I am writing to request assistance in handling an important matter with Pentagon Federal Credit Union ( PFCU ) .In 2010, I received I received a letter that I had maxed out on a line of credit with this financial institution. This was the first I had heard of any sort of line of credit with PFCU. I mad inquiries to discover that there was in fact a loan that listed jointly in my name and my ex-wife 's name. I had no knowledge of such loan. When I asked for loan documents where I surely would have been required to sign, I was told that the loan was overdraft protection linked to my checking account. I then asked for documentation to indicate that I had requested such overdraft protection. Thus far, I have received a promissory note with no signature and documents for the checking account with no indication that a line of credit was attached. I asked that the line of credit be closed immediately. 
When I pointed this out to PFCU, I was told that notices were sent out whenever the line of credit was used. I requested copies of these " notices '' but that request was not fulfilled and I never saw these notices. 
After making several payments on the loan when I was still married, I discovered that the balance was much the same as it was when it was maxed out. I called to inquire and was told that the line of credit was never closed. I again requested that it be closed. Months later, I experienced the exact same issue. 
How is one supposed to protect thier money and financial interests with PFCU when such a loan existed without signature? The continued response I received was, " you 're liable and payments must still be continue to be made. '' Futher, I have paid of XXXX vehicles with PFCU and they are holding the titles of those cars against this loan that is completely isolated. I am arguing to be removed from this line of credit as PFCU has misused my membership. 
1. ) I never signed for this loan and the signature block of the promissory note is PFCU provided is blank. 
2. ) There is nothing on my checking account application or check card application to indicate I had knowledge that a line of credit was linked as overdraft protection. There is a line which states " XXXX as applicable, '' however, how is any customer to know what " XXXX '' stands for and why would it matter to a customer if they know no such thing is applicable as they must have knowledge of it. 
3. XXXX vehicle car titles/ are being held despite loans being satisfied over a year ago. 
