Consumer complaint received 2024-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
See following letter It appears that I have to submit a new complaint to get thewse issues addressed instead of folkowing up on my old complaing XXXX XXXX Attorney at XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXr Vice President, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Subject : XXXX XXXX AccessYour letter of XXXX XX/XX/year> CFPB Complaint Number XXXX XXXX. As I have revoked my authority previously given to XXXX to possess any of my financial information, I am considering XXXX  threat to delete my financial history in response TO an and an aggravation in explicit violation of the Fair Debt Collection Practices Act which would justify collection of damages, punitive damages, and attorneys fees. You should ask XXXX and the Pentagon Federal Credit Union what their current authority in Creditor information held by XXXX  is and their authority to possess this information as their agency has been revoked. I do not think they would like to explain this to a federal judge when an injunction is demanded. 

2. I have not had and do not have any relationship with any XXXX  named XXXX An elementary examination of the work page shows this company to be a wholesale like XXXX  which distributes services to business news companies. While I can understand Pentagon Federal Credit Union using the servicesand XXXX  for peculiar reason not knowing this, here are the records that I have received. 
1 Event Time IP Address XXXX  Name XXXX XXXX XXXX Country XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas ( Finally, an XXXX  I recognize ) XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX. A closer examination of all the transmissions will show that I sent no email to XXXX  through XXXX I had to look to see what the nature of the services was. I can say that except for Spectrum, which was the genera XXXX  service I used at the time, and 4. 
XXXX XXXX XXXX to XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX. 
XXXX. 
7. XXXX XXXX ( I have not heard of this company ) the probable origin on each of these emails would be. 


To XXXX XXXX Transmission by Penfed.com to XXXX In other words, each of the transactions were routine communications by me through XXXX  to make payments. My listed address never changed : the IP address used by Penfed changed. 

XXXX. Of course, if XXXX requires confirmation of this from XXXX does not reflect well on the minimal quality of XXXX, I can have them provide you with this basic information. 

XXXX. As XXXX has more than XXXX ISP connections, and as XXXX  is a national company, I am exceptionally doubtful that either XXXX or XXXX is on any forbidden block list by XXXX. There is no banned XXXX  from my home address, which is blocked, and I have a profoundly serious question as to whether there are any fraud rules which are being violated, other than messages coming from normal XXXX. A competent ( intended use of word ) XXXX  security provider would see that the messages were not coming from my XXXX. You may want to ask them for a copy of their fraud list to include both XXXX and XXXX. If they produce such a fraud list, I will be happy to forward the information to both companies. I have some reason to believe that they will not be able to produce such a fraud list. 

10. My request to restore my XXXX XXXX was caused by PenFeds inability to deal with the now multiple reasons why I do not have XXXX XXXX. I am ready to discuss these reasons both administratively and judicially. 

11. After a while, communications with your offices was becoming useless and I specifically DID NOT ASK for cancellation of my accountin case you are attempting to deal with my problems with XXXX  by using eraser over my financial XXXX XXXX Letter to XXXX XXXX XXXX XX/XX/year> Page 3 \ information have asked for my revocation of my authority to use my financial information Your threat to delete information that you have no authority to possess is specifically being provided to the Consumer Financial Protection Board for prosecution. If you end up deleting the records, I will see you in a United States District Courtroom. 

12. I note your statement that XXXX supposedly keeps only a 90-day listing of my transaction history, when in fact they keep a multi-year listing of my payments to XXXX through another part of letter. I do not like word playing. 

13. The attached list shows XXXX approved payment in XXXX when they were supposedly aware of alleged fraudulent conduct in XXXX ( citing from the same letter ), and were denying me access to my XXXX XXXX Account. I will let the Consumer Financial Protection Board resolve this ambiguity. 

Your letter of XXXX XXXX has been most helpful to me, but probably not for the reasons that you anticipate. 

Respectfully, XXXX XXXX Attorney at XXXX XXXX XXXX XXXX XXXX, Texas 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