Consumer complaint received 2021-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Unfortunately, I am a U.S. Veteran and I applied and was excepted on a mortgage in XX/XX/XXXX thru Navy federal Credit Union, XXXX XXXX XXXX. XXXX, VA XXXX Actual address, XXXX XXXX XXXX XXXX XXXX, VA XXXX I fell behind on my mortgage because I contract with the U.S. Federal Government and after I settled on my home at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX. ). I had two contracts with U.S. D.O.D. cancelled. 

I tried to work with N.F.C.U. and the kept coming back saying we need XXXX XXXX Dollars to reinstate your mortgage ( {$7000.00} ). The issue is as follow 's As of XX/XX/XXXX, I was fully aware my home going to foreclosure. However, I was not properly served. I was working for the XXXX XXXX. in XXXX XXXX. I called N.F.C.U. on Friday XXXX XX/XX/XXXX and spoke to the collections dept. The trustee never served with proper U.S. mail, Private processes and or the County Sheriffs dept per the Trustee. 

I explained I had a XXXX XXXX and I needed three weeks and I could get the XXXX XXXX Dollar 's paid. I was informed the home was up for auction at the Courthouse on Monday XXXX XX/XX/XXXX at XXXX XXXX. I explained I was not given notice by a Collections agency, N.F.C.U. and or a trustee I was not aware of had the account. 

Were as I was informed to speak to the trustee 's office in XXXX XXXX. obviously, I was told the same thing? It was being foreclosed on Monday XXXX XX/XX/XXXX at XXXX XXXX. Again, I explained I never received notice. I was put on hold ( Note I never cursed ex ), An attorney answered and said the same and that I would understand. I explained I would have filed a Chapter XXXX reorganization per the U.S. Constitution. 

The woman on the phone did not actual state but made herself clear therefore we will not collaborate with you Mr. XXXX. Obviously, she meant because I have as a U.S. born Citizen and U.S. Veteran rights that have been refused with criminal intent., However, I explained I was not notified of their office as a trustee was already involved and or the pending foreclosure over the weekend. I was out on hold again and she returned and said. Mr. XXXX, I have a copy of a U.S. Postal Service Certified Letter with it handwritten on it. Return to send er the property is vacant. 

I explained I have a leased tenant to help catch up in the property and I can supply them less to show the property was and is not vacant. I was hung up on and instead of calling back and risking being charged with a crime of XXXX I hoped and did not receive a return call. 

I called N.F.C.U. again and explained I was not properly served and my rights to file a ( Chapter XXXX Reorganization Bankruptcy ) was violated it went no wheres. I offered to recover any losses to N.F.C.U. in an unsecured note. I never received a response in two years. 

In closing this was an illegal foreclosure because I proved service was not properly made, l was violated and refused to be able to file a ( Chapter XXXX bankruptcy ), I am requesting intervention and N.F.C.U./ The trustee show the returned letter saying the property was vacant and I will supply the rent / Dep check and lease. Further I can prove there was an eviction of the tenant after the foreclosure. 

What I want. Since the home sold for excess of {$40000.00} XXXX dollars thinner, I owed, I owed in land records of XXXX XXXX. I am asking N.F.C.U. remove any records of the mortgage/ Foreclosure. As an undisclosed settlement for their conspiracy of Fraud. 

in return I have until XXXX XXXX, and I will be filling my complaint know later by thin the end of XX/XX/XXXX a civil action in XXXX XXXX for XXXX County V.A. The foreclosure laws were violated when service was not properly performed to. My civil rights as a U.S. Born Citizen / U.S. Veteran XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX My office mailing address for privacy reasons is as follows XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX

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