Consumer complaint received 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Date : XX/XX/XXXX Subject : Formal Complaint Against Navy Federal Credit Union for Misleading Practices , Alleged Debt Collection on a Paid Loan, and Mail Fraud Dear Consumer Financial Protection Bureau XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  made in the image of the Most High, who is XXXX  in my own right under natural law and the laws set forth by the United States of America , write to file this formal complaint regarding unlawful and deceptive actions perpetrated by Navy Federal Credit Union ( NFCU ). This matter concerns a vehicle loan that I have fully satisfied, yet NFCU continues to demand payment unlawfully, despite my clear position as a XXXX  individual and my legal right to be free from coerced payments.

I assert my standing as an XXXX XXXX  made in the image of the Most XXXX, who is XXXX  in my own right under natural law and the laws of the United States of America. I do not operate as a corporate entity, a person, or a legal fiction, and I claim my rights to personal freedom under the XXXX XXXX divine law and the XXXX of the United States. As affirmed in Bond v. United States, XXXX XXXX XXXX ( XXXX ), the Supreme Court acknowledges that the American people are XXXX  and not the government or the states. As a XXXX  individual, I stand on these legal foundations and demand the fair application of the law. 

Additionally, I reference 28 USC XXXX, which explicitly declares that all debts on this land are abolished. This legal provision directly supports my claim that NFCUs continued collection attempts are unlawful and without merit, as the debt associated with my vehicle has already been paid in full.

Key Issues 1. Alleged Debt Collection for a Paid Loan I have fully satisfied the debt associated with my vehicle loan. Despite this, NFCU continues to demand payment without providing lawful evidence to substantiate its claims. As per 28 USC XXXX, all debts on this land are abolished, and NFCU has no legal grounds for continuing to collect on a debt that has been paid in full.

2. Misleading and Deceptive Correspondence ( Mail Fraud ) NFCU has repeatedly sent letters through the mail that falsely claim I owe payments. These letters, which contain misleading and deceptive language intended to coerce and intimidate, constitute mail fraud under 18 U.S.C. 1341. This statute criminalizes the use of mail for fraudulent schemes and requires that these deceptive practices cease immediately.

3. Improper Vehicle Registration Requirements NFCU imposes vehicle registration requirements that are not applicable to personal property classified as consumer goods. Under 49 USC 14504a ( 10 ), registration laws apply to commercial vehicles, not private consumer goods. Additionally, the Motor Vehicle Theft Prevention Program ( 49 USC 12611 ) is a voluntary program and does not constitute a mandatory registration requirement for personal vehicles.

4. Classification of the Vehicle as a Consumer Good The vehicle in question is a consumer good, as defined under UCC 9-102 ( a ) ( 23 ), and is used solely for personal travel, not for commercial purposes. Consumer goods are defined as products primarily for personal, family, or household use, which includes automobiles used for personal transportation. Just as one does not register a television or refrigerator, there is no legal requirement for the registration of a vehicle used exclusively for travel.

5. False Claims and Financial Extortion NFCUs continued collection attempts on a debt that has been paid constitute financial extortion. This action violates 31 USC 3729 ( False Claims Act ), which prohibits false or fraudulent claims made for financial gain. Additionally, 28 USC XXXX  explicitly abolishes debts on this land, making any attempt to collect on a paid debt illegal and fraudulent. 

Legal Protections Supporting My Complaint XXXX. XXXX  Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As an XXXX XXXX made in the image of the Most High, I stand outside the scope of government-imposed obligations. The XXXX XXXX XXXX XXXX ruling affirms that American citizens are XXXX  individuals, and government entities or corporations must respect their rights and authority. 
XXXX. Mail Fraud ( 18 U.S.C. 1341 ) NFCUs use of the mail to send misleading letters that falsely claim payment is due constitutes mail fraud. This is a violation of federal law, and I request that appropriate action be taken to stop such practices immediately.

3. Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) The Fair Debt Collection Practices Act ( FDCPA ) prohibits the use of unfair and deceptive practices in the collection of debts. NFCUs demands for payment on a debt that has already been paid violate this law, and I request an immediate investigation and intervention. 
4. Consumer Goods Classification ( UCC 9-102 ( a ) ( 23 ) ) As an XXXX XXXX  made in the image of the Most High using my vehicle solely for personal travel, it is a consumer good, and no requirement exists to register such goods. This is consistent with the Uniform Commercial Code, which treats consumer goods as exempt from commercial registration mandates.

5. False Claims Act ( 31 U.S.C. 3729 ) NFCUs continued collection efforts on a debt that has been paid constitute false claims under the False Claims Act. I request that the CFPB investigate these actions and take appropriate legal measures.

6. Extortion and Coercive Debt Collection ( 28 USC XXXX  ) According to 28 USC XXXX, the United States has explicitly abolished all debts on this land. NFCUs attempt to collect payment on a debt that has already been settled is a violation of this law and amounts to financial extortion.

Requested Actions I respectfully request that the Consumer Financial Protection Bureau : 1. Investigate NFCUs actions, including the use of misleading correspondence and improper debt collection practices.

2. Require NFCU to produce lawful evidence that substantiates their claim that the debt remains unpaid.

3. Take action against NFCU for violating 18 U.S.C. 1341 ( Mail Fraud ), 31 U.S.C. 3729 ( False Claims Act ), and other applicable laws.

4. Ensure that NFCU ceases all collection attempts and updates my account status to reflect the debt has been satisfied, as per 28 USC XXXX, which abolishes any debt on this land.

Conclusion NFCUs actions in this matter are deceptive, unlawful, and violate federal consumer protection laws. As an Indigenous man made in the image of the Most High, I assert my inherent rights to be free from coercion, fraud, and unlawful demands. NFCUs misleading use of mail correspondence and improper collection practices are unacceptable. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action to hold NFCU accountable for its unlawful conduct. Please contact me at the phone number or email address listed above if additional information is needed. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

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