{"took":155,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11657141","_score":30.344463,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom It May Concern, The lawsuit below was brought to my attention and I would like to be compensated In XX/XX/XXXX, Navy Federal Credit Union agreed to pay {$80.00} XXXX in refunds to its members and {$15.00} XXXX in penalties to the Consumer Financial Protection Bureau ( CFPB ). The settlement resolved allegations that Navy Federal charged illegal overdraft fees from XXXX to XXXX I am writing to file a formal complaint against Navy Federal due to wrongful charges applied to my account, which have caused significant financial harm and stress. These actions are a violation of consumer protection laws, and I am requesting a settlement of {$5000.00} to compensate for these damages. \n\nI believe Navy Federal has violated consumer protection regulations by charging fees that were either unauthorized, improper, or not adequately disclosed. These actions are in direct conflict with the principles upheld by the CFPB and potentially violate federal financial regulations. \n\nThey shut down my old account about a year ago and now I have a new account that doesnt reflect or show any of my old charges. They have been doing fraudulent activity to my account since my car loan of XXXX that they claim I still owe for and refuses to give my title even tho the car is paid for. This is the second lawsuit that I have encountered with Navy Federal. I recieved a {$5.00} check in the mail dated XX/XX/XXXXXXXX  for XXXX XXXX  Navy Federal Credit Union which is unacceptable and disrespectful. \n\n\nImpact The wrongful charges have resulted in the following : Financial loss due to improper deductions. \nEmotional distress caused by the unexpected and unjust charges. \nTime and resources spent attempting to resolve this issue. \n\n\nConclusion I trust that the CFPB will take appropriate action to investigate this matter and ensure that Navy Federal complies with federal regulations. I request a prompt response to my complaint and the resolution of this issue to my satisfaction. \n\nThank you for your attention to this matter. Please feel free to contact me if additional information is required. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-17T21:44:19.000Z","issue":"Problem caused by your funds being low","sub_product":"Other banking product or service","zip_code":"XXXXX","tags":"Servicemember","has_narrative":true,"complaint_id":"11657141","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-01-17T21:09:20.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["To Whom It May Concern, The <em>lawsuit</em> below was brought to my attention and I would like to be compensated In XX/XX/XXXX, <em>Navy</em> <em>Federal</em> <em>Credit</em> <em>Union</em> agreed to pay {$80.00} XXXX in refunds to its members and {$15.00} XXXX in penalties to the Consumer Financial Protection Bureau ( CFPB )."],"company":["<em>NAVY</em> <em>FEDERAL</em> <em>CREDIT</em> <em>UNION</em>"]},"sort":[30.344463,"11657141"]},{"_index":"complaint-public-v1","_id":"9266576","_score":30.114798,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am writing to file a formal complaint against Navy Federal Credit Union for their negligence and refusal to reimburse me for fraudulent charges made on my account. \n\nOn XX/XX/2023, I discovered that my debit card had been stolen and used to withdraw {$5000.00} from my account without my authorization. I immediately contacted the police and filed a report. I also contacted Navy Federal Credit Union to report the fraudulent activity and requested a refund of the stolen funds. \n\nDespite providing evidence of the theft, including the police report and the conviction of the individual responsible, Navy Federal Credit Union has refused to reimburse me for the stolen funds. I have been fighting this issue for a few months, and as a result, I have lost my house, my car, and custody of my children. I've been suffering from XXXX XXXXXXXX and still have not been able to recover. Navy Federal Credit Union have ruined my life my kids meant the world to me and now they are gone and thus situation has made me homeless and I no longer volunteer at the XXXX XXXX  which I loved Furthermore, Navy Federal Credit Union is also refusing to provide me with copies of the dispute documents, which I need to gather evidence for the lawsuit I am planning to pursue against them. This lack of cooperation is hindering my ability to seek justice and recover the funds that were wrongfully taken from me. \n\nI have been struggling to find an attorney willing to take on my case due to the complexity and the lack of cooperation from Navy Federal Credit Union. Their actions have destroyed my life, and I am feeling hopeless and desperate for a resolution. \n\nI am seeking your urgent intervention in this matter to ensure that Navy Federal Credit Union is held accountable for their actions and that I receive the reimbursement that I am rightfully owed. I implore you to investigate this issue thoroughly and take appropriate action to address the bank 's negligence in protecting my account and their refusal to provide crucial documents for my case. \n\nThank you for your attention to this urgent matter. I greatly appreciate any assistance you can provide in helping me seek justice against Navy Federal Credit Union.","date_sent_to_company":"2024-06-14T07:50:45.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"32548","tags":"Servicemember","has_narrative":true,"complaint_id":"9266576","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2024-06-14T07:15:08.