Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
b'So the Department of Human Services Child Welfare Agency which has jurisdiction it all starts from this process of subjection and objection their jurisdiction and then them implementing their jurisdiction and your banking So they manufacture evidence and then they calls problems and every area of your life that ultimately ends up in destruction of quality of life you can\'t get into your bank and account you you\'re banking account because I have a business banking account is subject matter and they connect all of these situations is the psychiatry behind associations that\'s how they move through different areas of your life is called subject matter and then in its manufacturing evidence to give these entity jurisdiction that\'s based off of manufactured evidence to create fake probable calls so they have no business having access to my private information but their destroying my quality of life so they can hide the things that were implemented in my life through under the guise of a child welfare investigation and it\'s all equal to violation of my 13th and 14th amendment rights my fourth amendment right..\njurisdiction and the problem is the communications assistance for law enforcement act which is a digital device law so maybe federal lied and told me that it was this cold word that I needed to get into my account that doesn\'t exist and the reason why is because they want jurisdiction behind me being able to provide income for myself and then me being stabilized financially and then them heading other problems of lying stating that on this parent suffering a mental thought process disorder for example is a friend of bipolarist or medicine so I\'m in the federal courts with the four two USC 1986 1985 1983 and it\'s based on these court cases where these entities becomes instruments of the state to further their child welfare investigation... Joint Participation (XXXX XXXX XXXX XXXX XXXX](XXXX): This test is met when a private party acts "under color of state law" by participating in joint activity with state officials. In your case, you argue that Navy Federals actions regarding your banking are willfully coordinated with DHS investigators. [3, 4] \n* Meeting of the Minds XXXX XXXX XXXX XXXX XXXX XXXX This test focuses on the existence of a conspiracy or a "meeting of the minds" between private actors and police/investigators. You are highlighting that investigators allegedly induced high-stress events so that private parties could document your reactions as evidence. XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX: This test applies when the relationship between the state and a private organization is so "entwined" that the private entity\'s character is overborne by public influence. You cite the "Constitutional Amendment Matrix" as evidence of this deep integration between DHS and private nonprofits or employers'

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