Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a dormant account reactivation notice from XXXX regarding NFCU, based out of XXXX, VA allowed an unknown transaction to go through to a dormant account to prevent the account from becoming subject to state control. The transaction that was reported to the credit bureaus was for {$37.00}. 

On XX/XX/XXXX, I emailed XXXX, XXXX regarding discrimination and harassment, SEC and other regulators. 

" NFCU : The violation of several important laws, including the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Fair Credit Billing Act ( FCBA ), and the Consumer Protection Credit Act ( CPCA ), is a serious matter. These laws were established by Congress to ensure the accuracy, fairness, and privacy of consumer information reported to and disseminated by consumer reporting agencies. Specifically, under Section 623 of the act, it is prohibited to provide inaccurate information to credit bureaus. The provision states : " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' This provision is meant to prevent the inclusion of detrimental information in a consumer 's credit report. However, allegations of misconduct, employing XXXX-like tactics, and attempting to conceal such actions, have surfaced - HIPAA violations etc - Cease and desist. A fraudulent charge was allowed to post to the account, causing significant distress and inconvenience. Reopening an account without the account holder 's consent is a violation and demonstrates a failure to uphold the necessary protocols and also calls into question the effectiveness of your fraud detection and prevention measures. 

{$170.00} billion dollar, Navy Federal Credit Union, you allowed a dormant account to be re-opened without authorization and allowed a fraudulent charge to post to the account. The reopening of an account without consent raises serious concerns about the security and integrity of your systems and procedures. The fact that a fraudulent charge was allowed to post to overdraw a dormant account is deeply troubling. It suggests a lapse in NFCU security protocols and calls into question the effectiveness of your fraud detection and prevention measures. Provide me with a written confirmation once the fraudulent charge has been reversed and appropriate disciplinary actions will be taken against all participants responsible for the unauthorized reopening of my account. I would like to emphasize that I expect all communication regarding this matter to be conducted in a professional and respectful manner with focus related to the unauthorized account reopening and the fraudulent charge. '' NFCU did not provide a response to the email. An unauthorized transaction refers to a transaction that me, the US Military Veteran, did not themself authorize nor initiate. NFCU allowed an unauthorized transaction to post to a dormant account - dormant meaning it was not used in years. 

If the {$37.00} is an unauthorized electronic fund transfer. I also received an email from a company called XXXX based out of the XXXX and I filed an FTC report - I do not use wire transfer services. NFCU allowed a fraudster to access and reactivate the dormant account. This would be a violation of the EFTA. NFCU did not notify me of a {$37.00} charge which is another violation. After I received two dark web fraud alerts and a dorman account reactivation alert, from the credit bureaus ; I notified NFCU. NFCU did not take sufficient precautions to prevent unauthorized access to a dormant account. 

On XX/XX/XXXX, I received another alert that NFCU reported {$68.00} and 30 days past due to the credit bureaus. 

Regarding third party, influence. Financial abuse, is a sadistic pattern of controlling behaviour, where an extremely toxic, dangerous individual, repeatedly tries to dictate your choices and controls your actions, and gets violent or threatening when you dont do as they demand e.g. hiring a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Financial abuse, ties into economic abuse, which is when that same obssessed individual, tries to limit or control your choices and options by interfering with your money and resources to restrict or stop you from having, using and maintaining your money and economic resources such as : accommodation ( preventing a target from selling their home ) or hiring people to participate in an operation freakout, fair game, criminal harrassment campaign, food ( third party triangulation using a XXXX XXXX company 's food delivery services to harrass or tamper with food deliveries ) and transport ( e.g. hiring people to vandalize property, take away transportation supporting false imprisonment ) or reject an AIG identity theft claim. Additional unethical, illegal, abuses : blacklists, defamation, trying to access bank account information, financial frameups, make you justify everything, try to get your assets in their name, try to steal your money, property. Build up debt in your name without you knowing are other abusive tactics.

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