Consumer complaint received 2025-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
A payment for XXXX using a Navy Federal Promissory Note Security Instrument was given to XXXX of XXXX on XX/XX/XXXX. XXXX XXXX  XXXX made a deposit into XXXX and it was accepted without any issue. Ten days later on XX/XX/XXXX an email is received from XXXX XXXX giving advice pertaining to the XXXX XXXX, expressing thanks and stating to enjoy the vehicle for many miles. Then on XX/XX/XXXX, XXXX XXXX sent an email stating : This is my third attempt via email, and between myself and a few members of our team here at XXXX of XXXX, weve made approximately 20 phone calls trying to reach you. We are doing our best to remain positive, but the situation we are facing is becoming increasingly urgent. As I mentioned previously, the check provided was rejectedinitially, we believed it was an issue on our banks end. However, after speaking directly with a representative from Navy Federal Credit Union, I was informed that the markings and purple ink on the check triggered issues on their side as well. The good news is that Navy Federal has now made all necessary adjustments in their system. All they need is a quick call from you granting permission to issue a new check and send it directly to our dealership so we can get this transaction funded as soon as possible. - end quote Why would a new cheque need to be issued if it was accepted and processed by XXXX? 
XX/XX/XXXX, XXXX XXXX sent an email stating : I am reaching out with urgency regarding the vehicle sold to XXXX XXXX, as we have made multiple attempts to contact you with no response. We were informed by Navy Federal Credit Union that, due to the lack of communication from all parties involved, if we do not receive a response promptly, their recommendation is to contact local law enforcement to recover the vehicle. - end quote XX/XX/XXXX at XXXX A female by the name XXXX XXXX with Navy Federal Credit Union called and stated that the cheque was rejected due to incorrect signing, that everything was ok, and to call XXXX. -end quote If the cheque was rejected we asked that they please return the original instrument used for the transaction because the cheque was accepted by XXXX XXXX Please tell me the laws that describe what was written on the cheque was wrong The markings were the codes : UCC 3-603 ; UCC 3-308 ; UCC 1-308 This is An Actual and Constructive Notice : Please return the original security instrument that was autographed and given to the dealership because the instrument was cashed at XXXX and the dealership was paid XXXX The dealership received the money and mentioned Navy Federal reversed the transaction on XX/XX/XXXX after it was already processed and they received the funds. 

Due to Navy Federal Credit Union 's actions, XXXX XXXX XXXX and/or XXXX of XXXX have repeatedly contacted XXXX XXXX XXXX XXXX and showed up unannounced to her domicile on multiple occasions, continue to harass, make threatening phone calls, send threatening emails, threaten to report the vehicle stolen to law enforcement, contacted XXXX, and continue to threaten to sue the beneficiary : XXXX, XXXX if she does not pay them XXXX. 
XXXX is no longer involved because they saw that the cheque was autographed in a lawful manner and with honor. 

The IRS has been put on notice of the transactions that occurred so govern yourselves accordingly. Please present a valid proof of claim under penalty of perjury that the debt was not paid and provide a full forensic audit of all transactions pertaining to the allege loan with 72 hours or you will owe {$700000.00} in lawful money and/or gold for multiple SEC, IRS, FTC, and CFPB violations XXXX The XXXX XXXX XXXX XXXX XXXX XXXX Federal Reserve, the Department of Treasury, and Office of Comptroller of the Currency will be put on NOTICE as well moving forward. This will be utilized in a court of equity as prima facie evidence of a contract. 

Provide proof of claim there is any money in circulation, is backed by anything of value, by which any debt including this one that lends to the possibility that Navy Federal might get paid by way of actual money. And that the value of the original security instrument utilized is not sufficient to discharge this debt under the following laws : Fair debt collection Practices ACT ( FDCPA ), 15 U.S.C. 1692 et seq., 1978 Title VIII of the Consumer Credit Protection ACT of 1978 The Indentured Trust ACT of 1939 HJR 192, 112 Statutes at Large 48, and P.L. 73.10 of 1933 The Securities Exchange Act of 1934 The Fair Credit Reporting Act Public Law No. 91-508 enacted in 1970 The Bankruptcy ACT of 1933 12 USC 411 , P.L. 97-280 UCC 1-103 , 1-308, 2-221, 2-104, 3-415-419, 3-500-510 15 USC 1635 & 15 USC 1692g Also provide these further items if associated with this matter in any fashion and or form. 
Federal Reserve form S3 registration statement, Federal Reserve form 424 ( b ) ( 5 ) prospectus, Federal Reserve form FR 2046 balance sheet ( s ), Federal Reserve form FR 2049 balance sheet ( s ), Federal Reserve form 2099 balance sheet ( s ), The Deed of Trust.

