Consumer complaint received 2022-06-28
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Navy Federal Credit Union XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Florida XXXX XXXX XXXX XXXX XXXX Protected Consumer to Navy Federal . I am a natural person who is at all times relevant. Navy Federal has caused my family and I great harm. 
In 2017 Navy Federal received my Federal Income Tax Return into my checking account. After they received my Tax Refund via direct deposit I was asked to come into the branch for verification purposes. After the teller verified who I was and that was XXXX XXXX 's Tax Refund I was told I would not be receiving my tax refund. Navy Federal lied, stole, and mislead me wrongfully restricting my account and stealing from me. I was told since I was past due on my loans Navy Federal reserved all rights to my Tax Refund since it was deposited into my account. I was told I would not be able to access my account nor would I be receiving my Tax Refund because I owed on my loan. Unfair restrictions were placed on my accounts after Navy Federal fraudulently stole my Tax Return and did as they pleased with over {$8000.00} of my hard-earned money. 
At this time I had just turned XXXX XXXX XXXX. I did not understand anything that Navy Federal was doing to me and my family. My family ended up being evicted from our apartment and my car was repoed as a result of Navy Federal stealing my Tax Refund. I was planning to use a portion of my Refund to pay on my Navy Federal loans as well as catch up on my rental and living expenses. I was stripped of the chance to do those things and lost everything in the process. Navy Federal Credit Union deceived and mislead me in the worst way possible. My family and I were living on the XXXX out of funds in a short time as a result of Navy Federals ' willful negligent practice. I received several calls and late notices that were harmful and threatening to me as I felt like I could not do anything to help myself at the time from being harassed and humiliated by Navy Federal. I thought so highly of Navy Federal until I witnessed them engaging in unfair and deceptive acts or practices and violated me per federal consumer financial laws. Navy Federal violated the Consumer Financial Protection Act by making deceptive representations to Consumers in connection with its debt collection activities. Navy Federal also violated CFPA by unfairly restricting my account access, and blocking my debit cards, and online access. I was told I would only be allowed to come into the branch for any banking transactions. I was also told I will no longer have an account other than my savings, so all other accounts were permanently XXXX. My remedy I am seeking to recover my Federal Tax Refund that was illegally fraudulently stolen from me. Navy federal was not authorized to pursue any of the actions they insisted on.

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