The Credit Union (C from here on) banned me from using its services. Just to be a thorn in its side, I sent a complaint to the CFPB. I stated that Section 1764 of the Federal Credit Union Act gives me the right to be heard prior to expulsion by a formal vote. The CFPB forwarded my complaint to the NCUA. It emailed the following response and then immediately closed the ticket so that I had no way of responding. The respondent did not ask any questions about the situation or attempt to be of any help.

As a member of a Federal Credit Union, the Federal Credit Union Act (FCU Act), grants all members’ two basic rights: the right to maintain a share account and the right to vote at annual meetings. 12 U.S.C. §§1759, 1769. However, nothing in the FCU Act or NCUA’s Rules and Regulations precludes a FCU from restricting the availability of certain services provided there is a rational basis for such action. See Legal Opinion Letter 08-0431 (available at www.ncua.gov). The credit union is within their right to limit services to some members.

The Legal Opinion referenced here states that there needed to be some loss by C. And further, C would need to provide me with a formal policy of suspension of services. I don’t know whether such a policy exists, but I was not offered one or told where it could be found. Further, at the time I discovered C had banned me, I don’t believe I had actually cost C a single penny.

The NCUA would not respond to me.