Checking or savings account -- Opening an account -- Complaint #5182563

Complaint Overview

Complaint ID: 5182563

Company: Navy Federal Credit Union

Product: Checking or savings account

Sub-Product: Checking account

Issue: Opening an account

Sub-Issue: Unable to open an account

State: Florida

ZIP Code: 33029

Date Received: 2022-02-03T12:00:00-05:00

Date Sent to Company: 2022-02-03T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Servicemember

Consumer Narrative

I am emailing you all in regards to a matter that has gone unresolved dating as far back to XXXX. In that year of XXXX there was a incident of a check that I deposited for a relative that had returned after processing. This incident took place at the very same time as the XXXX of my XXXX and my battle with my health which had taken a a downward spiral. My family and I were deep in grief, disbelief and hurt as we sought to lay my XXXX to rest, seek justice for him, and find peace. I deposited the check unknowingly that it was a any issue as I am was just being family to a a family member. You all notified and made me aware of the matter. I was in no headspace to pursue the matter of claim against this relative because of what my family and I were already faced with. So I paid the amount that was made to cash, the penalties and all monies owed in the excess of the returned/insufficient check. I did not bother with dispute or refuting, thinking that I can not handle going through that arbitration, deal with trying to hurry my nephew, as well as my diagnosis of XXXX XXXX I was just in no shape to begin to just have more to deal with outside what I was struggling with at the time. Unbeknownst to me this will cause my account to be restricted and lead to me not being able to have a live active checking account with you all. Aside from that although I have the restriction and closed checking account I still have my savings with this financial institution which is baffling, disheartening, in short overall unjust that even with the savings I can not fully access the complete experience of banking with your financial institution as I had in the past prior to the incident. If that were not enough you all issued a credit card to me in which I am prohibited from using. I received the card and then a letter stating that I can not use the account as aforementioned due to a restriction. This same account and card that I am not able to use however, was used fraudulently by someone else. So now here we are with no resolve in the matter of me not being able to have a checking account, but I have an active savings account as well as having a credit card that I am not allowed to use, but it has been fraudulently used. In no way does this makes any logical sense. So I ask that you handle this matter will great intent, diligence, respect and regard to have me treated fairly as a customer/ banking member. All I ask is for this to be cleared, grant me access to the credit card and to a checking account. My access # XXXX and credit account XXXX .....

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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