Consumer complaint received 2022-11-13
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing this because I was insulted by Navy Federal Credit Union personnel. I went to the branch in XXXX, MD to get a cashiers check. The funds were coming from another bank where I had obtained a HELOC. I can't even hardly get loans without alot drama from NAVY FED anyway, they are always XXXX bent on refusing me for any request, even though I was there XXXX years. These people treated me like a criminal. I waited a the counter while the bank clerk fiddled in the computer for a least XXXX mins in a crowed bank, bfor the holiday. Then I asked XXXX a supervisor who came over and research something and still without any explanation told me to take a seat. I was very upset. Then I was called in the office and NFCU was on the other line with the bank originator of the check. I did not know who the XXXX it was but I was asked to provide my SSN. On a crowded bank over a speaker phone. 
This is why I went to retrieve the cashier check based on the following NAVY FEDERAL CREDIT UNION Navy Federal Security Zone : Email for XXXX | XXXX XXXX Whoo Hoo! Your Funds Are Available Great news! The funds you recently deposited are available now in your account. Here are the details : {$12000.00} was deposited into your Share Savings account ending in XXXX. As of XX/XX/XXXX at XXXXXXXX XXXX the available balance is {$12000.00}. 

For more information, please review our funds availability policy. 

You can always sign in to your account* to manage your money. Transfer funds, view transactions and balances, or schedule a payment with Bill Pay24/7. 

Our Members Are the Mission Contact Us | Security | Mobile Banking | Privacy Policy Please do not reply to this email. This email is being sent from : Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX | XXXX Navy Federal Credit Union. All rights reserved. NFCU XXXX XXXX ( XXXX ) Federally insured by NCUA.

I felt like a criminal.I became and called NFCU and had them online with me. They in turn never explained nothing to me. I was getting names to make a complaint and the security officer was standing so close to me I can feel his breath on my neck while conducting buisness.U asked 4 his name twice he said it sarcastically was " Security ''. I really felt traumatized by the whole scene. I even considered calling XXXX on the security officer. Instead of asking what the issue was getting assumed that I was just causing problems. I was angry and lashed out. Later I tried to file complaints each time I called I was transferred and put on hold so long that I hung up. On Friday I was able to contact somebody who explained to me that it was a new policy that the check would be on hold for 5 days. Nobody said XXXX to me about that and I had called NFCU several times about the status of the check. They were even making mistakes about the deposits on the phone. That IS THE MAIN REASON I CALLED PRIOR TO GOING TI THE BRANCH. I reacted out of humiliation and can't tell you how many times NFCU has treated me disrespectfully even though I am a mever since XXXX. Longer than some of bank clerks ages. 
I'm writing this because I want a written apology. I'm still upset about this because I use that branch from time 2 time. I am sick of being treated in this manner, like I am not a respected member from NFCU

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