Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL | NOTICE TO PRINCIPAL IS NOTICE TO AGENT PRIVATE SETTLEMENT DEMAND & NOTICE OF INTENT TO LITIGATE Constitutional Tort | Consumer Protection | Civil Liability [ XXXX A XXXX ] Natural Private Citizen To : Legal Department, Navy Federal Credit Union From : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] NOTICE TO AGENT IS NOTICE TO PRINCIPAL | NOTICE TO PRINCIPAL IS NOTICE TO AGENT THIS IS A GOOD FAITH EFFORT TO RESOLVE THIS MATTER PRIVATELY BEFORE INVOKING JUDICIAL POWER RE : Formal Demand for Recompense Violations of FCRA, FDCPA, FTC Act, Constitutional Due Process, and Civil Harm Resulting from Deposit Fraud, Reputational Damage, and Business/Personal Loss To Whom It May Concern : I, [ XXXXXXXX XXXX XXXXXXXX ], a sovereign, natural-born American citizen acting in full capacity and standing in my secured rights under the Constitution and the common law, issue this legal demand for immediate settlement and restitution. 

This action arises from Navy Federal Credit Unions persistent : Acceptance of over 40 fraudulent checks totaling more than {$3000.00}, without my knowledge or authorization. 
Failure to verify or flag the transactions, followed by account debits and penalty fees wrongly charged to me. 
Refusal to provide requested verification and investigation results, including video surveillance, identity of the parties involved, internal breach reports, or formal correspondence confirming the fraud investigation outcome. 
False statements knowingly submitted to the CFPB, repeatedly labeling legitimate, legally distinct disputes as duplicates, in direct violation of the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and the FTC Act. 
Derogatory, inaccurate reporting to consumer reporting agencies that continues to obstruct access to credit and capital markets. 
Intentional negligence in upholding duty of care owed to a private consumer. 

These actions have caused long-term financial, reputational, emotional, and constitutional harm, all substantiated by written communications, regulatory complaints, and account records already in your possession. 


MONETARY CLAIM FOR DAMAGES 1. Eviction Proceedings and Housing Displacement Due to account disruptions directly impacting my ability to satisfy lease obligations. 
Claim : {$150000.00} 2. Loss of Business Capital and Credit Access As a private entrepreneur, I was denied essential funding, leading to lost clients and market position. 
Claim : {$350000.00} 3. Damage to Personal and Professional Credit Profile Including ongoing denials for loans, credit cards, and business lines of credit.

Claim : {$200000.00} 4. Loss of Wages and Economic Displacement Caused by inability to commute, pay bills, and sustain gainful employment due to wrongful account actions.

Claim : {$75000.00} 5. Pain, Suffering, Emotional Distress & Mental Anguish Ongoing stressXXXX XXXX  embarrassment, and loss of standing in the community. 
Claim : {$120000.00} 6. Constitutional Violations ( Due Process & Equal Protection ) Resulting from suppression of valid legal disputes, false CFPB filings, and lack of remedy or recourse. 
Claim : {$150000.00} TOTAL DEMAND FOR SETTLEMENT : {>= $1,000,000} ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) SETTLEMENT TERMS & EXPECTATIONS I am providing this notice as a final opportunity for Navy Federal Credit Union to resolve this matter privately and avoid litigation, regulatory escalation, and reputational harm. I hereby demand : 1. Written offer of monetary settlement in good faith, with itemized basis and timeline of disbursement ; 2. Formal withdrawal and permanent deletion of all negative credit reporting entries related to this matter ; 3. Official acknowledgement and apology to be transmitted to myself and to all relevant reporting agencies ; 4. Certification of all investigative records and surveillance footage, as previously demanded. 

You are hereby placed on notice that all materials, emails, statements, and internal records relevant to these claims must be preserved under a legal hold, effective immediately. 



FAILURE TO RESPOND If Navy Federal fails to respond within fifteen ( 15 ) days of receipt of this notice, I will proceed to file a civil action in U.S. District Court, and simultaneously escalate to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The Office of the Comptroller of the Currency ( OCC ) The State Attorney General Public forums and investigative media, as necessary to defend my interests. 



Respectfully submitted, XXXX XXXX XXXX XXXXXXXX ] Natural Private Citizen | Non-Corporate Entity | UCC 1-308, All Rights Reserved ( XXXXXXXX XXXX XXXX ) Email : XXXX XXXX

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