Consumer complaint received 2023-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against BOEING EMPLOYEE CREDIT UNION / BECU, reference XXXX for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of XXXX XXXX  XXXX, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

As a federally protected consumer, I am making this complaint against BOEING EMPLOYEE CREDIT UNION / BECU, for committing identity theft. I have never given BOEING EMPLOYEE CREDIT UNION / BECU, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under XXXX XXXX XXXX XXXX ( XXXX ). 

I have not validated any alleged debt with BOEING EMPLOYEE CREDIT UNION / BECU and my failure to dispute the validity of the alleged debts shall not be construed as an admission of liability pursuant XXXX XXXX XXXX ( c ). As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving BOEING EMPLOYEE CREDIT UNION / BECU any right to collect on this alleged debt. 

I have never received any documentation requesting validation from XXXX XXXX XXXX XXXX / BECU, before they committed multiple violations under FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to XXXX XXXX XXXX ( XXXX ) which the FTC defines as debt parking. If BOEING EMPLOYEE CREDIT UNION / BECU, can not provide me proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to XXXX XXXX XXXX XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until BOEING EMPLOYEE CREDIT UNION / BECU, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and BOEING EMPLOYEE CREDIT UNION / BECU, continues its collection efforts, I will file for litigation for actual damages caused and BOEING EMPLOYEE CREDIT UNION / BECU, shall be liable for violations of XXXX XXXX XXXXXXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX, and XXXX Act. XXXX XXXX XXXX XXXX / BECU shall be held accountable for actual damages caused, and shall be held criminally liable for aggravated identity theft pursuant to XXXX XXXX XXXX, extortion, theft by deception, securities fraud, and mail fraud. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant XXXX XXXX. Your prompt attention and response are both requested and required.

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