Consumer complaint received 2024-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Saturday, XX/XX/year>, I arrived at Navy Federal Credit Union located at address around XXXX a.m. I was wearing a red and white hat that read XXXX XXXX XXXX, a red polo XXXX polo style shirt with khaki shorts. while waiting in the line to try to cash my checks, I noticed the XXXX ( XXXX female, XXXX to XXXX in height, shoulder length hair/ weave ), whose name XXXX read XXXX or XXXX. She sat at the right-end banking window from the waiting line ( the first window from the front entrance ). She kept looking at me strangely to the point it made me notice and feel uncomfortable. When she called me to her window, she wasn't friendly or welcoming. I stated to her that I was there to cash my escrow overage refund check for {$1600.00} from my mortgage servicer due to my property tax emption ( XXXX Veteran ) and a {$4.00} refund check from my previous homeowner insurance Hippo shown as evidence in Exhibit XXXX. 
I was primarily looking to cash the checks and pay overdrawn balance could pay my overdrawn balance. 
She told me that I could only deposit the checks into my account, and it would be a hold on them for XXXX business days. I asked the teller when they started that. She said they had that policy. I said " even if I have an account with you all? She said " yes. '' I didn't trust her with what she was saying and felt like it was because she had access to my account, she just didn't want to cash my checks. After completing the transaction, she gave me my receipt shown as evidence in I left Navy Federal credit union, still feeling uneasy about her about her accessing my account and them not cashing my checks and decided to contact their toll-free customer service number XXXX XXXX. 
Phone call time and dates : XX/XX/year> @ XXXX, call duration, XXXX. I contacted XXXX federal, spoke with a live, female representative on a recorded call, if the cashed checks without it being a XXXXbusiness day hold. First, the Representative said " it was the tellers ' decision, if they wanted to cash the check or not ; then stated it was Navy Federal Credit Unions policy. She sounded contradictory and suspicious as well. I felt like something wasn't right at this point and was nervous because my Veteran and Social Security benefits are deposited at the credit union monthly, and I also was expecting another compensation deposit that I knew would be coming within the next week or so. 
XX/XX/year> @ XXXX, call duration, XXXX. I spoke with a male representative regarding not seeing a pending deposit as I usually did when I made a branch deposit. He made a mistake and said XXXX, then paused when I interrupted when he realized I didn't know " and I didn't realize it at the time ''. 
I went to tell the representative that I was asking about the check for XXXX and the {$4.00} check. He stated to me that he only saw XXXX ( XXXX ) deposit, which was for the {$1600.00}. which would have totaled both checks. @ XXXX, cancelled call. @ XXXX, call duration was XXXX, I contacted Navy Federal Credit Union XXXX 
XX/XX/year> @ XXXX, call duration, XXXX min. This was the call after saw a deduction for - {$420.00} debited from my checking account in my NFCU app. This is when the female representative said the credit card department had taken the {$420.00}. I still hadn't seen or knew that my combat arms pay settlement had been deposit or taken from my savings account as it still reflected a {$0.00} balance. @ XXXX pm, call duration, XXXX min, I called back the Navy Federal Credit Union to ask why my saving account showed {$2300.00} ; she stated that the credit card department gave me 50 % of the of the - {$420.00}, they took from my checking account and half the combat pay of {$4700.00} they took form from leaving a balance of only {$2300.00}. While speaking with the representative, I immediately left cleaning my yard and went to the Navy Federal Credit Union located at XXXX Hwy XXXX XXXX XXXX, XXXX GA, XXXX. 

