Consumer complaint received 2024-04-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (TX)

It has come to my attention that Navy Federal credit Union is engaging in illegal solicitation of a debt. Navy Federal credit Union claims that I owe this debt and that they are evoking the debt collection practice act by stating they are attempting to collect a debt. All that is alleged under the debt collection practice at Navy Federal has yet to provide me with the proof evidencing that I owe this debt. Attached is XXXX separate statements, as well as my CFPB complaint where navy federal states that this debt is valid and that they are acting as a debt collector, although Navy Federal credit Union disclosed to me that they are a creditor. What I find interesting is that Navy Federal credit union is admitting to committing not only securities fraud by fraudulently misrepresenting the statement of interest is a debt and not payable to me, but they are also engaging in Mail XXXX through aggressive and persistent solicitations. XXXX penal code defines solicitation as the act of trying to persuade or encourage another individual to commit a crime. Coercion is illegal! When sending this alleged debt Navy Federal Credit Union is supposed include a disclosure stating ( A ) the following notice : " This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer! Pursuant XXXX XXXX XXXX ( d ) ( A ) under NON-MAILABLE MATTERS. This disclosure has NEVER BEEN INCLUDED IN ANY OF THESE ALLEGED DEBT. Under this same subsection XXXX XXXX XXXX ( d ) : d ) Matter otherwise legally acceptable in the mails which ( XXXX ) is in the form of, and reasonably could be interpreted or construed as, a bill, invoice, or statement of account due ; but ( XXXX ) constitutes, in fact, a solicitation for the order by the addressee of goods or services, or both ; is nonmailable matter, shall not be carried or delivered by mail, and shall be disposed of as the Postal Service directs, unless such matter bears on its face, in conspicuous and legible type in contrast by typography, layout, or XXXX with other printing on its face, in accordance with regulations which the Postal Service shall prescribe- A ) the following notice : This is a solicitation for the order of goods or services, or both, and not a bill, invoice, or statement of account due. You are under no obligation to make any payments on account of this offer unless you accept this offer. ; or ( B ) in lieu thereof, a notice to the same effect in words which the Postal Service may prescribe.

Navy Federal is committing several counts of fraud not only mail fraud but attempting to coerce me into committing a crime as well. This bill never had authorization to even reach me and Navy Federal Credit Union did everything in their power to bypass all the necessary Federal Statues to protect my consumer protected right and solicit payment. 

I have made several attempts to rectify this situation with navy federal credit union via billing errors, asking for my copy B XXXX that I have never received to do my income taxes properly, I have requested the company ledger and all proof evidencing taxes, interests, securities and debt cancellation and they have REFUSED to give it to me. All the XXXX XXXX XXXX XXXX XXXX XXXX phone calls every single day have severely diminished my XXXX XXXX and to know this bill never had authorization to even be delivered that it was non-mailable has sent me into a XXXX XXXX XXXX XXXX. All the harassment and threats to turn off my services and the illegal reporting of this account to the major credit reporting agencies that have severely tanked my XXXX XXXX and made me unable to get goods and services on credit I desperately needed could have been avoided if Navy Federal Credit Union operated in good faith and with clean hands. If I do not receive my Copy B of my XXXX, a reimbursement of all my tender, a cease and desist of reporting my private transaction history to the CREDIT REPORTING AGENCIES AND EARLY WARNING SERVICES ( which is a violation of the terms of service I agreed too because navy federal doesnt report private information to non-affiliates but sold all my information to these credit reporting agencies which are not credit bureaus ), a reflection that my navy federal credit union trade line is paid in full & never late as well as the proper dispersement of principal, interest and credits to my person and any and all securities / money and so on navy federal took from me I will file a report to audit all accounts in my name and report them to the IRS and SEC for all their violations. 

We need not be at odds but I will not lye down and take this abuse and violation of my rights any longer.