Consumer complaint received 2023-12-16
Company: NAVY FEDERAL CREDIT UNION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been going back and fourth with Navy Federal Credit Union since XX/XX/23 regarding my seized account. I was scammed and I also was facing felony charges for theft by receiving and forgery. The charges were dismissed and I still have no access to my account. 
Below is the email I sent to Navy Federal on XX/XX/23 XXXX XXXX, I am reaching out to you all in reference to my account that has been restricted with no access and my available funds taken since XX/XX/23. As I stated in a previous email, I was arrested for felony theft by receiving and forgery. I have attached a copy of the certified certificate of disposition from XXXX XXXX Government XXXX XXXX XXXX XXXX XXXX. Ive also attached the initial police report. The charges have been dismissed. 
As I stated to you all, I was scammed and had no knowledge of this check. My car was stolen, my account passwords were changed, I provided evidence that I genuinely thought I was moving money for a friend. XXXX at the last minute said he could not come and sent another guy that I did not know. The closet Navy Federal brach from my location was the XXXX in XXXX TN. I never knew a check was deposited. I have lost my job and all of my bills are past due. This Navy Federal Account is my main account. I have credit cards and loans past due. I am an authorized user on my parents XXXX cards and I am paying on those cards from an external account. You all have locked down their accounts as well I guess under the assumption that I scammed them too. My mother has been on the phone with a representative daily. The last time she was on the phone with XXXX was today XX/XX/23. 
I have never in my life broken the law or ever been arrested until now. Ive tried to get government assistance but could not because you all refused to even email me check stubs that I asked for in previous emails. My rent is 3 months behind and I am facing eviction. I had a direct deposit from my employer that came to that account while I was in jail. You all are refusing to give me that. 
The Assistant Branch XXXX XXXX XXXX at XXXX Navy Federal Credit Union had malicious intent went she had me arrested and falsely accused. I was literally in the bank like a normal customer. She didn't question me or anything. She called me into a loan office and XXXX officers appeared directly behind me. Immediately she started cursing me, calling me stupid, asking how much my cut was, saying that she finally got XXXX. I was bewildered and fully cooperative. She was extremely rude and refused to hear anything I said. She had me write my signature down and then she got really quiet. The police stated that it sounded like I was scammed, she insisted on me going to jail. I had to file a police report for a stolen fire arm that was in my car that was stolen. The police asked me if money laundering was going on at this bank because its always stuff like this happening. This allowed me to infer that this is a reoccurring pattern of theft/scamming at this credit union and XXXX XXXX was XXXX of it and she prejudged me. I was falsely accused and there was malicious intent in that. There is no way that I was this ignorant as to deposit a check for XXXX into my account knowingly or willingly that was not mine. There is proof that the man who scammed me has a history of this as well and he has outstanding warrants. All of this evidence was provided to the prosecutor. The officers body cam footage will also confirm XXXX behavior. I have no history of being a check user. I wish that the bank caught it the first time because this possibly would not have happened. I told the teller that Id be back later because I knew my account had a limit. If XXXX had just spoken to me, my car would not have been stolen and we could have got the other money. The only reason the car was even left running is because I went through XXXX XXXX through and was told to come inside. If I knew this was a scam, I would have drove off. I left my car running because I thought I was just going in and coming back out like a normal person as the previous time. 
I just want to understand that if the court of law decided that they would not pursue this against me, why is my account still seized and XXXX, the Navy Federal XXXX XXXX XXXX was the complainant that wished to prosecute? 
XXXX trying to get my job back, XXXX trying to get out of debt. This has ruined my life and I just really need someone to do the right thing reviewing the facts instead of personal feelings and emotions. 
The files are attached at the bottom of this email thread.

Company response to consumer: In progress