Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
Subject : Identity Theft Navy Federal Credit Union Fraud Claim Mishandling Consumer : XXXX XXXX Report Number : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX : XXXX : XXXX To Whom It May Concern : I am filing this complaint regarding Navy Federal Credit Union 's improper handling of a fraud dispute involving my identity. Despite my submission of a valid FTC Identity Theft Report ( Report # XXXX ), Navy Federal has issued a final determination ( letter dated XXXX XXXX XXXX ) denying my fraud claim for {$460.00} across accounts ending in XXXX, XXXX, and XXXX, and has held me liable for the full amount. This decision is a direct violation of multiple federal consumer protection laws and reflects a failure to meet minimum legal investigatory standards for identity theft victims. 

Violations Involved : 1. Identity Theft 18 U.S. Code 1028 * My personal information was used without my consent to open or access Navy Federal accounts.

* Navy Federal 's failure to properly investigate and remove the fraudulent charges facilitates continued damage and liability under false pretenses.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681g, 1681c-2, 1681i * I submitted a valid identity theft report under the FCRA, which entitles me to : * Block fraudulent information from my credit file.

* Prevent furnishers ( like Navy Federal ) from reporting fraudulent information. 
* Demand reinvestigation of disputed items. 
* Navy Federal failed to properly respond to this obligation and continued to report the fraudulent account ( s ) and charges.

3. Fair Credit Billing Act ( FCBA ) 15 U.S. Code 1666 * Navy Federal failed to correct the unauthorized transaction ( s ) after being notified within the statutory window.

* They concluded no billing error occurred without showing sufficient proof or consideration of the identity theft report, violating their duties under FCBA.

4. Bank Fraud 18 U.S. Code 1344 & Wire Fraud 18 U.S. Code 1343 * A third party used my identity to defraud a federally insured financial institution, which Navy Federal has acknowledged through its investigation yet chosen to penalize me for.

5. Failure to Comply with Consumer Protections for Identity Theft Victims * Their refusal to acknowledge my valid identity theft documentation obstructs my legal right to relief. 
* It is also a breach of the procedures outlined by the Federal Trade Commission and enforced by the CFPB. 

Requested Actions : I respectfully request that the CFPB intervene to ensure that Navy Federal : 1. Removes all liability and fraudulent charges from my name immediately.

2. Corrects any negative reporting to the credit bureaus.

3. Stops collection or assignment of these charges to third-party agencies.

4. Provides a written statement acknowledging my status as a verified identity theft victim. 

Consequences of Inaction : If corrective action is not taken, the following consequences may occur : * Continued illegal reporting of fraudulent accounts will lead to further credit damage.

* Unlawful collection actions may proceed, leading to emotional distress and financial harm.

* Navy Federal will be in clear violation of federal consumer protection laws, which may warrant penalties or class-action exposure.

* I will pursue legal recourse under the FCRA and FCBA, including filing suit for statutory damages, punitive damages, and attorneys fees. 

Enclosures : * FTC Identity Theft Report ( # XXXX ) * Navy Federal denial letter ( XXXX XXXX XXXX  ) * Supporting documentation, if required. 
Thank you for your attention to this urgent matter. I trust the CFPB will take appropriate enforcement action. 
Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

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