Consumer complaint received 2025-01-09 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: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
**Subject : ** Complaint Against PenFed Credit Union for Violations of Consumer Protection Laws **Description of Complaint : ** I am submitting this complaint to report PenFed Credit Union 's egregious violations of my rights under federal consumer protection laws. Below, I provide a detailed account of their actions : 1. **Failure to Respond to Debt Validation Request** - On XX/XX/year>, I sent PenFed Credit Union a debt validation letter via **certified mail**, requesting validation of an alleged debt. 
- I have confirmation of delivery ; however, to date, they have failed to provide any validation or proof of the debt. This is a violation of the **Fair Debt Collection Practices Act ( FDCPA ) **, which requires creditors or debt collectors to validate debts upon written request.

2. **Unauthorized Disclosure of Private Information** - I sent PenFed Credit Union a written notice explicitly prohibiting them from furnishing my personal information to third parties. Despite this, PenFed has continued to disclose or misuse my private information. This is a potential violation of the **Fair Credit Reporting Act ( FCRA ) ** and the **Gramm-Leach-Bliley Act ( GLBA ) **.

3. **Unlawful Attempt to Locate Me via Third Parties** - PenFed Credit Union sent a tow truck operator to the address of my tenant, located at [ tenant 's address ], in an attempt to locate me. 
- The tow truck operator questioned my tenant about my place of work and whereabouts. This constitutes harassment and a direct violation of the FDCPAs restrictions on contacting third parties about alleged debts. 
- My tenant has video and security camera footage documenting this incident.

4. **Account Closure and Harassment** - PenFed Credit Union unilaterally closed an account they associated with me, further engaging in harassing behavior. 
- I do not acknowledge any obligations as legitimate and would prefer not to hear from PenFed Credit Union again unless it is within a legal court proceeding. 

5. **Harassment and Invasion of Privacy** - These actionsespecially contacting unrelated third parties at their private residenceare highly intrusive and have caused undue stress to both myself and my tenant. 

**Relief Sought : ** I request that the CFPB investigate PenFed Credit Unions actions and hold them accountable for the following : - Failing to respond to my debt validation request sent via certified mail on XX/XX/year>. 
- Violating my privacy by disclosing my information to third parties without authorization. 
- Harassing me and my tenant in violation of the FDCPA. 

Additionally, I seek : - Immediate cessation of all unlawful and harassing activities by PenFed Credit Union. 
- Confirmation that PenFed Credit Union will no longer attempt to contact me or third parties about this matter unless through legal proceedings. 

**Supporting Documentation : ** I am prepared to provide the following evidence upon request : - A copy of my debt validation letter sent via certified mail on XX/XX/year>, along with proof of delivery. 
- A copy of my notice requesting that PenFed not share my information with third parties. 
- Video recordings and security footage of the tow truck operators visit to my tenants address.

- Written statements from my tenant detailing the interaction with the tow truck operator.

**Conclusion : ** PenFed Credit Unions actions are unacceptable and clearly violate my rights under federal consumer protection laws. I respectfully request the CFPB to investigate this matter and enforce the appropriate remedies. 

Thank you for your attention to this urgent complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation