Consumer complaint received 2017-04-09
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This criminal complaint contains allegations of mortgage fraud, bank fraud, wire fraud, collusion and several other elements of fraudulent white collar crime under the color of authority, almost verbatim as depicted on the Federal Bureau of Investigation ( FBI ) website. 
As depicted by Escrow Document # XXXX, XXXX County, California, I sold my house and closed escrow on XX/XX/XXXX, as a normal sale. A Full Reconveyance Document # XXXX was issued by XXXX XXXX XXXX of NFCU, filed under XXXX and dated XX/XX/XXXX. A Payoff letter from NFCU, dated XX/XX/XXXX preceded the Reconveyance Document. A check in the amount of {$24.00} ( check no : XXXX ), dated XX/XX/XXXX, was subsequently mailed to me implying money owed to me. All corroborative documents shall be forwarded or emailed upon your request. The transaction contained no foreclosure or short sale of the property located at XXXX XXXX XXXX, XXXX, California, XXXX. Navy Federal Credit Union ( NFCU ) was the lender ( Account # XXXX ) ( APN : XXXX ) for this transaction and has promulgated and reported to the credit reporting agencies, XXXX, XXXX, XXXX, et al, the term, " foreclosure initiated, collateral property sold. '' This inaccurate and maliciously false report has ruined my credit profile, drastically lowered my credit score, is impeding me purchasing a home, and has the appearance of " mens rea '' retaliation for consumer complaints I made to NFCU. A certified letter of complaint and request for resolution to NFCU CEO XXXX XXXX and phone calls, years earlier went unanswered. The last individual I spoke with at NFCU HQ XXXX, Virginia in an effort to resolve this matter, identified herself as XXXX, # XXXX ( XXXX License Number ) on Friday XX/XX/XXXX, XXXX. She claimed that she would investigate the matter and call me back with her findings on Tuesday XX/XX/XXXX, she never called. 
Under color of authority, XXXX XXXX colluded with NFCU and removed approximately {$5000.00} from my account for a foreclosure that never took place. Both California real estate agents XXXX XXXX License # XXXX and XXXX XXXX XXXX License # XXXX colluded to remove excessive and fraudulent brokerage fees in the amount of {$8700.00} each, also under the color of authority. 
In XX/XX/XXXX, after the Veterans Administration 's XXXX Property/Housing Department in XXXX, California and XXXX, Virginia garnished my salary with claims of overpayment. I received approximately {$5500.00} from the XXXX Property to move my own personal property. I completed the move and a few months later my retirement salary was reduced by the VA. 
Simultaneously I found that NFCU was surreptitiously going into my wife and minor son 's bank accounts removing money without authorization. I had set up an automatic payment to pay the mortgage. NFCU was also removing money from the mortgage as well creating shortages on my mortgage payment account. I found out when I went online to review my accounts ( audit ) and learned that this had been going on for about two years. I requested a modification which NFCU through a series of bookkeeping errors denied my request which eventually resulted in the need for me to sell my home and relocate for a better paying job. 
My desired resolution is that the full and aggregate amount of {$500000.00} ( the initial net worth of XXXX : XXXX ), damages, XXXX, the rectification of my financial reputation, payment of fees as identified and assessed by me as a result of said damages to me incurred by the aforesaid actions of NFCU, it 's affiliates and all other parties involved in the facilitation of mortgage fraud ( XXXX ), bank fraud, wire fraud against me under the color of authority through a series of coordin

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