Consumer complaint received 2018-10-27
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Friday, XX/XX/XXXX CFPB Staff, Please provide the CFPB official claim form to me for appropriate filing for Navy Federal Credit Union ( NFCU ) members who incurred unlawful violations pursuant to the Dodd-Frank Act, the CFPB Consent Order File No. XXXX, http : //files.consumerfinance.govXXXX and subsequent mail fraud and escrow violations by Navy Federal Credit Union. I have not opened any additional personal or business loans, credit cards or lines of credit with NFCU upon the completion of the audit in furtherance of the sell of my house and close of escrow on XX/XX/XXXX. 
Please be advise that I physically entered the NFCU Riverside, CA branch and requesting permanently closed the NFCU accounts for both XXXX XXXX XXXX ( spouse ) # XXXX and XXXX XXXX XXXX XXXX ( son ) # XXXX well over to ( 2 ) years ago upon learning of the unlawful pilfering of funds from their accounts by NFCU. I subsequently discontinued both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX allotments to those accounts as indicated in XXXX records. 
As indicated by the mail fraud documents enclosed in This complaint, I am still receiving NFCU mailings identified as Statements of Accounts for both of those closed accounts. NFCU is sending unsolicited credit card offers to my son and have refused to discontinue this course of behavior. 
NFCU is in breach of the Escrow contract that indicated all lawful debts ( to include the mortgage ) to NFCU had been identified by Lawyers Title Company File # XXXX whom facilitated the escrow process to initiate all debts paid to fruition and close of escrow. In breach of contract, shortly after acquiring my mortgage from XXXX XXXX XXXX   NFCU increased my mortgage payment from {$1700.00} to {$1800.00} without prior written consent creating an undue financial burden. Upon written and oral request for a loan modification, NFCU employees enacted numerous actions to obfuscate financial relief with debilitating delays and threat of punitive actions throughout the process. 
At the close of escrow and the normal sale of my house, NFCU fraudulently listed my sale as a foreclosure and refused to change it for months causing severe damage to my credit report and the loss of the purchase of a new home. Several NFCU employees have prevaricated to the Consumer Financial Protection Bureau that all accounts have been satisfied and no further collection actions were warranted or taking place, but as indicated by the mail fraud and letters to my spouse and I documents comporting collection practices are still occurring and matching the amounts of {$55.00}, {$50.00} and {$35.00} which equal the remnant amounts I have been tracking since the close of escrow. 
Please refer to the NFCU enclosures for corroborative information on the consistency of mail fraud, pilfering, extortion and punitive actions against me and my family. Please be advised that an additional ten ( 10 ) page enclosure identified as, Navy Federal Credit Union Patterns of Negative Issues and Potential Breach of Contract as common Practice has been included in this complaint to indicate a pattern of consumer financial violations before, during and after the period of the CFPB Consent Order as well as my pecuniary involvement with NFCU, to include XX/XX/XXXX through XX/XX/XXXX. 
I am requesting to CFPB to include me in the consumer class action against NFCU as a result of multiple counts of arguably criminal financial violations of the Dodd-Frank Act, CFPB Consent Order File No. XXXX, and subsequent acts of mail fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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