Consumer complaint received 2024-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Date : XX/XX/year> Complainant : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Contact No. XXXX Primary Account Holder : XXXX XXXX XXXX Account Institution : Navy Federal Credit Union Complaint Summary I am filing this complaint to formally report a fraudulent incident involving a joint account held with Navy Federal Credit Union, where XXXX XXXX XXXX is the primary account holder. At the time of the incident, XXXX was on active military duty and was unaware of the transactions. The fraudulent activity has caused undue financial and reputational harm to XXXX and me, XXXX XXXX XXXX, as the joint account holder. 

This report serves to : Notify the Federal Consumer Protection Bureau ( FCPB ) of the fraudulent activity. 
Request an investigation to absolve XXXX of liability. 
Pursue remedies for the emotional, financial, and relational impact caused by this incident. 
Incident Details Initial Deposit : A scammer deposited {$1500.00} into our joint Navy Federal Credit Union account via XXXX XXXX. 
Misleading Instructions : The scammer instructed me to transfer the funds to a XXXX XXXX account under specific tags. Unaware of the fraudulent intent, I complied. 
Cessation of Communication : After the transfer, the scammer ceased communication, ignoring further messages and calls.

Account Impact : Navy Federal later identified the funds as stolen, resulting in the account being placed into collections under XXXX 's name, affecting his military promotion, credit report, and confidential records. 
Communication with Navy Federal After learning the funds were stolen, I contacted Navy Federal. I was advised to file a police report or an FTC complaint and submit this information to dispute the transaction. On XX/XX/year>, XXXX confirmed the account had been placed into collections [ see Exhibit A ]. 

Impact of the Incident Banking Restrictions : I am now prohibited from opening accounts with Navy Federal.

Personal Relationships : This situation has caused strain and mistrust between XXXX and me. 
Emotional Distress : The incident has caused significant emotional stress and a loss of trust in online financial platforms. 
Evidence Provided Screenshots of the scammers XXXX calls [ Exhibit XXXX ]. 
Phone number and XXXX XXXX tags used by the scammer. 
Copies of text message conversations. 
Requests for Investigation I respectfully request the FCPB and associated authorities : Investigate and hold the scammers accountable. 
Exonerate XXXX XXXX XXXX from liability for the {$1500.00} in collections. 
Conduct a forensic audit to validate the debt and verify related transactions, including possible insurance claims, SEC or UCC filings, and 1099 filings.

Provide guidance on resolving this issue and mitigating further consequences.

Legal References 15 U.S.C. 45 ( a ) : Prohibits deceptive acts in commerce. 
Federal Credit Union Act ( 12 U.S.C. Chapter 14 ) : Obligations of federal credit unions.

Michigan Constitution, Article I, Section 17 : Guarantees due process.

Servicemembers Civil Relief Act ( 50 U.S.C. 3901 et seq. ) : Financial protections for military members.

Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) : Protection in cases of fraudulent electronic transfers.

Uniform Commercial Code ( UCC ) Article 4A : Governs unauthorized funds transfers. 
Intention to Press Charges Both XXXX XXXX XXXX and I intend to press charges against the perpetrators and seek prosecution to the fullest extent of the law. 

Conclusion This incident has caused severe financial and personal distress. I urge the FCPB to assist in resolving this matter equitably and swiftly, ensuring Christophers creditworthiness and reputation remain intact and that justice is served for this fraud. 

Respectfully Submitted, XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Done in good faith. All Rights Reserved. UCC 1-308

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