Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Dear XXXX XXXX XXXX XXXX, My name is XXXX XXXX XXXX, and I am writing to formally request assistance regarding a some fraudulent charge on my credit card account ending in XXXX and XXXX. 

I understand this charge is older, but I was unaware I had been scammed until recently. I reported it as soon as I realized the fraud and filed a police report. I respectfully ask for a review and any consideration possible due to the financial hardship this has caused. 

On Dates on the dispute letter of transactions I was a victim of fraud using my debit card linked to my XXXX XXXX  I was the victim of a scam in which I was deceived into authorizing a payment to [ XXXX XXXX or XXXX XXXX XXXX  ]. The individual ( XXXX ) misrepresented themselves and tricked me into believing I was making a legitimate transaction. I did not receive any goods or services in return, and I now understand this was part of a fraudulent scheme. 

Although the payment was technically authorized, it was made under false pretenses, and I respectfully request the following : XXXX. A full investigation and chargeback of the disputed amount XXXX. A waiver or deferral of any upcoming credit card payment related to this transaction XXXX. Consideration for financial hardship relief due to the scam, as I am currently in debt and unable to recover the lost funds on my own Attached to this email are : A copy of the police report number is XXXX and report fraud number XXXX Hello this is XXXX XXXX case number XXXX In XX/XX/year>, my Instagram account got hacked, and I couldnt get back in because the hacker changed the password. My friend sent me screenshots of what was happening from her side since I couldn't access it. I also started getting fake check emails, and Im pretty sure all my personal info, including my banking details, was compromised. I have more proof from people who reached out to let me know my XXXX was hacked. 
In XX/XX/year>, I noticed some weird activity and tried to file a claim through the XXXX XXXX app. They told me there was no claim to make, which seemed strange, but I just went with it and tried to move on since I was busy settling into my new place after moving from XXXX XXXX. 
Then, on XX/XX/year>, I checked my account and saw it was in overdraft with some transactions I didnt make. There was an {$18000.00} reversed payment on my XXXX XXXX through XXXX XXXX, plus another reversed payment for {$10000.00} on my Cash Rewards card. I called XXXX XXXX, and the rep told me the payment was reversed from a XXXX  XXXX XXXX account, which I dont even have. There were also other payments made from my XXXX XXXX account that I didnt authorize. So, Im convinced whoever did this still has access to my accounts. 
I also got an email saying I was rejected for a loan I never applied for. 

Below are screenshots of emails of evidence Beneath is a dispute letter

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