Consumer complaint received 2024-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a Navy Federal Credit Union Member, Access No. XXXX here in Georgia. 

On XXXX separate occasions Navy Federal unlawfully seized money in my account when it had no Lawful Authorization to do so. 

Navy Federal offered to help me in time of financial hardship and refused me assistance by denying multiple attempts to perform the account, instead, they embezzled and extorted me of monies in my account and caused financial hardship which embarrassed me when I got to the grocery store as upon checkout I realized there was no money in my account, and was unable to get to get groceries or go to my new place of work. 

I believe I am being charged more interest than allowed per XXXX XXXXXXXX XXXX, as it allows no more than 7 %. 

I believe Navy Federal is committing XXXX fraud and has violated my consumer rights by Navy Federals unfair and deceptive acts and practices ( i.e. XXXX fraud, securities fraud, misrepresentation ). 

Also, Navy Federal has retaliated against me when I sought them to cancel subscriptions on the credit card, and were unable to cancel said subscriptions, so I requested a new card, which on a recorded call, Navy Federal said would be to me within XXXX weeks, then they retroactively declined to replace the card thereafter. I feel that I am being discriminated against and not being treated as the consumer that I am. 

Correct me if Im wrong, if I have equity in the contract, why is it not being applied to the account, and if I dont have equity in this contract, theres a major fraud going on here, contract fraud, language fraud, XXXX XXXX ( see XXXX XXXX XXXX XXXX ). 

Being that my signature brought equity into this contract and made it a security ( see 18 U.S. Code 8 ), if I dont have a say in this contract, clearly this is fraudulent and is an unconscionable contract ( see GA Code 11-2-302 ). There is no way that I can provide the security interest and equity and Navy Federal is able to benefit and not me, as that would be unjust enrichment.

Navy is unwilling to acknowledge and perform due-bill ( s ) /due-check ( s ) /Payment Coupon ( s ) and has not applied any of those amounts to my account, which has resulted in billing error ( s ) ( see 15 U.S. Code 1666 and 15 U.S. Code 1666a ). 

If there multiple ways to discharge/satisfy liability of a debt, i.e. performance, assignment, XXXX, trust merger, accord and satisfaction, XXXX XXXX, why is Navy Federal seeking debt collection?

See 15 U.S. Code 1666b ( a ) ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

See 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I do not give permission or authorization to Navy Federal to report anything negative to my consumer report.

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