Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX RE : Navy Federal Credit Union Fraud /Scamming Investigation Denials- Frozen Banking Accounts Dear CFPB TEAM My name is XXXX XXXX XXXX . I am writing to you to seek help with a serious matter dealing with my bank Navy Federal Credit Union located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Navy Federal Credit Union has frozen all of my accounts including my secured credit card I have with them due to an issue that happen to me regarding me being scammed by XXXX book publishing companies. I was scammed out of {$5000.00} by XXXX XXXX XXXX. The second publishing company that scammed me was XXXX XXXX XXXX. XXXX scammed me out of {$2300.00}. These XXXX scammed occurred ironically at the same time. 

I realized that I was scammed once I stopped receiving email updates, no responses to my emails requesting phase status, and next phase progresses. Then all of a sudden none of anyones numbers no longer worked. 
I paid each company for attorney copyrights of my book content, website platforms to be created for book sales in different venues and book stores, XXXX  Numbers etc. 
I reported this to police, ftc, Attorney Generals Office for Georgia, both of my banks used to pay for the cost of my business for book publishing services to be done. 
Instead of NFCU communicating with me, NFCU chose to froze all of my accounts I have with them and denied my claim twice. Inspite the fact that I provided NFCU with all email dialogs, all receipts show what I paid to each book publishing company. Instead NFCU placed notes on my accounts in the system that I am apart of the fraud/ scam. NFCU is holding my money and will not release any of my money to me. They marked my credit card as suspected fraud. They have caused me to default on monthly bills without cause. I have received no notice of decision and no one has attempted to contact me for questioning. 
However, I have called and gone up to the XXXX XXXX branch multiple times to get answers that no one will give me and are continuing to this day, not allow me to have my money that is in the account without an explanation. 
I find this predatorial, and prejudice and unjust to me as their long time banking customer. Especially, when I have been banking with NFCU since XXXX. Why would XXXX scam my own self out of over {$7000.00}. Secondly, why would I scam at this point in our banking relationship and I am almost XXXX old? Make it make sense. Navy Federal Credit Union is treating me like I am the criminal when I was the one who alerted the bank. 

I was told by Navy Federal Credit Union Customer Service staff that they dont have to talk to me. When that was said I asked for all of my money I have left in the bank. They told me no. So now I am being victimized by my banking institution NFCU and these thieves who worked for the mentioned above publishing companies. What right do NFCU have to keep my hard earned money I worked for? 
I am seeking assistant with the following : Lift the restrictions off all of my accounts Clear my name in the banking system as being apart of fraud. I am not! I am the victim who was trying to conduct business XXXX business by getting my first book published for sale. Nothing more. Instead I got my money taken by staff who worked for a very noticeable global giant XXXX XXXX XXXX and by XXXX. How would I know if they are scammers or not when they have the company logo and company email address we were communicating through. 
Restore my banking credit standing for I have never been involved in any type of scamming/ fraud schemes ever until now. 
I want a straight answer as to why it am being accused of being apart of fraud and scamming when I am the one who alerted the bank as soon as I realized I got scammed when no number worked anymore and email dialogs compelling stopped. 
Restore my accounts or give me all of my money left in the accounts. 
I am asking for a written apology for the rude, prejudice treatment I am being caused to deal with as if I an a criminal. I am being re-victimized by NFCU. 
For Navy Federal Credit Union and XXXX XXXX  to go after getting my money back NFCU never even offered to move my money to a new checking and savings account and close my XXXX XXXX XXXX accounts that have had with NFCU for over a decade. 
I am being blamed for someone else unscrupulous bad behaviors. When all I did was pay for a book publishing service that never came to life. However, contracts where signed. Money was exchanged according to agreed contract and I got taken. I received no published book, No website portal for book sales, no copyrights, no book cover design, no XXXX  Numbers for book sales assignment, nothing. 
I am just getting the run around and my hind parts hand back to me with insult. I have all proof and supporting documents and recorded audio of conversations etc. I am to trying to hide anything. I just want my money back for services and product paid for but never received. 
Please advise if you can assist me with this horrible matter that happened to me. Can my above request please be investigated and accommodated. 
I look forward to hearing from you very soon. I thank you in advance for all of your time, consideration and assistance. 
If you have any questions for me please feel free in contacting me via email at XXXX or by phone at XXXX. 

Best Regard XXXX XXXX XXXX XXXX XXXX XXXX

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