Chain of Custody This is a lawful request in accords with the aforementioned and the following : U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS - PART 5. DISHONOR 3-501. PRESENTMENT. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested. ( a ) " Presentment '' means a demand made by or on behalf of a person entitled to enforce an instrument ( i ) to pay the instrument made to the drawee or a party obliged to pay the instrument or, in the case of a note or accepted draft payable at a bank, to the bank, or ( ii ) to accept a draft made to the drawee. ( b ) The following rules are subject to Article 4, agreement of the parties, and clearing-house rules and the like : ( 2 ) Upon demand of the person to whom presentment is made, the person making presentment must ( i ) exhibit the instrument, ( ii ) give reasonable identification and, if presentment is made on behalf of another person, reasonable evidence of authority to do so, and ( iii ) sign a receipt on the instrument for any payment made or surrender the instrument if full payment is made. 

PENALTY UPON DIRECTORS FOR VIOLATION OF THIS ACT And be it further enacted that if the directors of any association shall knowingly violate, or knowingly permit any of the officers, agents, or servants of the association to violate any of the provisions of this act, all the right, privileges, and franchises of the association derived from this act shall thereby be forfeited ... And in cases of such violation, every director who participated in or assented to the same shall be held liable in his personal and individual capacity for all damages, which the association, its shareholders, or any other person, shall have sustained in consequence of such violation. 
Section 53 page 116 ; 38th Congress Volume 13 IRS form 3949A, W-7, W-8, W-9, FinCen 8300, FR 2046, Affidavit of Corporate Denial, 433 A and B, 4506 A Bill of Lading, Reporting Interference in Commerce, Tax Evasion with Full Audit of All Personal & Corporate Accounts The US Treasury Inspector General complaint will also follow if not honored US SEC Hearing with Securities and Exchange Commission complaint Administrative XXXX and Suit with Judgement in corporate and personal capacity for theft or lost securities Liquidation of All Properties and Liquidation of all Stock and Bank Accounts Public and/or Private Bench Removal and/or Bar Revocation Administrative Review The IRS has been put on notice of the transactions that occurred so govern yourselves accordingly. Please present a valid proof of claim under penalty of perjury that the debt was not paid and provide a full forensic audit of all transactions pertaining to the allege loan with 72 hours or you will owe {$700000.00} in lawful money and/or gold for multiple SEC, IRS, FTC, and CFPB violations XXXX 

See CFPB complaint number - XXXX See FTC complaint number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Reserve XXXX the Department of Treasury , and Office of Comptroller of the Currency will be put on NOTICE as well moving forward. This will be utilized in a court of equity as prima facie evidence of a contract.

: Witnesseth that : The grantor for all responsible party ( ies ), fiduciary ( ies ), defendant ( s ) et al., and/or assignee ( s ) handling this case for valuable consideration in return for the sum delivered in fee ( s ) and special deposit ( s ) into XXXX for XXXX XXXX XXXX XXXX account receivable ( s ), telephone call ( s ), any certified and/or registered mail, email ( s ) and fee ( s ), the receipt of which is hereby acknowledged on and/or before the execution of these present ( s ) does grant, bargain, sell and/or convey unto the grantee in sum certain amount of XXXX XXXX XXXX dollars XXXX in gold coin under your [ Title 31 5118 Gold Clause and consent to Sue ] charge against you and your agencies or contractors as part of the expressed terms of the trust, to which your bank charter and oath to the Constitution states you shall not interfere with the obligation of contract ( s ). This is your contract where you agree to pay master executive heir beneficiary, XXXX : XXXX and/or XXXX XXXX  XXXX XXXX XXXX XXXX FOR THE TRESSPASS of my unalienable rights, protected by The Ratification of the Proposed Constitution of the United States by the State of New York July 26, 1788, Article VII, Article I Section IX, and the Covenant of One Heaven comprising of the four major sections : Exodorium, Recitatum, Decretum, and Obsignatum and one hundred and forty four Articles that supersedes all.

NOTE : THIS DOCUMENT WILL BE MADE PART OF THE PUBLIC RECORD UNDER RULE 902 ( 4 ), ( 8 ) OF THE FEDERAL RULES OF EVIDENCE AND WILL BE USED TO ESTABLISH AN ADMINISTRATIVE RECORD WHICH WILL BE PROVIDED AS EVIDENCE IN ANY JUDICIAL PROCEEDINGS AT LAW OR EQUITY REGARDING THIS CASE IN THE EVENT OF ANY AND ALL BREACH ( S ) OF THIS AGREEMENT BY RESPONDENT ( S ) /PUBLIC OFFICIAL ( S
) /TRUSTEE ( S ) /FIDUCIARIES. NO ELECTRONIC SIGNATURES OR CUT-AND-PASTE SIGNATURES ARE ALLOWED ON ANY DOCUMENTS SUBMITTED TO THE TRUST. THE LORD SHALL JUDGE THE PEOPLE WITH EQUITY. PSALMS 98:9

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