Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union ( NFCU ) because my ( checking # XXXX ) and ( savings # XXXX ) They were unexpectedly closed and charged off for only {$2.00} without any notice or communication. 
I was never contacted or informed by phone, mail, or email about this small balance, nor given an opportunity to correct it. If I had known that my accounts were even slightly negative, I absolutely would have paid it immediately. 
At the time, I was experiencing significant hardship and homelessness, and later filed XXXX  XXXX bankruptcy in 2024. I was under intense financial distress but maintained faith in Navy Federal. Despite my hardship, I always tried to uphold my member responsibilities and believed Navy Federal would support me through their financial assistance programs.

Navy Federal advertises multiple member hardship relief options including emergency assistance, relief for members in crisis, and internal hardship programs ( such as loan assistance, account reinstatement, and Member Recovery options ). Unfortunately, these were never offered or discussed with me before my account was closed over a {$2.00} difference.

Navy Federals actions may have violated my consumer rights and fair treatment by : Failing to notify me of any negative balance or impending account closure, in violation of basic due process under consumer protection standards. 
Failing to exercise good faith assistance through their publicly stated hardship programs for struggling members. 
Potentially violating the Fair Credit Reporting Act ( FCRA ) if this charge-off or closure was inaccurately reported to XXXX, XXXX XXXX  XXXX , or credit bureaus. 
Failing to comply with the Fair Debt Collection Practices Act ( FDCPA ) by not sending notice of debt or allowing me to dispute or resolve it. 
The balance in question was very small only {$2.00} and the closure of my accounts has caused unnecessary hardship and prevented me from rebuilding financial stability, even after bankruptcy. This was not a willful act of neglect ; it was a result of financial collapse and lack of communication. 
I have always been a loyal and proud Navy Federal member. I have trusted this institution for years and deeply value the credit unions history of helping military families and members through hardship. This situation does not reflect the fairness or compassion Ive come to expect from Navy Federal.

I am respectfully requesting that the CFPB review this case and ask Navy Federal to : Fully explain and document the reason for my account closure and the {$2.00} charge-off. 
Remove the charge-off from all internal and external records ( XXXX, XXXX, credit reports, etc. IMMEDIATELY. 
Reinstate my Navy Federal membership and reopen my checking and savings accounts. 
Acknowledge that the credit union failed to provide notice or hardship assistance before taking this action. 
Had I been informed, I would have taken immediate action to pay the small balance even while homeless. I only learned about this issue much later, after I began trying to rebuild following bankruptcy. I genuinely love and respect Navy Federal and want the opportunity to continue being part of the membership community Ive always admired.

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