TAKING MONEY AND NOT AUTHORIZED TO TAKE IT. NOT ONLY TAKING MONEY FROM ONE ACCONUT TO USE IN ANOTHER ACCOUNT BUT TAKING MONEY FROM A TOTALLY DIFFERENT BANK AND PUTTING THAT MONEY INTO A NFCU ACCOUNT. WHAT THEY DO WHEN THEY HAVE YOUR BANKING ACCOUNT INFORMATION FROM ANY BANK IS UNBELIEVABLE.

First I had a payment that was behind which I was not aware because I was the co-signer of the loan for my husband. Therefore as soon as I found out the account was past due I went up to the bank and paid all the late fees to made the account current. Then I talked with one of the bank officers in her office. I ask her could I set up an automatic payment then she advised me that would be good. Therefore, I set up the payment for NFCU in her office to began receiving 300.00 every two weeks which the loan payment was only 269.00 a month to pay on the loan account that I only co-signed for. However, a couple of months later I notice money was being taking for the loan account it was the extra money that I was paying toward the loan. I went up to NFCU and talked with the same lady again and I said there is some money being taking off the loan payments that I am trying to pay off. She looked into her computer system and said they had been taking the extra money and paying on another account that my husband is behind on. So I asked what account is this and how much does he owe. She said, it is against their policy and she could not disclose any of that type of information. I am confused I tried to pay the loan account off, your taking the extra money that I am paying to one account and put it towards another account. You have NO AUTHORIZATION to put this in my husband’s account that I knew nothing about. Anyway, I stop the payment and start going up to bank to pay the bill once a month $269.00 instead of every two weeks. I felt like I was caught in the middle and fighting to payoff an account.

I got caught up with trying to pay that bill and other surprise bills that were coming my way that I knew nothing about these bills. Therefore I was late on my own credit card bill (out of 10 years I have only be late 2 (twice) on my Credit Card) so they called me on my job and I gave her my account number to my other bank to pay the bill which was a 120.00 then I told her I will set up a payment for 100.00 to go to my Credit Card account she said she would send me a form to sign so that I can setup everything. Anyway, she took 120.00 WHICH I AUTHORIZED. She asked me if I wanted to pay the 100.00 now along with the $120.00 because the next due date was coming up soon. I TOLD HER NO JUST ONLY PAY $120.00 and WITHOUT AUTHORIZATION she took it upon her own to take the $100.00 anyway from my account from another bank WHICH I DID NOT AUTHORIZE. NOW 3 days ago another $100.00 has been taken and paid to NFCU towards what I do not know.

Someone needs to really check this bank out on how they treat their customers and how they handle their accounts.

AUTO LOAN AND CREDIT CARD WAS BEHIND PAYMENT BECAUSE OF UNEMPLYOMENT RIGHT NOW.

I was owed $78, 000.00 for over 5 years.
Finally, it was paid into MY password protected account, but I did not know it had been put in.
11 days later it was removed by the person who owed it, from MY account.
My account is password protected. It only has MY name on it. It was ear-marked for identity theft.
NFCU allowed the person who finally paid me to take it back out!
I spent 60K with lawyers and lost.
NFCU needs to be held responsible for stealing my money!
I have a letter from Sheila Albin, NCU Assoc General Counsel who said it IS legal! How can this be?
I hope NFCU is one of the banks that dry up for its unscrupulous behavior!!!
My account shows the money in and the money out! I have court papers saying it was owed me.
However, I ran out of money to fight for it. My lawyers could not compete with Nevada lawyers who were actually being indicted for income tax fraud while it was going on!
I am at poverty level.
NFCU should be held responsible for robbing my account of money put in.
It is like when a renter deposits into landlord's account rent money.
Renter may not remove said money eleven days later and say it is in the "wrong account" or everyone would do this with their bills!!!
Where should I turn? I have all the NFCU phone calls on my cell phone since last October! I want these people to own up!

I have my account closed by NFCU when learned I filed a bankruptcy against them. My account is where my paycheck goes twice in a month and I need that account to pay my bill, buy food for my wife and two daughters, withdraw cash from ATM's and to pay some other expenses. Now that my account is closed I don't know what to do to all of these personal business.

