Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
XXXX XXXX Navy Federal  Member Access Number : XXXX DOB : XX/XX/XXXX SSN : XXXX Business Name : Flawless Results Commercial Cleaning LLC XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Date : XXXX To : Navy Federal Credit Union XXXX XXXX XXXX Resolutions Department XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX CC : - Consumer Financial Protection Bureau XXXX CFPB ) - Federal XXXX XXXX XXXX XXXX FDIC XXXX - Office of the Comptroller of the Currency ( XXXX XXXX XXXX Federal Reserve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Florida Attorney General 's Office XXXX Better Business Bureau XXXX BBB ) RE : FORMAL COMPLAINT UNLAWFUL FREEZING OF BUSINESS & PERSONAL ACCOUNTS AND WITHHOLDING OF IRS-ISSUED FUNDS To Whom It May Concern : I am submitting this formal complaint regarding the improper freezing of both my personal and business accounts at Navy Federal Credit Union XXXX XXXX XXXX identity verification and substantiated proof of a legitimate deposit issued by the United States Treasury XXXX 
On or around XXXX, I deposited a XXXX XXXX ( Employee Retention Credit ) tax refund check, lawfully issued to my business in the amount of {$130000.00} USD,, Flawless Results Commercial Cleaning LLC, by the Internal Revenue Service under the CARES Act provisions. 
The check was held and flagged as fraudulent by Navy Federal Credit Union without valid basis. 
Upon being informed of this, I acted promptly and responsibly : XXXX. I contacted the Internal Revenue Service member Badge # XXXX XXXX XXXX, where XXXX XXXX XXXX lead XXXX XXXX and XXXX XXXX XXXX directly confirmed the checks legitimacy on record with XXXX XXXX 
XXXX. I presented the IRS XXXX Adjustment Refund Letter in person at the XXXX branch, which clearly states the amount refunded, interest paid, and taxes withheld. 
XXXX. I provided full identity verification via my original birth certificate and Social Security card, fulfilling all Know Your Customer ( KYC ) and compliance obligations. 
Despite these good-faith efforts, I was advised by XXXX XXXX that XXXX XXXX XXXX XXXX XXXX to continue the freeze on my accounts and funds, without explanation or a path to resolution. This is wholly unacceptable and unlawful under numerous federal regulations. 
VIOLATIONS OF XXXX XXXX XXXX XXXX XXXX XXXX actions constitute serious violations of financial consumer protection laws, including but not limited to : - 12 U.S.C. 1785 - 12 CFR Part 229 ( Regulation CC ) - Consumer Financial Protection Act of 2010 - The Right to Access Funds Act - The Bank Secrecy Act ( BSA ) and USA PATRIOT Act - Privacy Act of 1974 DEMANDS I formally demand the following actions to be taken within five ( 5 ) business days of receipt of this notice : 1. Immediate removal of all account restrictions.

2. Full and unrestricted release of all held funds for both business and personal accounts.

3. A written statement from Navy Federal outlining the reason for the initial flag and any internal findings.

4. Immediate account closure and transfer of all funds to my designated verified bank account.

5. A written apology for the harm, inconvenience, and potential financial damages incurred. 
NEXT STEPS If no resolution is offered within the requested timeline, I will be forced to take further action, including : - Filing formal complaints with each agency CCd in this letter, - Pursuing legal action for financial damages, including business disruption and reputational harm, - Publishing my experience publicly to warn other business owners, and - Requesting congressional inquiry if necessary, given the nature of XXXX funds being involved. 
I expect this matter to be handled swiftly, transparently, and in accordance with federal law. 
My patience and goodwill have been extended fully. 
Sincerely, XXXX XXXX Owner Flawless Results Commercial Cleaning XXXX XXXX Federal Member # XXXX DOB : XX/XX/XXXX SSN : XXXX Enclosures ( Include copies when sending ) : - Copy of XXXX Treasury XXXX XXXX IRS XXXX Adjustment Refund Letter - Personal ID ( Birth Certificate, SSN ) - Record of IRS XXXX Call ( if recorded or documented ) - XXXX XXXX Branch Visit Receipts or Notes

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