Consumer complaint received 2023-06-16
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Subject : Urgent Matter : Unlawful Account Seizure and Depletion of Funds Alleged Debt without Substantiating Evidence is Violation of : 234 Pa. Code140.Rule140B-Contempt Proceedings.

28 U.S. Code 1746- Unsworn declarations under penalty of perjury. 

I hope this letter finds you well. I am writing to address a grave matter of utmost importance and urgency regarding the recent events involving my accounts at Navy Federal Credit Union ( NFCU ) and the subsequent depletion of my funds without any valid legal basis. 
First and foremost, I would like to reiterate that I find it incredibly perplexing and deeply concerning that such actions have been allowed to occur without proper evidence or substantiation, as well as the apparent disregard for the legality and ethical implications involved. It is disheartening to witness hard-working individuals being deprived of their rightfully earned income and expected to endure the challenges of raising a child alone, especially in the midst of a challenging economic climate. I am genuinely left with the impression that you want to leave me and my son homeless, having taken away every penny I possessed, all without providing any verifiable proof or valid documentation that would withstand scrutiny in a court of law. The impact on my mental well-being has been devastating. 
Before we can proceed with any further discussions or actions regarding this matter, it is essential to acknowledge that, as the director and beneficiary of my legal person/corporation, you had a designated period of 21 days to respond in writing and provide evidence of your legal and lawful authority as my public servant to engage with me. Until my terms are met and the evidence of authority is presented, I regretfully can not proceed any further. With all due respect, there is an outstanding matter that requires your attention and resolution. I can not consent to any proceedings until the evidence of authority has been provided. 
On XX/XX/2023, Navy Federal Credit Union allowed a third-party debt collector, with whom I have no debt or prior contractual agreement, to completely drain my savings account, which had a balance of {$1300.00}, reducing it to {$0.00}. Consequently, I am now left without any savings, a situation that is highly deceptive, unethical, immoral, and oppressive. This distressing turn of events has left me in a state of profound struggle as I endeavor to provide for my wife and son during this national recession. Furthermore, an amount of {$1700.00} was also withdrawn from my checking account. Prior to this incident, the combined balance of both accounts was approximately {$4000.00}. Although I can not recall the exact amount, I discovered that my savings account had been completely emptied, despite {$1300.00} being earmarked for my son 's upcoming summer vacation in XXXX with his mother in XXXX. This matter is of utmost importance and urgency to the well-being of my family. 
It is crucial to note that over {$3500.00} has inexplicably vanished from my account, with no transaction records or explanations provided to me. Upon discovering these fraudulent transactions, I immediately contacted Navy Federal Credit Union to report the incident. To my shock, I was informed that they had received a legal document containing only my name and an account number, as relayed to me by their representatives. It is truly bewildering that a mere piece of paper lacking the wet ink signature of a judge, magistrate, or court official can prompt my bank to authorize the depletion of my personal property. When I requested the representative to provide me with the name of the judge and the county they represent, I was informed that there was no judge 's name or signature, only a reference to a courthouse. This absence of judicial signatures, clerks ' names, or any form of authentication renders the purported legal document void and devoid of any legal effect. 
It is deeply disheartening that my banking institution allowed such actions to take place without fulfilling basic requirements and ensuring that the debt in question was properly registered with the relevant parties, such as the county clerk 's office and public records. Furthermore, it is alarming that this creditor possessed knowledge of my banking institution without any legitimate grounds for such information. The fact that they were able to deplete my accounts without triggering any red flags highlights the prevalence of fraud in our society. The magnitude of the financial loss I have endured can not be understated. These funds represent my entire savings, painstakingly accumulated over the course of two years. The absence of a warrant, IRS lien documentation, or a legally valid document signed by a judge, magistrate, or clerk underscores the unlawfulness and lack of legal standing behind the account drain. 
Only upon my inquiry regarding a signed affidavit by a judge did I discover that no judge 's name or signature exists on the document. This revelation provides me no solace, as it underscores a clear violation of the bank 's duty to ensure compliance and exercise due diligence in safeguarding consumers ' hard-earned income. Any claim of judgment against me must undergo verification and validation of the account. Additionally, the bank should have promptly informed me about the situation before it transpired. I sincerely hope that no one else experiences the same shock and loss of security that I endured that day, as my entire sense of stability was abruptly shattered without any warning or opportunity to prepare. 
I implore you, with utmost urgency, to contact Navy Federal Credit Union on my behalf and make them aware that, after thoroughly reviewing their terms and conditions on multiple occasions, I have found no provisions relinquishing my rights under the Fourth, Sixth, and Fourteenth Amendments. I am entitled to the security of my personal belongings, papers, and effects, yet I have been deprived of all sense of security, dignity, and freedom. The knowledge that anyone can drain my account without legitimate grounds deeply frightens me. 
I find it perplexing that I am being held accountable and treated as if I am guilty and responsible for this debt, despite the absence of any evidence of verification or validation provided by the creditor or NFCU. Copies of the alleged affidavit they claim to have received have not been presented to me or any other involved party. The inability to provide for my family or meet essential financial obligations, such as my mortgage and utilities, poses an imminent threat. It took me two years of hard work to accumulate that small amount of money, and I am now in desperate need of financial relief. 
I demand that the unlawful seizure of my accounts without notice or jurisdiction restrictions be lifted immediately, unless the facts and permissible purpose can be established. Records from the county clerk 's office and the original copies of all judgment affidavits you have received on my behalf should be provided to substantiate the actions taken. If the necessary documents can not be produced, I insist that my funds be returned to their rightful place. This situation has caused significant harm and XXXX to me and my family, and we implore you to provide the necessary assistance and support. 
I trust that you understand the urgency of this matter and will take prompt action to rectify the situation. Your intervention and advocacy in dealing with Navy Federal Credit Union would be greatly appreciated. I kindly request that you keep me informed of any progress or updates pertaining to this case. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 
In addition, Please refer to the listed codes below for additional information. 

Alleged Debt without Substantiating Evidence and Violation of : 234 Pa. Code140.Rule140B-Contempt Proceedings.

28 U.S. Code 1746- Unsworn declarations under penalty of perjury. 
Sincerely, XXXX XXXX

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