Consumer complaint received 2024-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This is not a duplicate complaint- This correspondence serves to address and distinguish from previously filed complaint # XXXX Subject : Clarification and Legal Challenge Regarding Vehicle Repossession Threat by Navy Federal Credit Union To Whom It May Concern, This correspondence serves to address and distinguish from previously filed complaint # XXXX, This is not a duplicate complaint. It is my understanding that Navy Federal Credit Union ( hereafter referred to as " Navy Federal '' ) is considering the repossession of a vehicle that has been legally discharged. This action is a result of Navy Federal 's refusal to acknowledge and process the negotiable instruments I have repeatedly submitted. 

In several instances, I have provided affidavits, duly signed and sealed, to Navy Federal 's principal, outlining the details of the consumer credit transaction in question. To date, these affidavits have neither been acknowledged nor responded to by Navy Federal, thereby placing them in a position of default. I have requested, without success, that Navy Federal furnish documentation substantiating their legal claim to United States Dollars as a part of this transaction. 

This matter bears resemblance to the case law established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, where it was recognized that the banking practices involved in creating money or credit on the institution 's books are standard. Despite this precedent, Navy Federal has failed to provide any lawful justification under United States statutes for their actions.

Moreover, Navy Federal 's communication regarding my account states that the information provided is for compliance and/or informational purposes only, and not an attempt at debt collection. This conflicts with the threatening nature of the communications concerning vehicle repossession, which is causing undue emotional stress and XXXX. 

It is important to note that the vehicle in question is part of a Trust recorded in XXXX XXXX, FL, holding the first lien, and is thus protected against repossession. Despite requests, Navy Federal has not provided necessary information for initiating arbitration in this matter. Additionally, Navy Federal 's actions app
ear to be in violation of Title 15 USC 1692, which prohibits abusive, deceptive, and unfair debt collection practices, and Title 15 USC 1692f, which prohibits the use of unfair or unconscionable means in debt collection. Specifically, Navy Federal 's engagement with a third-party for repossession efforts may infringe upon 15 USC 1692f ( 6 ), which restricts nonjudicial actions to dispossess or disable property without a present and enforceable security interest.

I am seeking immediate clarification and remediation regarding these matters and anticipate a prompt and lawful resolution. I am also seeking the title to my vehicle free and clear.

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