Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
b'I, XXXX XXXX XXXX, provide this sworn public statement to report a decade-long, systematic campaign of financial exploitation, identity misuse, document interception, and breach of fiduciary duty committed primarily by my brother, XXXX XXXX, that has caused catastrophic, continuing financial harm and has resulted in repeated garnishments, missing tax refunds, and the diversion of assets and benefits that were rightfully mine.\n\nIve spent the last decade trying to make sense of how I end up just barely financially stable with little savings only to realize I was never supposed to see the truth. What Im living through wasnt some simple mix-up or bad luck. It was orchestrated, built off access that someone I trusted  my brother  used against me.\n\nWhen I was in college, juggling classes and work, I had no reason to think my accounts or documents were being touched. He always had access easy access to my personal information  my ID (temporary black and white ID found in his drawer next to my first unsigned debit card), my phone number (by extension he worked for XXXX which enabled use of my number as I saw double texts in phone bill statements), my email (relayed so even when I lost access, he may have still had access), XXXX  (logged info of passwords I couldnt remember myself I found on his laptop even after wiping memory only to come back to my account logged back on the same laptop)  and used that access in secret to monitor my every move to keep me from seeing what was being done in my name or keep access to my accounts whether it be through an OTP or temporary pin. I didnt realize how deep it went until this past summer, when I started filing CFPB complaints and demanding original records that had been withheld for years.\n\nThats when the pattern finally came into focus.\n\nHe kept denying he had any of our dads documents. I have the whole conversation screen recorded. He said he didnt have anything past 20 years ago. Then after I pushed him, he finally gave me the documents. The briefcase had pay stubs with retirement plan tax benefits taken out and multiple preprinted affidavit forms with blanks to fill in. These were all documents I hadnt seen before or that were only sent to me selectively.\n\nThe unclaimed benefits were in my name, but I never personally made any claim for them. He signed those papers during my first year of college. That was his first breach. I didnt get mine until a full year later, and around that same time theres a charge where I paid off all my student loans in XXXX  and another charge from a student loan service I never used. Right after that are ATM withdrawals in XXXX, Washington  somewhere I rarely went because I didnt have my license until after XXXX, and I never liked going there. The XXXX  charges stand out because there arent any other charges nearby, even though theyre ATM withdrawals, and that other large charge is also irregular.\n\nIn XXXX XXXX, an unendorsed check  my brother claimed tied to annuity lump sum from XXXX XXXX  was deposited into my XXXX  account. I had no knowledge of this. I didnt sign it, I wasnt told about it, and I didnt even know it existed. My brother led me to believe Id receive a direct deposit  never once mentioning a physical check. Later, I found out the paperwork I signed wasnt notarized, wasnt complete, and clearly wasnt structured for transparency. He had told me everything was being handled and that my portion would come through electronically. Then later was notified the CFPB and XXXX  chat simultaneously that the check was received via atm deposit, unendorsed. \n\n\nFast-forward to when I got my hands on a XXXX  document from that same account  which clearly states it was meant to be a single cash payment. No mention of a transfer, no direct deposit. Thats when everything snapped into focus and this was a pattern. He used the banks tools and his technique with computers into order to maneuver and manipulate my account to transfer out the entirety of this lump sum in under 8 months. Then this continued with interest as I am until this day paying for it without ever being given notification as to why I am paying an invisible and seamlessly endless bill thats consistently left me financial budget until now when I have the time to look over the entirety of my finances. I started in the back of house as a prep cook then worked my way into better pay as a bartender for around 10 years.  The last thing I wanted to do when I went home and was to open my bank account and see my account inexplicably dwindle while I worked overtime. \n\nNow I can teach English my 300 hour tefl certificate and soon a 60 hour course on teaching business English. Before that I need to focus on the security around my life. This included. \n\nI started requesting records from every relevant institution  XXXX, XXXX XXXX, the IRS, and credit bureaus  and the picture only got uglier. I can now see that transactions were manipulated inside my XXXX  accounts. He was able to make things balance out visually so the theft wouldnt show up easily  deposits and withdrawals smoothed out to appear routine. Looking at those old statements now, its obvious there were split transactions, duplicate entries, and credit card transference patterns that dont reflect my actual spending or income.