Consumer complaint received 2025-04-22 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: MI

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX To : Navy Federal Credit Union Dispute Resolutions Department RE : Dispute of Unauthorized and Fraudulent Transaction XXXX  Purchase of XXXX XXXX XXXX Account Holder : XXXX XXXX, Trustee Transaction Date : XX/XX/XXXX Vehicle Delivery Date : XX/XX/XXXX Merchant : XXXX Vehicle : XXXX XXXX XXXX ( XXXX XXXX ) Transaction Amount : {$1800.00} + {$290.00} = {$2000.00} XX/XX/XXXX Account Number : XXXX Dear Navy Federal Credit Union, I am submitting this formal dispute under federal and state consumer protection laws regarding a fraudulent and unauthorized transaction initiated by XXXX on XX/XX/XXXX, related to the attempted purchase of a XXXX XXXX XXXX. 

SUMMARY OF FACTS : On XX/XX/XXXX, XXXX prematurely debited funds from my account before delivery or finalization of the sale. I did not authorize this premature charge. 
Delivery of the vehicle did not occur until XX/XX/XXXX, leaving XXXX in possession of my funds for 11 days without delivering the product, violating Michigan law and consumer protection norms. 
I made multiple attempts to cancel the purchase both before and after the XX/XX/XXXX charge. XXXX ignored or denied all cancellation requests. 
Upon eventual delivery, the vehicle exhibited significant mechanical issues inconsistent with the advertised condition, and I again attempted to return the vehicle within XXXX stated return policy window. 
XXXX then refused to arrange for return or honor its satisfaction guarantee, instead finalizing the transaction without my willing consent, effectively forcing me into the purchase. 



VIOLATIONS ASSERTED : 1. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. 
Unauthorized charge before delivery violates required clear and conspicuous disclosure and consent provisions. 
Failure to honor return and cancellation rights after delivery violates consumer credit protections. 
XXXX. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 If XXXX or Navy Federal has reported this transaction as valid while under dispute, it constitutes inaccurate credit reporting, a direct violation of the FCRA. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f If any debt collection activity occurred based on this charge while I was actively disputing it, that activity constitutes misrepresentation of a disputed debt and unfair collection practices. 
4. Michigan Consumer Protection Act ( MCPA ), MCL 445.901 et seq. 
XXXX engaged in unfair trade practices, including : Charging for goods not yet delivered ( MCL 445.903 ( 1 ) ( s ) ) Misrepresentation of goods and services ( MCL 445.903 ( 1 ) ( c ) ) Failing to honor refund/return promises ( MCL 445.903 ( 1 ) ( y ) ) Engaging in unconscionable business acts ( MCL 445.903 ( 1 ) ( z ) ) 5. Unjust Enrichment Holding my funds for 11 days without rendering delivery or refund constitutes unjust enrichment and violates basic principles of contract fairness.

This letter is submitted under full reservation of rights and in support of any administrative or judicial remedies I may seek. I request a written response within 15 calendar days in accordance with federal dispute resolution timelines. 

Sincerely, XXXX XXXX, XXXX

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