Product: Checking or savings account

I used to have a checking account with Navy Federal in XXXX. This person put my checking account number on a check for {$9800.00} to Navy Federal Headquarters in Virginia on XXXX XX/XX/XXXX and then removed {$8900.00} on XXXX XX/XX/XXXX. I NEVER noticed the money in my account since, at the time, I did NOT check my account every day. Nothing was ever said to me regarding this check by Navy Federal until this year on XXXX XX/XX/XXXX when I presented to Navy Federal that my new Debit Card was NOT working. NOTE : The account in question was cancelled by myself, along with my husband 's checking account due to them changing their cash checking policies for my husband. I opened a NEW checking account on XXXX XX/XX/XXXX, and so did my husband. We were told to check out new Debit Cards by running a Balance Inquiry to see if they worked and they both did. Then on XXXX XX/XX/XXXX, I went to use my new debit card for gas, and it was declined. I went right back to Navy Federal and explained the situation. They had me test it on their ATM, to withdraw {$20.00}, and it told me " Your card is not set up for this type of transaction. '' I then went back to the XXXX  and asked why it said that. She then asked another XXXX to approach and explain what she was seeing on the screen. I was asked if I knew anything about a {$9800.00} fraudulent check put into my account in XXXX. I was shocked at this! We then went back to her office, and she began making phone calls regarding this issue, as they had also just taken the {$220.00}, I had deposited earlier that day, in cash, back out and applied it to this fraudulent check. 
When I returned home, I explained what was going on to my husband. He then began doing some investigating on this issue since it was NOT ME that deposited this check! He found out that the woman on the check XXXX XXXX XXXX went by quite a few different names and lived at a lot of different addresses. The address on the check " XXXX XXXX XXXX, XXXX, AL XXXX. ***ALSO, one of the addresses she lived at was XXXX XXXX XXXX XXXX, XXXX XXXX AL XXXX which my husband found out was an XXXX XXXX. It also turns out that this " XXXX  '' was sold on the same date as the check was written, XXXX XX/XX/XXXX. 
We are trying to get to the bottom of this because we have NOTHING to hide. I gave all this information to Navy Federal on XXXX XX/XX/XXXX and it was submitted electronically to the Headquarters in Virginia. They have accepted my proof but will not talk to me so that I may explain what they are looking at. I was told this when I called on XXXX XX/XX/XXXX when the XXXX 's told me to contact Security after a couple hours of turning in my letter of proof. 
It has now been 3 weeks total, and they are confiscating any monies deposited into my checking account, to the fact of {$3700.00} which was my Federal Income Tax Refund. This is so unfair and after doing more research, Navy Federal is to release my funds " temporarily '' back to me until their investigation is complete. I found that on the Consumer Protection Agencies website on XXXX XX/XX/XXXX. 
Please have them release my funds back to me as now my NC State Refund check will be going in soon and they will keep that as well. UNFAIR TO ME AS A CONSUMER! They've already decided I'm guilty without even letting me explain the proof that I had given to them. 
I am hereby filing a FORMAL COMPLAINT against Navy Federal Credit Union regarding this issue and have also submitted a complaint to the Federal Trade Commission. Report Number XXXX. 
I'm having issues with my printer so I can not scan anything to send other than what is already on my laptop 's hard drive.