Consumer complaint received 2023-10-05
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
NOTE : The scammer is apparently a mother. She has shown me pictures of herself and her son. She seemed very desperate for help. Please keep that in mind. 

It all started in XXXX. In XXXX, I was eager to buy concert tickets. It was my first time buying them through a different platform, such as XXXX. I was very naive yet desperate. 
I meet someone who seems very willing to give me XXXX front row tickets for $ XXXX. That sounds like a deal! 
PS : XXXX, the main instigator, had XXXX people receive my funds, aka XXXX and XXXX. XXXX claimed she could not receive XXXX payments due to her account being locked, probably linked to her bank account being locked. I dont know. Maybe? Who knows with her. She is a XXXX. 
However, when I sent payments on XXXX, they kept claiming they did not receive them. I believed them because it was a XXXX  and the transactions have not yet reflected into my bank account. 
Next thing I know, I am missing nearly $ XXXX for a transaction that was originally supposed to be $ XXXX. I was devastated. I lost a lot. They then claimed that their brother in law works for XXXX, and he can get us both our money back since her bank account was locked due to these transactions, allegedly. 
I said alright because, hey, I get my money back! However, she shared that in order for both of us to receive our money back, we would have to add our own money to balance it out. Keep in mind, I still never got the tickets at this time. I figured since I was in so deep I XXXX as well keep going because she kept reassuring me I will get everything I want in the end. 

Needless to say, I lost even more. I lost $ XXXX altogether because she kept claiming I will get it back and she needs help because her bank account is also locked. I sent it through XXXX at this time because XXXX blocked me from using their app due to the suspicious transactions. LOL. Seriously? She also has a son and she is married, so I figured she would be more trustworthy. Oh, definitely not. 
Additional information... 
I blocked her once since I got fed up with the seemingly endless transactions, yet she contacted me XXXX different ways afterwards practically begging me to help her unlock her bank account. The begging on top of her being constantly reassuring that XXXX get everything on top of her being a mother ( apparently ) was definitely a convincing story. I fell for it, and I lost everything. That $ XXXX was all I had. And guess what? Still no tickets. 
I also have photo evidence of her admitting that I did not receive the tickets and I paid more than needed. I also filed a police report, however it was rejected due to not filing a police report at my military base first. I just received that news today. I am just sharing that information to show how seriously devastated I am about this. 
She claims she can not give me any of my money back because it is filed into this transaction involving balancing out. If we did not complete it a certain day, the interest/set limit would increase, which is why I lost $ XXXX. Another day another increase. 
It was all so confusing. I was the one who was supposed to be gaining something but I was the one who lost the most between us despite their constant yet believable XXXX stories. And guess what? Still no tickets. LOL. Just tears and sadness.

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