Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
1. I want to start off that NFCU is a foreign registered bank and should not be providing loans to anyone besides other member banks. See facts with explanation attached with controlling law.2. I sent a request for collateral deposit account for offset purposes to NFCU on XX/XX/XXXX by certified mail. See attached letter. This was not addressed and simply ignored. My understanding is NFCU never owed the loan as I had an audit performed on the Mortgage Account Number. The auditor found that XXXX XXXX to possession of the loan right at closing. To confirm this fact NFCU filed tax reporting form 1099C and the Cancel date stated on their reporting form was XX/XX/XXXX. They filed a 1099A and a 1099C with false reporting trying to claim abandonment. I just have corrected this with a corrected tax forms that I provided to NFCU on XX/XX/XXXX with an explanation letter and mailed to the IRS.This also was simply ignored. The icing on the cake for NFCU was NFCU legal counsel filed a motion to barr me from filing anything into the record in XX/XX/XXXX. The court granted this motion which is outright denial of the right to access court and due process. The court granted summary judgment in the favor of NFCU in may of XXXXThe clerk refuses to accept any documents into the record, I could not object to any future motions including the writ of possession, which was granted. I uncovered that there are collateral deposits and I have a right to request as they're under the associated name. I want the escrow accounts that are linked to the credit application and all collateral deposits under the name XXXX XXXX XXXX or linked to its social security number, and the promissory note which is a security. My requests have been ignored. NFCU can't have all which is unjust enrichment and a crime. NFCU can't keep the collateral deposits in escrow under the name and the promissory note and the house. in essence, i can not file anything in the case to object or defend this action which is a violation of my rights.Now I forced to obtain legal counsel to address the issues and to void such judgment. Futuring their enhancement, there are bonds sold on the secondary market under the name or SSN of XXXX XXXX. I have the CUSIP number associated with the mortgage account #. NFCU and its legal counsel has ignored my request. Now the court has issued an enforcement of the writ of possession. This needs to be investigated. I'm barred by the court. The appellate court denied my motions to stay. I am NOT looking for any legal advice. I am looking for the enforcement of NFCU to hand over all the collateral deposits and i want the promissory note and all proceeds associated with the name of XXXX XXXX returned to the rightful owner. As this complaint is just the tip of the iceberg, I need NFCU to address my all my concerns, and reconsider the irreparable damages that will be caused by an eviction. As there are tax crimes and other crimes this needs to be addressed by the consumer protection bureau as I'm a consumer that needs protection until a full investigation is completed, or the return of all collateral deposits and the proceeds of the deposited promissory note.

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