Consumer complaint received 2022-10-20
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Upon the investigation of Navy Federal Credit Union Billing error dispute. I have found that Navy Federal Credit Union has violated the The Truth in Lending Act, Fair Credit Reporting Act, and Fair Credit Debt Collections Practices act. I XXXX XXXX the natural person, a cardholder, obligor of account # XXXX. Has found that Navy Federal XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has breached their fiduciary duties. 
I am aware that I XXXX XXXX, consumer/cardholder has notified Navy Federal Credit union and its agents on notice XX/XX/XXXX. I have contacted them through the online portal as stated on back of the billing statement of consumers billing rights dated XX/XX/XXXX as well. Notice was sent out to Navy Federal Credit union billing Disputes department to address listed on back of billing statement. I have also sent a following notice of billing error dispute to Chief Executive Officer XXXX XXXX as well as Chief Financial Officer XXXX XXXX XXXX informing them of the billing error dispute on XX/XX/XXXX. This notice has been sent via Unites States Postal Service certified tracking mail service. The United States Postal certified tracking service has notified me that notice ( s ) was indeed delivered to creditor financial institutions mailing address on file on XX/XX/XXXX at XXXX. During the process of notifying Navy Federal Credit union and its agents, I have been not able to access my online portal, or even access any of my cardholder benefits. Navy Federal Credit Union took adverse action on me as to block access to my beneficial service with them in order to coerce payment. Not only has Navy Federal Credit union failure to update there system and allow the dispute to be investigated accurately, They have committed fraud and aggravated identity theft in the process with furnishing false and deceptive information to Consumer credit reporting agencies. this has been fraudulently furnished information with forethought and malice as a means of bringing harm to me and my financial reputation, as well as it has violated my privacy rights as a consumer. I am aware that the law states that no financial institution can furnish a late payment on a credit card account under no circumstances, Pursuant to 15 USC 1666b. Congress also states that without my lawfully consent no one shall furnish a consumer report without my lawfully consent. I have not given Navy Federal Credit Union my consent to allow non-affiliated third parties such as the Consumer Reporting Agencies to furnish false and negative information. This has been done with retaliation against me to conspire against my rights.

Navy Federal has also taken payment out of my checking account XX/XX/XXXX, XXXX. The statement shows the inaccuracies of being charged interest charges as well as a late payment charge. 
I am aware that Navy Federal Credit Union refuse to do the proper investigation upon my notices of billing dispute. I have been sent back the response of billing error dispute from Chief Financial Officer XXXX XXXX XXXX on XX/XX/XXXX via XXXX overnight mailing service. It shows the response was mailed out XX/XX/XXXX. I have also sent a follow up responses to make sure that Chief Executive Officer XXXX XXXX and Chief Financial Officer XXXX XXXX to be notified of there breach of fiduciary duties in this billing error dispute. Notices was sent XXXX via United States Postal Office tracking service notified me that it was delivered to ceo, cfo offices XXXX, I received rebuttal response from cfo XXXX XXXX XXXX XXXX XX/XX/XXXX and office of ceo XXXX XXXX XX/XX/XXXX XXXX The agents name on the form was not address as what was attention to it was sent back and notified that an XXXX XXXX XXXX sent the response to me. The response delivered to me was non other than a false and misleading as false beliefs as XXXX XXXXstates the debt is valid by sending false and deceptive forms as a validation of the debt. XXXX XXXX and refuses to investigate or send documentary evidence as requested instead a rebuttal response of copied notices that I sent to notify Navy Federal Credit Union account XXXX is a billing error. Congress also makes me aware as the consumer, natural person that has rights am allowed to exercise my rights and to be given adequate notice of the indebtedness of a valid debt. This alleged debt that XXXX XXXX pertains I owe is only due to the me as the cardholder, obligor, consumer card member agreement. The card member agreement does not prove the evidence of a consumers indebtedness. The agreement was suppose to provide me as the consumer, cardholder, natural person a printed notice which sets forth the pertinent facts Clearly and Conspicuously. I have not ever received adequate notice and did not receive no benefit from the consumer credit transactions. I did not give implied or apparent authority for such use from & from which the cardholder receives no benefit. The card member agreement by far constitutes as fraud. Not only is the card member agreement constituting as fraud is void and all security and interest must be returned to the cardholder, obligor, consumer. 
Navy Federal Credit Union has caused so much stress and discrimination towards me and my family household. This matter was escaladed to CFPB for aided help with this matter. If Navy Federal Credit Union doesnt solve this matter I will seek litigation against them. 
Navy Federal Credit union has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any non affiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. 
Navy Federal Credit Union be is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates XXXX, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. 
As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 
It has also been brought to my attention that Navy Federal Credit Union billing statements show that a billing error shows a balance in the positive status and what has been paid by the consumer/cardholder/obligor is reported in the negative status. I am aware that any time a positive balance is shown on a periodic statement is a surplus and a surplus is a credit balance in the excess of {$1.00}, is deemed to be retuned to the consumer/cardholder/obligor via certified funds, cash, money order. Navy Federal Credit Union has omitted this information to continue to provide the consumer with false beliefs that a debt is their obligation. I am also aware that, Pursuant to 18 USC 8 The United States defines 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. 
Navy Federal Credit Union is furnishing a deceptive form creating false beliefs to me as a consumer that a natural person other than a creditor of such consumer is participating in the collection of or attempt to collect a debt. Due to Navy Federal Credit Union false and deceptive creating false beliefs that I owe this alleged debt on account # XXXX is considered Racketeering and extortion Pursuant to XXXX XXXX XXXX ( XXXX ). XXXX states that this is chargeable under state law an punishable by imprisonment for more than XXXX year. 
Navy Federal Credit Union along with the help of the XXXX XXXX Agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof. This is a violation of XXXX XXXX Code XXXX and XXXX XXXX Code XXXX and everyone involved shall be held criminally liable for engaging in racketeering activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief