Nfcu is guilty of violating banking and fair debt collections act regulations.
Following a medical problem I fell behind on a loan I have with nfcu. My problem, I know. But what nfcu did was reprehensible and illegal. Without any legal authority or moral conciience they sought out my wife, and suspended her online bank privileges, denying het the ability to manage her account. She is not a party to the loan or account on which it is held, and is being blackmailed by nfcu to force me to give them money.
She cannot manage her account, nor pay on her credit card she has with them without spending additional money above and beyond the general population of credit union members. Service fees are now being assesed to her acount because we live 8o miles away from the nearest institution and have no way of telling what her balances are.
Nfcu is directly violating her civil and legal rights.
US and international banking regulations also define violations which they are guilty of:
Corrupt and fraudulent practices: whereas:
They are using " (i) coercive practice, which is, offering, giving, recieving, or soliciting, directly or indirectly, anything of value to improperly influence the actions of another party; (the collection agent is being paid to violate her rights and the regulations of the fair debt collections act).
(ii) fraudulent practice, which is any action, including misrepresentation, to obtain a financial or other benfit, or avoid an obligation by deception. (they are avoiding providing the services to which she contracted for when opening her account).
(iii) COERCIVE PRACTICE, which is impairing or harmoing, or threatening to impair or harm, directly or indirectly, any party or persons closely related to a party, to IMPROPERLY influence the actions of that party; (nfcu has threatened to finacially harm my wife in an effort to effect me paying on a separate account)
(iv) COLLUSIVE PRACTICE, which is the arrangement between two or more entities, without the knowlege, but designed to improperly influence the actions of another party; Whereby nfcu credit collections, and nfcu personal banking, both separate entities, conspired without my wife's or my personal knowledge, to influence loan payments on my part).
YEAH... Nfcu, they are the real serious bad guys... Threatening, blackmailing, and non-communicated sanctions agains innocent individuals.
This is next thing to breaking knee caps. NFCU and it's agents are giving the impression that they are merely are a bunch of thugs content on violating whichever moral and legal precident they have to in the sole effort to make money.
Beware, they will use any means possible, legal or ILlegal to take your money, whether youowe it to them or not.
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