Consumer complaint received 2026-04-27 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: MD

Complaint narrative:
XX/XX/XXXX there were XXXX charges to my credit card XXXX XXXXXXXX XXXX - XXXX and XXXX XXXX XXXX XXXX contacted my credit card company XX/XX/year> at XXXX flagged them as fraudulent and asked for a new card. THis was done. Now on XX/XX/XXXX I was told that i did articipate according to their investigation and I was liable for the purchase. On XX/XX/year> I finally got the bank to tell me what the companies are. XXXX was an insurance company XXXX insurance. and the other was XXXX XXXX XXXX in Texas. I am not from texas, I live in Maryland and was in Maryland at the time of these charges. I have not heard of this insurance company. Please help I did not make these purchases but the credit card company says i did. here are all of the documents. The bank emailed me back saying they did not know what I was talking about and to reopen the dispute. I had to call the bank ; at that time, they sent me XXXX questions i had to answer to do the appeal Previously I was only told to " send an email '' thats how we start the process. So their informaiton is ever changing. I was told the charges will be put back on my card and that if I am successful in the appeal they will be removed. in the meantime I will be charged interest for the amounts. HEre are the XXXX questions and the answer i XXXX. Why do you believe your claim should be honored? XXXX I did not complete these charges when they hit my card as pending on XX/XX/XXXX at around XXXX I was sitting at my desk in XXXX Maryland XXXX I was not using my card and had not used it that day. XXXX I do not know what these companies are and have never heard of them XXXX I was told that they were XXXX. An insurance companyThis is not my insurance company as I have XXXX XXXX XXXX XXXX XXXX. A state park in TexasI have not left the state of Maryland in months, and I have not been to Texas in over XXXX years and XXXX online it says they are a automotive parts placeI take my car to the dealership ( XXXX XXXX for everything and pay with a check since they have a credit card fee. XXXX. Was the card in your possession when the fraud occurred, or was it lost or stolen? XXXX. The card was in my possession and has not left my possession. XXXX. If the card has remained in your possession, how do you believe your card information was obtained? XXXX The card could have been obtained from an XXXX data breach or any other data breach as there was XXXX recently through the hospital we go to XXXX XXXX in XXXX XXXX, MD XXXX. If lost or stolen, what date did the card fall out of your possession? XXXX NA XXXX. If you have ever allowed anyone to use your card, how do you know this person ( XXXX )? XXXX I have never allowed anyone else to use my card or take my card. XXXX. If you received any merchandise from the merchant, is this merchandise still in your possession? XXXX I have not received any merchandise from this vendor. I do not know these vendors. As stated, I have not been in Texas, I do not use any place other than XXXX and this is not my healthcare. I do not know anyplace named XXXX or XXXX. XXXX. Did you authorize or participate in the charge ( XXXX ), but there was an error? We take the security of your accounts very seriously. XXXX No I did not make these charges. I do not know these companies. I NEVER MADE THE TRANSACTION. AGAIN I DID NOT AUTHORIZE or approve these I DID NOT DO THIS.

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