Consumer complaint received 2025-11-02 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year> Navy Federal Credit Union XXXX : XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : Formal Dispute of Unauthorized Transactions Account Number : XXXX To Whom It XXXX Concern : I am writing to formally dispute unauthorized transactions on my XXXX Federal account. I previously submitted a fraud claim and provided all requested supporting documentation ; however, my claim was improperly denied. 

I am reaffirming that I did not authorize these transactions and did not benefit from them. 

XXXX Rights & Laws Violated Under the Electronic Funds Transfer Act ( XXXX ) and Regulation XXXX, you are required to : Conduct a prompt and reasonable investigation Provide a written explanation of findings Provisional credit funds if the investigation can not be completed within required time limits Applicable Laws XXXX XXXX. XXXX ( a ) & ( b ) requires a good-faith investigation of unauthorized transfers XXXX XXXX. XXXX ( c ) requires provisional credit if investigation exceeds XXXX business days 12 CFR 1005.11 ( b ) ( d ) outlines error-resolution time frames & investigation standards 12 CFR 1005.6 ( b ) limits consumer liability for unauthorized transactions I fulfilled my duty by reporting the fraud and submitting supporting evidence. XXXX XXXX denial without properly applying the above protections and standards is a violation of federal law. 

Requested XXXX I am requesting : XXXX. XXXX reopening of my fraud investigation XXXX. Copies of all documentation used in your denial decision XXXX. Written explanation compliant with 12 CFR 1005.11 ( a ) ( 2 ) 4. Restitution/credit of all disputed funds, plus any related fees XXXX. Confirmation that no negative reporting is made to any credit bureau regarding this claim Prior Supporting Documents Submitted Prior fraud claim submission and reference number : XXXX : XXXX Evidence previously provided screenshots of text thread of persons admitting to using my card without permission statements, - Hospital pics and notices to prove I was hospitalized when transactions were being made in store - Police Report Required Action I request XXXX XXXX : XXXX XXXX Reopen and re-investigate the claim immediately XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. Restore the stolen funds and all fees XXXX. Provide written findings and the evidence used in denial XXXX. Confirm no negative reporting has been or will be issued Final Notice Failure to correct this matter will result in filing complaints with : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX Attorney General Federal Trade Commission ( FTC ) Please respond in writing within XXXX business days of receipt of this letter. 

Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXX XXXX XXXX of Account : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief