Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
b"XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nAccount Number: XXXX XXXX XXXX XXXX\nDate: XXXX XXXX XXXX\n\nTo:\nNavy Federal Credit Union\nCredit Card Division\nXXXX XXXX XXXX XXXX XXXX\n\nRE: Notice of Claim Regarding Valid Tender of Negotiable Instrument  Tracking XXXX XXXX XXXX XXXX XXXX\nTo Whom It May Concern:\n\nThis letter constitutes a formal Notice of Claim pursuant to your Credit Card Agreement and applicable law, including Uniform Commercial Code (UCC)  3-104 and 3-603.\n\nOn XXXX XXXX XXXX, I lawfully tendered full payment of the outstanding balance on my account via a valid negotiable instrument, mailed to Navy Federal Credit Union. This instrument conforms to all elements required under UCC  3-104. USPS Certified Mail tracking number XXXX XXXX XXXX XXXX XXXX confirms Navy Federal's receipt of this instrument.\n\nAs of the date of this letter:\n\nNavy Federal has not returned the original instrument;\n\nThe tendered payment has not been applied or acknowledged;\n\nNo lawful reason has been given for rejection of the payment.\n\nUnder UCC  3-603(b), an obligation is discharged to the extent of a valid tender of payment, even if that tender is refused without justification.\n\nDEMAND\nYou are hereby notified that Navy Federal must, within 14 calendar days of receipt of this letter:\n\nReturn the original instrument to the address listed above via tracked mail,\nOR\n\nConfirm that the XXXX debt has been discharged and that my credit line has been increased to XXXX in acknowledgment of the correction.\n\nFailure to act within this period may be interpreted as constructive agreement to the terms above and a waiver of any further right to contest the discharge. I reserve the right to escalate this matter to the Consumer Financial Protection Bureau and/or pursue lawful remedies available under commercial law and UCC provisions.\n\nFurther Clarification on Presentment\nPursuant to UCC  3-501, presentment is defined as a demand made by or on behalf of a person entitled to enforce an instrument for payment. This demand must be made at the proper place and time, and the instrument must be exhibited if requested.\n\nOn XXXX XXXX XXXX, I lawfully presented a valid negotiable instrument via certified mail. USPS Tracking XXXX XXXX XXXX XXXX XXXX confirms receipt by Navy Federal. The instrument met all requirements of UCC  3-104 and was submitted with lawful intent to discharge the account obligation.\n\nUnder UCC  3-502, Navy Federals refusal to accept or return the instrument constitutes dishonor. As supported by UCC  3-603(b), this dishonor and retention discharges the obligation to the extent of the tender. This presentment is now deemed legally sufficient to establish discharge and bar further collection.\n\nSincerely,\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX"

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