Consumer complaint received 2022-10-24
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or about XX/XX/2022, I opened a fraud claim with Navy Federal Credit Union XXXX XXXX NFCU  XXXX ) The disputed charges range from XX/XX/2022 through XX/XX/2022, which I listed in an Annex, and explained to XXXX which lead to approximately {$15000.00} USD. Throughout my conversation with the fraud claims XXXX, I explained I was attending military field training during the dates these charges were placed on my account, and that the charges were not incurred by me. I provided sufficient proof, and evidence through my military work, and job to prove I was unable and incapable of making those charges. After XXXX returned my fraud report back to myself not in my favor, as soon as I was out of field training, I provided a letter from my military command, again confirming my training participation during the dates when the fraudulent charges were made. I provided a copy of this letter to XXXX. After seeing XXXX would not take my situation seriously, and provide evidence that they felt these charges were mine, on or about XX/XX/2022, I reported this matter as a fraud claim to the XXXX XXXX XXXX XXXX, which I also provided XXXX. As of the date of this complaint, I have not received communication from NFCU regarding this claim, despite sending official correspondence in XX/XX/2022 to their proper mailing address, conducting Emessages, and going to the bank specialists in person. As of the date of this NFCU has failed to validate the disputed charges. As of the date of this complaint, NFCU continues to report the balance of these disputed charges to all three credit reporting agenciesXXXX, XXXX, and XXXX. 


Any collection actions regarding this debt constitutes an attempt to collect a debt that is not legitimate, which violates federal law. Based on the above I provided XXXX officially the following : XXXX. Any assertion that I am responsible for the disputed charges is a materially false statement. 

XXXX. The letter from my military command confirming my training participation during the dates when the fraudulent charges were made serves as evidence that these transactions were charged fraudulently. 

XXXX. XXXX has a duty to investigate and validate all fraudulent charges disputed by consumers. 

XXXX. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), NFCU must not furnish any information relating to a consumer to any consumer reporting agency if NFCU knows or has reasonable cause to believe that the information is inaccurate. In this case, my fraud claim report, the letter from my command, and the police report serves as reasonable cause to believe that the information is inaccurate. 

XXXX. Under the FCRA, a person who is negligent in failing to comply with any requirement imposed by the law is liable to the consumer for all damages sustained by the consumer as a result of the failure, the costs of any successful action to enforce liability, and reasonable attorneys fees. 

XXXX. Therefore, I demand that you promptly remove the disputed charges from the above referenced account. If you fail to do so, I will initiate claims, XXXX XXXX under 15 U.S.C. 1681 XXXX XXXX

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