Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Subject : Navy Federal Credit Union Failed to Remove Fraudulent Credit Card Transactions Caused by Identity Theft I am filing this complaint to report Navy Federal Credit Unions ( NFCU ) failure to properly address and remove unauthorized credit card activity tied to a verified case of identity theft. The credit card account ending in XXXX, and prior closed NFCU credit cards ending in XXXX and XXXX, were fraudulently used without my knowledge or consent. 

The individual responsible for the misuse is XXXX XXXX, who gained unauthorized access to my personal identifying information, including my Social Security number, banking credentials, and business records. She used this access to incur charges on my Navy Federal credit cards and to make payments on these accounts in my name, likely in an effort to conceal the fraudulent activity and delay detection. Additionally, she fraudulently submitted a XXXX personal tax return under my identity and attempted to file under my business as well. 

The identity theft was made possible, in part, due to my personal information being compromised in multiple data breaches, including : Gemini.com ( XX/XX/XXXX ) Compromised email address NationalPublicData.com ( XX/XX/XXXX ) Compromised full Social Security number Over 200 data brokers also sold or exposed my information over the last two years Despite submitting the following documentation to Navy Federal Credit Union : A police report filed with XXXX XXXX Police Department A signed FTC Identity Theft Report A detailed breakdown of fraudulent charges Proof of address and valid ID Affidavit of Identity Theft Navy Federal continued to report these accounts and their associated balances to the credit bureaus as legitimate. This has caused serious and lasting damage to my credit, disrupted my access to essential services, and jeopardized my housing and small business operations.

These actionsor lack thereofconstitute clear violations of the Fair Credit Reporting Act ( FCRA ), including : Section 605B [ 15 U.S.C. 1681c-2 ] : NFCU and/or credit bureaus failed to block fraudulent information within four business days of receiving required documentation.

Section 623 ( a ) ( 6 ) [ 15 U.S.C. 1681s-2 ( a ) ( 6 ) ] : NFCU continued to report inaccurate data that it knew resulted from identity theft.

Section 611 [ 15 U.S.C. 1681i ] : NFCU and the credit bureaus failed to conduct reasonable reinvestigations or provided misleading notices about dispute outcomes. 

All supporting documentation, including the police report, FTC report, proof of identity, and evidence of data breaches, is available upon request. I ask that this matter be escalated and investigated thoroughly, as the prolonged inaction has caused me irreparable harm.

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