Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am being driven to bankruptcy by a company that has blatantly committed fraud on the court to get its way. 
I am having my wages garnished by XXXX XXXX XXXX XXXX after theycommitted fraud on the court by never notifying me of either the original court date when they sued me in XXXX or the hearing ( XXXX ) this year to enforce the garnishment on me in a Virginia court. Worse, this all occured years after I had moved to XXXX Florida. My actual location was easily found via multiple public records, including the fact that I gotten my driver 's license transferred to the state of Florida shortly after moving here in XXXX, the fact that I a recipient of XXXX payments for XXXX XXXXXXXX, receiving XXXX and then later XXXXXXXX XXXX  and most damningly, XXXX XXXX XXXX XXXX XXXX XXXX imposed in XXXX by the XXXX of Virginia that had been legally transferred to the state of Florida. Worse still, at the time when they had fraudulently claimed to notify me, I was XXXX XXXX XXXXXXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX  and the sent to XXXX XXXX XXXX  to await a required XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of XXXX ( I should note that no further XXXX came from this XXXX  Everything was thrown out for XXXX XXXX XXXX  and XXXX XXXX  ). There is no way that anyone can say with a straight face that XXXX did not commit fraud on the court or that they did not game the system in order to receive the most beneficial outcome. That they once again did so this year when they again took me to court, again without notification Virginia, without my knowledge to enforce a wage garnishment upon me ( which I believe was running up on some form of statue, ) reeks malicious intent. That I only discovered this was happening quite by accident. The attached court band document was unceremoniously dumped on the doorstep of a home I've not lived in for over 13 years. The fact that the homeowner took the time to ensure I was warned, and only just barely, by contacting my stepfather is frankly pure luck. I now have no choice but to declare bankruptcy which I can barely afford when over {$100.00} a week is seized from my pathetic {$400.00} ( give or take ) paychecks. I'm under no illusion that XXXX will leave me alone even if this matter is addressed in my favor considering how they frequently used the judicial system to essentially extort me once already, even keeping it off my credit report for some reason ( likely to keep me in the dark ). 
I'm also likely to seek further legal assistance beyond mere bankruptcy to ensure this company can't do this to anyone else and recover the assets ( and more ) that they seized by abusing the legal system. Please, people like me need to be protected from companies that abuse the legal system and it's biases against the poor. I'm likely one of XXXX whom this company did this to and I'm positive that the waited so long because they were on shaky legal ground to begin with.

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