Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XXXX XXXX XXXX, I reached out to Navy Federal Credit Union regarding a issue and possible assumption of wire fraud that occurred in the process of my international wire transfer to a XXXX XXXX XXXX XXXX XXXX after my wife alerted me to the test amount of money which was sent coming up short {$15.00} in the amount of {$85.00} instead of {$100.00} that was sent. I paid Navy Federal Credit Union ( NFCU ) {$120.00} which covered the {$100.00} which was being sent to XXXX along with their processing fees. XXXX XXXX in XXXX asserts that there is no taxes, fees, or additional costs for receipt of funds being sent to them internationally. Therefore there is {$15.00} which is unaccounted for at both institutions. I received paperwork from my wife 's bank which shows that there was an amount received of {$85.00}, and there were no levies imposed by XXXX or XXXX XXXX for such money transfers. I did notice however that the OPF ( Confirmation Number ) and the IMAD ( Wire Transfer Number ) are not consistent with what NFCU provided. The bank in question mentioned in one of XXXX XXXX documents received was XXXX who largely refused to help but suggested that I contact the U.S. Federal Reserve and file a formal report on the matter. The Reserve suggested that I first escalate the issue with CFPB for effect and levy against NFCU for the problem. NFCU and its representatives were largely unhelpful and a supervisor who I talked to rolled the issue off more than once on 3 separate occasions even when it was mentioned that possible fraud or scamming might have occurred in between the transfer from bank to bank and that further inquiry should be made. I understood clearly from NFCU that the monies would be directly transferred to XXXX from them, and I understood their wiring instructions on how money losses can occur in the process of transference between institutions. Third parties in question are largely unaccounted for at all levels. Since there were no levies or tolls imposed by XXXX or its banks and the U.S. government was paid for the transaction, the fault might be with the U.S. government itself or nefarious parties or institutions undefined in between for losses in the test transaction. I would like more clarity on this entire issue. The NFCU provided IMAD number is : XXXX and their OPF number provided was XXXX. The document that I received from XXXXXXXX XXXX regarding the transaction had a alternate IMAD and OPF of : XXXX XXXX and XXXX. Upon inquiry from all entities they claim that there is no records of where or how the money was moved or any information on intermediaries. What NFCU did maintain was that there would be other additional fees imposed by the receiving bank and country to which there were not. I am trying to gauge with significant detail as to whom these fees came from, where, and to what effect because although it was a test amount, had it been more monies sent in excess of {$1000.00} to {$15000.00} it is assumed that either more money would have been taken and unaccounted for and it would assert from a forensics perspective that all agencies and institutions handling the monies are compromised. I would like a formal report and recommendation on the matter and also would like to file further reports to build up to a solution which may include injunctive relief from entities involved as the error has been found to have occurred on U.S. soil with U.S. certified and or insured FDIC entities.

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