Consumer complaint received 2022-12-05
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I filed a previous compla9int against Navy Federal Credit union, due to the collection practices and untruths they were telling merchants about me. They had locked me out of my account statements stating I needed to update my phone number in order to release the block. After the complaint was submitted, I got access for a few days, and now locked out again after they received the complaint from this office. 

I had received some extra funds from VA due to backpay, and I asked that they take whatever I owed in bank charges due to my credit card and checking account fees accumulated. The accounts closed and written off after filing bankruptcy. When I received the backpay, the bankruptcy was dismissed and instead of refiling I paid off the debts possible with what I had, one being the vehicle. The credit union took XXXX and the bankruptcy court was refunding the money held for rent into my account and due to the landlord as the bankruptcy court required the payments be set up through them facing an eviction., The credit union then takes another XXXX. XXXX from the landlords ' checks without notifying me about the remaining debt I was trying to pay. There was over XXXX when I asked them to collect on the debts, and they wait til the bills are paid and I have XXXX and take the landlord 's check. I asked for a printout of the debt totaling the XXXX and the call center advised me I would have to get it from my statements. I asked them to break it down so I can see XXXX in service fees, because I was seeing service fees 3-4 times for the same issues. I now can not access my account statements to see the charges they took. All I have is he screenshot of current transactions, everything else inaccessible. Now they state I have to verify some security issues. 

This bank has now reimbursed close to XXXX, labeling it adj. I don't know for what or why or if that error caused all the other issues of insufficient fund 's charges, and merchant the money took by the check verification people In my last dispute, which they denied, they stated that they spoke to my bank who authorized the transactions to be collected by the XXXX XXXX XXXXy. The state they spoke with XXXX XXXX XXXX  and received documentation authorizing the deductions. How does another bank verify authorized the withdrawal of another 's banks customers by a XXXX XXXX? And the bank, XXXX XXXX, has been no authority over any of my accounts as they are a credit repair prepaid Credit Card only company. They do not hold checking accounts. 

Navy Federal had no business discussing any banking activity pertaining to my Navy Federal Account, and no one has authority to disclose any PHI with another bank to deny a legitimate dispute. There was no investigation on the illegal access to my account, and the disputes department violated my privacy rights discussing anything with my credit card company, using my personal information to access the accounts. 

They are either trying to run me out or conspiring to set me up for some banking issues as they are lying to other banks, accessing my other banks to obtain information, and lying to merchants about me telling the bank that the checks area not mine, and that they are postdating them after I wrote them. The credit union has got me XXXX, ruined my reputation, and continues to lock me out of my accounts to prove the issues are legitimate, as they refuse to honor their reimbursement for Charges not mine. 

at the bottom of their page on a screen shot is XXXX XXXX ; again, I had no account with them, I actually XXXX  them as they have scammed me twice before, navy federal in the middle. now another XXXX into it and Id rather lose the money than deal with their professional dispute personnel, that call secured credit card companies to see if they allowed the collection agency to access the Navy Federal account. I'm not stupid, and XXXX XXXX can not allow a company to access Navy Federal XXXX and collect from federal deposits as a debt collection.

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