Consumer complaint received 2022-07-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union has yet to answer any of my affidavits directly. Nor has NFCU provided the accounting connected to this alleged debt. I, XXXX XXXX XXXX a living and breathing natural person demands proper validation of this alleged debt. 

XXXX XXXX XXXX XXXX XXXX XXXX house XXXX XXXX, a man hereinafter claimant, for : XXXX XXXX XXXX hereinafter Alleged Debtor, I advise you to read this ENTIRE LETTER. Disregarding information in this letter means that you can be subject to a {$5000.00} fine and/or litigation for not reserving my rights under U.C.C. 1-308.4 ( I am reserving my rights under U.C.C. 1-308.4 not to be compelled to perform under any contract or commercial agreement that I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact or commercial agreement. I have a right to sue you under the Common Law for violating my rights under the XXXX. ) Claimant has entered an AFFIDAVIT OF FACT for the cease and desist of all collection activities and removal of adverse information on my consumer report ; in commerce ; ( 3 ) An unrebutted affidavit stands as judgement in commerce ; ( 4 ) A matter must be expressed to be resolved ; ( 5 ) A claim can be satisfied only through ( a ) a rebuttal by counter affidavit point by point ; ( b ) resolution by a jury ; or ( c ) payment ( payment means discharging this debt and cease and desist all collection activities ) Claim : claimant 's offer to perform ( pay with Federal Reserve Notes ) upon PROPER AND COMPLETE DEBT VALIDATION ; COMPLETE ENTIRE DEBT COLLECTORS DISCLOSURE STATEMENT ; PURSUANT TO TITLE 15 U.S. CODE 1692g ; Claimant requesting documentation showing where I signed an agreement or contract where I was given FULL DISCLOSURE ; Claimant requesting documentation disclosing EQUAL CONSIDERATION ; Claimant requestion documentation where COMPANY/CORPORATION has my WET INK SIGNTURE, including where COMPANY/CORPORATION signed agreement/contract and not a third-party representative ; NOTICE : THE GOVERNING LAW OF THIS BINDING NON-NEGOTIABLE CLAIM IS PRIVATE INTERNATIONAL LAW AND IS FOR THE PURPOSES OF ESTABLISHING LAWFUL STATUS & REMEDY, AND IS NOT INTENDED TO THREATEN, HARASS, HINDER OR OBSTRUCT ANY LAWFUL OPERATIONS ; Silence is Acquiescence, Agreement, and Dishonor ; Estoppel conditions apply upon default ; From : XXXX XXXX XXXX, Beneficiary XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Non-Domestic XXXX XXXX XXXX XXXX of NAVY FEDERAL CREDIT UNION C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXXease & desist all collection activities IMMEDIATELY bearing my name pursuant to U.C.C. 1-308.4 Alleged Creditor : Navy Federal Credit Union Alleged Account : XXXX Alleged Amount : XXXX This letter is meant for the CEO and no other person is permitted to answer to this matter. Any effort to do so will be considered mail fraud and tampering with the mail which also holds possible imprisonment and fines per Title 18 U.S. Code 1701, Title 18 U.S. Code 1702, Title 18 U.S. Code 1703, and Title 18 U.S. Code 1708. Anyone who tampers with this mail other than the CEO or acting CEO of this corporation will also personally be named in the lien with the U.S. Treasury. 

Dear CEO of NAVY FEDERAL CREDIT UNION It has recently come to my attention that contracts were created without my KNOWLEDGE when the alleged ID number and alleged bank account was established with a NAVY FEDERAL CREDIT UNION which XXXX invalidate and violate my rights pursuant to U.C.C. 1-308.4 I, Darand Terrell Thompson , a Natural Person, am writing pursuant to the Fair Debt Collections Practices Act 15 USC 1692g , to inform you that I protest the alleged debt and alleged account/account/negative activity/ statement associated with ( reference accounts above ) with NAVY FEDERAL CREDTI UNION I do not believe that the Natural Person XXXX XXXX XXXX signed a contract with your private corporation stating I allegedly lawfully owe a debt operating under the name NAVY FEDERAL CREDIT UNION or I do not believe there has been an established KNOWN agreement and believe nothing exists. 

For The Record And Let This Record Reflect, So as of now I am sending out to your organization corporation this AFFIDAVIT OF FACT AND TRUTH - Statement of Bill Protest on Alleged Debt Owed & The Reporting of Such Alleged Debt To The Credit Bureaus, Thus I am requesting that you provide the following information ; until this protest of this alleged debt owed can be proven that this alleged so-called validated information is in fact reporting correctly and not violation Title 15 U.S. Code 1692 statues. If you refused to answer back in the allotted Thirty ( 30 ) days of the FDCPA rules and regulations, if unrebutted a XXXX XXXX will commence against you and give rise to a civil action against you for several violations of consumer protection and securities laws for fraud. 

