Consumer complaint received 2015-06-19 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
i had a young lady do my tax refund for XX/XX/XXXX and i was supposed to have a paper check sent to my home address. because i was supposed to received it on XX/XX/XXXX the check amount was XXXX i contacted her to ask about my refund and she stated that my refund was only XXXX and she wouldn, t summit my transcript so i went to the irs on XXXX and the sumitted me my transcript that, s is when i notice a unknown account my money went to i contact the navy federal credit union and gave them the account number and told them my name and address and ask was a check in my in that account they stated yes and i told them in was in that account without my permission and that i had no knowledge of the account until i went to irs concerning my refund so the bank told me that no one could touch the money and they couldnt send it to me they said it would go back to the irs and the irs will send it to my address which never happen i called the bank numerous times so on XXXX i went to a navy federal credit union in XXXX XXXX because the young lady that did my taxes was at her bank in XXXX also a navy federal credit union trying to get the bank to wire my moneybecause she was aware that i went to irs and found out what she had done so while i was at the bank they look up the account and seen my check in the account and they told her no money could be wire because the was investigating the account they told me to go back to irs to get a XXXX form and have the irs to sign it i did that and brought it back to the bank and the bank fax it to there sercurity department and they stated to me that once they got the letter they will send it back to the irs and that my money was in the account so on XX/XX/XXXX the irs sent me a letter stating that they sent navy federal credit union a letter tracing the money and they told me to contact the bank also so i did and the bank told me they did not have any funds in that account to send back so my question to the bank was where did the money go because they said this woman could not touch the money so i said to them i was calling the bank since XX/XX/XXXX and i also went there XX/XX/XXXX and the money was there they and i have a letter that was sign by the irs XXXX letter which stated taxpayer statement reguarding refund and the bank sercurity department also have the same letter on file and they wont release my refund now they saying its a civil matter and that is not true because the bank was aware of my refund in their bank since XX/XX/XXXX and i was at their bank in the office with a manager while they was corresponding with the bank the young lady was at she even asked the bank in maryland how was i going to pay her for doing my refund and they told her the check was going back to the irs and that probelm was between me and her because they had to return the check so the irs can sent it to my address like it was supposed to so im holding the bank responsible because the was notified im XXXX concerning this matter and they are also telling me they cant discuss this matter with me but they discuss it in XX/XX/XXXX at the bank in XXXX XXXX branch telling me that they frozed the account and that not to worry my money would be return to me i spoken to a bank manager concerning this he was very rude like it was his money and the sercurity department is being difficult with to saying its a civil matter i cant believe how navy federal credit union allow this to happen when they was notifed about this matter

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation