Consumer complaint received 2022-08-30
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed a billing error once I received documents that the tender of payment I sent to pay an instrument/alleged debt was accepted and signed on XX/XX/XXXX. After I called on XX/XX/XXXX and spoke to a supervisor concerning the negotiable instrument that was mailed in for payment he did not give me a logical answer, was rude nor did he provide me with the correct information as to why my tender was not accepted. Instead, he just hung up in my face. I've been a customer since XXXX I've been going back and forth trying to get this account credited since earlier this year. 

I am aware from extensive research that the Loan/Credit thats extended to me has been paid from the moment I filled out the application with the use of my social security number according to ( 15 U.S.C 1692 ), and the credit thats approved comes from the consumer, not Navy Federal Credit Union according to ( 15 U.S.C 1602 ). Since this was not disclosed it is considered FRAUD by false and misleading information which also makes any written contract void. 

So the negotiable instrument ( payment coupon ) which is written out in a positive balance ( in the form of a check ), along with the statement that was sent to me the month of ( XXXX ) that I accepted for value and endorsed ( which I have proof of, and that it was delivered by mail with a signature that it was accepted ) ; meaning the act of placing a signature according to Article 3 of the UCC, an instrument signed by endorser or maker makes it a negotiable instrument. The Dictionary of banking terms validates this as well. Denying my negotiable instrument is grounds for discharge, according to UCC 3-603 if tender of payment is refused, there is discharge. 

Navy Federal is not acting out in GOOD FAITH because this information was not disclosed to me. Navy Federal is doing UNFAIR, and Deceptive practices to me by misleading the consumer and causing injury. Navy federal did not disclose that the credit/alleged obligation I am paying with my hard-earned money is not my obligation because I am the one that extended the credit not them.

I asked for verification of full disclosure, debt validation, where the money came from, and who the original creditor was, and Navy Federal did not provide anything. According to the law if debt verification is not made then navy federal is to cease collection of the alleged debt/obligation, and they continue to put my account in a negative status while ignoring the law so that to prevent any further injury I am forced to pay. Also according to the LAW if they do not accept my legal tender/coupon that is grounds for discharge. 

I, the beneficiary, also request that Navy Federal Credit Union, trustee, keep this credit line open for me to use while continuing to accept my signed coupon as payment or discharge of debt. 

I know Im the consumer and original creditor in fact and am aware Ive been violated. As a consumer, I am Federally protected under the FDCPA TITLE 15 CHAPTER 41, and it saddens me to know Navy Federal Credit Union takes pride in violating basic consumer rights. No one should ever have to experience what I have when it comes to anything that belongs to them and rightfully so. 

Stating the debt is valid will not be sufficient after I asked you to rebut my questions if Im wrong. You did not provide anything and ignored it. You are willfully violating my rights. 
Accept my coupon payment that was sent or discharge the alleged debt that by law is not mine, to begin with. 

Again, please notify EVERY credit reporting agency you are reporting to that this account is in dispute until we come to an agreement.

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