Checking or savings account -- Problem caused by your funds being low -- Complaint #6663113
Complaint Overview
Complaint ID: 6663113
Company: Navy Federal Credit Union
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Overdrafts and overdraft fees
State: Louisiana
ZIP Code: 704XX
Date Received: 2023-03-07T12:00:00-05:00
Date Sent to Company: 2023-03-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have never contacted my bank before in which is Navy Federal a credit Union. Ive never contacted them about funds being stolen from my account. In which it has happened before but the XXXX app the person tried to use was able to block the charges. No help to my bank. I live in a small area and I dont travel. I work 7 days a week and I can travel out of town. My cards was stolen on top of my cell phone on which had apps the had my contact information and some card information stored on the phone. I notice XXXX $ was taken out of my card in numerous ways via stores and XXXX purchases. In which I dont se XXXX to make up {$900.00} worth of purchases. Im a routine person. Navy federal told me they are taking my provisional credit back because its normal activity for me and that is just not true. This bank does not do a thorough investigation and will loose a lot of consumers if we cant even trust them to secure our funds! Im a single mother I just got my taxes and spent it all to pull myself out of the hole I was in and I placed {$1200.00} to the side to go on top of my work checks so me and my kids will never be in a bind again! But now someone stealing my information and cards me contacting navy federal to let them no whats going on only for them to do absolutely nothing is the most disheartening thing ever what about protecting your consumers. At this point I wan to find another bank that can promise to secure my account. The charges should have looked suspicious to the bank and they should have blocked those charges mid transaction because its out of the ordinary for me.
Frequently Asked Questions
What is Complaint #6663113 about?
Complaint #6663113 was filed against Navy Federal Credit Union regarding Checking or savings account specifically about Problem caused by your funds being low. It was received by the CFPB on 2023-03-07T12:00:00-05:00.
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 (Checking or savings account) 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.