Consumer complaint received 2020-01-18
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Date of all activities : XX/XX/XXXX I received emails from Navy Federal Credit Union that ( A New member-to-Member Account Has been added ) stating that I was the requestor and Payee 's  name is XXXX XXXX. I don't know this person and for my understanding it was done online. I don't know how this person had access to my information. 

Next, on the same day someone applied for a loan in the amount of {$2000.00} using Navy Federal online banking. The loan was approve and had the fund deposit into my XXXX XXXX account. {$1000.00} was withdrawn from the XXXX XXXX and sent to XXXX XXXX $ XXXX ( XXXX XXXX ) and then the other {$1000.00} was sent out within five minutes to the same person. Again, I don't know how this happen and how anyone have access to my bank and XXXX XXXX information. I have my Navy Federal link to my XXXX XXXX. 

On the XXXX of XXXX I received another email from Navy Federal stating that they need more documents for ( Personal Expense no Collateral ) that was applied for online ; but since that person couldn't provide the documents the loan was denied. Also, that person enter XXXX. XXXX XXXX XXXX for the loan. All my Navy Federal statements is just XXXX XXXX XXXX. 

My mom and I went to the XXXX, Georgia branch in person ( XX/XX/XXXX & XXXX ) to resolve this problem and fill out fraud paper and was told that the online banking system was down and that they couldn't remove that XXXX XXXX from my account. 

I travel to the local Sheriff Department ( XXXX, Ga - XXXX County ) and retrieved a police report for this matter. ( XX/XX/XXXX ) I contacted XXXX XXXX support their final investigation determined that my Navy Federal information was link to XXXX XXXX   account but they confirm that the payment was not sent from XXXX XXXX balance, it was made from payment source linked to my XXXX XXXX. Therefore, they're asking me to contact Navy Federal to inquire about the unauthorized activities. 

My mom contacted XXXX, XXXX, and XXXX  and placed alert on my social security. 

Navy Federal has added this to my credit report while this was under investigation. 

I fax a letter pleading that I didn't do this and had supporting documents that this person added their name to my account. ( XX/XX/XXXX ) Today ( XX/XX/XXXX ) I received a letter in the mail from Navy Federal dated ( XX/XX/XXXX ) that they made a final determination regarding my claim in the amount of {$4000.00} on XXXX XXXX checking account ending in XXXX that no error occurred based on account activity. I'm responsible for the full amount of the claim. 

Navy Federal stating that I gave a third party my information no I didn't and this unfair and they assume that I'm just XXXX  years of age that I did this. This is unlawful and wrong. I have to pay for someone else fraud activity. I know what system was hack but didn't authorize nothing. My mom search through XXXX to see if XXXX XXXX existed and there is one in XXXX at XXXX XXXX XXXX, XXXX GA her DOB : XX/XX/XXXX. This information was on this person page. 

I need help and some answer ( s ). My ( XXXX XXXX ) ask the lady at the XXXX branch why would they approve for loan online without showing identification and to XXXX year old with no regular job that just started XXXX XXXX. Again, please help me and I didn't authority this transaction ( s ).

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