Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Consumer Complaint SchoolsFirst Federal Credit Union Submitted by : XXXX XXXX Nature of Complaint : Obstruction of account access and noncompliance with a valid court order I am submitting this complaint against SchoolsFirst Federal Credit Union for unlawfully refusing to release account records and financial documents, despite being presented with a final, enforceable court judgment issued by the California XXXXXXXX XXXX. 

On XX/XX/2025, I was awarded XXXX XXXX of the retirement accounts held by my former spouse XXXX XXXX XXXX XXXX XXXX XXXX via a signed FL-180 Judgment of Dissolution of Marriage entered by the XXXX XXXX XXXX XXXX XXXX  These are non-ERISA public retirement plans, and as the alternate payee, I am legally entitled to account information necessary to divide those assets under California law. 

Beginning XX/XX/2025, I sent the certified court judgment to SchoolsFirst and requested the following : Statements and historical data for the retirement accounts in question, and Joint checking account statements from an account I shared with the participant during the marriage. 

Despite multiple follow-ups, I received repeated denials from SchoolsFirst staff, including Plan Administrator XXXX XXXX and XXXX XXXX XXXX XXXX They stated that they would not provide any records without the participants signed consent or a subpoena even after being shown a valid, signed court order. 

These denials contradict California law and represent a clear obstruction of court-ordered property division. Specifically : Under California Family Code 2610, plan administrators are required to comply with judgments dividing community retirement assets. 

Under California Financial Code 4052.5, joint account holders are entitled to request and receive account statements and transaction history. 

SchoolsFirst repeatedly ignored or dismissed my legal rights and created internal roadblocks, hiding behind " policy '' rather than following applicable state law. 

Worse, they escalated the matter to their legal counsel, XXXX XXXX XXXX, who repeated the refusal and claimed SchoolsFirst was not required to comply. This behavior further delayed enforcement of the courts order and forced me to file multiple agency complaints. 

Agencies Already Involved : XXXX Case No. XXXX In supervisory review with referral to CFPB California Department of Financial Protection and Innovation ( DFPI ) Pending California State Bar Complaint No. 260833 Filed against attorney XXXX XXXX for obstructing a judgment and providing legally unsound advice to the institution Harm Suffered : Denied access to documentation Im legally entitled to Delayed ability to prepare and submit a Qualified Domestic Relations Order ( QDRO ) Forced to engage regulators and legal counsel unnecessarily Emotional distress and financial strain due to SchoolsFirsts obstruction of justice What I Am Requesting : A formal CFPB investigation into SchoolsFirsts policies and conduct regarding member document access and court judgment compliance A directive for SchoolsFirst to release the requested records and revise its internal policy to prevent further legal violations Any penalties or enforcement actions CFPB deems appropriate for this pattern of improper conduct Supporting Documents : I have compiled over XXXX pages of documentation, including : The certified FL-180 judgment Email correspondence with SchoolsFirst and their attorney Legal citations and repeated denials of access Due to file size ( over XXXXXXXX XXXX  ), these documents can be made available via secure download link upon request. 

XXXX XXXX

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