Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Im reaching out to get assistance because Navy Federal Credit Union allowed my credit card to be compromised without my knowledge. I purchased a vehicle from XXXX in XX/XX/XXXX in XXXX Virginia. XXXX allowed me to take the vehicle to my mechanic to check it out. But I had to submit a {$5800.00} check and place a charge hold on my credit card for {$3000.00}. Once I returned with NFCU certified check I would receive a credit back to my credit card and my personal check. During this time, I took the vehicle to my mechanic XXXX at XXXX XXXX to look over the car. XXXX said he didnt honor the XXXX XXXX XXXX ( XXXX ). I reached out to XXXX at XXXX XXXX in XXXX XXXX MD who told me that the XXXX XXXX cover anything and wasnt worth the expense and hassle. 
I decided that after having numerous complications dealing with XXXX with the title and my current handicap tags. I no longer wanted extended warranty promotion for 60 days because of the sales person interactions. A manager XXXX XXXX had to finalize the deal. I never heard of XXXX. Actually, I completed a form stating I didnt want the free 60 days. I only closed the deal with the NFCU check for the cost of the vehicle. I had a difficult time getting my title for my vehicle. The dealer continued to try and give me the 3rd temporary tags XX/XX/XXXX. I refused because I already had handicap tags to put on the vehicle. 
In XX/XX/XXXX, checking the year-end statement on my credit card. I notice unauthorized charges on my credit card. I reached out to NFCU and they started the process of reversing the charges. I wasnt familiar with XXXX. I had no signed contract with this company after calling them, I didnt complete the 60 days trial period because I didnt need the warranty. I went to XXXX to find out they were out of business. XXXX transferred me to another number and it was a supervisor at a dealership in VA, that said XXXX is no longer in business. I told NFCU that my credit card had been changed so how did this company get my card number? NFCU didnt respond to BBB complaint and they closed the complaint. I also, went to the NFCU branch in VA, numerous times to upload documents to my account for their investigation in a timely manner. Ive called NFCU every week to get inconsistent information, clearly I was getting the run-around. NFCU credit the account {$530.00} but it should be ( {$76.00} monthly @ 12 months total {$920.00} ). I was told the balance of {$380.00} will be credited to my account after the investigate. NFCU never contacted me and I checked my email address on file because I wanted documentation. 
Unfortunately, after transferring {$530.00} to my account, they tried to charge me interest on my money. I shouldnt have to take a loan on my own money, they still owe me money. XXXX told me he would credit the money back into my account and the money never appeared back into my account. Until today, my account is showing a credit on my credit card but they need to fully refund me because I never had a chance to escalate my dispute if I agree with the decision. I was given inaccurate information and no correspondence of the first fraud on my account. I have nothing in writing and I took screen shots of the account because NFCU was changing its portal. My money disappeared and the guy at the branch in VA is privy to what happened, he tried to help me. Please help me they stole my money.

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