Consumer complaint received 2024-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This is an amendment to a previous complaint filed. On XX/XX/XXXXXXXX  We received a letter from Navy Federal Credit Union ( NFCU ) that they adjusted the fraudulent complaint by {$40.00} & {$22.00} to reflect the original charges of {$2800.00}, {$5000.00} Even though no transfer of payment should have been made in the first place since we disputed and requested payment be stopped almost immediately upon being made. In addition to this event NFCU sent another letter about payment to XXXX for merchandise that neither us or any other party received. We didnt receive any recharge notice of any sort from XXXX requesting funds, this merchant seemed to have never rendered any remuneration to us or any parties as they would have informed us about the events in question which NFCU unsolicitedly made payment for, and neither them nor XXXX XXXX provide us verification of XXXX requesting payment for services. We therefore request that NFCU credit our account for unsolicited payment XXXX never rendered. Thanks for your help in this matter. 

Previous report complaint follows : The following event involves my wife making payments from a credit card in our name ending in XXXX with Navy Federal Credit Union ( NFCU ). My wife made purchase authorization on XX/XX/XXXX, for {$2800.00} and XXXX XXXX, XXXX for {$5000.00} ( see picture ). These amounts were posted on XXXX XXXX and XXXX XXXX, XXXX respectively to our account. These transactions were disputed by us to NFCU on XXXX XXXX for all transactions posted by XXXX  and ask NFCU XXXX to block all transactions to this merchant organizations, since we realized that we weren't going to receive the crypto currency we purchased. By doing so, we thought we'd given enough time to NFCU to stop the transactions altogether. 

On XX/XX/XXXX, our account was credited back to us by NFCU for all transactions from XXXX, and we received a letter stating that fact ( see picture ). On XX/XX/XXXX, my wife received an email from XXXX about the dispute in question stating that they may recharge our NFCU XXXX account. After my wife told me about this, I asked her to call NFCU and cancel the XXXX  XXXX  altogether. This occurred on XX/XX/XXXX. On XXXX XXXX my wife spoke with NFCU XXXX representative and told her about the email that stated a recharge by merchant may occur, and she advised us to cancel the card, and get a new one, which we did. We asked her again and again if this was the solution to prevent XXXX  from recharging our XXXX  account, to which she responded in the affirmative ( a recording of this call was made by NFCU ). Two days later, on XX/XX/XXXX, after the XXXX account was canceled and closed, we saw posted fraudulently to our account new charges of {$2800.00} and {$5000.00} never authorized ( see picture ). We gave NFCU sufficient time to block payments for the initial transactions of {$2800.00}, and {$5000.00} which they did on XX/XX/XXXX, but instead allowed it to be fraudulently recharged for {$2800.00} and {$5000.00}. NFCU should have never allowed these transactions after we told them about the purchase unsatisfactory result, for which we canceled the card. 
So, why am I writing to you? Well, NFCU XXXX allowed fraudulent charges to be put through that should have been stopped with enough warning and request that these charges be reversed. Thank you for your assistance. 

Yours truly, XXXX and XXXX XXXX

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