDIT UNION about the violations pertaining to this credit transaction. I am the Consumer " I EXTEND CREDIT '' MY SOCIAL SECURITY NUMBER, MY SIGNATURE, MY INSTRUMENT FUNDS THIS ACCOUNT and I HAVE THE RIGHT TO COMMERCE. Under THE TRUTH IN LENDING ACT 15 USC 1666B Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. WHICH RANDOLPH BROOKS FEDERAL CREDIT UNION HAS NEVER DONE 21 DAYS BEFORE. THIS ESTABLISHES THERE IS NO SUCH THING AS LATE PAYMENTS. And before RANDOLPH BROOKS FEDERAL CREDIT Tries to say again " we have to report negative information to the credit agencies. 15 USC 1681 S27E THERE IS NO FCRA LAW ON FURNISHERS MUST REPORT NEGATIVE INFORMATION. The question I have for RANDOPLH BROOKS FEDERAL CREDIT UNION is well on who's authority do you have to report this information? Because UNDER THE FTC, GRAMM-LEECH-BLILEY ACT I HAVE THE RIGHT TO PRIVACY. You have no right to my NONPUBLIC PERSONAL INFORMATION I never gave you my lawful, legal. consent authorization to furnish, and spread, for profit to unauthorized non affiliated third parties. And PER FEDERAL LAW 18 USC 8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THIS LAW STATES THAT THE UNITED STATES HAS THE " OBLIGATION '' AND ALREADY PAYED THE DEBT 18 USC 8. So the question is how can RANDOLPH BROOKS SAY I OWE THIS " ALLEDGED DEBT '' AND PUT '' LATE PAYMENTS '' ON MY CONSUMER REPORT? AGAIN UNDER 18 USC 8 THE UNITED STATES HAS ALREADY PAID THE DEBT OBLIGATION. There is no way to be late paying on something already paid for. The negative information " late payments '' being furnished on my consumer report are damaging my credit worthiness and prohibiting me from commerce and extending credit which is y right. This is why this is personal to me and I'm calling on the CFPB to ENFORCE my Consumer Protection Rights and protect my Consumer Protection Rights from RANDOLPH BROOKS FEDERAL CREDIT UNIONS practices.

Company response to consumer: Closed with explanation