Consumer complaint received 2025-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Good afternoon XXXX  XXXX Im a military from the XXXX XXXXThe incident took place XXXX  XX/XX/XXXX at approximately XXXX when an XXXX  account faking the individual 's real account. I couldn't notice because the fake account told me that it was a new account he had to make because his phone got broken and that he was talking to me through a computer, and that he needed money for a family emergency. This individual kept putting pressure and calling me I answered one time and I was sure that sounded like his voice. The reason a started acceding to his requests was because I would do everything for my family too, and at the even though he is a XXXX and I'm a XXXX we are XXXX  and we are supposed to help and support each other. This individual kept asking for money with the excuse of many other services for his family until I reached the quantity of {$1800.00} and that he was supposed to pay me back XXXX. So XXXX  I came to my class as usual and I just sitted on my spot and started looking at him and he would ignore me. So then I came up to said hi and asked for his family and he told me yeah theyre all right and I asked why did he called me XXXX  and Im sure he messed up in there cause he told me I wanted to know what beach you went to because I posted some pictures in my XXXX. After that I asked about the money and he said what money. And he said that it was a fake account talking to me and that I was so stupid for sending that quantity of money. I wouldve believed him but he told me all this in a XXXX tone with a smile on his face all the time like if I was playing. I wasnt even nervous and at the end I just told him I was going to talk with my bank later on. I feel like if he wouldnt be envolved on that he would had been talking to me seriously or confused but he wasnt. After class, I started sending messages to the same person while keeping an eye on XXXX, and the person would keep answering my messages. So I was thinking that maybe I was wrong and maybe he has nothing to do with the account but, why did this account started talking to me? Why did XXXX said that he called me if the only XXXX who called me was his fake account? Why was he acting like that towards me when I asked and explained him about it? After XXXX, XXXX  he kept trying to talk to me but I would just be abrupt to him. Then today XXXX, he kept staring at me so I did the same, and he started doing hi signs in a XXXX. I told my parents about this situation and that I reported the bank account ( transaction were made through XXXX by the Navy Federal bank mobile app ) that I transferred the money to, the bank is doing as much as possible to get my money back, but I dont know if they will, I pray for it because, I tried to do a good action and ended up getting tricked and played. I got screenshots of the conversations with this individual including phone numbers, and XXXX XXXX accounts. I just want my money back because my bank just denied my refund and {$1800.00} is an important quantity of money that I earned working hard just for somebody to try to take advantage of my values taught in the military.

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