Credit card -- Problem with a purchase shown on your statement -- Complaint #10481623
Complaint Overview
Complaint ID: 10481623
Company: Navy Federal Credit Union
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: Tennessee
ZIP Code: 38125
Date Received: 2024-10-16T12:00:00-05:00
Date Sent to Company: 2024-10-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Incident Summary : On XX/XX/XXXX, Navy Federal Credit Union withdrew {$1900.00} from my account without my consent, about a credit card that I reported to them as fraudulent and now appears to be in collections. I have an Identity Theft Policy, as my identity was stolen in XX/XX/XXXX. My credit report has multiple inaccuracies, including three names I did not provide, and a house purchase I never made. These issues have significantly impacted my credit score. I previously filed police reports and contacted Navy Federal numerous times regarding the fraudulent nature of this credit card. Despite informing them of the identity theft and the fraudulent activity on the account, they have not assisted in resolving this issue. In XX/XX/XXXX, Navy Federal sent me a letter offering to settle the debt for {$900.00}, but before I could respond, they debited {$1900.00} from my account, citing the credit cards collections status. This action was taken despite my long-standing claim that the card was obtained fraudulently and should have been handled as part of the identity theft case. I have already provided police reports and other documentation proving my identity theft, and I am requesting immediate assistance to reverse the unauthorized withdrawal and resolve the ongoing issues related to this fraudulent credit card.
Frequently Asked Questions
What is Complaint #10481623 about?
Complaint #10481623 was filed against Navy Federal Credit Union regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2024-10-16T12:00:00-05:00.
How did Navy Federal Credit Union respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Navy Federal Credit Union?
Yes, visit the Navy Federal Credit Union company profile at readthecomplaint.com/company/navy-federal-credit-union to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.