Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing this complaint via my daughter in regards to the excessive false allegations made by Navy Federal Credit Union against my daughter, the repeated harassing investigations by XXXX XXXX XXXX ( XXXX and XXXX, respectively ) and the disregard for my privacy and civil rights. NFCU continues to lie about transactions my daughter makes on our behalf. NFCU claims that my daughter continues to impersonate me, but that is false. NFCU claims that my daughter withdraws funds from our account and transfers them to her personal account and other financial apps as if she is stealing my funds- another false accusation. My daughter shares an account in which she also deposits her own funds and has every right to transfer or withdraw funds. She explained to NFCU that she may transfer funds to avoid a debit such as a payday loan and will re-deposit the funds to allow an auto-pay debit at a later date. She is also concerned with NFCU blocking access to the account at any given whim, which would affect us paying bills, etc. It is not NFCU 's business to decide how we should bank. NFCU claims that my daughter would not bring me to a branch to verify myself and that she withdrew aproximately {$4000.00} of my funds and overdrafted my account. That is also false. I made a visit to a XXXX XXXX, XXXX NFCU branch with my daughter each time I needed to verify my account and resolve any issues. My most recent visit was XX/XX/XXXX and I partially withdrew {$200.00} ( at the teller window ) of the {$4000.00} they claimed my daughter withdrew. Furthermore, my daughter had previously visited a XXXX, XXXX branch where she was told that the {$4000.00} was indeed my funds ( eventhough she explained to NFCU that they were not because she had withdrawn the funds available to avoid a payday collection she thought would debit the account ). The {$4000.00} was a NFCU accounting delay. We withdrew the funds upon the urgency of NFCU. NFCU proceeded to claim that my daughter maliciously withdrew the funds and overdrafted my account. Unacceptable. NFCU previously made a false report in XXXX claiming that I came into the branch 'unkept '' and " neglected looking ' and that my daughter was " running all through my account '', which was highly offensive and defamatory. The case, as stated earlier, was closed after a visit to our home by XXXX in XXXX, XXXX. Again, my daughter is my Power of Attorney and receives deposits to the account as well and has every right to withdraw funds and make purchases on our behalf. Me and my daughter were investigated by XXXX by three different jurisdictions four times within the last XXXX months. The last three investigations were filed by Navy Federal Credit Union within the past 12 months. The first three cases were closed. Again, there is now another pending case. The previous case was closed in XXXX XXXX last week after speaking to the police who stopped by for a welfare check this month. The current case was opened XXXX hours after the XXXX case was closed. There were two XXXX cases filed within two months and the latter was obviously referred to XXXX XXXX because I stated that I was visiting family temporarily in XXXX XXXX. The referral should have been disregarded since XXXX XXXX determined that there was zero abuse and exploitation. XXXX XXXX previously closed a case in XXXX. XXXX XXXX closed a case in XXXX. Again, XXXX XXXX XXXX closed a case last week ( XXXX ). The current frivilous case filed by NFCU was because my daughter told them via phone when they called that she is my POA and to speak to her about the collection they were calling to enforce. I was not with her to speak to them so NFCU decided to send the police to her home for a welfare check and filed another XXXX case. Again, this is harassment. I have explained over and over to XXXX that I am competent, that I make decisions with my daughter financially and medically and that we share oneanother 's incomes. My daughter is again, my POA and is my XXXX caregiver outside of extended family visits at times. These excessive investigations are again, harassing, unethical and pointless. XXXX XXXX XXXX made an initial false report in XXXX because we changed banks and Navy Federal Credit Union has made three false reports within 12 months and at this point we are considering legal action. We can make deposits, withdraw funds and make debits as we both please in a shared account and requested XXXX to stop these frivilous investigations effective immediately. I will not tolerate NFCU to continue to villianize my daughter and use XXXX to harass us because of their unbridled ability to make false accusations at will. I am not disabled and I permit all transcations of any sort on my behalf as well as hers in whatever way we both agree upon. Again, my daughter is my legal POA and has her own deposits forwarded to the same account. NFCU needs to cease this harassment immediately.

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