Consumer complaint received 2024-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
After NFCU refusing payments by mail using check, and NFCU misapplying payments in person using NFCU check, I tendered full payment for the full mortgage at the counter XX/XX/2024 in XXXX Dollars and asked for the change. NFCU received, had custody of and then returned our payment. We accepted the return as change due on our full pay-off of any alleged amount due. We maintained that no amount was due and that NFCU has defaulted on the payments that they owe us. In order to prevent adverse actions, we made a good faith effort and tendered payment for the full amount in coin on about XX/XX/2024. NFCU then posited that federal reserve notes as the only payment that that they accept. We identified Federal Reserve Notes are DEBT notes and can not pay a debt. To demonstrate, We then presented a XXXX dollar Federal Reserve Note and asked for {$1.00} in gold. NFCU branch manager stated that she doesnt have gold for Federal Reserve Notes . I explained that a Federal Reserve Note is a DEBT instrument and it even says " NOTE '' on it. 

I then wrote to the main office of Navy Federal Credit Union to define the " Thing '' that they are requesting for payment. They did not respond but instead wrote to the effect " your documents are invalid and do not release you from the debt '' They engaged in non-reponse in violation of RESPA. 

NFCU prevented us from making financial transactions online related to the mortgage account in an act of Conspiracy to Deny rights 18 USC 241. NFCU required use of a Third Party BKiconnect owned by XXXX XXXX which is seven percent owned by XXXX XXXX. NFCU failed to disclose payments made to XXXX XXXX relating to the mortgage. We expressly prohibited NFCU from using Third Parties like XXXX XXXX. NFCU required that inorder to perform any mortgage financial transactions online, that we must use XXXX XXXX and agree to all of the Notices. We do not consent. NFCU by their actions violated the Kentucky Constitution. The Kentucky Constitution prohibits coercion or any action against conscience. 

In the original discussions and as a pre-condition with engaging Navy Federal Credit Union for financial transactions on properties, our pre-condition was that there be no third parties. We intended to go with XXXX. However, the NFCU agent promised us that there would be no third parties, but in fact, NFCU has engaged a third party XXXX XXXX to run its dashboard and payment processing as evidenced by the loanspheres. bkiconnect.com used by NFCU. NFCU has not disclosed the fees it paid to its third party, in violation of RESPA. 

NFCU violated Article 1, Section 10, Clause 1 of the US Constitution on impairment of contracts. 

NFCU violated RESPA by their failure to provide adequate and reasonable answers to our qualified written correspondence concerning their disclosures and definition of " Thing ''. 

Since NFCU has engaged in predicate and subsequent acts, at least two in 10 years, they are subject to RICO violations.

NFCU engaged in wire fraud and was witnessed by the NFCU branch manager and three witnesses on about XX/XX/XXXX in Kentucky. NFCU made false statements using wire to mislead the branch XXXX and failed to provide check image for the XXXX payment saying that they did not have the image. We explained that NFCU security would have an image of every check that was sent to its processors and if it did not, then there is a gap in NFCU payment processing because NFCU returned the amount tendered. That issue was the subject of our prior notice to CFPB. That issue was not resolved. The misleading of the branch manager is a second issue involving wire fraud to further the scheme. 

Please see enclosed documentation.

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