Consumer complaint received 2021-01-30
Product: Debt collection 
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint:
On XX/XX/XXXX a sworn Affidavit of Truth Was Sent by certified mail in regards to 9 Federally Protected Consumer Violations under 15 USC 1692 Please be advised from sworn Affidavit of truth PenFed Credit Union failed to validate my debt request. In fact there respond is attached below as Exhibit A.In addition to pursuant to The Fair Credit Reporting Act15 USC 1681a ( 2 ) under Exclusions of a Consumer Report 1681a ( 2 ) Except as provided in paragraph 3 the term consumer report does not include -- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. Pursuant to the definitions section of Truth In Lending 15 USC 1602 ( l ) the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Fact I am aware the card used to initiate this credit transaction was my social security card. Therefore any transaction that arose from this credit card should not be furnished on my Consumer Report. 


Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that PENFED CREDIT UNION is in violation of 15 USC 1692b ( 5 ) and 15 USC 1692b ( 2 ).

Fact, affiant is aware that PENFED CREDIT UNION did not validate the alleged debt pursuant to 15 USC 1692g and is in violation for failure to validate the alleged debt by my request made on via certified mail XX/XX/XXXX. In fact PENFED CREDIT UNION provided documents in the form of positive statements along with deceptive and misleading forms of information. 


Fact, affiant is aware and has proof in which exhibit A attached PENFED CREDIT UNION is a debt collector under definitions sections of the FDCPA 15 USC 1692. ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.

Fact, affiant is aware and has proof in the attachments labeled as Exhibit A stated that a debt was allegedly owed, in Exhibit B, Exhibit C, Exhibit D, Exhibit E, Exhibit F, and Exhibit G PENFED CREDIT UNION is in violation of 15 USC1692 ( e ) ( 2 ) ( a ) of the amount of alleged debt owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation