CASE OVERVIEW: CODY v. FCFCU
A Summary for Family & Record
1. THE LEGAL SITUATION: “WRONGFUL FROM THE START”
The bank claims they “served” Cody with papers, but they never actually put them in his hands or sent them via certified mail to his home.
- The Double Standard: The bank sent certified mail to multi-million dollar credit card companies, but only sent a regular letter to Cody—an ADA-disabled person they knew struggled with mail management.
- The Judge’s Error: The judge ignored the ADA (Americans with Disabilities Act) and ruled that as long as the bank “checked the box” saying they mailed it, Cody is legally considered “informed,” even if he never saw it.
- The “Walmart” Discovery: Video evidence shows that sheriff personnel only put up “No Trespassing” signs after Cody was out in the cold. If they had done their jobs months ago, Cody would have known.
2. CODY’S EFFORTS TO FIX IT: “THEY IGNORED THE TRUTH”
Cody didn’t just ignore his responsibilities—he fought a broken system to pay them.
- The Payment Portal Lag: Cody used the bank’s new portal. On multiple occasions, payments failed because of “timing issues” (e.g., an Apple subscription for $1 hitting the account at midnight, slightly undercutting the balance for just 3 hours until a deposit cleared at 3:00 AM).
- The $2,007 Check: To ensure the bank got their money without “bouncing,” Cody used a specialized service (CheckRider/Square) that pulls the money before issuing the check.
- Shady Bank Math: Instead of applying that money, the bank manager moved it between separate accounts, “locked” Cody’s savings, and produced “weird math” that didn’t total up correctly. They treated him like a “bad person” instead of investigating their own system errors.
3. WHERE IT STANDS NOW: “BEYOND REPAIR”
The bank decided to “hurt him anyway” rather than do their due diligence.
- Freezing Removal: They forced Cody out on one of the coldest nights of the year.
- Gross Negligence: They left the doors to the house open with the heat running. This caused the pipes to burst and the walls to fill with mold.
- Property Destruction: They destroyed property with sentimental value (the mini-fridge from his murdered friend).
4. WHAT THE BANK MUST DO TO MAKE IT RIGHT
Cody is no longer asking to go back into the house—the damage is done and the trust is gone.
- Total Accountability: They must pay for the full value of the property damage, the destroyed personal items, the utility theft, and the emotional trauma caused.
- Settlement: The only way to “fix” this now is a significant financial settlement to cover his losses and allow him to rebuild a normal life.
Cody isn’t backing down. He is fighting for what is right, and he is coming for the truth.