Consumer complaint received 2025-11-27 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: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
Present security for pay, require San Diego Credit Union Intermediary Depository Institution representative, or Trustee as Trustor, private Trustee do business, require deposit, security into my account or an amount XXXX  US dollars; require enclose security deposit into account number XXXX, routing number XXXX. San Diego County Credit Union Intermediary Depository Institution, for pay United States. United States Treasury release funds within three days ; return security, redeposit security into account number XXXX, routing number XXXX. 
Unless the original negotiable instrument is dishonor in writing within XXXX days of receipt by the Treasury Secretary or Secretary of the Treasury, Trustors financial institution San Diego County Credit Union is to release the funds on hold to trustor within time stipulate by Regulation Z Truth in Lending Act ; within XXXX days receipt this instrument, whichever is later, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  US dollars, amount of this security by trustors financial institution San Diego County Credit Union XXXX Treasury XXXX XXXX XXXX to the designate account for the payment of this claim ( Regulation Z ). This statement constitutes, trustor order to pay this instrument upon present and endorse. As an operation of law, payee tacitly consents and agrees that there is accord and satisfaction by use of this instrument to satisfy trustors claim and private Trustee is hereby free from liability on this allege account and the obligation suspend in accordance with law as codify [ California Civil Code section 1521 thru 1526 ] and Public Policy at House Joint Resolution 192 of XXXX XXXX XXXX. Public Law 73-10. Trustor does not waive timeliness. However, if San Diego County Credit Union Intermediary Depository Institution, must present private Trustee with a written request for additional time within a reasonable time, setting forth the reasons San Diego County Credit Union Intermediary Depository Institution, request an extension of time, with good cause show. The acceptability of any such request receive by Trustor from San Diego County Credit Union Intermediary Depository Institution is conditional upon approval by Trustor.

In event this instrument is not pay within a reasonable period of time, and there has been no request for an extension of time with good cause show, San Diego County Credit Union Intermediary Depository Institution tacit consent, agree Trustor satisfaction/discharge debt and redeposit funds to Trustor. The other option, return securities, documents, other instruments to Trustor now. Trustors tacit consent, agree San Diego County Credit Union have a duty, responsibility to prevent this debt claim/monetary obligation from damaging Trustor in any way, and Trustor confess judgment and Trustor reserve the right to initiate a claim and counterclaim against San Diego County Credit Union , and record a claim against the bond of any responsible party, include San Diego County Credit Union , employee, individual, principal, board member, attorney, agent, assignee, whose act or omission result in harm, damage against Trustor.

Lawful definition of Beneficiary : The enjoyment of all Wills, contracts and Trust. Emergency Banking Act of XXXX ; Securities and Exchange Act XXXX, Banking Act of XXXX, fair representation of the financial, agricultural, industrial, and commercial interests and geographical division of the country. Trust Indenture Act XXXX, Electronic Funds Transfer Act XXXX, Federal Deposit Insurance Corporation ; Comptroller of the Currency ; XXXX XXXX XXXX XXXX ; Federal Reserve Notes for the Board of Governors governing body of Federal Reserve System, Floating Rate Notes without being securitize is IOUs, and increase the debt. 
San Diego County Credit Union representative XXXX XXXX keep securities, documents, other instruments, refuse to return, and trade on secondary market and other markets without Trustor 's consent, without compensation Trustee, injury and financial loss to Trust.

Company response to consumer: Closed with explanation