Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I was wrongfully accused of XXXX fraud by a family member who sent me a few transactions on 3 occasions and only disputed 2 of them which no one at the bank knows which 2 it is so I have been appealing on all 3 because he voluntarily sent them all. I recently found out after all this happened that he was no longer a member of NFCU and that his account may have been closed for doing the same exact thing he is doing at his current XXXX XXXX  disputing transactions that were actually made by him. I was told by NFCU that they can not look at previous member accounts that have been closed. Its like they want me to be the criminal or the bad guy and Im their member. This has caused my checking, saving and credit accounts to be restricted without a proper investigation. On the day of my restriction, I went by the bank before it had been placed on my account to see what I needed to do about the XXXX allegations. I was told by the NFCU employee that my bank account is absolutely fine and that XXXX is just a 3rd party company that NFCU uses and it is completely separate from my NFCU accounts and would have no effect on it but it will terminate my XXXX account for now and I could file an appeal to prove the transactions were legit which is what I did only to have my NFCU accounts restricted just a few hours later. That was complete false information, this was the same employee that informed me to take all my funds out of all my accounts because it would take up to 90 days for a response on my appeals and move it to another bank so she pulled all my money out my accounts for me. 
I feel like I have been treated like a true life criminal, and this is so embarrassing especially at the bank. I had to withdraw money that was deposited after the restriction, and they had to make a phone call and use code words and type paragraphs on my account before releasing the funds like Im a criminal. I just started crying at the bank in front of everyone because why when Im actually the VICTIM, having to go through all of this after submitting evidence that I am INNOCENT and my account was restricted for no fair reason. I was voluntarily sent money from someone and now I must go through XXXX to prove it when all they said was no I did not send it and enjoy life for now until I take them to court. Why dont they have to prove that they didnt send it. What investigation did they have to conduct to prove that they did not send it besides just saying they did not send the money? Were they questioned about the copies of text messages I sent as proof? Is anyone making them prove they did not log into their own account and send those payments out because it was not just me that he disputed the transactions against it was another family member of his as well that is not related to me, I was informed about at the same exact time as my dispute. What he has done is a crime and the banks may try to let him get away with it, but I will NOT.

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