Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
1. Lack of Lawful Consideration : Navy Federal Credit Union, a bank/mortgage company, for instance has failed to provide proof of lawful consideration for the debt they claim is owed. Despite my repeated requests, they have refused to provide the necessary documentation that would substantiate that funds existed on their balance sheets prior to the loan contract or that a loan was actually extended. Without lawful consideration, there can be no legitimate debt, as the financial transaction is inherently fraudulent. Therefore, any attempt to collect on such a fabricated debt constitutes an unlawful collection practice. 2. Fraudulent Loans and Falsification of Records : The loan obligations asserted by these institutions, specifically Navy Federal Credit Union Services, are based on transactions that appear to have been fabricated on their balance sheets. For example, NFCU and XXXX was awarded a replevin order in XXXX ( Case Number : XXXX ) despite the absence of any legally enforceable debt. Similarly, Navy Federal Credit Union 's refusal to provide proof of loan documents leads me to believe that these loans were never properly underwritten or authorized. This amounts to fraud, as the debts being pursued by these institutions do not reflect legitimate financial obligations. 3. Failure to Prove Loss : The financial institutions involved have been unable to demonstrate any legitimate loss on their part, which is a requirement to pursue debt collection. Given the lack of documentation proving that these loans were both valid and issued in good faith, these institutions have no legal standing to seek repayment through replevin, repossession, or auction. They are attempting to collect on debt obligations that can not be substantiated, and their actions are therefore unlawful. 4. Violation of Consumer Protection Laws : The fraudulent debt collection practices employed by these institutions violate both federal and state consumer protection laws. The institutions have failed to adhere to proper procedures under the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect debts that can not be verified as legally owed. Additionally, their actions violate the provisions of the Truth in Lending Act ( TILA ), as they have failed to provide adequate proof of loan agreements and related terms. This constitutes both illegal collection activity and a fraudulent misrepresentation of their financial dealings. Violation of the RICO Act The coordinated actions of these institutions, spanning multiple states and involving a pattern of fraudulent practices, constitute a clear violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act. Under 18 U.S.C. XXXX ( c ), it is unlawful for anyone associated with or employed by an enterprise involved in interstate commerce to conduct its affairs through a pattern of racketeering activity. In this case, the fraudulent collection of unlawful debts constitutes racketeering activity under RICO, which specifically includes fraud and the use of deceitful practices to affect interstate commerce. The repetitive and deliberate nature of these actions by multiple financial institutions involved in this pattern of behavior meets the legal definition of " racketeering activity '' and satisfies the " pattern '' required for a RICO violation. Further Actions Taken I have also filed formal complaints with the New Jersey Attorney Generals office, the Consumer Financial Protection Bureau, and other relevant authorities. Additionally, I have made this matter public through my NJ Superior Court case jacket to encourage others who may have been victimized in similar ways to file their own complaints. Given the severity of these violations, I respectfully request that the FBI initiate an investigation into the actions of these financial institutions and the ongoing unlawful debt collection practices under the RICO statute. I am prepared to provide additional documentation and correspondence, including affidavits, court filings, and records related to my communications with the institutions involved. Thank you for your attention to this serious matter. I look forward to your response and to any further steps we can take to bring justice to those impacted by these unlawful actions.

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