Navy FCU Bank Account Or Service Complaint

Navy FCU Bank account or service department,

Checking account Account opening, closing, or management Ohio

i was approved for a checking account with navy federal. I was sent a debit card, account number, and a welcoming email. after my sister asked about the - referral fee I was then told that my account was fraudulent and denied access. I was told that I could not have any access because my sister and I have different last names. but we have the same parents. I was told that I could use my marriage license on the phone but when I got there I could not use my marriage license. I was basically told that I was liar and my money would be sent back to the irs even though my son gave me the money from his tax refund so basically I was not only called a liar but a fraud. I have not done anything wrong. my son called which he is a member to verify he gave me the money he was told that there is nothing he could do. my mother and father are deceased. my sister name is - but was born - dob -/-/1965 in - which now she resides in -