I have been a member with Navy Federal Credit Union for years paying all my bills on time every time until February 2008 when I unexpectedly lost my job in the financial services sector due to the changing economy. I then resumed work in April 2008 at a much lower income which put me in a situation where I no longer could pay my bills. Out of all my creditors, NFCU is the only one I have had issues with and the only one who has repeatedly and uncaringly violated multiple sections of the Fair Debt Collection Practices Act. I will say that although their collections and customer service reps were rude and uncaring, that the one Personal Financial Management rep I spoke with and wrote too was very professional even though she was not able to help me. I will include my emails to this personal finance manager at Navy Federal Credit Union below that express the issues I have had with the company.
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Email 1 (7/7/08 3:21 p.m.):
Hi **(Navy Federal PFM),

Sorry, I have very limited time during the day to call back. Do you have the 80 month 0% interest program like Bank of America? I owed over $20, 000 to Bank of America and they just put me on a 0%, 80 month repayment plan where they take $250 out of my checking account on the 16th of each month from now on. Since my income is minimal, this works because they get their money back, I can still eat at least one meal a day, and it is a better plan than going through court, getting a judgment, then getting a maximum 10% wage garnishment on a job I have been at 3 months. If you close and combine both the line of credit and the credit card, you should be at $30, 000. With the 0%, 80 month program, that is a monthly payment of $375 which I can still manage. Is this possible? If so, I can get you the routing and account number to my checking account which you may take $375 monthly from on the 16th of every month. Please let me know by email or by phone. I talked to the NFCU collections people about this every time they call and they still have not called back with an answer.
Best Regards,
Ross ******
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Email 2 (7/7/08 4:12 p.m.):
Hi **,

Since you are in a management position and I want to work with NFCU to resolve my balances, you might want to be aware that Navy Federal Credit Union collections agents have violated these sections of the Fair Debt Collection Practices Act just in communications with me and other people that I know:

Section 805-a1
Section 804-2
Section 804-3

I have included a PDF copy of the Fair Debt Collection Practices Act for you to match the corresponding codes to the booklet. I have specific examples if you need them with dates and times recorded on cell phones and phone bills, testimony from specific individuals, etc.

Best Regards,
Ross ******
___________________________________________________________________________________
Email 3 (7/8/08 11:57 a.m.):
Hi **,

I received your message. Thank you. I cannot afford a payment of $403 a month. I received a small raise which only adds about $22 net to each of my paychecks. I cannot believe that Bank of America has better repayment programs than Navy Federal Credit Union. If the payment cannot be reduced to $375 per month combined, there is nothing I can do. I just don't make enough money anymore. I don't think I even qualify for these programs since I am virtually making the same amount of money as when we started trying to work things out.

On another topic, Amy from Navy Federal Credit Union keeps violating the Fair Debt Collection Practices Act. She just called my girlfriend again about my debts after she requested to not be called 2 weeks ago. They have also called my mother about my debts. Both are at different addresses and different phone numbers. I have not spoken with my mother or lived at that address for ten plus years and this has now caused her to call me and have even further damaged relationships with my family. I lose my job after paying on time every time for years and I am treated like garbage for something I can't control. NFCU is the ONLY creditor who has not granted me the 0%, 80 month repayment program. Below are the sections of the Fair Debt Collection Practices Act that have been violated. I am keeping a record of each offense with estimated damages. All I am asking is that NFCU abide by the hours and terms of the law when contacting me. You have been nothing but professional and courteous when speaking with me and I appreciate it. I can't say nearly as much about the collections department.

I have never given consent to call my mother or my girlfriend and this is now causing un-repairable damages to both relationships.

"COMMUNICATION WITH THIRD PARTIES. Except as provided in section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector."

My girlfriend has complained about numerous calls per day to her cell phone about my debts (she is not a NFCU member and has no credit cards) and when she asks them to not contact her, they argue with her! They also continue to call her the wrong name even when she corrects them. This has caused un-repairable damages to this relationship.

"(5) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number."

Best Regards,
Ross *****.