\n\nThe credit card under my name was found years later in his room, unsigned  and yet somehow it had been actively used. The statements dont reflect my lifestyle or my reality during that time. I was working, using my debit card, paying tuition, and living modestly  not running credit. Yet the card drained huge sums through ATM withdrawals and unauthorized spending, all while my legitimate deposits disappeared through unexplained transfers.\n\nThen came the fallout.\n\nOnce that unendorsed check was pushed through in XXXX, I started seeing unexplained tax garnishments, offsets, and refund denials that I couldnt even contest because I had no idea what they were tied to. My first garnishment came out of nowhere. After that, it became an annual nightmare. Every year, more money was taken without explanation. Every time I tried to open a new account or rebuild, it would eventually be flagged or garnished again.\n\nI now believe this is directly tied to the misuse of my information  and to my brothers actions with those accounts and documents. XXXX XXXX has confirmed they have no record of a payment under my fathers name or Social Security number, meaning the check he deposited was not a legitimate issue from that source. That alone shouldve stopped everything  but no one caught it.\n\nAnd while all this was happening, I was out there doing everything right. I worked through college, paid off my student loans, paid down my credit cards, and even reached the best credit standing Id ever had after finally receiving my lump sum. I used it responsibly  to clear debt, stabilize, and plan for my future. But within eight months, the entire sum was gone. Between the manipulated transfers, credit card activity, and unauthorized loans, it all evaporated  leaving me with no explanation and no control.\n\nIts hard to describe how it feels to realize the person who grew up beside you  someone you never had a serious fight with  would quietly sabotage you for years. Hes smart, tech-savvy, and knows how to manipulate systems. He has built a good life for himself and has had all the tools to do so he graduated with a XXXX XXXX degree from the XXXX XXXX XXXX and can land a solid tech job anywhere. Governmental jobs included, which may be the reason for all the resistance Im getting as Im continually led to believe this has always been my fault. He used the resources at hand and the social leverage he had over me to use and break me financially while inviting me out for an occasional expensive sushi dinner, his treat. \n\nBesides the betrayal, the gaslighting, the complete lack of respect or human decency, he made a lot more money than me and always had. For years, I blamed inflation and poor staff management at various jobs. Ive always worked hard at whatever I do and I usually enjoyed bartending. I had. A great paying job at one point but with my luck, a car drove through the front of the building and it closed down. A bulk of us were let go shortly after, that was XXXX XXXX in XXXX  on XXXX XXXX, Seattle. Now I can see that every mistake (except for that one, which at this point I wouldnt be surprised was something he manufactured as well) was organized deception to lead me astray in order to cover up a mess he hoped I wouldnt find. Every denial, every delay, every unexplained fee or hold  they all trace back to the same root year, XXXX. The year I had to leave college because even when I planned my budget and attended after turning XXXX, it quickly became less financially viable for me to conceive so I went back to work in Seattle. \n\nIve filed reports with the CFPB, EBSA, FTC, and the FBI (though the site may have timed out since I never got a confirmation email). Ive detailed how this started, what Ive discovered, and what its cost me. Every submission, every document, every note is real  and all point to the same truth: this wasnt incompetence. It was interference.\n\nIm no longer confused. Im angry  and Im done being quiet about it. I want accountability. I want the truth to be reflected in the record, not buried under bureaucracy or assumptions.\n\nBecause Ive done nothing wrong. Ive spent ten years paying for someone elses choices, and now that I finally understand what happened, Im not backing down until this is made right.\n\nPut me under oath and I will answer any question truthfully and youll see that I have played no part in whats happened, I dont even really know all thats justified that continued garnishment straight from my bank account. Ill take accountability where justified but I need the same treatment for all parties involved because I did not incite the snowball effect into my own financial destruction just because I wanted to deposit a check early or make an extra $XXXX  to gain capital over my brother as result of my fathers death. \n\nProvided is exhibits A through P. I have more including a screen recording of the XXXX  conversation rather than just the transcript.'

Company response to consumer: Closed with explanation