Consumer complaint received 2024-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
Please see attached : XXXX. Navy Federal Credit Union failed to return physical checks which I want to send to the XXXX Treasury. Even though I requested that Navy Federal Credit Union provide the physical checks, NFCU stated that their policy is to destroy the checks. On XX/XX/XXXX, I tendered a check to Navy Federal Credit Union and expressly requested that NFCU provide me with the physical non-destroyed check so that I may send it to the US Treasury. Instead, Navy Federal Credit Union destroyed my property which I paid for and for which I used and expressly against my instructions, NFCU destroyed my property. 

I then requested that since Navy Federal Credit Union destroyed my property, then NFCU should apply the face value of my checks to the mortgage account since XXXX XXXX destroyed my property. NFCU refused. NFCU refused any remedy for destruction of my property, therefore, I am unable to send the physical cancelled checks to US Treasury per the provisions of Public Law XXXX. 

The cancelled checks are valuable financial instruments and Navy Federal Credit Union destroyed my valuable financial instruments without compensation, thereby causing harm to me and stealing my property. See CFPBXXXX, CFPB5 XXXX. I requested that Navy Federal Credit Union provide me with the original Loan Application which is valuable consideration for the Debt. Navy Federal Credit Union refused to provide me with the original Loan Application and therefore deprived me of the right to settle directly with US Treasury for the original value of the note. Navy Federal Credit Union caused harm to me in the full amount of the mortgage by their failure. Instead, Navy Federal Credit Union has my valuable consideration in the Loan Application and NFCU has the mortgage note, in essence getting paid twice since NFCU already got the credits for me using my Loan Application which they have sequestered/ absconded with. This is unfair trade practice and unfair debt settlement. There is no Debt as NFCU has the valuable consideration in the form of the Loan Application which can be processed with a XXXX, XXXX and XXXX. Navy Federal Credit Union denied me that right. See XXXX, XXXX XXXX. The Mortgage XXXX XXXX XXXX XXXX of XXXX was extended to XXXX. It was an XXXX of XXXX to relieve mortgage debt through a debt forgiveness program. Since applying for the loan in XXXX, I have become disabled as a XXXX XXXX. I requested that Navy Federal Credit Union cancel the debt and forgive it under the ACT. Navy Federal Credit Union refused. It appears that Navy Federal Credit Union is denying my right to have the Mortgage Debt forgiven as XXXX intended under the ACT. Such is Unfair Debt practices. Navy Federal Credit Union failed to disclose this as an option in its correspondence concerning XXXX XXXX. Navy Federal Credit Union engaged in unfair trade practices in the interstate commerce of banking. See CFPBXXXX, XXXX, CFPBXXXX, XXXX. Navy Federal Credit Union failed to provide any of the loans with I declared as not abandoned and failed to provide any bonds as not abandoned, therefore, depriving me of valuable consideration in the interstate commerce in banking. See CFPB9 XXXX. Navy Federal Credit Union failed to properly annotate deposited checks by failing to show the account to which they were deposited ; thereby, indicating a loss of control, co-mingling funds and failure to properly credit accounts. The Teller counter receipt does not show who paid, the amount paid, and the full account to which the funds were credited, thereby opening up the potential and likelihood of money laudering/ misapplication of funds. This issue has been reported previously but Navy Federal Credit Union continues to engage in improper accounting. The checks labeled .private. special deposit.entrust. have been co-mingled funds with general deposits which is a form of unlawful conversion. See CFPBXXXX, CFPBXXXX XXXX. Navy Federal Credit Union still has not corrected its use of XXXX XXXX for online payments. The online payment system uses XXXX XXXX XXXX. We expressly prohibited XXXX XXXX from having access to our financial information, but Navy Federal Credit Union did it any way. XXXX XXXX is at least XXXX percent owned by XXXX XXXX which is responsible for the deaths and fires in the XXXX land grab. XXXX XXXX has been involved with crimes against the people. We expressly prohibited Navy Federal Credit Union from using our funds to fund a criminal organization, but they did it anyway. 

XXXX. Navy Federal Credit Union improperly applied funds to XXXX XXXX. A Navy Federal Check was tendered, NFCU deposited it, and Drafted it on XX/XX/XXXX. However, the Suspense Balance shown on XX/XX/XXXX shows partial payment which is false. It was paid in full. This is failure to provide Truth -in-Lending. Note also that NFCU was OFFLINE making mobile payments and online payments impossible, necessitating in-person payment at the Navy Federal physical location in Kentucky. I do accept Navy Federal Credit Unions explanation however, their computer system created a false and incorrect log. This item is still outstanding from my XXXX prior report. see CFPBXXXX Suspense XXXX, CFPBXXXX Suspense XXXX Offline, CFPBXXXX

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