Checking or savings account -- Managing an account -- Complaint #7730084
Complaint Overview
Complaint ID: 7730084
Company: Navy Federal Credit Union
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Georgia
ZIP Code: 30016
Date Received: 2023-10-19T12:00:00-05:00
Date Sent to Company: 2023-10-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Monday XX/XX/16 I went online regarding a personal loan. Tuesday a gentleman called me from a company called XXXX XXXX. We offered me a {$2100.00} loan at at a favorable rate. I gave him my routing and account number. XXXX later, {$2100.00} posted to my account. I called to let him know that the funds posted. He then stated his supervisor disagreed with the rate he had given me and he would have to raise the rate which was doubled. I was extremely upset and told him that I'm returning the funds asap. He gave me XXXX XXXX info to send the funds. The transactions wouldn't go through. He said I can mail a check. I responded I'm a XXXX XXXX, XXXX from home and will not be home for another XXXX weeks and by then, a payment will be due and then I'm committed. He stated the only other way I could get the funds back to them immediately is go to XXXX and get gift cards and send them the info from the cards. It sounded strange to me but I didn't care. Not thinking it's any kind of scam because I have their money. Come to find out the next morning by Navy Federal, they somehow accessed my account and debit card number. Filed a bunch of disputes on previous transactions to total {$2100.00}. It's destroyed now but I had my debit card in my possession. Didn't give ANYONE my login credentials or debit card info. Now Navy Federal is holding me responsible. I've been out of work due to illness for the past month and extremely short on funds. That's why I was looking for a small loan to pay some bills until I get back on my feet. I've gotten fraud alerts and my card temporarily shut down trying to by XXXX out of XXXX because their system felt something isn't right. But submitting a bunch of disputes in a XXXX min time frame didn't raise a eyebrow. Ive been fighting identity theft issues for the past few months. It consisted of someone applying for credit products in my name. After the Navy Federal representative told me they had all my info, I thought my phone might be compromised and I did a master reset on the phone which deleted the forms I was sent via links in texts. I have no idea what to do.
Frequently Asked Questions
What is Complaint #7730084 about?
Complaint #7730084 was filed against Navy Federal Credit Union regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2023-10-19T12:00:00-05:00.
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.