Consumer complaint received 2022-04-05
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ; Navy Federal Credit Union I am requesting the accounting history of my alleged debt pursuant 9 -210 Request for Accounting : Request regarding list of collateral or statement of account. The reason for this request is because during my validation of debt request, NFCU sent me the name and address of the original creditor pursuant to 15 U.S.C 1692g. The documentary evidence I received from you, named me the original creditor ; it contained may name, address, without my signature. Please produce a signed copy of the promissory with my signature, agreeing to terms. The documentary evidence also shows a positive balance on my NFCU account, with an attached disclaimer saying Your account information is being provided for informational purposes only. Providing you with this information is not an attempt collect a debt. Account balance is positive, like you funded my account. But you report negative and inaccurate ( LATE PAYMENTS ) information to the XXXX major credit bureaus, which is a violation to Truth in Lending of 15 USC 1666b Timing of Payments, documentary evidence shows that there was a Finance Charge connected to this transaction. Pursuant 15 USC 1605 Determination of a finance charge, 'the finance charge is the sum of all charges '' so there should be no late payments, you were paid in full at time of this transaction. Remove all late payments immediately/produce signed copy of promissory note with my wet signature. 
Banks/Financial Institutions dont have the ability or power to loan money. Pursuant 15 USC 1602g, I am the creditor. Federal law of courts and various judgements have made it clear banks cant loan money they only borrow from consumers. Banks are in the business of purchasing securities, but in this case, there is no securities interest to be purchased. And pursuant 12 U.S.C. 1431 Powers and Duties of Banks, banks/financial institutions cant loan money. This is why I've asked for debt validation pursuant to federal consumer law. The process only gave me clear verification that I am the original creditor. The documentary evidence/accounting I am asking for will show this debt is already paid for or never existed. 
This alleged debt originated from my SSN card, which is a existing device use for credit. What is the universal document youre asked for in every consumer credit transaction i.e. credit card, mortgage, car loans? 15 U.S.C. 1602 ( l ) The term credit card means any card, plate, coupon book, or other credit devise existing for the purpose of obtaining money, property, labor or services on credit. My SSN belongs to the social security administration, and anything purchased with my social is the obligation of the United States, thats pursuant 18 U.S.C 8 Obligations or other securities of the United States. 
XXXX will be happy to settle any financial obligation I might lawfully owe as soon as I receive the following documentation from you ; Accounting pursuant UCC 9-210, Validation of debt pursuant to 15 U.S.C 1692g, of the Fair Debt Collection Act. The actual accounting, verification of the claim against me. A sworn affidavit or a hand signed invoice in the accordance of the Bill of exchange act 1882 Uniform of Commercial Codes Federal Fair Credit Reporting Act and the Georgia State statues of lawful purposes. The copy of a contract signed by both parties, birth parties and therefore binding both parties, please also provide me with a true and certified copy. Not a photocopy of the original note credit agreement under penalty of perjury and the unlimited liability and confirm the note has not been sold. Please also confirm the name of the individual who is the duly authorized representative from your company who has carried out the due diligence under the money laundering regulations XXXX and what actions he has taken in relations to this account. 
I hereby have given you 10 days to reply to this notice, from the above date. With a notice to send the recorded post, signed under full commercial liability and penalty of perjury assuring and promising me all the replies and details given to the above request are true and without deception, fraud or mischief. 

Your said failure to provide the affirmation documentation within 10 days from the above date to validate the debt will constitute in the agreement to the following terms that the debt didnt exist in the first place or the has already been paid in full. 
And that any damages suffered you will be held culpable, and any negative marks made to a credit reference agency will be removed immediately. You will no longer pursue this matter any further and you agree to pay all fee schedules. Please note I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone, should you do so I must warn you that calls could constitute harassment and I may take action under Section # 1 of the Protection of Harassment Act 1997 and the Administration of Justice Act 1970, S40, which makes all criminal offense for the creditor or a creditors agent to make demands for money which are aimed at causing alarm, distress, or humiliation because of their frequency or manner. 


1. Validate this according to 15 USC 1692g 2. Remove any all late payments 3. Remove Nave Federal Credit Union from my consumer reports.

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