Consumer complaint received 2018-04-12
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to have an investigation conducted into the practices and regulations set forth by Navy Federal Credit Unions terms and conditions. These terms and conditions do not allow the credit union to  verbally abuse me. They also do not give the credit union the actual right to call my family members threaten to visit my home. The credit union is attempting to even go as far to falsely accuse me to the police now. The same person at Navy Federal Credit union, " XXXX '' at least that's the name he goes by now it usually changes he calls from a non working number. Filed 3 different reports to Adult protective services, trying to state that me and my mother were Elderly abusing my Grandmother which is XXXX. Neither one of us have ever caused any Elder abuse and this statement was proven true when the investigator all 3 times determined no abuse was occurring. Now the same " XXXX '' guy called my Mother threatened her told her that he will come to my home and her 's and pay a visit to us if we do not call him back. He left these by voicemail. Secondly, he told my mom that we should take blame and frame ourselves and that if we filed a complaint with the consumer financial protection bureau or told anyone he would personally make sure to ruin our credit and throw us in jail. These threats come every other Saturday. He also stole {$400.00} from my mother. This latest time he tried turning me into the police department for Elder abuse  of my Aunt which is also being resolved. I am tired of the continued harassment by this Financial institution. They never sent any information in writing and instead calls and threatens my entire family, if they can't reach us at the time he leaves threatening voicemails. He also tried to blackmail me and tell my mom that he illegally recorded me and he's going to make sure he " puts me down ''. 

These calls are non stop, harassing. He tries to find where i work, tries to tell me he will visit my home. It's scary no one should feel like someone from their financial institution will be showing up at their home. I do not owe this credit union anything. My wallet was stolen as of last year. Which caused identity theft, the crook has opened some accounts in my name and also my families names. 

However the continued bullying tactics should be reviewed, i do believe this is against the law to threaten to ruin your employment, threaten to ruin your credit and then continued threats to show up to my home? I don't know what types of employees they have employed here. 

I will be documenting all of these continued harassments and sending these to my lawyer. I did not ever give this credit union any permission to ever record me and haven't called in to this credit union. The continued harassment and threats and the Falsely accusing stops now. I will ensure it stops, i am reaching out to my lawyer as we speak. As this credit union keeps attempting to report elder abuse over and over for the same exact thing, and it always gets denied. I am working with the Police department as well, and i want CFPB to take a closer look at Navy Federals business practices as i am not the only person they are doing this to.

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