Consumer complaint received 2022-08-08
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
Me and my children are victims of targeted organized crimeXXXX XXXX, I received an electronic notice that I received a deposit. I thought the deposit was from my property manager who is theONLY person with my business account information. No one else, has the business account information butXXXX XXXX, Real Estate XXXX of the XXXX XXXX XXXX XXXXXXXX ) XXXX. I went to pay my mortgage payment and noticed {$2900.00} was withdrawn from my account leaving a negative balance of {$29.00} so I called NFCU to find out what happened to the funds.OnXXXX at XXXX a scammer by the name of XXXXXXXX XXXX, used acounterfeiXXXX XXXX XXXX bank check and made a deposit at theNFCU branch location XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. I never lived in nor ever visited the state of Georgia and don't know who this person is. I am also a victim of identity theft - it escalated over the years with my name, SSN, email, phone and DOB being sold to the dark web on XX/XX/2022. NFCU told me the XXXX XXXX XXXX  check # XXXX was dated XX/XX/2022 by XXXX XXXX. XXXX XXXX was the writer of the check. XXXX XXXX was a customer of XXXX XXXX and wrote the check to XXXX XXXX. The deposit time was at XXXXXXXX XXXX XXXX and then at XXXX withdrawal was done right after. Not sure if identification was used to identity the person ( s ) who made the deposit and withdrawal of {$2000.00}. The teller who took the check did not write identification of the person who made the deposit on the check. The money stolen from my account was money for my mortgage payment. That business account was set up solely for my mortgage and the only deposits received are from my property manager. NFCU does not know if it was one or two people who made the deposit e.g. XXXX and whomever the female was who impersonated me. Also, I am the only person on my NFCU account - no one else is authorized to access my account. NFCU accepted the counterfeit check from the scammer ( s ). XXXX XXXX, wrote my name, SSN and the company 's old XXXX XXXX Wyoming business address on the back on the XXXX XXXX XXXX check - forging my name on the back of the check as well. My attorney changed the business address early this year so the scammer used the wrong address when he/her impersonated me. I have beentargeted by a counterfeit check scam. In addition, the transaction should have been caught on camera since the deposit was made at a branch and I would like charges filed against this scammer ( s ). I had NFCU close the business account and issue a new account number also placing restriction on the account that no deposits are to be made into the account at a branch and I am to be notified if any attempts are made. The confirmation for the NFCU fraud claim is # XXXX. This account is solely for my mortgage loan which only receives electronic deposits from my property manager so I find it odd that this very organized and targeted incident happened, in a state on the other side of the country- at this specific branch, and the teller didn't write the persons identification on the check. The scammers stole {$2000.00} from my account - that was money which was for my mortgage and the funds have not been recovered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief