Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am formally disputing the classification of this complaint as a duplicate, as it raises distinct and unresolved issues involving transaction sequencing failures, system processing defects, and potential violations of federal consumer protection law. This matter goes beyond a routine overdraft issue. It involves : The simultaneous execution of automated overdraft transfers ( XXXX ) despite sufficient funds already being transferred by the consumer The failure to properly sequence or reconcile internal transfers, resulting in duplicative debiting of funds The institutions refusal to provide transaction-level data, including timestamps and processing logic These failures resulted in avoidable financial harm and reflect a breakdown in internal controls governing account processing. Applicable Law & CFPB Enforcement Precedent This conduct raises serious concerns under the prohibition against Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under 12 U.S.C. 5531. The CFPB has repeatedly taken enforcement action against financial institutions for materially similar conduct : CFPB XXXX XXXX XXXX The CFPB found that charging fees ( or triggering transactions ) despite available funds constituted an unfair practice The Bureau emphasized that consumers can not reasonably anticipate or control such outcomes when systems are misaligned Parallel : In my case, funds were available and transferred, yet the system still triggered additional debits. CFPB XXXXXXXX XXXX XXXX XXXXXXXX The CFPB penalized practices involving multiple charges or debits stemming from a single underlying transaction condition The Bureau found this to be deceptive and abusive, particularly where system logic created repeat impacts Parallel : Multiple debits were triggered from the same shortfall despite resolution. CFPB v. XXXX XXXX The CFPB highlighted that misleading representations about account behavior and processing violate consumer protection laws Transparency and consistency with disclosed processing behavior are required Parallel : Navy Federal represents transfers as real-time, yet system behavior contradicted that representation. Legal Implications Based on these precedents, the conduct described constitutes : Unfair practice : Causing financial harm that a consumer could not reasonably avoid after taking prompt corrective action Deceptive practice : Misrepresenting how real-time transfers interact with overdraft systems Abusive practice : Interfering with the consumers ability to manage their account and avoid negative outcomes Request for Immediate Action I am requesting that : This complaint be reclassified and treated as an independent matter The CFPB conduct a substantive review consistent with prior enforcement actions Navy Federal Credit Union be required to provide : Full transaction logs with precise timestamps Posting order and sequencing logic Internal overdraft processing policies and system rules All duplicative or improperly triggered debits be reversed immediately Written confirmation of corrective measures to prevent recurrence Reservation of Rights If this matter is not addressed appropriately, I will pursue escalation through : The National Credit Union Administration ( NCUA ) State-level regulators and enforcement agencies Potential legal action based on established CFPB enforcement precedent This issue reflects a systemic consumer protection concern and should not be dismissed as duplicative.

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