Consumer complaint received 2024-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
As the Consumer/creditor, Navy Federal Credit Union is in violation for several federal laws of conspiring with two other companies " XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX of XXXX, XXXX, XXXX towing company '' and " XXXX XXXX XXXXXXXX '' a Storage company based in XXXX, PA '' to steal my property a XXXX XXXX XXXXXXXX XXXX XXXX XXXX Navy Federal violated my privacy under 15 USC 6802 obligations with respect to disclosure of personal identification which they violated by giving my personal information to a third party to steal property without due process and the another company to store my property for ransom which is a violation and they conspired under 18 US code subsection 894 to punish any person for the non-repayment; for collection of extensions of credit by extraordinary means so they utilized a third party to try to extort money from me for non-repayment of an obligation when payment was made in full by negotiable instrument certified and sent in the mail without return, to their remittance processing center. And 15 USC 1692 ( g ) by not Validating the debt By Affidavit of Judgement when ask by Affidavit and Notice. Navy Federal along with its representatives violated federal law 15 USC 1692 ( f ) by breaching the peace when they were told not to take the vehicle but stole it anyway. Along with these violations Navy federal is in violation of the tender of payment law under : North Carolina general statute subsection 25-3-603 tender of payment ( a ) if a tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.

( b ) if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused there is discharge to the extent of the amount of the tender of the obligation of an endorser or accommodation pardon having a right of recourse with respect to the obligation to which the tender relates.

Navy Federal has violated this federal law of tender of payment with a negotiable instrument this has put Navy Federal in Dis-honor UCC 3-502 And also in violation UCC 3-501 of a presentment.

The above info was to give some background. on what's going on and what was violated.

I also in my many notices/Affidavits correspondences, " with no rebuttal '' with Navy Federal Credit Union I asked that all adverse negative information be erased from my credit report because payment was made and not excepted which put them in Dis-Honor.

The documents you're asking for below has already been submitted to Navy Federal Credit union in an administrative process by affidavit and no rebuttal. what i want to know is what is your response to them for not complying with those sad notices\ Affidavits documents.

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