The NCUA seems to be going out of its way to be unhelpful to me. I pay the taxes that fund its employees salaries; it ignores me. Its employees do not respond to my emails unless it’s forwarded on by the CFPB. They always find a way to interpret the law in such a way that they don’t actually have to do any work. I wanted to find out if they were ignoring or discriminating against me, so I created an email account under a Hispanic name. I emailed an inarticulate complaint in broken English, and it took a week, but they responded by opening a case number and asking for more information. So I feel justified when I say they really don’t like me.<\/p>\n
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<\/a> 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.<\/p>\n As a member of a Federal Credit Union, the Federal Credit Union Act (FCU Act), grants all members\u2019 two basic rights: the right to maintain a share account and the right to vote at annual meetings. 12 U.S.C. \u00a7\u00a71759, 1769. However, nothing in the FCU Act or NCUA\u2019s 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.<\/p><\/blockquote>\n