I 've made every attempt to work with the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. It 's crystal clear that the XXXX XXXX XXXX XXXX is conspiring/colluding with XXXX XXXX XXXX against unsuspecting citizens, civilians, and consumers of XXXX XXXX XXXX 's products and services for financial gain. XXXX XXXX XXXX XXXX 's blatant and rampant criminal acts include but are not limited to, negligence, obstructing examination of financial institution operations and accessory to bank fraud. Consumer bank records to accommodate/justify the/my claims outlined in this consumer complaint are available upon request. It 's interesting to see the growing number of XXXX XXXX XXXX consumer complaints and negative consumer reviews vs. positive or neutral consumer reviews located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " XXXX Customer Complaints ( 7 ) ''. My XXXX XXXX XXXX Checking and Savings account was breached AGAIN just last month and I have yet to receive a professional courtesy phone call from XXXX XXXX XXXX 's CEO regarding ( 1 ) the fair resolution outlined in this consumer complaint and ( 2 ) explain to me why my/XXXX  XXXX XXXX member accounts keep getting breached. I have been informed by XXXX XXXX XXXX 's Executive Leadership Team that XXXX XXXX XXXX has gotten too big and CAN NOT manage their account holder/member operations effectively, efficiently and with integrity. As pertains to my specific citizen/civilian/consumer incident, XXXX XXXX XXXX CHOOSES NOT TO cross-check its own/XXXX XXXX XXXX members ' Checking and Savings accounts for available/substantial funds being available for XXXX XXXX XXXX loan payments, BEFORE flagging their own members ' loan payments as " past due '', collecting various fees, conducting professional courtesy phone calls, and reporting loan accounts as " past due '' to major credit reporting agencies. From a non-collusion, consumer-centric and operational integrity perspective, the AVAILABLE FUNDS in a XXXX XXXX XXXX account holder's/member 's XXXX XXXX XXXX  Checking and Savings accounts should be cross-checked by XXXX XXXX XXXX operations to confirm ( or deny ) that funds are available to pay/pay off a XXXX XXXX XXXX  loan and then followed up on by either an automated or personalized XXXX XXXX XXXX professional courtesy phone call BEFORE ( 1 ) reporting honest consumer oversight as " past due '' to major reporting agencies ( 2 ) collecting various XXXX XXXX XXXX fees and ( 3 ) damaging a consumer 's immaculate loan payment history for 7 years. Again, I would like a professional courtesy phone call at the number on my XXXX XXXX XXXX account, and a letter sent to the address on my XXXX XXXX XXXX account, from XXXX XXXX XXXX 's CEO, XXXX XXXX, explaining to me, a loyal XXXX XXXX XXXX member for over 10 years, ( 1 ) why she 's endorsing and allowing known operational integrity issues to run rampant under her leadership, ( 2 ) what will be done to resolve what happened to me, and ( 3 ) what will be done to prevent what happened to me from happening to other XXXX XXXX XXXX account holders/members. I will continue to submit formal consumer complaints with any/all financial reporting organizations and agencies that are in the best interests of protecting citizens/civilians and consumers of XXXX XXXX XXXX 's misconduct until XXXX XXXX XXXX 's operational integrity improves and my desired settlement is achieved.