Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a formal complaint against Navy Federal Credit Union ( NFCU ) for engaging in unauthorized, recurring withdrawals from my personal checking account to collect on a charged-off debt reported closed on XXXX  XXXX XXXX.while reporting to XXXX  as XX/XX/XXXX. These withdrawals began as early as XXXX and have occurred without my permission, without a court order, and in clear violation of consumer protection laws. I was made aware of such debits last night on my credit report noticing a new payment date had been added however I had not made the payment. I then disputed the information. When I saw it on a secondary report I thought to check my account. And said last payment was drafted without my knowledge on XX/XX/XXXX which I had not made knowledge of because it was under the guise of adjustment on my account without no notation as to for what or where the money went to. 
Key Issues : * Unauthorized Debits : NFCU has been deducting funds from my account without consent or court judgment. They continue to tell me over the phone. They have the right to do so that it is page 2 of a three page document which they have failed to send to me even upon request. Speaking with multiple representatives, they have continued to tell me they have every right to do so and threaten to continue to do so illegally, claiming the document excludes them from laws and regulations that prohibit their actions. I am still waiting receipt of bank statements for the last seven years as I I am just now being made aware they are still drafting my account and I need to check how many occasions this has happened. Especially considering for the last seven years the money deposited into my account is my VA XXXX, which is clearly labeled when deposited. I have requested those statements and have also not received them yet. 
* Charged-Off Account : The debt in question was charged off and closed according to their reporting to transunion in XX/XX/XXXX, yet they continue to take money. 
* No Written Reauthorization : I have not given post-charge-off consent to resume or permit withdrawals. Or any consent ever, they have even taken from my XXXX childrens account as well. 
* I live in Texas : Texas law does not allow self-help bank offsets or wage garnishment for consumer debts without a court order. 

Violations Alleged : * Electronic Fund Transfer Act ( EFTA, Reg E ) : Unauthorized electronic fund transfers from my account. 
* Fair Credit Reporting Act ( FCRA ) : Continued negative credit reporting despite improper collection. 
* Fair Debt Collection Practices Act ( FDCPA ) : Misleading and abusive practices in debt recovery. 
* Texas Finance Code 392 & Property Code 42 : Prohibits post-judgment garnishment without legal process.

* CFPB Consent OrdeXXXX ( XXXX ) : NFCU was previously fined and ordered to stop these exact practices. This indicates a knowing, willful violation of federal law and prior enforcement action. 
- [ ] Federal Rule : 31 CFR 212 ( Garnishment of Accounts Containing Federal Benefit Payments ) - [ ] Social Security Act 207 * VA Benefits Protections under 38 USC 5301 * XXXX XXXX Act Requested Resolution : * A full investigation into Navy Federals post-charge-off collection tactics * Refund of all money deducted from my account without legal authority since XXXX * Civil penalties for repeated violations of CFPBs prior order * A written response from Navy Federal including an accounting of all actions taken * Public record of this investigation to protect other consumers from harm I have attached : * My credit report showing the charge-off * Bank statements showing unauthorized drafts * My cease and desist letter * Proof of Texas residency * I also have my latest phone calls recorded asking for refund of charges, being denied and transferred. Even after citing legal framework being violated.

Thank you for reviewing this serious matter. I request urgent enforcement action and restitution under the applicable federal consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief