Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
As of XX/XX/year> Navy Federal Credit Union Has Taken My SSXXXXI Payment to allegedly satisfy a Lien I was. Now my Government Benefits to pay for my housing is gone and my home is unpaid. I was told this was to cover a Lien, I was never given notice of an actual lien. 

They Posted the Debit for a Credit Reversal From a Dispute which is still ongoing. They cant even provide proof they even engaged in a dispute with information provided. 

So how can NFCU be taking conclusive action. NFCU has also closed my account without notice. It is Navy Federal Credit Unions Job to Dispute the Transaction and negotiate the fee or dispute it to XXXX based on the defects. XXXX claims NFCU hasnt even reached out to them yet they are sabotaging my account. NFCU refuses to respond to the CFPB complaint ( s ), yet they are taking adverse actions against me and my accounts. 

Government Payments are only able to be garnished or levied by the US Department of Treasury. Here I am without my SSXXXX Payment, For a Lien there was no notice provided for. Which is not a lien it is an overdraft created from a dispute they failed to dispute. 

Which is unacceptable. 

******************************************************************************* Can a debt collector take my federal benefits, like Social Security or VA payments? 

Before a debt collector can take Social Security or VA benefits, they must sue you and win a judgment against you for the amount you owe. Then, the debt collector must get a court order that tells your bank or credit union to turn over money from your account or prepaid card. This is called garnishment. 

The key to making sure your federal benefits are legally protected from being frozen or garnished is to use direct deposit to put the money into your account or prepaid card. You can sign up anytime to have federal benefits direct deposited to your bank account or loaded onto a prepaid card. 

As long as I am using direct deposit, which federal benefits are protected? 
Money you receive and direct deposit to your account or card from the following government programs is protected : Social Security benefits Supplemental Security Income ( SSI ) benefits Veterans benefits Civil service and federal retirement and XXXX benefits Servicemember pay Military annuities and survivor benefits Federal student aid Railroad retirement benefits Financial assistance from the Federal Emergency Management Agency ( FEMA ) ********************************************* XXXX XXXX XXXX XXXX I am requesting all correspondences be submitted to CFPB ONLY Do not call or Write. I want the correspondence accessible to the regulators and in writing electronically stamps. 

Copies Sent to / via : Navy Federal Credit Union Consumer Financial Protection Bureau All Correspondences Can be sent to : XXXX XXXX XXXX XXXX XXXX

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