Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I have evidence that Navy Federal Credit Union is closing my accounts due to false fraud claims made by XXXX XXXX XXXX 's ( my XXXX  I have a disagreement with ) financial institution, to XXXX, and have made unauthorized withdrawals to my account. 

I have been a Navy Federal Credit Union member for 15 years since being a XXXX XXXX XXXX XXXXXXXX, and am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I also work in a XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I received a total of XXXX transactions from XXXX XXXX XXXX, who is a XXXX  of mine in Washington state. XXXX and I connected on XXXX in XXXX, set up a lease, and agreed to transact the security deposit ( {$1000.00} ), check out cleaning fee ( {$160.00} ), base rent for XXXX month ( {$2400.00} ), and a XXXX month pet rent ( {$50.00} ) all via XXXX. We discovered we could only send up to {$1000.00} per day, so hence why there are XXXX transactions total : {$1000.00} + {$160.00} in XXXX when we signed the lease, {$1000.00} + {$1000.00} + {$450.00} in XXXX as she entered the premises. 

She and I had some disagreements about the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and paid for an extra professional cleaner to clean ( previous cleaner did not clean to her expectations ). She then relayed to me that she wanted to break the lease as she did not feel secure with XXXX  external security cameras outside the unit ( which follow the XXXX policies of only external cameras and WA XXXX law concerning video and audio recording external properties ). I had offered to pay for any hotel stay she was staying at as well for the discomfort. She declined as she was staying at family friends home. I agreed I would send her security deposit back within the allotted time under WA state law, and any remaining rent prorated as well ( see under file Messages- XXXX ) After that discussion on XX/XX/year>, it was then I was notified my XXXX account was restricted. I spoke with NFCU first on Tuesday, XX/XX/year>. The Customer Service Rep told me that the appeal was unappealable. She informed me that one one transaction that XXXX 's financial institution tagged as fraudulent, on XX/XX/year> for {$1000.00}. No other transactions were tagged as fraudulent, nor any investigators/ auditors reached out to me for clarification before making a decision to close my accounts. 

I called again on Friday, XX/XX/XXXX after I tried to log into my NFCU Mobile app and could not get in. I called NFCU and the XXXX XXXX told me that the account restrictions and account closures were unappealable. I refused to accept that answer, threatened to contact Federal Regulators and asked for the Reps manager ( XXXX XXXX, that she connected me with a manager. I spoke concerning the restrictions with XXXX, a Customer Service Rep manager. She sent me the XXXX XXXX form only after I relayed the information above concerning my tenant and I. 

I sent the NFCU XXXX XXXX on Monday, XX/XX/year>, as well as evidence of the lease and some screenshots of my communication between me and XXXX. 

On Tuesday, XX/XX/year>, I received email notifications that all the previous transactions that XXXX XXXX XXXX sent me was reversed, in the exact same amounts. 

I firmly believe that XXXX XXXX XXXX told her financial institution that all the transactions were based on fraud ( not just the initial one on XX/XX/year> ). I had told her it was only XXXX transaction, and then told her bank it was all fraudulent. Her XXXX  then notified XXXX, which in turn notified NFCU. Without any due diligence from XXXX, or NFCU, to contact me regarding these transactions, they restricted and are closing my accounts, as well as withdrew all the money from my accounts. 

I will be submitting to the Federal and WA state law enforcement the false fraud claims against XXXX XXXX XXXX and her financial institution. This complaint is against her financial institution, XXXX, and NFCU for being complicit in this false fraud claims. I am also submitting complaints to other XXXX XXXX and WA state regulators to look into this matter. 

In this process, I want a senior director or VP from XXXXXXXX XXXX XXXX  XXXX, and NFCU to personally reach out to me to apologize for this complicity. I have yet to decide to see financial damages from these institutions. 

I am willing to sign/ notarize any affidavits for civil damages and criminal proceedings.

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