believe this was the representative who told me that the credit card department starts to take all funds from the account after 180 days of delinquency. This account has be delinquent far and beyond 180 days and id spoken with representatives in the past regarding these accounts and that I was waiting on the funds to make the arrangements. 
Additional call time to inquire about deposits balance and pending deposits. 
XXXX XXXX, 2024 @ XXXX pm, call duration was XXXX @ XXXX, call duration was XXXX XXXX, call duration was XXXX min Fraudulent Activity : When I arrived at Navy Federal credit union , I noticed that all drive through ATM 's were all closed with at least XXXX ( XXXX ) of them where blocked off by yellow tape. I arrived around XXXX pm, XXXX; walked in there were people at both outside ATMs, a white male police XXXX sitting in a chair to my left, in the foyer entry are and a plus size XXXX lady sitting at the inside greeting XXXX XXXX while standing in line I overheard the teller XXXX  or XXXX  bragging to the male client about her trip the previous weekend to XXXX and encouraging him to live his life seeming where I could hear it ( because she saw that my account was in overdraft the when she helped me the last time I made my deposits. 
This time the same XXXX female named XXXX who sat at the second desk who sat to " XXXX or XXXX " ( I could see if it was XXXX L OR XXXX ) right and slightly straight in front of me, called me up. she asked how could she help? I told her to withdraw the balance of my Checking account, as well the balance of my savings account. XXXX said, '' OK, do you at least want to leave to change in both accounts '', I said yes, there will be another deposit, she gave me the {$210.00} from checking with no problem and a receipt however when she withdraws the saving amount of {$2300.00}. It seemed that she have withdrawn a double the amount. XXXX sat the moneys she took out to the side ; I saw the Teller " XXXX or XXXX '' jump up I think she had something in her had I couldn't really see from how quicky she was walking to the back. XXXX the teller then says to me " hold on, there're some notes on your account, and they look encrypted or something ''. I said " oh is it a problem with me getting my own money from my savings account '' ; XXXX said, " it a lot of notes on your accounts, let me see what it saying ''. I then stated that I had already made a payment arrangement both credit cards XXXX XXXX  and my XXXX a total of {$300.00} which included both visa planum. 
By this time, l 'd been standing at the service stood at the window at least XXXX to XXXX. XXXX told me to wait while she went to the back ( through the door the teller " XXXX  or XXXX '' went through ). The teller XXXX stayed in the back an additional at XXXX minutes. When she came back to the counter, she asked me to have a seat and she would call me back up to window. I sat in the lobby ; I then checked my NFCU app. My account showed checking {$210.00} withdrawn by cash, my savings account " {$2300.00} withdrawn by cash ''. I got really suspicious because XXXX never gave me the money for my savings account or a receipt ; yet had me walk away from the counter for an additional XXXX to XXXX minutes. 
when XXXX called me back to the counter she gave me the balance of the saving in my hand without counting it or giving me and envelope, I used the same XXXX as I did for my checking and walked out later that evening I seeing the multiple transactions in my mobile applications I have included screen shots, downloaded bank statements, settlement offers emailed to me from navy federal credit card XXXX department l 'm also including check stubs. I am not sure how to upload recordings from a conversation with a representative. 

Since the day I removed the remaining balance from NFCU, I have had cellular phone and other personal devices cameras, my phone conversations hacked monitored and compromised. Someone now have access to all my personal information, and I do mean everything from military records to driver 's license information, mortgage, insurance, vehicle information 's and more. any information that proves I was at navy federal was deleted and other places near it etc. from my XXXX XXXX and XXXX XXXX. I have had to change passwords banks social media and government accounts and more. I have also found hidden devices in my home after being broken into, my dog was assaulted while in her crate, medications and other personal belongings were stolen. 
I have also informed the home security services as well as reached out to navy federal on all occasions states above banking account information only. As of today XX/XX/year>, I logged to find out that there are several accounts I never opened, had no knowledge that don't show on my NFCU app ; also accounts | thought were closed. Reporting activity on my credit reports are inaccurate, payment history, my last bank account looks edited. I am asking that a full camera review be conducted at Navy federal Credit Union XXXX Hwy XXXX XXXX XXXX, XXXX GA, XXXX from the said dates. XX/XX/year> thorough XX/XX/year>.

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