Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX. I received a check from my attorney for a judgment from a lawsuit in XXXX - in XXXX I filed a lawsuit against XXXXXXXX XXXX XXXX XXXXXXXX for employer retaliation. In XX/XX/XXXX the judge awarded me {$100000.00} + interest and fees. 

XXXX. My attorney, XXXX XXXX XXXX, sent me a check for {$100000.00}. XXXX for my portion of the judgement. 

XXXX. I deposited the check in my business account on XX/XX/XXXX via the ATM after pulling up to the bank and realizing that it was Veteran 's day. 

XXXX on XX/XX/XXXX my act was placed on level XXXX alert and locked down with no access to funds. 

XXXX. I visited the local branch with the XXXX envelope and the court documents along with the documentation from my attorney regarding the distribution of the funds. I presented the documents to the representative at the local branch, but they were not interested in those documents. 

XXXX. Prior to going to the local branch, I spoke to the business solutions team over the phone and they did not request any documents as well. 

XXXX. I was essentially told that the account will be locked and restricted for XXXX business days. 

XXXX. This is a small business checking account and we are unable to access funds to restock our small restaurant. 

XXXX. They returned the check to us and told us that it was ineligible for clearance due to terms and conditions. When I inquired of the " terms and conditions '' I was told on different occasions by different XXXX XXXX supervisor that the check that was deposited was " damaged, '' " mutilated. '' XXXX. I went to the local branch and inquired what happens to the check when its deposited at the local branch. I was told that it is kept there for a while and then it is eventually damaged by the branch. I asked the representative to go look for the check and let me know if it were truly damaged. 

XXXX. The representative left and returned about XXXX mins later and told me that he didn't see anything wrong with the check and he's not sure why they would tell me that the check was damaged or mutulated. I also have proof of this. 

XXXX again on XX/XX/XXXX I was told that the restriction will be lifted on XX/XX/XXXX and that I should call back. 

XXXX. On XX/XX/XXXX I called again to inquire why the lockdown/restriction is not lifted and I was told that my act was still under review and I basically just have to wait. 

XXXX. Please not that for the last XXXX weeks we have not been able to access our account to restock our restaurant and NFCU does not give a XXXX. 

XXXX. I have no idea why they are still reviewing my account and that's not a problem if they believe they have something to investigate. I just need them to release my business account so that our business can function. 

XXXX. Navy Federal CU actions has caused us emotional and financial stress and hardship on our small business. 

XXXX. This is not acceptable. Not giving consumers and resolve is not acceptable! 

XXXX. NFCU representative told me this morning in no uncertain terms that I just have to wait as my file is behind many others. In other words, my business just have to wait until NFCU feels like removing the restriction and no further time frame ha been given. 

XXXX. Myself and my attorney has filed a security appeals and sent the relevant documents as proof of the origins of the check. still no response to that either.

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