Consumer complaint received 2025-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I, XXXX : XXXX, Trustee of the XXXX XXXX XXXX XXXX XXXX XXXX solemnly affirm and declare under the penalty of perjury that the following is true and correct to the best of my knowledge : On XXXX XXXX, at approximately XXXX, I and my wife as witness visited Navy Federal Credit Union in XXXX North Carolina XXXX Ive submitted original financial Trust documents including Private Registered Offset and Setoff Bonds related to XXXX XXXX XXXX  and vehicle acquisition. 

These documents were properly notarized by XXXX XXXX first representative after verifying my identification. The notarized documents were then handed off internally to an individual named XXXX XXXX for application of the medallion signature Gaurantee.XXXX. XXXX failed to verify my identity personally which is violation of the medallion stamp program guidelines and notarial law, and unilaterally destroyed my original documents after they had already been medallion stamped. She falsely stated that prior stamped documents had been deemed fraudulent, despite there being no investigative record, submission, or communication validating such claim.This nefarious act of destruction was done without my knowledge nor consent and has directly interfered with XXXX XXXX XXXX and financial transactions. This complaint and affidavit is executed for the purpose of establishing an official record of harm, for use in civil and regulatory proceedings and in defense of the XXXX XXXX XXXX XXXX. 

Legal basis for complaint : North Carolina General statute 141 60-willful injury to personal property : it is a class, one misdemeanor to willfully, injured or destroy any personal property of another without consent : statue 1475-lost knee of choses in action : destruction of negotiable instruments, including bonds or property titles may be treated as lost need of intangible property. 
Uniform Commercial Code statue 1103B-uphold common law, rights and equitable remedies in all UCC matters UCC3 603-discharged by payment or cancellation : a bond or negotiable instrument extinguished through private agreement is protected unauthorized destruction and prevent lawful discharge. UCC statue 9609 only a secured party with proper authority may enforce or dispose of collateral property. XXXX XXXX is not a secured part of this trust and acted without standing. 

Federal statutes 18 US code statue 1341 Mail Fraud and statue 1343 wire Fraud : destruction, or misrepresentation of financial instruments that were transmitted or processed through interstate commerce may trigger federal fraud statues. 18 US code statute 1512-tampering with evidence if documents would destroy to prevent lawful execution remedy or recordkeeping this may be considered obstruction. 15 US code Stat 78Q-record keeping requirements for financial institutions : banks and credit unions are required to maintain accurate handling and records of financial instrument, including guarantees. 

Internal medallion signature guarantee program rules : stamp program : require strict ID verification physical presence of signatory and documented approval for high value instruments. XXXX XXXX failed to adhere to the standards, directly violating program protocols and committing an act of administrative dishonor. 
These violations have resulted in injury to the XXXX, XXXX XXXX XXXX, trust and its, trustees and beneficiaries remedies or demanded both civilly and where applicable criminally. 
A notary is not legally allowed to keep any portion of your original documents, unless legitimate exceptions, rare one : the notary is also a party to the transaction i.e. closing agent, escrow officer or attorney two. The sign expressed consent in writing for the notary to retain a copy IE for title company records. Three its required by state law, a specific cases ( like notary, journals or identification logs, but this does not include original documents ) Unlawful or proper actions include : -keeping originals without your consent -Copying or scanning confidential documents without a valid reason -Withholding documents at the notarization -Destroying documents without written authorization. 

Applicable, legal standards : North Carolina notary public act ( N.C.G .. statute 10 B ) -A notary must act as an impartial witness only and not participate beyond verification -must return all original documents to the presenter unless a legal agency has written authority. 

Uniform Commercial Code ( UCC statue 3501 and statue 3603 ) -commercial paper must be surrounded upon payment or endorsement -Interference with negotiable instrument a private bond without authorization can trigger liability for conversion, dishonor, or fraud. 
Thus XXXX XXXX, employee of Navy Federal credit union violated notary law, trust law, and commercial law Police report XXXX XXXXXXXX XXXX XXXX sheriffs office

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