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["I greatly appreciate any assistance you can provide in helping me seek justice <em>against</em> <em>Navy</em> <em>Federal</em> <em>Credit</em> <em>Union</em>."],"company":["<em>NAVY</em> <em>FEDERAL</em> <em>CREDIT</em> <em>UNION</em>"]},"sort":[30.114798,"9266576"]},{"_index":"complaint-public-v1","_id":"12835054","_score":27.739143,"_source":{"product":"Checking or savings account","complaint_what_happened":"To : Consumer Financial Protection Bureau ( CFPB ) Navy Federal Credit Union Re : Case # XXXX Date : XX/XX/year> From : XXXX XXXX Formal Rebuttal to Navy Federal Credit Unions Response Wire Transfer of {$730000.00} I am writing to formally dispute Navy Federal Credit Unions response submitted to the CFPB on XX/XX/year>, regarding the {$730000.00} wire transfer received into my business account ending in XXXX on XX/XX/year>. \n\nNavy Federals response is unacceptable. It lacks transparency, provides no documented justification for its actions, and fails to address the seriousness of what amounts to the improper restriction of my account and wrongful return of funds. I demand a full and lawful explanationnot vague language about risk. \n\n\n\nXXXX. Funds Were Deposited and Used Before Action Was Taken The wire transfer was received and fully accessible on XX/XX/year>. I began using those funds immediately for legitimate business purposes. Navy Federal did not restrict the account until XX/XX/XXXX, XXXX days later. This timeline makes it clear that no immediate concern existed and suggests poor oversight, reactionary behavior, or miscommunication with the originating bank. \n\n\n\nXXXX. Hold Harmless Letter ( HHL ) Is Not Legal Justification Navy Federal states that an XXXX  from XXXX was received on XX/XX/XXXXXXXX XXXX XXXXafter the funds were already accessed. An XXXX is not a legal instrument ; it does not confirm fraud or error. It merely attempts to shift liability from the requesting bank. Navy Federals acceptance of this letter without legal compulsion or independent verification is highly concerning and inappropriate. \n\n\n\nXXXX. Violations of Federal Regulations and Consumer Protection Laws Navy Federals conduct violates several federal banking and consumer protection laws, including : 12 CFR 1005 Regulation E ( Electronic Fund Transfers Act ) Dodd-Frank Act, 12 U.S.C. 5531 Prohibition of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Breach of contractual and fiduciary duty by restricting access without notice, without evidence, and without due process. \n\nI was never given the opportunity to dispute or appeal the restriction and return of funds, and no formal findings or documentation were ever shared. \n\n\n\nXXXX. Intent to Pursue Legal Action I am in the process of retaining legal counsel and will be initiating a lawsuit against Navy Federal Credit Union for : Wrongful deprivation of funds, Breach of fiduciary duty, Violations of federal consumer protection laws, Damages from business interruption, reputational harm, and emotional distress, And any other applicable legal claims. \n\nThis situation was mishandled at multiple levels, and I intend to pursue full accountability in court if it is not resolved immediately. \n\n\n\nXXXX. Final Demand : Full Disclosure and Direct Legal Contact Let me be clear : I do not want to be redirected to your legal department or customer service supervisors. \nI am demanding the name, title, and direct contact information ( email and phone ) of the attorney handling this matter on behalf of Navy Federal Credit Union. Stonewalling this request or continuing to provide generic responses will only escalate this matter further and expose Navy Federal to additional liability. \n\nAdditionally, I am requesting the following immediately : A full written explanation of the banks actions, A copy of the Hold Harmless Letter received from XXXX, All internal communications related to the restriction and return of funds, Copies of all internal risk policies used to justify the actions taken against my account, Names and departments of Navy Federal personnel involved. \n\n\n\nConclusion I am giving Navy Federal one final opportunity to resolve this issue professionally and with transparency. If that does not happen, I will proceed with litigation and seek maximum damages for your institutions mishandling of this matter. This is no longer a customer service issueit is now a legal one. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-05T09:22:29.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"44105","tags":null,"has_narrative":true,"complaint_id":"12835054","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NAVY FEDERAL CREDIT UNION","date_received":"2025-04-05T09:11:00.000Z","state":"OH","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":["Intent to Pursue Legal Action I am in the process of retaining legal counsel and will be initiating a <em>lawsuit</em> <em>against</em> <em>Navy</em> <em>Federal</em> <em>Credit</em> <em>Union</em> for : <em>Wrongful</em> deprivation of funds, Breach of fiduciary duty, Violations of <em>federal</em> consumer protection laws, Damages from business interruption, reputational harm, and emotional distress, And any other applicable legal claims."],"company":["<em>NAVY</em> <em>FEDERAL</em> <em>CREDIT</em> <em>UNION</em>"]},"sort":[27.739143,"12835054"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3}]}},"product":{"doc_count":3,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":2},{"key":"Other banking product or service","doc_count":1}]}}]}},"issue":{"doc_count":3,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company closed your account","doc_count":1}]}},{"key":"Managing an account","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem using a debit or ATM card","doc_count":1}]}},{"key":"Problem caused by your funds being low","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Overdrafts and overdraft fees","doc_count":1}]}}]}},"timely":{"doc_count":3,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":3}]}},"company_response":{"doc_count":3,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":2},{"key":"Closed with monetary relief","doc_count":1}]}},"submitted_via":{"doc_count":3,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":3}]}},"company":{"doc_count":3,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"NAVY FEDERAL CREDIT UNION","doc_count":3}]}},"state":{"doc_count":3,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"FL","doc_count":1},{"key":"OH","doc_count":1},{"key":"TX","doc_count":1}]}},"company_public_response":{"doc_count":3,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company believes it acted appropriately as authorized by contract or law","doc_count":3}]}},"tags":{"doc_count":3,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":2}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}