Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Contacted Navy Federal on for a debit card fraud claim XX/XX/year> with Debit card ending in XXXX for the amount of {$75.00}. Navy Federal 's response XXXX/XXXX/XXXX  : " Based on a thorough investigation of your account activity, we have determined that no error has occurred. '' I've expressed that I did not authorize this transaction and it's fraudulent. There are other charges on my account that are suspicious as well, however, I've only decided to dispute the transaction for {$75.00} because I know how banks and lenders work. When you dispute to much, it will give them a reason ( even if disputes are valid ) to close your account. At the time this transaction as well as other transactions took place, I was incarcerated from XX/XX/year> to XX/XX/year>. During this time, I had no communication and my phone in which my navy federal account and debit card is linked and stored on my phone as well as my XXXX XXXX account was in another person 's possessions when the arresting officers took my personal belongings as soon as I got off the airplane. Whoever they gave my personal belongings to, I assume ( without evidence ) that they used my phone and made several purchases. I've asked several people around and there was no confirmation and only denial. I expressed to Navy Federal that I did not authorize anyone to use my card or make these purchases while I was in jail. I am a victim and was taken advantage of while being incarcerated with entities believing I would never get out ; therefore, whoever did it, assumed I would never notice or catch on. As much as I would like to dispute the other fraudulent transactions that I see on my account, I am willing to let bygones be bygones and perhaps financially pay for Karma ( if Ive done it to any individual and ordinary human being in society ) ; but, the {$75.00} was not authorized and it put me in huge financial debt. I was stranded and had to sleep outside in cold weather at XXXX in the morning in XXXX degree weather because the funds that were used on my account and couldn't even afford to order me a XXXX ride from the hospital to my destination. Because this {$75.00} was discovered after checking my funds, I realized whoever used it did so without my knowledge. I did not give this person my information and they used my account on their own to make purchases or transfers that I was unaware of. I am requesting a reimbursement. I submitted documentation of my incarceration date and booking ID number in which I give Navy Federal full authorization to call the county jails to confirm my incarceration and that my phone was not in possession during the times these transactions were made. As I have already submitted the documents to Navy Federal, I do not want to share any more documentation showing proof of my incarceration as well as showing proof that my personal information on my cash app was changed without my consent

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