Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
Good day im XXXX XXXX I am here today seeking more help with 2 account listed on credit report and to show I have had several of my rights under Arkansas law and FDCPA VIOLALTED by Navy Federal Credit Union and XXXX XXXX XXXX. 

1. I reached out to legal help to give myself protection in these scary times of companies garnishing my pay and forcing me to repay overpayment from past employer. 
Navy Federal Credit Union forced closed my accounts and a hard working man and have never been in any type of criminal mischief I was contacted by phone that my accounts were being closed because this company thought that my earning were from ill gains I was working upwards of 130 hrs a weeks and they accused me of not earning my funds legally I was told by Navy Federal representative I had a fee days to remove my funds from the account so I open up a new bank account with a new financial institution and called Navy Federal Credit Union to transfer my funds over to my new account I was told by the representative that I could not transfer my funds to a outside institution but I could only transfer funds to another Navy Federal member I reached out to several military buddies and was able to get one to assist me but he charged me a fee to transfer once funds were transferred i I called Navy Federal Credit Union to ensure that the accounts were closed and was told yes checking and saving was closed so I had a payroll deposit with a overpayment sent from an employer even after company immediately realized there mistake they tried to do a reverse of payment which caused me to owe the employers funds back so called Navy Federal Credit Union and asked to solve the situation and realizing my funds had been garnished by them I didn't have any judgements against or even been contacted by any law group Navy Federal Credit Union bullied me and took those funds so I reached out to all 4 credit agencies to dispute items on credit reports companies being XXXX, XXXX, XXXX, XXXX and placed complaints with CFPB and Arkansas Attorney General not knowing at the time my consumer rights had been violated and under Arkansas Law and FDCPA 2. Under Arkansas law I was not forwarded the opportunity navy garnished fund and applied as they felt but under arkansas section 17-24-509 my rights were violated 3.17-24-509. Multiple debts. 
If a consumer owes multiple debts and makes a single payment to a debt collector with respect to the debts, the debt collector may not apply the payment to a debt that is disputed by the consumer and, if applicable, shall apply the payment in accordance with the consumer 's directions. 

My funds were garnished I feel most people really might not understand that have rights and these companies prey on the unknowing i am making a stand for myself and those other like me. 

As a resident of Arkansas I was never served with notice of garnishment. 
Definition of garnishment Garnishment refers toa court ordered process for collecting on a judgment, which takes money directly from the defendant 's wages or other third party who owes the defendant a debt. 




2020 Arkansas Code Title 16 - Practice, Procedure, And Courts Subtitle 7 - Particular Proceedings And Remedies Chapter 110 - Attachment and Garnishment Subchapter 4 - Garnishment Proceedings 16-110-415. Garnishment of wages Universal Citation : AR Code 16-110-415 ( 2020 ) ( a ) Upon the garnishment of salaries, wages, or other compensation due from the employer garnishee, the employer garnishee shall hold, to the extent of the amount due upon the judgment and costs, subject to the order of the court, any nonexempt wages due or which subsequently become due. 

Again i was not forwarded any opportunity to communicate before funds were taken and my right were violated. Navy federal and sayer law firm bullied me with and judgment 15 U.S. Code 1673 - Restriction on garnishment ( a ) Maximum allowable garnishmentExcept as provided in subsection ( b ) and insection 1675 of this title, the maximum part of the aggregatedisposable earningsof an individual for any workweek which is subjected togarnishmentmay not exceed ( 1 ) 25 per centum of hisdisposable earningsfor that week, or ( 2 ) the amount by which hisdisposable earningsfor that week exceed thirty times the Federal minimum hourly wage prescribed bysection 206 ( a ) ( 1 ) of title 29in effect at the time theearningsare payable, whichever is less. In the case ofearningsfor any pay period other than a week, the Secretary of Labor shall by regulation prescribe a multiple of the Federal minimum hourly wage equivalent in effect.

Only after the funds were taken did navy federal and XXXX XXXX XXXX file for judgement after I filed for a dispute with XXXX, XXXX, XXXX and consumer financial protection bureau then after did navy federal file after the judgement shortly after I reached out to the Arkansas Attorney General office and received response back from navy federal via Arkansas Attorney General the judgement was dismissed by navy federal and XXXX XXXX XXXX I felt if it was a scare tactic to force and scare so that is the reason I reached out to Arkansas Attorney General office for assistance I feel i was violated and coercion tactics Definition of OPPRESS keep ( someone ) insubservienceandhardship, especially by theunjustexercise of authority. 

" a system that oppressed working people '' These to company placed a judgemt against me and did not inform me of those actions and i was denied employment because checking my background they found I had a judgement pending and denied me employment has caused me financial hardship for them not following the law. 

17-24-507. Unfair practices.

( a ) A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt.

There Practices were in secret and unfair to me as a consumer.

After findings of judgement I contacted the Arkansas Attorney General 2nd time and they stepped in the middle law suite was dismissed Navy Federal Credit Union and XXXX XXXX XXXX used deceptive means to cause fear and emotional damage to collect. 

17-24-511. Furnishing certain deceptive forms. 
( a ) It is unlawful to design, compile, and furnish a form knowing that the form would be used to create the false belief in a consumer that a person other than the creditor of the consumer is participating in the collection of or in an attempt to collect a debt the consumer allegedly owes the creditor, when in fact the person is not participating in collecting or attempting to collect the debt.

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