Whereas, I of age, of majority, give this herein notice to all, I make a solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : If you disagree with my determination, I will expect you to document your position and authority with a counter affidavit point by point to the following expressed truths below : PLAIN STATEMENT OF FACTS Fact 1 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION owes an alleged debt in the state in which the company itself resides and it not required to adhere to Title 15 U.S. Code 1692b ( 2 ) and Title 18 U.S. Code 241, and I believe that none exists. 
Fact 2 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION HAS NOT practiced abusive, deceptive, unfair debt collection practices and is not required to adhere to Title 15 U.S. Code 1692 ( a ), and I believe that none exists. 
Fact 3 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CEDIT UNION was given prior consent to communicate with me ( communication means any medium including credit reporting agency ), HAS NOT communicated with me at hours and times not conducive to me and is not required to adhere to Title 15 U.S. Code 1692c ( 1 ) and Title 15 U.S. Code 1692c ( a ) ( 1 ), and I believe that none exists. 

Fact 4 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FFEDERAL CREDIT UNION HAS NOT used the profane language This Is Communication From A Debt Collector or the like/similar on mailed communications with me, HAS NOT put their logo on mailed communications with me that cause me mental anguish and not required to adhere to Title 15 U.S. Code 1692d ( 2 ), and I believe none exists.

Fact 5 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION has sent me, the consumer, initial written communication of the alleged debt, that the alleged debt will be reporting on my credit report and not required to adhere to Title 15 U.S. Code 1692e ( 11 ), and I believe none exists.

Fact 6 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION is not required to adhere to Title 18 U.S. Code 241, and I believe that none exists.

Fact 7 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION is not required to adhere to Title 15 U.S. Code 1681o, and I believe that none exists. 

Fact 8 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION has properly validated this alleged debt by providing copies of actual accounting, providing a signed INVOICE, a copy of a contract binding both parties ( me and you ) with wet ink signatures and not required to adhere to Title 15 U.S. Code 1692g, and I believe that none exists. 

Fact 9 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION WILL NOT be harmed in any way by ceasing and desisting collection activities, and believe not exists. 

Fact 10 : I have not seen or been presented with admissible evidence which demonstrates that NAVY FEDERAL CREDIT UNION HAS NOT caused me financial injuries, damages, mental anguish, and losses due to your violation of my privacy rights and doesnt have to adhere to ALL LAWS AND STATUTES of the Fair Debt Collection Practices Act, and I believe that none exists. 

UNDISPUTED CONCLUSIONS Title 15 USC Chapter 41 Consumer Credit Protection Subchapter III Credit Reporting Agencies 1681 is an act of Congress designed to protect natural persons ( 1692a says that the term consumer means any natural person obligated or allegedly obligated to pay anydebt. ) from abusive collection agency practices. 



NOTICE Notice to the Agent is notice to the principle. 

Notification of legal responsibility is the first essential of due process of law. Connelly v. General Construction Co., 269 U.S. 385, 391. 

Your silence stands as consent and tacit approval to this regard. If no rebutted reply point by point is delivered within 30 days you are agreeing to the foregoing and are legally estopped pursuant to : Carmine v. Bowen, 64 A. 932, 1906, silence activities estopped. 

I hereby reserve the right to make amendments to this document as necessary in order that the truth may be ascertained and justly determined. 

If any living body has information that will controvert and overcome this Declaration please advise me in writing by counter Declaration in affidavit form within 30 days form receipt thereof proving that this Affidavit is substantially false. 

I, the undersigned, do herewith declare, state and say that I am competent by stating the matters set forth herein and that the contents are true, correct, complete, and admissible as evidence, and not misleading by my best knowledge and belief. 

This document may be recorded and may be used at the discretion of its issuer under Rule 902 of the Federal Rules of Evidence including the jurisdiction of the State of ILLINOIS and the United States of America Reminder : This letter is meant for the CEO and no other person is permitted to answer to this matter. Any effort to do so will be considered mail fraud and tampering with the mail which also holds possible imprisonment and fines per Title 18 U.S. Code 1701, Title 18 U.S. Code 1702, Title 18 U.S. Code 1703, and Title 18 U.S. Code 1708. Anyone who tampers with this mail other than the CEO or acting CEO of this corporation will also personally be named in the lien with the U.S. Treasury.

My authority for making this demand for verification of your authority has been well established as follows : " Whatever the form in which the Government functions, anyone entering into an arrangement with the Government takes the risk of having accurately ascertained that he who purports to act for the Government stays within the bounds of his authority ... and this is so even though, as here, the agent ( s ) may have been unaware of the limitations upon their authority. '' Federal Crop Insurance Corporation v. Merrill, 332 U.S. 380 at 384 ( 1947 ).

Should you consider my position in error, please respond within the next 30 days with your reasons why point my point. You have 30 days to respond to the correspondence or you and your company will be committing fraud. 

A claim can be satisfied only through ( a ) a rebuttal by counter affidavit point by point ; ( b ) resolution by a jury; or ( c ) payment ( payment means the amount on the tender that was sent to your company ) Thank you for your cooperation and attention to this matter.

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