Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) CC : National Credit Union Administration ( NCUA ) Date : XX/XX/year> RE : URGENT SUPPLEMENTAL COMPLAINT : Systemic Exploitation of a XXXX Member & Fraudulent Denial of Rights Consumer : XXXX XXXX XXXX | Account : XXXX THE TRAGEDY OF A LOYAL MEMBER : A CHRONICLE OF ABUSE This is the story of a man being erased by his own bank. I am a federally certified XXXX individual fighting XXXX, suffering from XXXX, XXXX XXXX, and a XXXX XXXX that leaves me physically XXXX at XXXX lbs. I have been a loyal member of the Navy Federal " family '' for years, but today, NFCU is utilizing my medical XXXX as a weapon to seize my funds and ignore federal law. What follows is a chronological account of how NFCU has turned my life into a " Circular Trap '' from which there is no escape. I. The Setup : Weaponizing the ADA Because my XXXX can cause XXXX and vocal outbursts when I am confused or misled, NFCU has banned me from all branches, phone lines, and digital messaging. They have labeled my medical symptoms as " XXXX XXXX '' to justify cutting off my oxygen to my own money. They have refused my repeated requests for a Reasonable Accommodationsuch as a dedicated ombudsman or a supervisor with the patience to assist a handicapped member. Instead, they forced me into a communication vacuum. II. The Regulation E Trap : The " Snail Mail '' Lie Following the theft of my card on XX/XX/year>, I reported several fraudulent charges ( XXXX {$19.00}, XXXX {$84.00}, XXXX XXXX XXXX ). NFCU then executed a calculated maneuver to deny these claims : Digital Ghosting : They sent emails with " secure links '' to upload evidence. However, they simultaneously claim I am banned from using their digital portals. The links lead to dead ends, or the claims are closed before the links even arrive. The XXXX Purgatory : They ordered mea XXXX, XXXX manto rely solely on XXXX snail mail. I have sent three separate letters with my proof. In a blatant display of bad faith, NFCU now claims they have " never found, read, or accepted '' a single letter. They tell me I " never sent anything '' while forbidding me from using the only methods ( Email/App ) that provide a digital paper trail. Result : As of XX/XX/year>, they closed my dispute ( Confirmation # XXXX ) citing a " failure to provide information, '' then reversed my credits. III. Psychological Warfare : Late-Night Intimidation The harassment has become predatory. Despite my " Cease and Desist, '' NFCU Security personnel continue to call me from private/personal lines at XXXX XXXX PST. These representatives do not call to help ; they call to scold. On XX/XX/XXXX, they initiated a call to me, held me on a long hold, and then berated me for being on the phone because I am " forbidden '' to call them. When I attempt to seek help through the messaging portal ( as seen in my XX/XX/XXXX records ), they respond with a scripted refusal : " We are unable to assist through Messaging ... a notification was sent by mail. '' This is the same mail they claim never to receive. IV. Summary of Violations Violation of 12 CFR 1005.11 ( Regulation E ) : Circumventing error-resolution by creating impossible barriers to evidence submission. Violation of the Americans with Disabilities Act ( ADA ) : Refusing " Effective Communication '' and failing to provide a Reasonable Accommodation. UDAAP ( Abusive Practices ) : Engaging in late-night harassment and " Constructive Denial '' of funds. REQUESTED REMEDY I am asking the CFPB to intervene before NFCU completely drains what little I have left. I require : Immediate Restoration of Credits for the XXXX and XXXX fraud. A Dedicated ADA Liaison : A single point of contact who is trained in XXXX health XXXX access. Digital Submission Access : A working, verified email or upload link so I am no longer forced to rely on the " lost '' mail system. Cease and Desist : An immediate end to late-night calls from Security personnel. I am a man fighting for my XXXX, and Navy Federal is fighting to take what remains of it. Please hold them accountable. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX | XXXX XXXX

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