Consumer complaint received 2025-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX  Secured Party: XXXX XXXX XXXX  First Priority Perfected Security Interest Holder: Financial Statement: Record XXXX XXXX  Tax Assessment: To Be: In My Sole Discretion: free will; act;\n  On XXXX XXXX XXXX  Good Faith Intention: Attempt: Effort: to Enforce:\n Net Equity: With Honor and Good Clean Hands:\n Mailed by registered mail XXXX XXXX XXXX  US\nExercise my Sole: Discretionary Powers: Acknowledge: 12 CFR 330.5: \nFiduciary Relationship Deposit Insurance Coverage: \nFor Following Perfected Interest Financial Assets:\n\nAccount XXXX XXXX Collateral Description:\n Inventory XXXX XXXX XXXX XXXX XXXX XXXX \n            Certificate Of Title XXXX XXXX XXXX XXXXAccount # XXXX  Collateral Description:\nInventory 2XXXX XXXX XXXX XXXX XXXX XXXX            Certificate Of Title XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Signature XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   \nMembership Everyday Checking\n Account XXXX XXXX  Routing # XXXXn\nMembership Share Savings\n Account # XXXX  Routing # XXXX XXXXnI wasn't given Bona-Fide Warehouse Line of Credit at Consummation:\n\nOn Behalf Of:  XXXX XXXX XXXX Estate:\n  Held In Custody: Navy Federal Credit Union:\n\n1) Request: Return Certified Copies Of: OC-10 Authorizing Resolution:\nOC-10 Letter Of Agreement:\nOC-10 Official Authorization List Agreement: \nWith Borrowers Wet Signature: Pledging: Forfeiture Rights: Granting:\nNavy Federal Third-Party Custodian: First Priority Interest:\n To Hold:\nBorrower's: Obligors: Collateral: Patent Estate: Property: Rights; \n\n2) Request Certified Copy Maryland UCC 1 Search Certificate Showing:\nNavy Federal Credit Union as Secured Party holding first priority interest in or on:\nI XXXX XXXX XXXX Secured Party: First Priority Perfected Security Interest Holder: Financial Statement: Maryland Tax Assessment: XXXX\n\nFraudulent: Unlawful; Transportation of unregistered \nInterstate Instrumentality Securities; \nBY: United States: Mail: XXXX XXXX XXXX Local Political Subdivision:\n\nRemedy:\nReturn: Redeem: Rescind:\n All Open-End: Securities: Net-Equity: Gross Revenue;Net Equity: Accounts\n In Good Faith Standing: For Proper: Non-Commercial Open-End Family House-Hold Purposes:\n\n  Clear Title release Un-Perfected Security Holder Navy Federal Credit Union off::\n Titled Assets: \n \nA: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collateral Description:\n Inventory XXXX XXXX XXXX XXXX XXXX XXXX XXXX             Certificate Of Title # XXXX XXXX XXXX XXXX XXXX    Perfected Secured Party: XXXX  Self-Interest:\n                All Gross and Net-Interest Securities, Money, Collateral On Accounts\n            \n XXXX XXXX XXXX: Beneficial Entitlement; Holder: \n            Financial Statement: Record XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis is a Good Faith Intention Effort to Enforce in my Sole Discretion With a Fiduciary: Principal: Agency: Duty Of Loyalty and Good Faith:\n To protect:\n XXXX XXXX XXXX, Estate: from ill-gotten profit:\n to release all\n Perfected Securities and Voting-Shares Voting-Rights off\nXXXX XXXX XXXX XXXXstate"

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief