Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally document my continued dispute and deep concern regarding the unauthorized seizure of funds from my account held with Navy Federal Credit Union. At your request, I fully complied with the instructions provided by your representative, XXXX XXXX, during our telephone conversation. XXXX XXXX specifically requested proof confirming that the funds transferred via XXXX originated from a Social Security account and were deposited into another Social Security account. As requested, I promptly provided this documentation the same day through the Navy Federal Credit Union internal message center. During that conversation, XXXX XXXX acknowledged the situation and represented that, upon receipt of the documentation, he would work to have the improperly seized funds returned to me Acting in good faith, I relied upon those representations and immediately submitted the requested evidence demonstrating that the funds in question were derived from protected Social Security benefits. Despite my prompt compliance and good-faith cooperation, I have received no follow-up communication, only a yes XXXX XXXX received your correspondence confirmation of the documentation no resolution regarding the return of my funds. I have since made multiple attempts to contact Navy Federal Credit Union through both telephone calls and additional secure messages within the member portal, yet my inquiries have gone unanswered.I also told them of about the letter they sent me about funds they let access my closed account and how these funds been declined because I told them my account was closed before they let that bill came into my account i even called back to ask why haven't they closed my account as i requested when the account was closed then they let this bill come into the account it feels a little calculated and illegal.. This lack of response is both troubling and disappointing. As a recipient of Social Security benefits, the funds at issue are protected under federal law from garnishment, attachment, or other forms of seizure by financial institutions for the purpose of satisfying private debts. The continued withholding of these funds after clear proof of their protected status raises serious legal and compliance concerns. I respectfully request that Navy Federal Credit Union immediately review the documentation previously submitted through the message center, provide a written explanation for the seizure of federally protected Social Security funds, and take prompt action to restore the improperly withheld funds to my account. If this matter can not be resolved promptly, I will be forced to pursue further remedies available to me, including filing formal complaints with the appropriate federal regulatory agencies and seeking any other relief permitted under applicable law. I would prefer to resolve this matter amicably and without escalation ; however, the continued absence of communication and resolution leaves me with little choice but to protect my rights. I request a written response within XXXX ( XXXX ) business days of receipt of this letter. Sincerely, XXXX XXXX XXXX

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