Consumer complaint received 2024-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I want a FULL refund of ALL Unauthorized or Fraudulent transactions within 24 hours. 
I was Frauded by XXXX XXXX XXXX after they ensured me that while my payment was late and I was going through a financial emergency, I was late on payments. I got a lump sum of money I deposited into my Navy Federal Credit Union Account and XXXX XXXX XXXX said that if I paid the past due amount of {$460.00} that day I would not lose my service with them and could continue with service. I could not afford this payment but I did not want to lose service on my account. So I paid the lump sum payment on XX/XX/year>. As soon as I made the payment online, I refreshed the account and it immediately said my account was suspended and now owed over {$1000.00}! They lied to me took my money and still cut off all service and now demand I pay over {$1000.00}. This is fraud. I called and immediately tried to dispute. I asked either to turn my service back on or refund the lump sum of {$460.00} I just paid moments before and after hours of pleading with them, they said they would refund the money but refused to turn my service on which is really what I wanted. I knew they weren't going to refund so I immediately called my bank Navy Federal Credit Union. I told them what just happened and they apologized for how XXXX XXXX XXXX treated me and ensured me that they would be able to reverse the payment for me it would just take a few days to dispute. After 2 months Navy Federal XXXX  XXXX XXXX XXXX refunded my money. I only get paid {$700.00} a month through SSI. With this big payment taken under fraudulent terms, I'm in great financial distress before the holiday and I have no service for my device and now owe over {$1000.00} and my credit is destroyed!. Also. NAVY FEDERAL CREDIT UNION was charging me overdraft fees .. even if I did not have enough money, they would block the transaction from going through, however still charge me overdraft fees every time any charge attempted and was declined. So after complaining that I can't afford to have a bank/ credit union who just takes all my money including money I don't have! So they offered me to opt into their OOPS program. They said with the OOPS program that they forgive like a credit card up to {$500.00} with no overdraft charges. After they refused to refund the {$460.00} from XXXX I was counting on that money to repay the credit but they refused and on top of that even in the OOPS program they charged me over {$200.00} in overdraft fees! I'm getting robbed from all these companies, they are destroying my credit after I worked hard to fix it. Now I'm broke, my credit is destroyed and the holidays are here. This has ruined my entire holiday season credit and life! XXXX and XXXX XXXX both are committing Fraud and Theft of their customers. I demand my money back and I think what's fair is to pay me for the hardships I'm dealing with as well for committed FRAUD and THEFT which are CRIMES!!

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