Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I, XXXX XXXX XXXX XXXX XXXX, hereby provide formal legal notice that I am the victim of identity theft and the unauthorized use of my personal identifying information in connection with an account associated with Navy Federal Credit Union, Checking, Saving and Business Accounts, Multiples Accounts. I have reason to believe that unknown individuals unlawfully obtained and used my personal identifying information, including but not limited to my name, date of birth, Social Security number, and residential address, to fraudulently open or access an account with your institution. I did not authorize, apply for, or consent to the creation or use of this account, and I have received no benefit from any transactions associated with it. The actions described constitute identity theft and fraud as defined under federal law, including the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). Any financial obligation created through the fraudulent use of my identity is null, void, and unenforceable against me. Furthermore, pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including Section 605B relating to identity theft, I hereby demand the immediate blocking, deletion, and removal of any account, balance, inquiry, or derogatory information associated with this fraudulent activity from all consumer reporting agencies. Your continued reporting or collection of a debt resulting from identity theft may constitute willful noncompliance with federal consumer protection laws. Additionally, any attempt to hold me liable for fraudulent activity violates my constitutional right to due process under the Fifth and Fourteenth Amendments of the United States Constitution. I can not legally be held responsible for obligations created through criminal misuse of my personal identity. Therefore, I demand that Navy Federal Credit Union take the following actions immediately : Conduct a full fraud investigation into the account associated with my identity. Immediately cease reporting this account to any consumer reporting agency. Permanently close and remove the fraudulent account from my name and credit profile. Provide written confirmation that I have no financial liability for any charges associated with the account. Provide copies of any applications, electronic signatures, IP logs, or documentation used to open or access the account so that the fraudulent activity may be further investigated. Be advised that this matter is being documented and may be submitted to federal regulatory and consumer protection authorities, including the Federal Trade Commission and the Consumer Financial Protection Bureau. Failure to correct this matter promptly may constitute willful noncompliance with federal law and may subject your institution to statutory damages, civil liability, and enforcement actions. Additionally, I am providing documentation and records identifying individuals located in XXXX XXXX who appear to be using my personal identifying information without my authorization. These individuals have allegedly used my identity to obtain financial services and open accounts without my knowledge.

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