Consumer complaint received 2021-08-23
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The Navy Federal Credit union has engaged in a campaign against me of harassment, bullying intimidation and retailation because i filed a complaint against them with the XXXX XXXX XXXX and other consumer reporting agencies including CFPB. They have sent me threatening letters, froze my account so that i would have no acess to my money and delineratly, intentionally, and maliciously harassed and bullied me. More specifically, the Navy Federal Credit Union after i filed a complaint against their fraud department, sent me a letter stating that if i continued my complaint they would freeze my bank account and not let me have acess to my money. Last week while dining out, i couldnt pay because there was no acess to my account. This was after i recieved a letter threartening that they would do the same. I couldnt pay for my dinner! I called Navy Federal Credit Union and was told by no less than 3 phone reps that there was nothing they could do. The restaurant called the cops on me and it was onlt then that my call to the Navy Federal Credit Union that i was finally transferred to a supervisor who gladly opened my card and gave me acess to my account so i wouldnt go to jail. This all stemmed from a representativre in their fraud dept, who saw my complaint with the BBB and decided to retailate against me for my complaint. There were several fraudulent charges on my debit card ( which ironically, NDCU notified me of ) all of the charges were refunded to me but i didnt like the attitude of Navy Federal Credit union fraud representative which led to my complaint. After my complaint All of my disputed charges were reversed. According to the law and letters that Navy Federal Credit Union sent me I was entitled to the documents they had that lead to their decision, Navy Federal Credit Union told me the had no documents and i would still be responsible for the fraudulent charges. I have called Navy Federal Credit Union but was told by the supervisors of the credit unions fraud department that " theres nobody higher than me you can talk to, I had contacted them on social media only to to be told by that department theres nothing we can do. I have been hung up on the telephone by their managers, barraged by countless emessages and letters that they know i cant respond to in order to protect the XXXX behavior that they have treated me with. I am a XXXX  XXXX, i cant see to be typing messafses back and forth over the phone, i have to focus on where im going to sleep and eat at night every day. ALL of the dispited charges are fraudulent and Navy Federal Knows that but chooses to harrass me because i filed a complaint in the first place. THey sent me a letter stating that they would take {$14.00} and XXXX of my money back, but they took XXXX when i called to inquire Navy Federal Credit Union refused to even talk to me and two supervisors from their fraud dept not only hung up on me but refused to take my name and number for a superior to get back to me. This has been going on for over a month!!! Navy Federal Credit Union has engaged in a campaign of harassment, bulling, retaliation and intimidation against me.

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