Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Hello. Ive been dealing with this fraud dispute issue with Navy Federal for weeks and weeks now and have still yet to get a response after Ive sent in for an appeal. 
The claim was submitted on XXXX on your Debit card ending in XXXX for the amount of {$8700.00}. 

I have a lot of money up in transactions that come in and out of the card, so I never initially immediately noticed the charges until I had started going through all the purchases. 

Immediately after doing so, and realizing that there were multiple fraudulent charges, I reached out and disputed them, and the company denied the dispute. 

I have asked for proof because I had said that there were multiple things that made me innocent in this case in regards to the charges that were made on the account firstly, being for some of the charges, I wasnt even in town for them also secondly, I have had other fraud issues on this account around the same time that this had happened. 

Also, my parents who were the main members that had invited me to join the Navy Federal had had a fraud issue around the same time that I did. 
( XXXX XXXX ) just to be brief on what had happened to him but anyways he had received a call from a phone number that was listed as Navy Federal when calling him and not knowing any better he gave the people on the phone the code to access the account not thinking much of it since it said it was a Navy Federal phone number and a couple hours after doing that he started thinking about it again and went to check on his account to find out that thousands of dollars had already been taken out of the account and I total of XXXX or more and total was attempting to be taken out of the account by the fraudsters. 

So Im not the only XXXX on the account that has dealt with fraud issues. 

The charges that I disputed were for multiple different things both being transactions that were made locally in my city of XXXX as well as Online.

But anyways, I never made the charges whatsoever and am very worried because I am going to be doing a cash out refinance for my first investment property and Ill be having over XXXX in cash deposited into my checking account and I worry about the safety that may be federal offers so Im debating on whether or not to open a different bank account somewhere else or going back to my old bank account Which was XXXX  XXXX XXXX because I had never had these issues with them. The only thing that I can think of as a possibility that couldve happened is, I have heard that there has been a lot of issues in the local area with debit cards being copied from credit card, scanners at gas stations and other local stores so out of everything that I can think of thats the only possibility that I can think is happening. 
Also, like I had told them I had lost my physical card around mid XXXX was my estimate, but I didnt realize it because all my purchases were made either on XXXX XXXX or online so the card was saved and I hadnt noticed it until later on. Anyways I just would like to get this resolved because that is a lot of money for me. Im finishing up on my first ever home purchase and investment property and Im out over {$8000.00} and no one has been able to help me or answer my questions and this has been going on for weeks.

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