CFPB Complaint

NAVY FEDERAL CREDIT UNION – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-01-12T00:00:00

Product: I do not know

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I received a letter titled IRS demand payment for a debt of {$1800.00} for my XXXX taxes. The letter contained my complete social security number in the upper right hand corner and stated that IRS has requested several times for funds in the first letter and I should pay-up immediately. Two months later another letter was sent to my XXXX XXXX XXXX asking me to pay up immediately. In XX/XX/XXXX, another letter came in through regular mail to my home, stating that I owed IRS {$2100.00} and if I did n’t pay up immediately, 15 % of my social security benefits would be seized. I was told not to contact the Social Security Administration about the deduction from my social security benefits. I notified my credit union and Social Security Office, downtown XXXX about the threat. I met with the credit union and social security official and changed my account, in fear that my bank account had been compromised.
On XX/XX/XXXX, my credit union account showed that my {$1100.00} social security benefit check was reduced to {$990.00}. I met with Social Security Administration on XX/XX/XXXX who explained that no such deduction had been made to my benefits by Social Security Administration, I was given a copy of my Social Security benefits for XX/XX/XXXXshowing that {$1100.00} was deposited. I than met with the Credit Union who said that no such deduction was authorized by the credit union and that the {$990.00} was deposit as is.
I returned again, after discussing the deduction with my tax person, to the Credit Union and asked if any authorizations had come in demanding payment for the debit and I was told no. The credit union explained that when deductions are authorized by a creditor, the total amount of the deposited benefit is recorded and then the authorized debt is shown, in my case, the {$990.00} was the only deposit made. I went back to Social Security Administration on XX/XX/XXXX and asked again about the deduction. I was told that on XX/XX/XXXX, my {$1100.00} benefit check was sent to the credit union for deposit, the credit union sent the {$1100.00} benefit check back to Social Security Administration and on XX/XX/XXXX, Social Security Administration deducted XXXX. Social Security did n’t know who deducted the funds on XX/XX/XXXX, but would send a copy of the authorization to deduct the funds in a couple of days on Social Security Administration stationary. No such notification has come in the mail as of XX/XX/XXXX.

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Company: NAVY FEDERAL CREDIT UNION

State/Zip: CO 802XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2779153

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